Julie Ann Karstens

I'm Clark, and I founded Toft Wealth in 2026 with a simple aim: to build a company that truly cares for its clients, its future employees, and its community, while pursuing craft and care in the work. Before Toft, I worked on nearly every side of the business: client service at a national brokerage firm, internal wholesaling and back-office wealth management at a Bloomington-based financial services company, and advising families at a local RIA. I earned my finance degree from Illinois State University in 2021 and completed my CFP® certification in 2024. Toft Wealth is a fee-only firm anchored in Bloomington-Normal and Central Illinois, with virtual service available. We work with retirees and those nearing retirement, widows, inheritors, and households facing consequential financial decisions. Most clients work with us through Wealth Management, which pairs ongoing comprehensive planning with investment management. We also offer standalone ongoing planning and one-time project planning. Every engagement follows our Financial Plat, a process for mapping out and caring for each part of a household's financial life over time. Our hope is to help people steward their resources with joy, peace, and generosity.

Karyn Smith is a CFP® professional with six years of experience, currently serving as the sole advisor at Smith CFP, Karyn. She has been a vice president and treasurer of Rk Consulting, a computer consulting and tax services firm, since 1998. In addition to her financial advisory work, she teaches an online class at Olivet College and serves as a trustee on the Normal Town Council. Smith CFP, Karyn provides portfolio management and financial planning services to individual clients, focusing on asset allocation supported by various analytical methods. The firm operates with investment discretion under limited power of attorney while clients retain ownership of their securities, and it integrates accounting and insurance services through its affiliations.

Roger Elliott is a CFA® charterholder with 22 years of industry experience. He has been the principal of Elliott Capital Management, Inc. since 2000. The firm provides discretionary investment management and financial planning services to individual and family clients, focusing on broadly diversified passive asset allocation using primarily exchange-traded funds. Portfolios are tailored to client objectives, risk tolerance, liquidity needs, and tax considerations, and the firm emphasizes tax and reporting matters informed by Elliott's CPA and CFA credentials and prior experience in public accounting.

Bryce Dooley is a financial advisor with Blue Jean Wealth Management in Le Roy, Illinois, holding a Series 65 license and six years of industry experience. His prior work includes roles at BD Mgmt LLC / BD Capital, Keystone Homes, and managing McLaughlin/Dooley Farms. Outside of his advisory work, he manages a vending machine business, overseeing inventory and customer relations in the Bloomington-Normal area. BD Capital provides discretionary investment advisory and portfolio construction services primarily to individual clients and select business entities, using a fundamental, bottom-up investment approach focused on concentrated portfolios and long-term horizons. The firm employs borrowing and derivatives strategies uncommon among similar advisers and aligns its interests with clients by investing personally in the same securities.

Kathryn Kraft is a CFP® and Series 66 licensed financial advisor with 21 years of industry experience. She has worked at Investment Advisors Corp. and Broker Dealer Financial Services Corp. before founding Kraft Financial, LLC in 2018. In addition to her advisory role, she is an independent insurance agent specializing in life insurance and annuities. Kraft Financial, LLC provides discretionary asset management and comprehensive financial planning to individuals, trusts, estates, and charitable organizations. The firm manages approximately $36 million for a select group of clients, focusing on diversified portfolios constructed from passive and active ETFs, mutual funds, equities, fixed income, and structured products, with an emphasis on cost control and a long-term perspective.

Henry Vance is a financial advisor at ARK Advisors LLC in Bloomington, IL, holding a Series 65 designation with one year of industry experience. Prior to joining ARK Advisors, he worked in production machining technologies and operated a lawn services business. He also spent over a decade involved in K-12 homeschooling. ARK Advisors LLC serves individual investors, pension and profit-sharing plans, and charitable organizations by providing portfolio management, financial planning, fiduciary consulting for retirement plans, and 529-plan advisory services. The firm uses personalized Investment Policy Statements and a range of investment strategies, managing approximately $195.6 million across about 325 clients.