Kim Allen Havens

Rodney Andrae is the sole advisor at Andrae Financial Services LLC, a state-registered independent investment advisory firm based in Darlington, WI. He holds a Series 65 designation and has 11 years of industry experience, including prior work at Centralstar. Andrae Financial Services primarily serves individual and high-net-worth clients through discretionary asset management and written financial planning. The firm employs fundamental and cyclical analysis in portfolio construction, reviews accounts at least quarterly, and works with charitable organization clients while maintaining specific operational practices such as not voting client proxies or using soft-dollar arrangements.

Michelle Bertram is a financial advisor at Bertram Financial Advisor Services with 19 years of industry experience. She holds a Series 65 designation and has been self-employed since 1997, primarily focused on insurance services. Bertram Financial Advisor Services places advisory clients with third-party money managers and provides financial planning and portfolio management support. The firm uses a model portfolio approach with investments in stocks, bonds, ETFs, and no-load mutual funds, acting as a liaison between clients and third-party managers without exercising investment discretion.

Beverly Bertram is a financial advisor at Bertram Financial Advisor Services with 18 years of industry experience. She holds a Series 65 designation and has managed advisory and insurance services through Bertram Financial Group since 2004. In addition to her advisory role, she is a licensed insurance agent, spending a majority of her time in insurance activities. Bertram Financial Advisor Services places clients with third-party money managers, offering financial planning, portfolio management support, and advisor referrals. The firm focuses on model portfolios including stocks, bonds, ETFs, and no-load mutual funds, and performs regular due diligence and client suitability reviews without exercising investment discretion.

Laura Barnard is a financial advisor with Thrivent Investment Management in Darlington, WI. She holds the ChFC® designation and Series 66 license, and has 15 years of industry experience. Barnard has worked at Thrivent Financial For Lutherans and Thrivent Investment Management since 2014. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers goal-based financial planning covering a wide range of topics, with the option to combine planning with managed-account services under a consolidated billing arrangement.

David Eaton is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 credentials and has 34 years of industry experience. He has been with Raymond James since 2007 and is also president of Eaton Financial Advisors, Inc., a support company. Outside of advisory work, he is involved in tax preparation through Etax and manages rental properties via Eaton Properties, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and operates a range of advisory and consulting programs.