Lawrence Howard Raymond III

Robert Keenan is a financial advisor with St. Bernard Financial Services, Inc. in Farmington, AR, holding Series 63 and Series 65 credentials and possessing 36 years of industry experience. He has been with St. Bernard Financial Services since 1994 and also serves as CEO of St Bernard Asset Management, Inc. Outside of his advisory roles, he is involved in a radio tower rental business as a shareholder. St. Bernard Financial Services provides investment advisory and brokerage services to individuals, families, small businesses, trusts, and estates. The firm follows a long-term, conservative growth philosophy using tactical asset allocation based on Modern Portfolio Theory, emphasizing low-cost, no-load funds and collaborative, largely non-discretionary client relationships.

Robert Fithen is the sole advisor at 5thn Financial LLC, holding a Series 65 designation with eight years of industry experience. He has served as a Professor of Engineering at Arkansas Tech University since 1998. 5thn Financial LLC provides discretionary portfolio management to individuals, trusts, organizations, and other registered investment advisers, applying Modern Portfolio Theory and conditional value-at-risk concepts tailored to client constraints. The firm uses proprietary statistical and machine-learning methods for forward predictions and offers NASAA-approved continuing education courses and portfolio-management software to other advisory firms.

Kathleen White is a financial advisor with St. Bernard Financial Services, Inc. She holds Series 63 and Series 66 licenses and has 30 years of industry experience. Prior to joining St. Bernard Financial Services in 2023, she worked at Sagepoint Financial, INC. and owns Manzanita Insurance Agency, where she provides health insurance solutions including Medicare plans and individual health policies. St. Bernard Financial Services serves individuals, families, trusts, estates, and small businesses with portfolio management and investment implementation using a long-term, conservative growth approach grounded in Modern Portfolio Theory. The firm operates as both an investment adviser and broker-dealer, offering advisory and commissionable products alongside a network that includes affiliated tax and insurance practices.

Patrick Williams is a financial advisor with St. Bernard Financial Services, Inc. in Russellville, Arkansas, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Prior to joining St. Bernard in 2017, he worked at Ims Financial Advisors, Inc. and Ims Securities, Inc. for 14 years. Outside of his advisory role, Williams is involved in raising cattle for sale and operates an antiques and collectibles business on eBay. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates, offering investment advisory and brokerage services including portfolio management and financial planning. The firm follows a long-term, conservative growth approach with tactical asset allocation based on Modern Portfolio Theory, emphasizing low-cost, no-load funds and collaborative client relationships.

Mark Yarbrough is a financial advisor with St. Bernard Financial Services, Inc. in Rogers, Arkansas. He holds Series 63 and Series 65 licenses and has 43 years of industry experience. Since 2003, he has worked with Ohio National Financial Services. Outside of his advisory work, he owns Midland Financial and dedicates time weekly to whole life insurance activities. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates by providing investment advisory and brokerage services, including portfolio management and financial planning. The firm employs a long-term, conservative growth strategy based on Modern Portfolio Theory and offers both fee-based and commission-based solutions through its dual adviser/broker-dealer structure.

Adam Brown is a Series 66 licensed financial advisor with 20 years of industry experience, currently with St. Bernard Financial Services, Inc. since 2012. He also coaches a girls' softball team in Jonesboro, Arkansas. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates with investment advisory and brokerage services, emphasizing a long-term, conservative growth approach using tactical asset allocation and a preference for low-cost, no-load funds. The firm combines fee-based and commission-based solutions through its dual adviser/broker-dealer structure and affiliations with insurance and accounting practices.