Robert Nickoson is a financial advisor with St. Bernard Financial Services, Inc. in Tallmadge, Ohio, and has 21 years of industry experience. He previously worked at Coppell Advisory Solutions, LLC for nine years and New England Securities for nine years. He also operates as an independent insurance agent and owns Robert Nickoson Financial Group. St. Bernard Financial Services serves individuals, families, trusts, estates, and small businesses with portfolio management and investment implementation. The firm follows a long-term, conservative growth strategy using tactical asset allocation based on Modern Portfolio Theory and collaborates with clients on portfolio design.

Carl Reidemeister is a financial advisor at St. Bernard Financial Services, Inc. with 41 years of industry experience. He holds the ChFC® and Series 63 designations. Prior to joining St. Bernard, he worked at Brooklight Place Securities for eight years and has owned Financial Consulting, LLC since 1987. He also owns Xtreme Mobile Adventures, a business involved in advertising and marketing outdoor products. 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 approach with tactical asset allocation based on Modern Portfolio Theory, emphasizing low-cost, no-load funds and client involvement in portfolio decisions.

Aaron Ochoa is a financial advisor at St. Bernard Financial Services, Inc. in Broken Arrow, OK, with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at INVEST Financial Corp. and Central Bank. Outside of advising, he is involved in real estate sales. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates, offering investment advisory and brokerage services. The firm follows a long-term, conservative growth approach using tactical asset allocation based on Modern Portfolio Theory, emphasizing low-cost, no-load funds and collaborative, mostly non-discretionary account management.

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.

Frank Winters is a financial advisor with St. Bernard Financial Services, Inc. in Tucson, AZ, holding a Series 66 designation and 23 years of industry experience. He has previously worked at Raymond James Financial, IFP Securities, and Oppenheimer, among other firms. Winters is also the president and managing director of Comprehensive Advisors Group LLC, a support company for his financial activities. St. Bernard Financial Services serves individuals, families, trusts, estates, and small businesses with portfolio management and investment implementation. The firm employs a long-term, conservative growth approach using tactical asset allocation based on Modern Portfolio Theory, typically managing assets on a non-discretionary basis.

James Orgeron Jr. is a financial advisor at St. Bernard Financial Services, Inc. with 18 years of industry experience. He has been with the firm since 2012 and holds a Series 66 designation. Outside of his advisory role, he operates Nest Egg Financial, an A&H insurance business. St. Bernard Financial Services serves individuals, families, trusts, estates, and small businesses by providing portfolio management and investment implementation across mutual funds, annuities, and life insurance. The firm employs a long-term, conservative growth strategy using tactical asset allocation based on Modern Portfolio Theory and works collaboratively with clients on portfolio design.

Mark Barkasy is a financial advisor with St. Bernard Financial Services, Inc., holding a Series 66 designation and 22 years of industry experience. He has worked at Embark Financial and Insurance Partners, LLC, and Invest Financial Corporation. Outside of his advisory role, Barkasy serves as a track official at Manchester High School. 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 employs a long-term, conservative growth strategy with tactical asset allocation and typically maintains collaborative, largely non-discretionary client relationships.

John Neely is a financial advisor with St. Bernard Financial Services, Inc. in Edmond, Oklahoma, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He previously worked for Berthel Fisher & Company Financial Services, Inc. for ten years before joining St. Bernard in 2019. Outside of his advisory role, Neely is involved in insurance sales and operates a specialized property scanning service for real estate professionals. 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, favoring low-cost, no-load funds, and typically engages clients collaboratively with limited discretionary authority.

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.

Joshua Turner is a financial advisor at St. Bernard Financial Services, Inc. with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with St. Bernard since 2014. Outside of his advisory role, he is involved with Turner Financial, an investment advisory business he started in 2019. 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 follows a long-term, conservative growth strategy based on Modern Portfolio Theory, emphasizing low-cost, no-load funds and collaborative client relationships.

Phillip Boyd is a financial advisor at St. Bernard Financial Services, Inc. with 25 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at several firms including LPL Financial and Crown Capital Securities. Outside of his advisory work, he serves as Chief Financial Officer for a non-investment business focusing on financial oversight and strategic planning. St. Bernard Financial Services serves individuals, families, trusts, estates, and small businesses with portfolio management and investment implementation across mutual funds, annuities, and life insurance. The firm follows a long-term, conservative growth strategy using tactical asset allocation and collaborates with clients on portfolio design.

Emma Godbee is a financial advisor with St. Bernard Financial Services, Inc., holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. She has worked at St. Bernard since 2019 and previously spent nine years with Woodstock Financial Group, along with extensive experience in the insurance sector dating back to 1976. Outside of her advisory role, she serves on the City of Riverdale Zoning Appeals Board, the Clayton County Water Authority, and the Clayton County Development Authority. 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 follows a long-term, conservative growth strategy with tactical asset allocation and emphasizes collaborative client relationships, combining fee-based and commission-based solutions through its dual adviser/broker-dealer structure.

Jeremy Sakulenzki is a financial advisor at St. Bernard Financial Services, Inc. with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with St. Bernard since 2016. Outside of his advisory role, he is involved with Creative Benefit Administrators, a third-party administrator specializing in billing, FSA, and COBRA services. St. Bernard Financial Services serves individuals, families, trusts, estates, and small businesses with portfolio management and investment implementation across mutual funds, annuities, and life insurance. The firm follows a long-term, conservative growth approach using tactical asset allocation informed by Modern Portfolio Theory and academic research, and generally manages client assets on a non-discretionary basis.

Eric Sands is a financial advisor with St. Bernard Financial Services, Inc. in Ft. Lauderdale, FL, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Impact Partnership Wealth, LLC, Avantax Advisory Services, and Sands Insurance. Outside of his advisory work, Sands serves as a board member for Awesome Construction and is the CEO of Eric Sands Consulting Services, a management consulting firm. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates by providing investment advisory and brokerage services focused on portfolio management and financial planning. The firm employs a long-term, conservative growth strategy based on Modern Portfolio Theory, emphasizing low-cost funds and client collaboration in portfolio decisions.

Mark Celi is a financial advisor at St. Bernard Financial Services, Inc. in Concord, MA, with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at First Asset Financial Inc and was self-employed before joining St. Bernard in 2020. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates, providing 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 while considering tax and risk factors.

Stephanie Mitzel is a financial advisor at St. Bernard Financial Services, Inc. in Phoenix, AZ, with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at First Allied Securities, Inc. and First Allied Advisory Services, Inc. from 2014 to 2019 before joining St. Bernard Financial Services in 2019. 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 employs a long-term, conservative growth approach based on Modern Portfolio Theory and tactical asset allocation, typically involving clients collaboratively in portfolio decisions.

Ross Wamsley is a financial advisor with St. Bernard Financial Services, Inc. He holds Series 63 and Series 66 credentials and has 17 years of industry experience. His prior firms include Voya Financial Advisors, Questar Asset Management, Merrill, and Edward Jones. Outside of advising, he is also an independent insurance agent selling fixed insurance products. St. Bernard Financial Services serves individuals, families, trusts, estates, and small businesses with portfolio management and investment implementation. The firm employs a long-term, conservative growth approach with tactical asset allocation based on Modern Portfolio Theory, typically managing assets on a non-discretionary basis.

Wanda Warsinski is a financial advisor at St. Bernard Financial Services, Inc. with 40 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at MML Investors Services and Mass Mutual Life Insurance Company. Outside of her advisory role, she is involved in health-related sales activities. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates by providing investment advisory and brokerage services with a focus on long-term, conservative growth through tactical asset allocation and low-cost funds. The firm operates as both an SEC-registered investment adviser and a broker-dealer, offering a combination of fee-based and commission-based solutions.

Gregory Hubbell is a CFP® professional with 44 years of experience in the financial services industry. He is currently with St. Bernard Financial Services, Inc. and has previously worked at Securities America Advisors, Foothill Securities, Inc., and operated his own business, G.H. Hubbell & Associates, since 1995. Outside of advisory services, he is involved in selling life, health, disability insurance, and fixed annuities through his own firm. 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 with tactical asset allocation, emphasizing low-cost, no-load funds and collaborative, largely non-discretionary account management.

Dan Kessler is a financial advisor at St. Bernard Financial Services, Inc. in Russellville, AR, with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with St. Bernard Financial Services since 2013. Outside of his advisory work, he serves as secretary and board member of The Liberty Initiative, a nonprofit focused on assisting the underprivileged with criminal justice issues, and is involved in a small farming operation producing fruit and fresh eggs. St. Bernard Financial Services provides investment advisory and brokerage services to individuals, families, small businesses, trusts, and estates. The firm employs a long-term, conservative growth approach based on Modern Portfolio Theory, emphasizing tactical asset allocation with low-cost, no-load funds, while offering both fee-based and commission-based solutions through its dual adviser and broker-dealer structure.

Wajeehuddin Siddiqui is a financial advisor at St. Bernard Financial Services, Inc. in St. Louis, MO, with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at St. Bernard since 2017, following prior roles at Wilbanks Securities and Cabot Lodge Securities. Outside of his advisory work, Siddiqui is involved in insurance sales through Midwestern Financial Center, LLC, focusing on property and casualty, life, and health insurance. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates, offering investment advisory and brokerage services with a long-term, conservative growth approach based on Modern Portfolio Theory. The firm combines fee-based and commission-based solutions through its dual adviser and broker-dealer structure and maintains collaborative client relationships with limited discretionary authority.

Harold Goren is a financial advisor with St. Bernard Financial Services, Inc. in Redmond, WA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Provident Mutual since 1992 and was with Independent Financial Group from 2008 to 2016. Outside of his advisory role, he operates his own sole proprietorship providing investment and insurance services, including fixed annuities and life insurance. St. Bernard Financial Services serves individuals, families, small businesses, trusts, and estates, offering investment advisory and brokerage services focused on long-term, conservative growth through tactical asset allocation and low-cost funds. The firm combines fee-based and commission-based solutions within a dual adviser/broker-dealer structure.

Kathryn Carroll is a financial advisor at St. Bernard Financial Services, Inc. with 36 years of industry experience. She holds Series 63 and Series 66 licenses and has been with St. Bernard Financial Services since 2010. 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 approach using tactical asset allocation based on Modern Portfolio Theory, with an emphasis on low-cost, no-load funds and collaborative client relationships.

Sidney Banks is a financial advisor with St. Bernard Financial Services, Inc. in Russellville, AR, holding Series 63 and Series 66 credentials and bringing 45 years of industry experience. He has been with St. Bernard Financial Services since 2012. Outside of his advisory role, Banks serves on the board of directors for the Kiwanis Club of Jonesboro, a civic organization. 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 approach with tactical asset allocation and offers both fee-based and commission-based solutions through its dual adviser/broker-dealer structure.

David Mannaioni is a financial advisor at St. Bernard Financial Services, Inc. with 26 years of industry experience. He holds the CFP® and ChFC® designations as well as the Series 63 license. Mannaioni serves as Dean and Associate Professor at the College for Financial Planning and is President of Success By Design LLC, a tax-related business. 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 approach using tactical asset allocation and emphasizes collaborative, largely non-discretionary client relationships.

David Tomfohrde is a financial advisor with St. Bernard Financial Services, Inc., holding a Series 63 designation and bringing 33 years of industry experience. He has worked at St. Bernard Financial Services since 2019 and previously spent six years with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. Outside of his advisory role, Tomfohrde serves as a board member of the St. Lawrence Catholic Church Men's Club and is an independent insurance agent. St. Bernard Financial Services serves individuals, families, trusts, estates, and small businesses with portfolio management and investment implementation across mutual funds, annuities, and life insurance. The firm employs a long-term, conservative growth approach with tactical asset allocation based on Modern Portfolio Theory and academic research, typically managing client assets on a non-discretionary basis.

Howard Young is a CFP® professional with over 31 years of industry experience. He has worked at firms including Heritage Wealth Consultants, SagePoint Financial, and Raymond James Financial Services. Young is currently with St. Bernard Financial Services, Inc. in Carmel, IN. St. Bernard Financial Services serves individuals, families, trusts, estates, and small businesses with portfolio management and investment implementation. The firm employs a long-term, conservative growth approach grounded in Modern Portfolio Theory and emphasizes collaboration with clients in portfolio design.

Phil Ward is a financial advisor at St. Bernard Financial Services, Inc. in Tulsa, OK, with 25 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 65 licenses. Ward has owned and operated Ward & Company, PLLC, a CPA and consulting firm, since 1977 and also manages Tax Depot, LLC, a tax preparation service he established in 2004. St. Bernard Financial Services provides investment advisory and brokerage services to individuals, families, small businesses, trusts, and estates. The firm employs a long-term, conservative growth strategy with tactical asset allocation based on Modern Portfolio Theory, emphasizing low-cost, no-load funds while considering tax and risk factors.