Troy Bethards is a Series 65–licensed financial advisor with Sterling Investment Advisors, LLC, based in Bolivar, Missouri, and has six years of industry experience. He has held a long-term academic role as Dean of the College of Business and Computer Science at Southwest Baptist University since 2000. Sterling Investment Advisors is an SEC-registered firm that provides discretionary investment management and financial planning services to a diverse client base, including individuals, trusts, charitable organizations, and corporations. The firm employs a strategic asset allocation approach using primarily low-cost index funds and ETFs, with quarterly portfolio reviews and stress-testing.

Tara Parson is a financial advisor with Sterling Investment Advisors, LLC, holding a Series 65 credential and three years of industry experience. Prior to joining Sterling Investment Advisors in 2022, she worked independently for a year and spent seven years at Southwest Baptist University. Sterling Investment Advisors is an SEC-registered firm that provides discretionary investment management and financial planning services to individuals, estates, trusts, charitable organizations, corporations, pension and profit-sharing plans, and an endowment. The firm emphasizes strategic asset allocation using lower-cost index funds and ETFs, incorporates forward-looking return estimates, and employs quarterly portfolio reviews with stress testing.

James Jones is a ChFC®-designated financial advisor with Sterling Investment Advisors, LLC in Bolivar, MO, where he has worked since 1995. He has 30 years of industry experience and holds Series 63 and Series 65 licenses. Sterling Investment Advisors is an SEC-registered firm providing discretionary investment management and financial and estate-planning services to individuals, estates, trusts, charitable organizations, corporations, pension and profit-sharing plans, and an endowment. The firm emphasizes strategic asset allocation primarily using low-cost index mutual funds and ETFs, employing forward-looking return estimates and stress testing with Monte Carlo simulations.