Heather Gardner is a CFP® professional with 15 years of experience in financial advising. She is currently with Beam Wealth Advisors, Inc. and has previously worked at Bank of America, Merrill, and Trustwell Financial Advisors. Gardner holds Series 65 and Series 63 licenses. Beam Wealth Advisors, Inc. is a multi-team registered investment adviser with 27 advisors managing approximately $1.6 billion in assets for individuals, including high-net-worth clients, as well as businesses, trusts, estates, and retirement plans. The firm offers wealth management, financial planning, portfolio management, and ERISA/plan sponsor consulting, with an investment approach grounded in Modern and Post-Modern Portfolio Theory and behavioral finance.

Adam Howard is a CFP® professional with 14 years of experience in financial advising. He is currently with Beam Wealth Advisors, Inc., where he has worked since 2021, following prior roles at B&C Financial Advisors from 2016 to 2023. Beam Wealth Advisors, Inc. is a multi-team registered investment adviser managing approximately $1.6 billion in assets for individuals, businesses, trusts, estates, and retirement plans. The firm focuses on asset allocation, diversification, and portfolio construction based on Modern and Post-Modern Portfolio Theory and behavioral finance, offering integrated wealth management and consulting services through affiliated tax, CPA, and insurance entities.