I'm Clark, and I founded Toft Wealth in 2026 with a simple aim: to build a company that truly cares for its clients, its future employees, and its community, while pursuing craft and care in the work. Before Toft, I worked on nearly every side of the business: client service at a national brokerage firm, internal wholesaling and back-office wealth management at a Bloomington-based financial services company, and advising families at a local RIA. I earned my finance degree from Illinois State University in 2021 and completed my CFP® certification in 2024. Toft Wealth is a fee-only firm anchored in Bloomington-Normal and Central Illinois, with virtual service available. We work with retirees and those nearing retirement, widows, inheritors, and households facing consequential financial decisions. Most clients work with us through Wealth Management, which pairs ongoing comprehensive planning with investment management. We also offer standalone ongoing planning and one-time project planning. Every engagement follows our Financial Plat, a process for mapping out and caring for each part of a household's financial life over time. Our hope is to help people steward their resources with joy, peace, and generosity.

Karyn Smith is a CFP® professional with six years of experience, currently serving as the sole advisor at Smith CFP, Karyn. She has been a vice president and treasurer of Rk Consulting, a computer consulting and tax services firm, since 1998. In addition to her financial advisory work, she teaches an online class at Olivet College and serves as a trustee on the Normal Town Council. Smith CFP, Karyn provides portfolio management and financial planning services to individual clients, focusing on asset allocation supported by various analytical methods. The firm operates with investment discretion under limited power of attorney while clients retain ownership of their securities, and it integrates accounting and insurance services through its affiliations.

Roger Elliott is a CFA® charterholder with 22 years of industry experience. He has been the principal of Elliott Capital Management, Inc. since 2000. The firm provides discretionary investment management and financial planning services to individual and family clients, focusing on broadly diversified passive asset allocation using primarily exchange-traded funds. Portfolios are tailored to client objectives, risk tolerance, liquidity needs, and tax considerations, and the firm emphasizes tax and reporting matters informed by Elliott's CPA and CFA credentials and prior experience in public accounting.

Bryce Dooley is a financial advisor with Blue Jean Wealth Management in Le Roy, Illinois, holding a Series 65 license and six years of industry experience. His prior work includes roles at BD Mgmt LLC / BD Capital, Keystone Homes, and managing McLaughlin/Dooley Farms. Outside of his advisory work, he manages a vending machine business, overseeing inventory and customer relations in the Bloomington-Normal area. BD Capital provides discretionary investment advisory and portfolio construction services primarily to individual clients and select business entities, using a fundamental, bottom-up investment approach focused on concentrated portfolios and long-term horizons. The firm employs borrowing and derivatives strategies uncommon among similar advisers and aligns its interests with clients by investing personally in the same securities.

Kathryn Kraft is a CFP® and Series 66 licensed financial advisor with 21 years of industry experience. She has worked at Investment Advisors Corp. and Broker Dealer Financial Services Corp. before founding Kraft Financial, LLC in 2018. In addition to her advisory role, she is an independent insurance agent specializing in life insurance and annuities. Kraft Financial, LLC provides discretionary asset management and comprehensive financial planning to individuals, trusts, estates, and charitable organizations. The firm manages approximately $36 million for a select group of clients, focusing on diversified portfolios constructed from passive and active ETFs, mutual funds, equities, fixed income, and structured products, with an emphasis on cost control and a long-term perspective.

Henry Vance is a financial advisor at ARK Advisors LLC in Bloomington, IL, holding a Series 65 designation with one year of industry experience. Prior to joining ARK Advisors, he worked in production machining technologies and operated a lawn services business. He also spent over a decade involved in K-12 homeschooling. ARK Advisors LLC serves individual investors, pension and profit-sharing plans, and charitable organizations by providing portfolio management, financial planning, fiduciary consulting for retirement plans, and 529-plan advisory services. The firm uses personalized Investment Policy Statements and a range of investment strategies, managing approximately $195.6 million across about 325 clients.

Patrick Vance is a financial advisor at ARK Advisors LLC in Bloomington, IL, holding a Series 66 designation with 18 years of industry experience. He has been with ARK Advisors since 2013 and previously worked at Purshe Kaplan Sterling Investments from 2013 to 2017. Outside of his advisory role, he owns Two Farm Boys, a business that sells crafts through Etsy. ARK Advisors LLC serves individual investors, pension and profit-sharing plans, and charitable organizations, providing portfolio management, financial planning, fiduciary consulting, and 529-plan advisory services. The firm uses a personalized Investment Policy Statement for each client and employs fundamental analysis alongside a combination of long-term, income-oriented, growth, and asset-allocation investment strategies.

Brad Metz is a financial advisor at ARK Advisors LLC with 23 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 66. Prior to joining ARK Advisors in 2013, he worked at Purshe Kaplan Sterling Investments from 2013 to 2017. Metz is also licensed as an insurance agent, focusing on fixed insurance sales. ARK Advisors LLC serves individual investors—including high-net-worth clients—pension and profit-sharing plans, and charitable organizations by providing portfolio management, financial planning, fiduciary consulting, and 529-plan advisory services. The firm uses a personalized Investment Policy Statement and a combination of fundamental analysis, long-term growth, income-oriented, and asset-allocation strategies.

Kevin Pummill is a financial advisor at Strong Retirement Solutions with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Strong Retirement Solutions since 2025. Prior to this, he was associated with American Senior Benefits and Bankers Life, among other roles. Outside of advising, he works as an insurance agent specializing in Medicare, long-term care, life insurance, and annuities. Strong Retirement Solutions serves individual and high-net-worth clients with discretionary portfolio management and financial planning, focusing on retirement planning, estate planning, and investment product recommendations. The firm customizes investment strategies based on clients’ objectives and risk tolerance, managing assets primarily on a discretionary basis and employing various investment approaches.

David Brewer is a CFP® professional with three years of experience, currently serving at McBeath Financial Group. Prior to joining McBeath in 2023, he worked for Heartland Bank and Trust Company in various roles from 2014 to 2023. McBeath Financial Group offers personalized investment advisory and comprehensive financial planning to individuals, trusts, estates, and charitable organizations. The firm employs a combination of fundamental, technical, and cyclical analysis to construct tailored asset allocations, implementing both strategic and active models that are regularly rebalanced.

Caleb Graybeal is a financial advisor at Strong Retirement Solutions with one year of industry experience. He holds a Series 65 designation and has previously worked at American Senior Benefits and State Farm. Outside of his advisory role, he is involved as an insurance broker, agent, and field trainer, specializing in Medicare, long-term care, life insurance, and annuities. Strong Retirement Solutions serves individual and high-net-worth clients with discretionary portfolio management and financial planning services focused on retirement and estate planning. The firm customizes investment strategies based on client objectives and risk tolerance, managing assets primarily on a discretionary basis and occasionally recommending third-party sub-advisors.

Robert Mcbeath is a Series 65-licensed financial advisor with nine years of industry experience. He is the founder of McBeath Financial Group, where he has worked since 2020. Prior to that, he was with Motiv8 Investments LLC for three years. Outside of advisory work, Mcbeath is the president and sole owner of Cornerstone Card Processing, Inc., a merchant services reseller. McBeath Financial Group provides investment advisory and comprehensive financial planning services to individuals, trusts, estates, and charitable organizations. The firm uses a combination of fundamental, technical, and cyclical analysis to build tailored asset allocations and offers both strategic and active portfolio management through a sub-advisory relationship with GeoWealth.

Nathan Sandon is a financial advisor with McBeath Financial Group in Normal, IL. He holds a Series 65 credential and has been with the firm since 2025. Prior to joining McBeath Financial Group, he worked at Flanagan State Bank and Jason Martin State Farm Agency, and has teaching experience at Illinois State University and Waubonsee Community College. McBeath Financial Group provides personalized investment advisory and comprehensive financial planning services to individuals, trusts, estates, and charitable organizations, utilizing a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations. The firm manages portfolios through a sub-advisory relationship with GeoWealth while maintaining supervisory responsibility for client accounts.

Zachary Gray is a financial advisor at Rooted Wealth Advisors in Bloomington, IL, with 18 years of industry experience. He holds the Series 63 and Series 65 licenses and has previously worked at several firms, including Wall Street Financial Group and AE Wealth Management. Outside of advising, he owns a livestock supplement business and is an author. Rooted Wealth Advisors manages approximately $408.8 million in discretionary assets, providing investment management and comprehensive financial planning to individual and high-net-worth clients. The firm uses a team approach and emphasizes fundamental analysis and client-specific investment policies.

Kerri Elson is a financial advisor at Virtus Financial Group with one year of industry experience and holds a Series 65 designation. Her prior work includes roles at State Farm and John Deere, as well as academic positions associated with the University of Illinois at Urbana-Champaign. She volunteers with Special Opportunities Available in Recreation, supporting recreational activities for individuals with special needs, and leads a young adult women's small group at St. Patrick Church of Merna. Virtus Financial Group advises individuals, families, trusts, and estates through fee-based investment management and financial planning. The firm primarily employs a non-discretionary investment model, emphasizing client involvement and integrating affiliated tax and planning services with CPA leadership.

Jason Marion is a financial advisor at Three Sixty Wealth Management, LLC with one year of industry experience. He holds a Series 65 credential and previously worked for eight years at The Bridge Thrift Store, NFP. Three Sixty serves individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans by offering comprehensive wealth management that includes discretionary investment management, financial planning, business consulting, and retirement plan advisory services. The firm constructs custom portfolios with a long-term focus and provides advanced planning services along with business-owner and family-governance support.

Jeffrey Augspurger is a financial advisor at Strong Retirement Solutions with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been involved in several business ventures, including ownership of Augspurger Farms, an agricultural business, and a silent partnership in a bitcoin mining company. Strong Retirement Solutions serves individual and high-net-worth clients by providing discretionary portfolio management, investment advice, and financial planning through a team-based approach. The firm tailors investment strategies to client objectives and typically manages accounts on a discretionary basis, often integrating third-party sub-advisors.

Krista McBeath is a financial advisor with McBeath Financial Group in Normal, Illinois. She holds the ChFC® designation and a Series 65 license, and has 17 years of industry experience. Prior to her current role, she worked at Motiv8 Investments LLC from 2017 to 2020. In addition to her advisory work, she serves as president and licensed insurance producer at McBeath Tax & Financial Services, L.L.C. McBeath Financial Group provides personalized investment advisory and comprehensive financial planning services to individuals, trusts, estates, and charitable organizations. The firm offers tailored asset allocations using fundamental, technical, and cyclical analysis, combining strategic and active models, with portfolio management supported by a sub-advisory relationship while retaining supervisory control.

Kyleigh Snyder is a CFP® professional at McBeath Financial Group with one year of industry experience. Prior to joining McBeath Financial Group, she worked at Heartland Bank & Trust for three years. McBeath Financial Group offers personalized investment advisory and comprehensive financial planning to individuals, trusts, estates, and charitable organizations. The firm uses a combination of fundamental, technical, and cyclical analysis to construct tailored asset allocations and provides both discretionary and non-discretionary portfolio management.

Dawson Brooks is a financial advisor at Three Sixty with two years of industry experience. He holds a Series 65 credential and has worked previously at CWM, LLC. Brooks is also a licensed Notary Public. Three Sixty serves individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans by providing comprehensive wealth management including discretionary investment management, financial planning, business consulting, and retirement plan advisory services. The firm constructs custom portfolios with a primarily long-term focus and offers advanced planning services alongside business-owner and family-governance support.