About Us
Our Team
Ramona Pearson
Principal Advisor
Ramona is the Principle Advisor of the firm and a licensed CPA. She is a former member of the Michigan State Board of Accountancy and a past national president of the National Association of Black Accountants. She also holds insurance licenses from both the State of Michigan and Louisiana, and is licensed to provide investment advice as an investment adviser representative.
With a career spanning 40 years, Ramona has grown her traditional CPA accounting firm to include personal financial planning services. She joined the AICPA Personal Financial Planning Division in its inaugural year, 1984, and has since devoted her career to advancing women’s financial literacy.
Ramona has been a speaker on financial topics for national organizations, a guest on local television, and the published author of her first book, Roommates for Retirement. She has also served on numerous community and professional boards.
Investment Team
Members of the Investment Team are licensed with Advisory Alpha, LLC, a SEC registered investment advisor.
Steve Osterink, Jr. , CFA, CFP®, AIF®
Chief Investment Officer
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Steve Jr. leads the Investment Team through his strong commitment to personal finance and asset management and is the driving force behind the innovation and development of our investment solutions.
Jon Lohr, CFA, CFP®
Research Director
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Jon oversees the Investment Team’s daily investment research and portfolio management responsibilities, including asset allocation research, fund monitoring, due diligence, and investment strategy evaluation and implementation.
Nick Heinrich, CFA, CFP®
Financial Planning Director
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Nick contributes to the Investment Team’s research and portfolio management functions and leads a team of financial planning consultants who utilize various portfolio analysis and planning resources that strive to improve the financial outcomes of our valued clients.
Brian Kragt
Operations Director
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Brian oversees the Investment Team’s trade management and portfolio accounting systems, which includes implementing investment decisions, account rebalancing, cash management functions, trade execution, account billing, and performance reporting.
Janine Osterink
Chief Compliance Officer
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Janine leads our compliance program and supports our Investment Team by helping us adhere to legal, regulatory, and internal requirements and policies with the goal of promoting trust and reducing risk for our valued clients.
Mike Baker
Technology Director
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Mike leads our technology initiatives on behalf of the Investment Team which impact our client communication and overall client experience as well as support our trade management and portfolio accounting functions.