Meet Our Experts

Bob and his clients have been quoted in numerous printed and online publications including The Wall Street Journal, Smart Money, Kiplinger's Personal Finance, Money Magazine, MSN Money, the Columbus Dispatch and Columbus Business First. TV appearances include the WCMH Channel 4 News. He is a contributor to Tips from the Top-Targeted Advice from America's Top Money Minds, edited by Edie Milligan and published by Alpha, 2003.

Bob's interest in economics and capital markets goes back to 1983 when he was a graduate student at UW-Madison.  He began investing at the start of the longest bull market in history.  When he retired from the ministry at age 44, giving financial advice seemed like a perfect fit with his life-long interest in helping people. The teaching and counseling skills he had acquired as a minister made him a pioneer in applying the new science of behavioral finance. Looking back at his career path, Bob says he sees a consistent direction in his journey from "minister of souls" to "doctor of money and mammon."

Bob is a founding Partner of two companies: Cambridge Financial Advisors, LLC and FinancialAdvice4Me, LLC. He holds numerous credentials, licenses and memberships, including:  NAPFA Registered Personal Financial Advisor, National Association of Tax Professionals (NATP), Certified Financial Planner®, Registered Investment Advisor and Accredited Investment Fiduciary®. Visit Bob’s Blog

Bert was also featured on P.B.S. television on a one-hour special to be run nationwide in 2007 titled "Overcoming Financial Dysfunction."

Bert was born in Bisbee, Arizona. His financial career began as a runner and board boy for the local E.F. Hutton agency when he was 12 years old.

He has a B.A. in Psychology, an M.B.A. in finance, and a law degree. He started practicing as the tax attorney and fee-only financial planner serving primarily executives, professionals, and small business owners in 1972.

Bert organized Cambridge Connection, Inc. in 1983, using a holistic approach to fee-only tax and financial advisory services. He currently personally advises clients across the country.

In 1995 Bert formed a new organization, Cambridge Advisors, LLC, to train financial advisors on a national basis in the Cambridge approach to holistic fee-only financial planning, now known as the Alliance of Cambridge Advisors. He is the author of "Facing Financial Dysfunction: Why Smart People Do Stupid Things With Money" and nine other books relating to personal finance. Visit Bert’s Blog

Larry helps people move through life's transitions by addressing questions such as:

• Will I have enough money to "retire", however I choose to define that?
• Is my investment plan appropriate for my situation?
• Am I achieving all of the tax savings that the law allows?
• Will my estate plan accomplish my wishes in an efficient and tax effective manner?
• If I dream big dreams, what will my resources allow me to do?

In addition to being a Certified Financial Planner licensee, Larry is a tax attorney and Certified Public Accountant.  He was formerly Partner-in-Charge of Financial and Estate Planning Services for a major Midwestern CPA firm. 

Larry is a founding Partner of two companies: Cambridge Financial Advisors, LLC and FinancialAdvice4Me, LLC.

Larry has accomplished one of his life goals by establishing his home, together with his wife Bobbie and sons Travis and Justin, in the mountains of Colorado.

Kelly began practicing life-centered financial planning after completing the Cambridge Advisors Advantage training program in 1998 offered through the Alliance of Cambridge Advisors. She spent over five years working with nationally recognized advisor, Bert Whitehead, JD, MBA, founder of Cambridge Advisors and President of Cambridge Connection, Inc., as an advisor and eventually partner.

Kelly holds a Bachelor of Arts from Michigan State University's College of Business. She has earned the professional designation of CERTIFIED FINANCIAL PLANNER™ practitioner from the Certified Financial Planner Board of Standards. Kelly has also earned the designation of Enrolled Agent from the Internal Revenue Service.

Kelly is an active member and educator for the Alliance of Cambridge Advisors, as well as an active member of the National Association of Personal Financial Planners (NAPFA) and the National Association of Tax Practitioners (NATP).

Kelly lives in Novi, Michigan with her daughter Alora and three loved pets.

Before founding LifeStream Financial Planning, Jenna worked as a financial executive and financial strategist in major corporations in Seattle, Washington and Silicon Valley, California. During those 17 years, she enjoyed the creative part of crafting solutions for each unique financial challenge and helping people reach their financial goals. Part of this time was spent helping ultra-wealthy individuals to run their families estates. While there was a certain "glamour and prestige" working for the rich and famous, I discovered a desire in myself that it would be wonderful if I could provide the same quality advice to people who are not yet rich and famous.

Jenna is a Certified Financial Planner® licensee (CFP®), a Big 4 Certified Public Accountant (CPA), and a State Registered Investment Advisor (RIA). Her MBA degree came from Washington State University. The America Institute of Certified Public Accountants recognizes Jenna as a Personal Financial Specialist (PFS). PFS is the only credential issued to recognized financial planners in the industry to hold fiduciary duty to their clients. There are only 3,200+ PFS in United States today.

LifeStream is a member of the Fee-Only NAPFA organization, the AICPA, the Silicon Valley Chapter FPA, and the Alliance of Cambridge Advisors.

John later served as a financial planner at Compensation Resource Group, a fee-and-commission financial consulting firm specializing in estate planning and business compensation planning. Desiring to offer comprehensive, objective consulting for a clientele not limited to the very wealthy, he opened Trinity in 2001 to provide fee-only advice to clients of all means.

A respected media resource, John has been quoted in numerous local and national publications.

John is a past-President and active member of the Sauk Trails Optimist Club in Madison and also is the Past-Chair of the Rosenberry Society Advisory Board for United Way of Dane County. Visit John’s Blog

He is a motorcycle enthusiast and an avid golfer and hunter.

By choice, Kathleen works primarily with middle-aged and retired individuals. Widows and single women among her clients appreciate services tailored specifically for them. Many of her clients are clergy persons with unique planning situations. And those with a generous spirit value her experience in charitable and legacy planning.

Kathleen's role as an educator continues through her writings, including a bi-monthly column published by Investment News and she is a frequent speaker at various organizations and congregations.

She has been quoted in publications including Investment News, Newsweek, Money; Kiplinger's Personal Finance; Financial Advisor; Financial Planning; Metro Lutheran; St. Petersburg Times; Inside Information; Research; The Practical Journal of Estate Planning; New Choices; Spirit; Imagine; The Baltimore Sun; NAPFA Advisor; Cambridge Financial Focus; Planning Perspectives, and in syndicated columns printed throughout the United States.

Kathleen's volunteer work includes serving as a board member of the national Evangelical Lutheran Church in America (ELCA) Foundation. She also assists in an elementary school as a senior volunteer and is active in her local Lutheran congregation.

Robert's list of accomplishments includes working as a Floor Trader for a New York Stock Exchange Specialist firm, and he has more than twenty years' industry experience in finance, tax and public accounting.  Robert is a member of the American Institute of Certified Public Accountants (AICPA), the National Association of Personal Financial Advisors (NAPFA), the Financial Planning Association (FPA), and the New Jersey State Society of CPAs.

Robert is also one of the founding members of the Alliance of Cambridge Advisors, LLC, a group of financial advisors dedicated to providing holistic, comprehensive financial planning.  Robert served a three year term on the Alliance's Board of Directors from July 1, 2004 until June 30, 2007, acting as the Chairman for 2005/2006. He continues to be a mentor for new advisors and actively participates in the continuing education curriculum of the ACA.

Robert was named as a 2008 TOP ADVISOR by Reuters Advice Point.  He has been a guest on CNBC's "Power Lunch" and NBC's "Wall Street Week"  and has been quoted in various leading financial publications.  Living true to his own advice, he frequently attends seminars and conferences for his own professional development. 

A leader in the financial community, Robert makes several speaking engagements each year to promote fee-only planning and his latest entrepreneurial endeavor, Mastermind Your Ideal Inc., a coaching organization that enables members to envision and create their ideal lives.  Robert is also a dedicated philanthropist and volunteers with many public and private causes.  Robert resides in Fair Haven with his wife Nancy, a Human Resources consultant.  During his leisure time, he enjoys reading, travel, fishing, and golfing.