About Us
Our Team
Ramona Pearson
President & Owner
Ramona is president of the firm. She is a licensed CPA, a former member of the Michigan State Board of Accountancy and past national president of the National Association of Black Accountants. Ramona also holds licenses from the State of Michigan and Louisiana for insurance, and is licensed to provide investment advice as an investment adviser representative.
Her career spans 30 years during which period she has expanded her traditional CPA accounting firm to include personal financial planning. She joined the AICPA Personal Financial Planning division in its inception year in 1984 and began a life-long work in women and financial literacy.
Ramona has been a speaker on financial topics for national organizations, a guest on local television, a published author of her first book entitled Roommates for Retirement and she has 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®
Steve Jr. is the driving force behind the innovation and development of our investment solutions and platform. He leads the Investment Team and brings nearly two decades of experience to the firm, as well as a strong commitment to personal finance and asset management, as evidenced by his CFP® certification, AIF® designation and CFA® designation.
Jon Lohr CFA CFP®
Jon oversees the daily investment research and portfolio management responsibilities for the Investment Team, which involves asset allocation research, fund monitoring, due diligence, investment strategy evaluation and implementation, and performance monitoring. He has a diverse background in corporate finance and investment management, and he holds the CFA® designation and CFP® certification.
Nick Heinrich CFA CFP®
Nick 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. He holds the CFP® certification and CFA® designation and is well positioned to craft comprehensive solutions to financial challenges that span all stages of the financial planning process.