Core Values
About Us
Michelle Evard-Moses, CFP®
President & Owner
3003 N. Central Ave. Ste 600
Phoenix, AZ 85012
P 480.442.5816
Are you looking for honest advice? Do you want to feel like you’re on the right track? I can help.
I’m Michelle Evard-Moses, CFP® professional, the founder of Me Financial. I formed my business because I saw how confused people were with their finances. I wanted to create a place where they could get honest, personalized advice, without being sold to.
Much of what I do is helping people achieve what they want and feel financially fulfilled.
Clients routinely tell me how much better they feel after talking with me and having me on their team.
I enjoy investing outside of the stock market. For this reason, real estate and alternative investments are often utilized. Everything from hotels, self-storage to residential real estate.
I’m originally from Kansas City and graduated from Miami University in Oxford, OH. I hold my CERTIFIED FINANCIAL PLANNER ™ certification and am a licensed REALTOR®. I host the Me Financial Podcast and have served on many non-profit boards, been a regular on TV and radio, and appeared in numerous magazines and newspapers.
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.
Fiduciary
We serve as a fiduciary at all times and for all aspects of our relationship. Although our recommendations need to be suitable for your situation, we are held to a higher standard and must always act in your best interests.
Transparency
We always provide clarity regarding our costs and are typically not compensated by commissions but instead charge a fee for our services. We strive to remove any conflicts of interest and provide the best advice possible, regardless of compensation.
Commitment
We diligently serve as your planner with clearly defined responsibilities.
Independence
We are not owned by any other entity and seek to implement the best possible solutions for our clients.
Organization
We will help bring order and simplification to your financial life.
Accountability
We will help you follow through on your financial plan, decisions, and commitments.
Objectivity
We bring an independent perspective to help avoid emotionally driven financial decisions.
Proactivity
We help you anticipate and prepare for the evolution of your financial plan, including unanticipated transitions.
Partnership
We work collectively with you, not just for you.
Education
We are responsible for finding the strategies and insight you need to help your financial plan succeed.
Retirement & Pension Planning
Strategies that coordinate your savings and plan for an easy retirement transition. If you’re a business owner, we’ll find a plan that fits your needs and costs.
Tax Planning
Strategies that attempt to guide your wealth and financial decisions to minimize and control your immediate and long-term tax implications.
Investment Planning
Strategies that structure and manage your portfolio in an attempt to minimize risk and cost. We focus on simple, easy-to-implement strategies that produce passive income.
Insurance Planning
Strategies that address the major insurable risks in an effort to minimize or even eliminate as many negative financial scenarios as possible.
Legacy & Estate Planning
Strategies that seek to anticipate and arrange the transition of your estate to achieve your priorities while minimizing costs and taxes
The National Association of Realtors is a global membership of Real Estate professionals that adheres to strict Code of Ethics to preserve, protect and advance the right to real property for all.
CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first.
WBENC Certification is the most widely recognized and respected national certification for women-owned businesses. It has been confirmed that our business is at least 51% owned, operated, and controlled by a woman or women, and has the appropriate structure and strategic business planning and implementation in place.
The FPA is the largest membership organization for financial planners in the United States. The FPA promotes professional ethics and education in the financial planning field and offers programs and benefits to help financial planners succeed, including practice support, learning, networking, and advocacy.