About Us
Our Team
Karron E. Wages, CFP®
Senior Financial Advisor
Karron E. Wages, CFP®, is the Senior Financial Advisor at Financial Decisions. She earned her B.S. in Business Administration & Finance from the University of Montevallo in 1988, and her CFP® license in 1996.
She began her financial planning career in 1996 with The Arkansas Financial Group, Inc. Since the founders of The Arkansas Financial Group (Rick Adkins and Cindy Conger) were also founders of Financial Decisions, Inc., Karron transitioned over to lead Financial Decisions in 2005.
Karron is your primary decision partner and financial planner. Her role is to see the big picture of your financial situation and help put all the puzzle pieces together for your best outcome.
“I am a natural organizer, planner, fixer, and helper. When I hear a financial problem, I’m compelled to start working on the puzzle. What motivates me in my role at Financial Decisions, are the rewards I get when helping people solve a financial problem or reach a long-term goal. Those rewards – they give me purpose. That’s why I’m here.”
Mary Rose Sparks
Client Services Manager
Mary Rose Sparks is our Client Services Manager. She earned her bachelor of business administration (B.B.A.)in 2014 from the University of Central Arkansas. She began her career as a financial analyst with Windstream, and then joined the Financial Decisions team in 2017. Mary Rose is your main point of contact for all account services, including opening new accounts, making changes to accounts, making additions to, or withdrawals from accounts, problem resolution, and other account service requests.
Investment Team
The following investment professionals are dedicated to providing investment management resources, technology, and capability with the goal of best serving our valued clients.
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.
Steve Osterink, Sr.
With over 40 years of experience working with clients in the financial services industry, Steve Sr. co-leads the Investment Team. He has an uncanny ability to focus in on practical solutions to complex problems, and his wisdom is a valuable resource for the firm. Further, his leadership and counsel are critically important as the Investment Team strives to navigate the ever-changing global economy and financial markets.
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.