About Us

Heritage Advisors, LLC has created a powerful professional structure to help you build life-long wealth.

Our mission is to help clients maintain financial viability in the present while taking a proactive approach to achieve future goals. This requires open communication to reach an understanding of our clients’ needs, thorough research, and sound analysis.

We are dedicated to meeting these needs with high standards of excellence and professionalism.

Heritage Advisors strive to provide responsive and unbiased advice with the highest level of integrity. We have built deep relationships with our clients that we hope to develop into lifelong relationships.

Meet Our Team

  • All
  • Asset Management
  • Insurance
  • Law
  • Tax
  • Wealth
  • Ralph Nelson JD, CPA
    Ralph Nelson JD, CPA
    CEO
  • Michael Frost
    Michael Frost
    President
  • Barry Rhonemus
    Barry Rhonemus
    Principal
  • Jack Barker, JD, CPA, CTFA
    Jack Barker, JD, CPA, CTFA
    Chief Compliance Officer
  • Brad Haines, CFA, FRM
    Brad Haines, CFA, FRM
    Head of Strategy Implementation
  • David E. Maxey
    David E. Maxey
    Director - Wealth Management
  • Charles W. Ehrler, CPA
    Charles W. Ehrler, CPA
    Director – Tax & Accounting
  • Joseph G. Kennedy, CPA
    Joseph G. Kennedy, CPA
    Director - Tax & Accounting
  • Michael E. Minyard, CPA, MBA
    Michael E. Minyard, CPA, MBA
    Director - Tax & Consulting
  • Keegan Healey, JD
    Keegan Healey, JD
    Director-Legal
  • Kory Drent, MBA
    Kory Drent, MBA
    Director - Tax
  • Jeffrey M. Jones
    Jeffrey M. Jones
    Director - Cave Creek
  • Jared Williams, CFP®
    Jared Williams, CFP®
    Financial Advisor
  • Kenneth Whitlock, CPA
    Kenneth Whitlock, CPA
    Senior Technical Manager
  • Brian Boll
    Brian Boll
    Financial Advisor
  • Carol Minerd, EA
    Carol Minerd, EA
    Senior Accountant
  • Wanda Stapley
    Wanda Stapley
    Senior Client Manager
  • Brent Emch, CFP®, CPFA
    Brent Emch, CFP®, CPFA
    Financial Advisor
  • Gail Ehrler
    Gail Ehrler
    Operations Manager
  • Connor Smith, CFP®
    Connor Smith, CFP®
    Senior Relationship Manager
  • Lu Fierro
    Lu Fierro
    Accounts Receivable Clerk
  • Margie Forman
    Margie Forman
    Accounting Manager
  • Anne-Marie Psenka
    Anne-Marie Psenka
    Tax Manager
  • Donna Travaglio
    Donna Travaglio
    Tax Manager
  • Bobbie-Jo Kovar
    Bobbie-Jo Kovar
    Staff Accountant
  • Leigh Palmer
    Leigh Palmer
    Client Service Manager
  • Malissa Whipple
    Malissa Whipple
    Legal Assistant
  • Chad Minerd
    Chad Minerd
    Senior Accountant
  • Tyler Karl
    Tyler Karl
    Assistant Portfolio Manager
  • Patty Tucker
    Patty Tucker
    Client Relations
  • Ali Minor
    Ali Minor
    Wealth Management Operations Manager
  • Caroline Riesing
    Caroline Riesing
    Service Associate
  • Joan Compas
    Joan Compas
    Clerical Assistant
Ralph Nelson JD, CPA
CEO

Ralph is a licensed attorney and Certified Public Accountant. Ralph is one of the founders of Heritage Advisors. Prior to establishing Heritage Advisors, Ralph was a practicing tax attorney focused primarily on income tax strategies. Ralph worked for Deloitte and Touche, LLP in its Mergers and Acquisitions group before joining a Phoenix-based tax firm. Ralph currently works primarily with small business owners and high-income taxpayers to develop income tax and estate tax strategies.

Michael Frost
President

Prior to co-founding Heritage Advisors, Michael spent his career as a wealth manager and investment advisor for a few of the most prestigious financial Institutions. After years spent with Merrill Lynch, Michael realized he wanted to bring Wall Street to Main Street and opened his own Registered Investment Advisory Firm in 2011 and aligned himself with the sophisticated planners at Nelson Law Firm. With an emphasis on true independent non-bias financial services, Michael brings his experience in investment management, financial planning, private banking, investment banking, insurance plan design and special financing needs to the Heritage team.

Barry Rhonemus
Principal

Barry has over 20 years of financial services experience working with ultra high net worth clients, family offices, foundations and corporate entities. He started his career in corporate cash management, but decided to begin his financial advisor career in 1996 with Piper Jaffray and then transitioned to Wells Fargo in 1998 in an effort to bring a broader array of services to his client base. During his 11+ year tenure at Wells Fargo, he continued to advise wealthy private clients and non profits until 2003 when he undertook a higher level, broader advisory role as a Private Client Manager where he not only assisted clients with meeting their investment, income and retirement goals, he also worked with other private bank professionals in providing solutions from the banking/credit, insurance, trust, investment management and family office groups within the Wells Fargo organization. His significant financial services experience, and effective client service skills, translated into the further refining and focusing of his practice on the needs of the most complex private bank relationships in 2005 via his promotion into the Wealth Advisor role. His continued success resulted in his promotion to Senior Vice President, his selection for membership on Wells Fargo’s National Wealth Advisor Council, and his national ranking in the Top 10 of Wells Fargo Private Bank Wealth Advisors in 2009.

In order to navigate the complexities of the financial world, it is important that a person not only be intelligent, but also that he/she also possess the ability to comprehend highly detailed, inter-connected concepts and information. Early on, Barry demonstrated his strength in this arena by obtaining a Bachelor of Science Degree in Chemical Engineering, with a minor in Finance, from Ohio University.

Barry’s decision to join his long time business partner, Matt Boyd, in founding Juncture Wealth Strategies, LLC is part of his continued effort to bring innovative, customized solutions to the complex needs of ultra high net worth individuals, families and non profits, in the professional and caring manner that has been his hallmark for over two decades.

Jack Barker, JD, CPA, CTFA
Chief Compliance Officer

Jack has over 15 years of wealth planning and tax analysis experience working with high net worth clients and institutions. He began his professional career at Ernst and Young working as a Senior Tax Consultant. He later joined JP Morgan as a Wealth Planning Strategist to run their planning group for their private client services in Arizona and Colorado. Jack worked closely with clients to address their tax exposure by analyzing estate documents, discussing business succession alternatives and examining cash flow issues. Prior to joining Juncture, he most recently served as the Senior Regional Trust Manager of Metro Phoenix at Wells Fargo monitoring risks, compliance and fiduciary governance matters in an office of $1.5 billion in managed assets.

Jack is a member of the Paradise Valley Estate Planning Group and recently served on the TGEN Planned Giving Advisory Board. A graduate of Texas Christian University, Jack earned his Bachelors of Arts in Accounting followed by his Juris Doctor from the University of Nebraska College of Law. Although not a practicing accountant, Jack maintains a current license as a Certified Public Accountant (CPA) as well as his Certified Trust and Financial Advisor (CTFA).

Attracted to Juncture’s unique investment philosophy and his shared passion for creating impactful relationships with clients to simplify their complex financial situation, it was an obvious decision for Jack to join the Juncture team. With Jack’s educational and career background, he brings unique experience that complements the team. As the Chief Fiduciary Officer, Jack is responsible for overseeing compliance as well as developing wealth planning solutions that include estate planning reviews, financial analysis and cash flow projections.

Jack and his wife, Alicia, of twenty-one years live in Scottsdale with their two children, Evan and Quinn.

Brad Haines, CFA, FRM
Head of Strategy Implementation

Brad has over 20 years of experience managing investment portfolios for high net worth individuals and institutional clients. Brad’s experience valuing privately-held companies, as well as his research in asset & risk allocations, has provided the foundation for his perspective on investment methodologies. Brad’s decision to join Juncture was based on his desire to continue to research and implement leading-edge investment strategies to help clients achieve their financial goals.

Clients inspire my work! I continuously research new mathematical, statistical and scientific discoveries for application to the financial markets. The inspirations in my life are: faith, family, friends and fitness. I have been exceedingly blessed in those areas and love to help others succeed in their lives as well!

David E. Maxey
Director - Wealth Management

David Maxey began his career in the financial services industry 15 years ago. Prior to his employment at Heritage Advisors, he worked at the leading corporate firms of Wachovia Securities and Wells Fargo Advisors. David specializes in developing financial plans to meet all of his clients’ wealth management goals. This is achieved by his execution of in-depth knowledge of investment management, retirement planning, specialized lending, and insurance coverage.

Charles W. Ehrler, CPA
Director – Tax & Accounting

Charles W. Ehrler, who attended Arizona State University on a Medallion of Merit scholarship, receiving a Bachelor of Science degree in Accounting in 1979. He was certified by the state of Arizona in 1982. Chuck has taught college level business courses at a local community college. Chuck and his wife Gail, who works alongside him, have three daughters and one granddaughter. They have hosted numerous foreign exchange students they call the extended family.

Joseph G. Kennedy, CPA
Director - Tax & Accounting

Joseph G. Kennedy is a 1978 graduate of the University of Missouri, with a Bachelor of Science degree in Business Administration. He scored in the top 5% in the intensive national examination to become a C.P.A., and was certified in 1981. His professional abilities led to an appointment to the Board of Directors of First Phoenix General Hospital, and then as Foundation Board Member with John C. Lincoln. Married, and the father of three children, Joe enjoys all sports. His wife JoLee has a Bachelor’s degree in both dietetics and nursing. She is currently working on her second novel, traveling for research. They enjoy caring for their grandchildren and chickens, and some occasional fishing.

Michael E. Minyard, CPA, MBA
Director - Tax & Consulting

Mr. Minyard has more than 36 years of diverse business and entrepreneurial experience including technology, agricultural, construction, real estate, and professional services. Mr. Minyard began his professional career in the U.S. army, where he served in Data Processing Headquarters in Europe. His industry experience includes computer systems management, farming and commodity trading, residential and commercial construction and development, and oil and gas. He has guided numerous firms from formation, thorough capital acquisition and growth phases to pre-IPO. He has experience in multinational financial transactions, tax mitigation and corporate restructuring.

Keegan Healey, JD
Director-Legal

Keegan M. Healey is an attorney at Nelson Healey, P.C who focuses his legal practice on the areas of mergers and acquisitions, real estate, securities, and other contractual matters.

Prior to joining the firm, Keegan received his juris doctorate from Arizona State University’s Sandra Day O’Connor College of Law and his bachelor’s degree from the University of Arizona’s Eller College of Business. In both his undergraduate and graduate studies, Keegan received numerous academic accolades including the Saltzer Academic Achievement Award, Dean’s List, leading to his invitation to be a member of Law Review. Keegan began his legal career as a summer associate at a phoenix litigation firm primarily performing legal research and drafting memos for use in construction defect, contract disputes, and corporate cases. Before attending law school Keegan worked in internal auditing, private equity, and management consulting.

Outside the office Keegan enjoys running, cycling, skiing, hiking, and spending time with his family.

Kory Drent, MBA
Director - Tax

With more than 15 years of experience in tax, accounting, and business advisory services, Kory Drent strives to work with his clients to improve their financial and business success. As a graduate of Arizona State University, he continued his education by obtaining his MBA in 2014. In addition to Kory’s invaluable tax and accounting management experience, he brings a strong background in computer technology and leads the company’s I.T. department with its goals of technical efficiency and productivity.

Outside of work, Kory commits his time to his family and continuing his professional education.

Jeffrey M. Jones
Director - Cave Creek

Jeffrey Jones, Financial Advisor began his financial career almost a decade ago. He started and worked in the corporate financial atmosphere for Wells Fargo/Wells Fargo Advisors before coming to Heritage Advisors. His background includes investment management, retirement planning, tax planning and preparation, implementation of strategic financing plans and insurance coverage design. Jeffrey makes it a priority in taking a holistic approach to solve for any and all of his clients financial needs.

Jared Williams, CFP®
Financial Advisor

Jared entered the financial services industry in 2002. He has extensive experience in developing comprehensive wealth management plans for successful individuals, families and business owners. Jared has a passion for guiding individuals and businesses through important yet complex issues, and providing education to enable them to make critical decisions with confidence and clarity. In order to best serve the client, he works collaboratively with other industry specialists in developing and implementing suitable recommendations. Jared’s main goal is for his clients to avoid unnecessary risk, whether they are planning for retirement or managing their business.

Jared is a graduate of the Marriott School of Management at Brigham Young University (B.S., Business Management). He is actively involved in his church, the community and the Boy Scouts of America. He enjoys running, cycling and swimming, but his most rewarding time is spent with his wife, Rachel, and their five children.

Kenneth Whitlock, CPA
Senior Technical Manager

Kenneth Whitlock has been with the firm since 2005 and has over twenty-four years experience with public accounting. He graduated summa cum laude from Arizona State University in 1987, with a degree in accounting. His area of focus is tax planning and other income tax related issues. Kenneth is available to assist our clients with tax strategies, preparation, and representation. Kenneth is a member of the American Institute of Certified Public Accountants. He is also an active member in the Fraternal Order of Eagles and a volunteer with the Civitan Foundation.

Outside the office, Ken enjoys sports, RV trips, and other travel.

Brian Boll
Financial Advisor

Brian Boll has served in the financial services industry for almost 20 years. He has a bachelors’ degree in Finance from California State University, Fresno. Prior to his employment at Heritage Advisors, he worked at the leading financial firms of Wells Fargo Advisors, Chase Investment Services, and Charles Schwab. Brian specializes in developing in-depth financial plans for his clients. This combined with his extensive knowledge of investment management, retirement planning, specialized lending, and insurance helps him assist his clients in meeting all their wealth management goals. Brian is an avid mountain biker and enjoys spending time with his wife and grandchildren.

Carol Minerd, EA
Senior Accountant

Carol Minerd has been working in the tax field since 1979 and excels in the preparation of all types of income tax returns. She graduated summa cum lade form George Mason University in 1993, earning a Bachelor of Science degree. She went on to earn her Enrolled Agent certification in 1996. Carol has been with the firm since 1997. She has expanded her knowledge to include accounting and financial statement services.

Carol has been married since 1979, has three children, and four grandchildren. In her spare time, she enjoys reading and travelling.

Wanda Stapley
Senior Client Manager

Wanda Stapley has over 23 years of financial services experience, beginning with Boettcher & Company in Denver during 1987. She has served in a variety of customer service, trading (both fixed income and equity), operational/managerial roles (Head Cashier/Wire Operator for J.W. Garrett & Co. during early 90′). She prides herself in not only being a valued and trusted resource by both the clients and the investment professionals she has worked with, but also as being a person who can solve difficult client account/servicing problems, as well as being quite attentive to details that can oftentimes prevent those problems from occurring in the first place.

Wanda began working for Wells Fargo in 2000, and a couple of years later, began working with both Barry Rhonemus and Matt Boyd, the eventual founders of Juncture Wealth Strategies, LLC. As a team, they successfully built strong client relationships and a wealth management practice that involved approximately $300 million in private client assets.

As previously highlighted, she not only brings significant financial services experience to the firm’s capabilities, but she also brings several years of experience of how to work with, and support, Matt and Barry, both as individuals and as an integrated team, as well as many of their clients with whom she has formed a strong working relationship.

Brent Emch, CFP®, CPFA
Financial Advisor

Brent is a graduate of Grand Canyon University with a bachelor’s degree in Business Management.  He began his career with Northwestern Mutual and LPL before coming to Heritage Advisors.  He is passionate about helping both individuals and businesses achieve their goals through interactive planning and consistent communication.  The plan is accomplished by building a thorough financial plan, investment management, and proper insurance planning.  In his free time Brent enjoys hiking, cooking, and traveling.

Gail Ehrler
Operations Manager

Gail Ehrler has been with the firm since 1981. From that time on she has been a vital part of the team and now acts as Operations Manager. Her previous professional work experience includes creative director, travel manager and HR. She credits her strong work ethic from her parents, Dee and Rick Ray. When she isn’t working beside her husband she is playing with their children and grandchildren. Otherwise, you will find her in the garden or chicken coop.

Connor Smith, CFP®
Senior Relationship Manager

Connor graduated from Ohio University with a Bachelor of Business Administration in Finance and a Financial Planning Certificate. After graduating, he and his wife moved to Richmond, Virginia where he worked for an Ameriprise firm specializing in retirement, estate, and tax planning strategies.

His passion for creating holistic relationships with his clients inspired his decision to join the Heritage team and move back to central Ohio. He is driven by his commitment to his faith, family, friends, and building lifelong client relationships. Connor also enjoys being in the outdoors, golfing, and spending time with his wife and two dogs.

Lu Fierro
Accounts Receivable Clerk

Lu Fierro, billings clerk, has over 20 years of accounting experience, which includes billing for both legal and CPA firms. Lu has worked for the firm for 10 years and is a vital part of the Heritage team.

In her spare time, she runs after her 3 year old grandson who has stolen her heart.

Margie Forman
Accounting Manager

Margie Forman has been with the firm since 1992. Born in Nebraska, she was the youngest of 13 children in her family. Gymnastics was her life for nearly 18 years and the gym was where she met her husband Mark. Mark and Margie have been married since 1989 and have two boys, Talon and Titan. As a family, they love to camp, snow ski and go on vacations. Margie is a staff accountant that enjoys working with her clients on their bookkeeping needs. Her duties include bookkeeping, accounting and tax returns, and also helping out with billings.

Anne-Marie Psenka
Tax Manager

Anne-Marie Psenka, Tax Manager, joined us with more than six years retail operations management experience. In addition to overseeing accounts payable and accounts receivable, Ms. Psenka managed inventory, record-keeping and continually developed and implemented cash control and process improvements. Additionally Ms. Psenka has advanced skills in systems training and leadership.

Donna Travaglio
Tax Manager

Donna is our longest tenured employee, having started with the firm in 1987. As one of our Tax Managers, she specializes in all forms of tax preparation as well as client bookkeeping and financial statements.

She and her son, Tyler, enjoy watching Coyotes hockey games either at home or at the arena. Tyler is a member of the drumline in his high school marching band where Donna enjoys volunteering many hours as a chaperone and is also a board member of the band parent organization. You can also find her at the bowling alley on the weekends where she bowls on a league with friends.

Bobbie-Jo Kovar
Staff Accountant

Originally from Guam, Bobbie and her husband moved to Arizona in the late 90’s, and worked for a mid-sized law firm as a bookkeeper for 8 years. Bobbie expanded her accounting and management experience in a construction company and then a CPA firm before joining Kennedy/Ehrler in 2012. During this time she developed a superior knowledge of Quickbooks and a strong ability to create efficiencies in bookkeeping for clients. Bobbie brings to the firm over 19 years of accounting experience and more than 7 years of tax return preparation.

Leigh Palmer
Client Service Manager

Leigh brings 15 years of experience in private banking working with ultra-high net worth clients and families to achieve their financial goals and objectives. Prior to joining Juncture, Leigh worked in the Private Bank division of Wells Fargo as a Wealth Advisor Associate consulting with clients to address their banking needs relating to lending, investment management and trust services. Leigh believes that the way in which you live your life trickles down into one’s business ethos, driving her passion to assist and help clients as expediently as possible to ease their worry and simplify their life. Additionally, Leigh is actively involved in the community and with many San Diego charities and nonprofits.

As a Client Service Manager, Leigh works closely with clients as they transition their accounts and portfolios.  She assists the Chief Financial Officer with daily reporting, analysis, data collecting, and compliance needs.

Malissa Whipple
Legal Assistant

Malissa Whipple has been with the firm since 1993. As a graduate of Trend Business College in Eugene, Oregon, Malissa brings a strong Administrative background specializing in executive and legal areas. She has also continued her education with courses in bookkeeping, accounting, and tax return preparation, all of which make her an extremely versatile employee.

Malissa is married to Jon and has a daughter, Lily, a member of the Cambridge Honors program in her high school, and who is a varsity and competition cheerleader. Between her job and her family commitments, Malissa keeps very busy.

Chad Minerd
Senior Accountant

Originally from Manassas, Virginia, Chad attended Arizona State University and graduated in 2008 with a degree in Global Business Management & Leadership, with a concentration in Finance. While still working on his degree, he began his professional career which focused on tax preparation and planning, and more recently has shifted his focus to information technology for small business environments. At Heritage Advisors, Chad combines his higher education in finance with his real world experience in tax and accounting for the benefit of his clients.

Tyler Karl
Assistant Portfolio Manager

Tyler Karl graduated Summa Cum Laude from Arizona Christian University. He was a double major with a BS in business administration with an emphasis in finance and a BS in Music with an emphasis in vocal performance. Prior to Heritage Advisors, Tyler worked as registered representative with Charles Schwab & Co where he garnered his FINRA licenses Series 7 & 63. Tyler is currently studying for his CFA and is a level II candidate. During his free time, Tyler enjoys spending time with his wife; weight lifting, reading anything industry related, and following the market.

Patty Tucker
Client Relations

Patty Tucker joined the firm in 2009, bringing with her extensive experience in client relations. Prior to moving from Oregon to Arizona, Patty owned and operated her own business for 20 years. She knows the importance of treating clients with a friendly and caring attitude. All of which makes Patty an invaluable part of our team . Patty enjoys spending her spare time with her family, and traveling back to Oregon to visit friends.

Ali Minor
Wealth Management Operations Manager

Ali graduated with a bachelor’s degree in Kinesiology from Arizona State University. She is currently pursuing her master’s degree in Business Administration at Grand Canyon University. Presently, Ali’s role at Heritage Advisors consists of wealth management operations, human resources, marketing, event planning, and assisting the executives. During her free time, Ali enjoys hiking, playing sports, and spending time with her family and friends.

Caroline Riesing
Service Associate

Caroline is a recent graduate of Arizona Christian University where she studied music with a minor in business. Since the time she was young, Caroline assisted her father with his landscape business by performing administrative tasks. During her time in college, Caroline worked for the university in the business department, assisting with accounts receivable and student accounts. Newly married, Caroline and her husband, James, enjoy spending time with family and friends whether it’s eating, playing games, or attending sporting events and musicals.

Joan Compas
Clerical Assistant

Joan’s previous professional work experience includes working as a legal investment and engineering administrative assistant. While living overseas in Seoul, South Korea, she supervised the PBX operations of a 5-star military hotel and volunteered with the 1988 Olympic Accreditation Department. Living in Seoul enabled her to attend numerous Olympic events and travel extensively with her family in the East. She believes the job that has taught her the most patience is that of a school registrar. Her free time is spent doing yoga, speed walking with her husband, volunteering with St. Vincent dePaul Society and playing with her granddaughters.