A team that pulls together.

James is an Investment Advisor Representative who specializes in investment and estate planning for those who desire to protect, grow, and distribute their wealth with integrity and wisdom. James graduated from Ashland University in 2005 with a Finance Degree and Bachelor of Science in Business Administration. In 2012 James opened his own firm to better serve his clients. James has his Series 7, 63, and 65 securities registrations, as well as his insurance licenses for Life and Annuities. James grew up in Ohio where he trained to be a champion in his wrestling career. He put many hours into his training and his dedication to hard work allowed him to win a National Championship with multiple All-American honors. Nowadays, James is focusing his dedication to help prepare his clients to meet their goals. He enjoys spending time with his wife Jessica and their four children.

Nate is a financial advisor leading OxenFree Financial’s Orlando office since 2020. He focuses on empowering clients to retire with the financial freedom to make decisions based on their values and desires, without financial constraint. Nate’s approach to financial advising is deeply rooted in his commitment to personalized service and long-term planning. He works closely with each client to develop tailored strategies that align with their unique goals and life stages. Previously, Nate spent eight years teaching Economics and History and coaching sports, honing his communication and mentoring skills. He is dedicated to personalized financial planning and investment management. Outside the office, Nate enjoys outdoor activities and sports with his wife and three children.

Johnny helps families make smart financial decisions with clarity and confidence. As a fiduciary advisor with OxenFree Financial, he provides objective advice and long term planning designed to keep clients on track through every stage of life.

Johnny specializes in long term financial planning, tax efficient investing, retirement strategy, and simplifying complex financial decisions. He works with individuals and families who want a clear plan, a disciplined investment strategy, and an advisor who explains things in plain English.

Before becoming an advisor, Johnny worked as a Finance Manager in Ohio, where he developed a strong foundation in real world money decisions and the emotional side of finances. In 2022, he moved his family to Florida and joined OxenFree Financial.

He lives in West Melbourne with his wife and their three children. Outside the office, he enjoys staying active, spending time with family, and being involved in his community.

Luke is a purpose-driven Financial Advisor with a passion for understanding the unique circumstances, needs, and goals of his clients. Through tailored strategic planning, he provides personalized guidance while accompanying his clients on their journey toward lasting financial peace. He also serves internally as his firm’s Chief Compliance Officer, and has his Series 65 Uniform Investment Advisor Law registration.

In 2013, Luke graduated from Pittsburg State University with a Master in Business Administration (MBA) where he also received the Outstanding MBA Student of the Year Award. Prior to joining OxenFree Financial, he specialized in continuous improvement where he spearheaded multi-million-dollar global business process transformation projects, primarily for finance and supply chain. When he’s not in the office or spending time with his wife Victoria and daughter Vivianna, Luke enjoys rock climbing, training in Brazilian Jiu-Jitsu, practicing foreign languages, and writing music.

Garth is an Investment Advisor Representative who specializes in developing comprehensive investment and retirement plans for individuals and small businesses. He is focused on building and protecting his clients’ assets while helping them achieve their financial goals. He focuses on client education through individual meetings and group classes. He places a high value on building long-lasting relationships with his clients.

Garth is a veteran of the us Air Force, a native of Louisiana, and a graduate of Berea College. In 2008, he began his financial services career as a Financial Advisor with Edward Jones Investments. In 2014, Garth became an independent advisor to better serve his clients and to allow him to serve as a fiduciary advisor. Garth holds his Series 66 securities registrations. He is also licensed for life insurance and annuity products.

Garth has been married to his wife, Katie, for 26 years. He is a father to twin girls, Lily and Anna. Garth is actively involved in his community and has served on the Building Advisory and Financial Advisory committees for the Lee County School Board.  He sits on the board of the Bobby Holloway, Jr. Memorial Fishing Tournament, an organization that provides scholarships to local students. He actively supports local veterans’ groups and enjoys volunteering time with Special Equestrians, a local horse-riding organization that provides adaptive riding lessons for veterans and disabled individuals.

When not at his office, Garth enjoys spending time with his wife and kids, fly fishing, horseback riding, watching old westerns and perfecting his gumbo recipe.

Erik is a dedicated Financial Advisor who brings clarity and confidence to his clients through thoughtful, values-based financial planning. He is passionate about helping individuals and families align their financial decisions with their long-term goals. Erik is a licensed Investment Advisor Representative and holds his Series 65 Uniform Investment Adviser Law registration.

Before entering the financial world, Erik was recognized as one of the nation’s top music educators, spending over a decade building award-winning music programs and mentoring students in Brevard County. His background in education and leadership gives him a unique ability to simplify complex topics, connect with people, and provide clear, meaningful guidance.

Outside the office, Erik enjoys spending time with his wife and three children, mentoring young students, and playing the violin.

Andrew is passionate about helping others achieve their full potential. He believes life is a gift and is committed to helping people steward their resources wisely. Raised in a large family by a hardworking father, Andrew learned early the value of discipline, perseverance, and doing what it takes to succeed.

After graduating high school with his Associate of Arts degree, Andrew earned his Bachelor’s degree in Business from the University of Central Florida, completing his education debt-free in just two years. Witnessing firsthand the burden that debt and poor financial decisions placed on others, he pursued a career in finance to be part of the solution. He later earned his Series 65 Uniform Investment Adviser Law registration and has worked in the financial services industry since 2014.

Throughout his career, Andrew discovered his true passion in helping individuals and families eliminate debt, build lasting wealth, and experience genuine financial peace. His background includes experience in both corporate banking and independent financial coaching, but he ultimately sought a more purpose-driven path. This led him to become a Financial Advisor at OxenFree Financial, where he is proud to work alongside a team committed to serving clients with honesty, integrity, and transparency.

Andrew finds deep purpose in his relationship with God through Jesus Christ. He is blessed with a loving and supportive wife and two sons. He treasures time with his family and is intentional about embracing these precious seasons while his children are young. Andrew remains driven to grow and excel, both at home and in his professional calling.

Hi, I’m Gary Steer, an advisor at OxenFree Financial. With over 20 years of experience navigating the ups and downs of the market, I’ve dedicated my career to helping clients meet their financial goals. As a Certified Financial Planner, I love using my knowledge and experience to guide people toward financial freedom.

I grew up in Ohio, where I wrestled in high school and met my wife, Jeannette, during our junior year. We’ve been blessed with two wonderful daughters and four amazing grandchildren. Faith and family are at the core of my life, and I strive to bring those values into the relationships I build with my clients.

In addition to my financial planning experience, I’m an enrolled agent with the IRS, which gives me a deep understanding of taxes: a valuable tool in crafting comprehensive financial plans. One of the things I love about working at OxenFree is the team-based approach, where we all collaborate and share our knowledge, allowing me to provide well-rounded advice to my clients.

Since moving to the Space Coast in 2011, I’ve felt right at home, and I look forward to meeting you. Whether you’re just starting out, planning for retirement, or looking to secure your financial legacy, I’m here to walk with you every step of the way.

Thank you for taking the time to get to know me. I’m excited about the possibility of working together and helping you build a future where you can live freely and confidently.

Christian is an empathetic financial advisor who thrives on partnering with clients, offering a compassionate ear to their needs, and crafting personalized strategies to help them achieve their financial goals. Originally from Southwest Florida, Christian holds a Bachelor’s Degree in Elementary Education from Florida Gulf Coast University. He spent six years teaching before discovering his true calling: guiding individuals on their financial journey.

Outside of work, Christian cherishes family time with his wife and two children, and spending time with them fishing and hiking in Florida’s outdoor wonders.