Bring Clarity To Your Financial Future
Everyone’s story is unique - an individual journey to their definition of success. That’s why we start the financial planning process by focusing on what matters – you. Your Wealth Advisor in partnership with your Wealth Planner will sit down with you, with no distractions, keeping one objective in mind: to get to know what’s important to you. Your personal story influences how you make your financial decisions, so that’s why we spend the time to get to know you personally, ask questions, and spark the (sometimes difficult) conversations that help us understand who you are, where you’re coming from, and what obstacles you might be facing.

Equipped with what we’ve learned about your vision for the future during the discovery process, we utilize a proven process and apply our financial planning expertise to analyze your situation and develop a comprehensive wealth plan that is uniquely tailored to you and your needs.

Life can be unpredictable, which is why we work to understand your situation in detail, anticipate different scenarios and remove the guesswork out of your financial future by stress-testing your financial plan. Using the latest tools and technology, we work with you to create advanced “what-if” scenarios based on your goals. And once your goals are set and your plan is implemented, we monitor your plan on an ongoing basis and keep you informed of your progress along the way. Because when you have a clear understanding of your complete financial picture and a detailed roadmap to help you get there, you can move forward with confidence.

Planning Through The Unpredictable

As your life evolves, you need a financial plan flexible enough to change with you. Whether you’re caring for a child with special needs, charting your course to retirement, or trying to establish a lasting charitable legacy, you can count on Hilliard Lyons to provide you with a financial plan tailored to your unique situation. We help our clients with:

Advisor Spotlight

"One of my professional clients had originally targeted a retirement age of 55. However, after completing Hilliard Lyons comprehensive planning process, the client learned that he if he chose to, he would be able to retire at age 49, 6 years earlier than planned. The projections and 'stress tests' in the plan gave him confidence that if he stayed within the spending and budget parameters outlined in the plan, his assets would successfully last through the projected end of the plan we had built together."
Dan Matthews
Wealth Advisor (Bloomington, IN)
Our Professionals
Meet our team of Certified Financial Planners® located throughout our footprint available to partner with your Wealth Advisor in meeting your unique planning needs.
Heather Osborn, CFP®
Director, Wealth Planning
Heather Osborn, CFP®
Director, Wealth Planning
Heather Osborn is the Director of Wealth Planning at Hilliard Lyons. She is a CFP® practitioner who works as an extended member of your Wealth Advisor’s team, providing expertise on issues affecting high-net worth clients.
Heather is a graduate of Western Kentucky University and holds a bachelor’s degree in Finance with a special emphasis in financial planning. Heather has served Hilliard Lyons Wealth Advisors and their clients for more than a decade. In this role, she has been instrumental in designing & implementing a wealth management process that is suitable for our clients. Prior to joining Hilliard Lyons, Heather worked as a Financial Planner providing individual clients with comprehensive planning and advice.

A resident of Williamson County, TN since 2004, Heather is married with two children. She loves spending time with her family boating & skiing on Lake Cumberland.

Heather is registered in the following states: KY, TN
Kara Endres, CFP®
Vice President, Wealth Planner
Kara Endres, CFP®
Vice President, Wealth Planner
Kara Endres is a Wealth Planner for Hilliard Lyons and services the Kentucky and Indiana markets. As an extended member of your Wealth Advisor’s team, she focuses on providing comprehensive financial planning solutions to high net worth clients and helps individuals and families put together a road map to achieve goals and objectives during the various life stages.
Kara began her career in the financial planning field in 2009 and has held her CERTIFIED FINANCIAL PLANNER ™ designation since 2011. She is a graduate of Ball State University and resides with her husband and three children in Southern Indiana. Kara enjoys spending time with her very active family and taking in a baseball game when time permits.

Kara is registered in the following states: IN, KY
Jenny D. Foley, CPA
Vice President, Wealth Planner
Jenny D. Foley, CPA
Vice President, Wealth Planner
Jenny joined Hilliard Lyons in 2016. She previously worked in public accounting, specializing in high-net-worth individuals, estates, gifts, trusts, and tax planning. Most recently, Jenny served as Vice President and Senior Trust Advisor for PNC Wealth Management.
Jenny earned her bachelor’s and master’s degrees in accountancy from the University of Kentucky. She is also a graduate of the American Bankers Association National Trust School. She has served on the board of the Bluegrass Chapter of the American Red Cross and is a member of the Bluegrass Estate Planning Council and the Kentucky Society of CPAs.

Outside of work, Jenny enjoys reading, traveling, and spending time with friends and family.

Jenny is registered in the following states: KY.
Financial Planning