Our Qualifications

Melinda Olbert is a Financial Advisor with Cetera Advisors LLC. Melinda worked with ING from January of 2006 to December 2013. From 1997 through 2005, Melinda was an financial advisor and branch office manager with American Express Financial Advisors (now known as "Ameriprise Financial"). Prior to joining American Express, Melinda worked as an attorney in Oklahoma City for a private law firm and then for the Oklahoma Insurance Department. Melinda's prior experience as an attorney gives her knowledge in some specialty areas of financial planning.

Melinda graduated from the University of Oklahoma with a degree in Political Science in 1985. She graduated from Southern Methodist University School of Law in 1988. She currently holds the Series 7, 9, 10, 24, 63 and 65 security registrations, as well as insurance licenses. Melinda is a CERTIFIED FINANCIAL PLANNER® Professional. She conducts business in Wyoming, Oregon, Oklahoma, New York,Texas, Florida, Iowa, Kansas, Arkansas, California, and Colorado.

Melinda's sons Taylor, Cale, and Cameron keep her very busy.In her spare time, Melinda enjoys reading, skiing, bicycling, watching sports (especially her kids!), church activities, and travel.

Karen Terrellour associate in the Colorado satellite office, is an Investment Advisor Representative with Cetera Advisors LLC. Prior to joining Cetera Advisors in 2014, Karen worked as an Investment Advisor Representative with Voya Financial Advisors (formerly ING Financial Partners) and with American General Securities, Inc. Karen began her career in the financial services industry in 1980 at Neuberger Berman in New York City.  She holds Series 7, 6, 63, and 65 security registrations, and has been licensed for life, health, and disability insurance since 1987.

Karen has lived in or near Breckenridge, Colorado for the past 30 years, and currently conducts business in Colorado, Wyoming, California, Oregon, Texas, and Florida.

When not working, reading, or writing, Karen is most likely to be found biking, skiing, snowshoeing, hiking, camping, or on horseback somewhere in the great outdoors.



Blake Klementour associate at the Frisco, Texas office, is an Investment Advisor Representative with Cetera Advisors LLC. Prior to joining us, she worked as the Vice-President of Investments at Wells Fargo.

Blake holds a Bachelor of Business Administration (B.B.A.) from Southeastern Oklahoma State University. She currently holds the Series 7 and 66 security registrations. 

 In her spare time, she sits on the Board of Trustees for the Resource Center of Dallas, the primary LGBT and HIV/AIDS service organization in North Texas.


Amber Eduvigen has worked in the financial services industry since 1999. She holds a B.B.A. in Business Finance from the University of Central Oklahoma. Amber holds the Series 7, 24, and 66 security registrations and is a licensed insurance producer in the lines of accident, health, life, and variable annuity. Amber is CERTIFIED FINANCIAL PLANNER® Professional and a has earned the FLMI®designation. Amber is registered to do business in Oklahoma, Arkansas, Kansas, and Texas.


Cathy Lantz is a financial representative with several years of experience in the securities and insurance industries. Prior to working in the financial industry, she was the Director of Operations for Integris Health Systems in Enid, OK, and served as Mayor of Fairmont, OK for 18 years. Cathy is registered to do business in Oklahoma.





Jenni Hess has worked with Melinda since the beginning providing caring service to our clients with a high level of integrity.

Paris Barnum assists clients of Blake Klement.