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.

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.

Jennifer Gale Jones is a Financial Advisor with Cetera Advisors, LLC.  Jennifer worked with Investors Capital Corporation from 2007 until its merger with Cetera Advisors, LLC. in 2016.  From 2001 thru 2007,  Jennifer worked with the Tulsa MassMutual agency and its broker dealer, MML Investors Services Inc. She lived and worked in the Philadelphia area from 1987 thru 2001 and during that time began her securities practice with Merrill Lynch in 1990. She moved on to Wheat First Butcher Singer (now Wells Fargo) and finally, Paine Webber. Her mainstay has always been comprehensive financial advice and planning. She continues to represent MassMutual as a brokered agent, a relationship which began in Tulsa in 1986, and expanded to include Philadelphia’s Flanagan agency beginning in 1987.

Jennifer graduated from The University of Tulsa with a degree in Business Management in 1985.  She currently holds the Series 7 and 63 security registrations, along with life, health, and disability insurance licenses in several states. She has earned the AAMS, Accredited Asset Management Specialist designation, and is an Investment Advisor Representative, IAR.

Jennifer has been on the boards of Indian Health Care Resource Center in Tulsa, Special Olympics in Philadelphia, and has been a notable fundraiser for Tulsa Ballet Theatre, Pennsylvania Ballet, and Philadelphia Orchestra. She is also a member of the NFL Alumni thru association with the Philadelphia Eagles, which supports several charitable organizations. Church, family, and fitness, and an ongoing enthusiasm for travel and continuing education are her cornerstones.

Jennifer's primary office location and contact information is:

The Red Knot at Edinburgh

1909 Starling Street #410

Chesapeake, VA 23322

Mobile 918.271.0160

Toll free 877.814.6546


Cale Olbert 

Cale is a financial planner with Cetera Advisors LLC. He joined the firm full time in June of 2017 after graduating from Texas Tech University with a Master of Science in Personal Financial Planning. Prior to Texas Tech, Cale earned a Bachelor’s degree in Finance from the University of Oklahoma. During his time at university he was involved with several organizations including toastmasters, PFPA, and Econ club. While at the University of Oklahoma he was a member of the student investment fund. He has passed the Certified Financial Planner (CFP®) exam as of March 2018. He currently works with advisors doing investment research and asset allocation as well as working with our younger clients.

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. 


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.


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