Meet The Team

Kevin Bucher
Financial Advisor & Owner

Kevin Bucher co-founded Citizen Advisory Group in 2006 to help area residents map out and implement successful retirement plans. Kevin is an Investment Advisor Representative under Advisory Alpha—a SEC Registered Investment Advisor—and he has a life and health insurance license in Ohio.

Kevin has earned the Retirement Income Certified Professional (RICP®) designation through the American College and is a five-time Million Dollar Roundtable “Top of the Table” member.

In college, Kevin was a varsity letter holder for the University of Toledo wrestling team, where he earned a Bachelor’s Degree in Education (Mathematics). He is a former high school math teacher in the Toledo Public School system, and he coached high school wrestling in Northwest Ohio for 15 years.

Kevin resides in Whitehouse, Ohio, with his wife, Heather, and their Goldendoodle, Zeke.

Jeff Bucher
Chief Executive Officer & Owner

As Chief Executive Officer and Owner of Citizen Advisory Group, Jeff Bucher is committed to helping area residents retire with confidence.

Jeff’s work in the financial service industry has been award-winning. He is a ten-time Million Dollar Round Table Top of the Table recipient and a Toledo Business Journal’s 20 under 40 award winner. In 2016, Retirement Advisor Magazine named Jeff their National Retirement Advisor of the Year.

Jeff has been invited as a guest on local and national media outlets, appearing on ABC, NBC, Fox, CBS, and Fox Business. Along with his brother and CAG co-founder, Kevin, he is the author of Beyond the Summit: The Hard-Working American’s Retirement Guide.

Jeff was a standout wrestler at The Ohio State University, where he earned an athletic scholarship and honed his leadership skills en route to receiving four varsity letters. A lifelong resident of Northwest Ohio, Jeff has been very active in local charitable organizations. His work resulted in CAG being named on the National Charitable Champion list by Invest in Others, a nonprofit firm dedicated to recognizing the philanthropic efforts of financial service providers.

Jeff resides in Perrysburg, Ohio, with his wife, Sarah, two children, and two miniature schnauzers. He enjoys cooking on his smoker, golfing, reading, and following the Detroit Tigers in his spare time.

Peter Samenuk, CFP®
Financial Advisor, Certified Financial Planner TM

Peter Samenuk, who many know as “Pete,” is a financial advisor with Citizen Advisory Group. Pete is a CFP® professional who has been with the firm since 2010 and has a passion for helping people. Pete is an Investment Advisor Representative under Advisory Alpha—an SEC Registered Investments Advisor. He also holds a life and health insurance license with the state of Ohio.

Pete earned his bachelor’s degree from The Ohio State University in business administration and accounting in 2009.

Outside of attending college in Columbus, Pete is a lifelong resident of Northwest Ohio and a graduate of Perrysburg High School. He and his wife, Brae, welcomed their first child and daughter, Raya, in April of 2022. Pete and his family reside in Perrysburg with their dog Oscar. Pete is the youngest of three brothers and enjoys fishing, cooking, golfing, and spending time with family and friends.

Sean O’Drobinak, RICP®
Financial Advisor

Sean O’Drobinak is a Financial Advisor at Citizen Advisory Group.  He is dedicated to educating the community on financial topics such as taxes and social security. Sean is an Investment Advisor Representative under Advisory Alpha—an SEC Registered Investment Advisor

When joining Citizen Advisory Group, Sean was most excited to keep the customer-centered objectives at the forefront. Sean’s brand resides in F4 (Faith, Family, Fitness, Fiduciary). “The secret to my happiness is focusing on God, my wife and kids, fostering trust in relationships and my health.”

Originally from NW Indiana, Urban Meyer brought Sean to Bowling Green where he played football for the Falcons and was voted Team Co-Captain. Sean now resides in Perrysburg with his lovely bride, Simone, where they have four children. If you see Sean with the top off the Jeep, Simone riding shotgun and the kids in the back jamming out to country around town, be sure to stop and say hello!

Sean is looking forward to serving you and assisting you with all of your needs.

Ron Myers, RICP®
Financial Advisor, Health & Life Insurance

Ron Myers joined Citizen Advisory Group in 2009. He is a licensed Investment Advisor Representative under Advisory Alpha, an SEC Registered Investment Advisor, and a Retirement Income Certified Professional®. Ron is also a licensed Health and Life Insurance Agent in both Ohio and Michigan. Ron supervises our teams Senior Health Insurance operations. Ron brings more than 20+ years of experience in the banking, investment, and insurance industries.

Ron is a graduate of the University of Toledo with a finance degree and proud alumni of Central Catholic High School. He resides in Perrysburg with his wife and three children.

James W. Poling, RICP®
Financial Advisor, Health & Life Insurance

Jim Poling is an Investment Advisor Representative under Advisory Alpha—an SEC Registered Investments Advisor. Jim joined Citizen Advisory Group as a sales representative in 2010. He currently holds the Retirement Income Certified Professional designation and has been a licensed health and life insurance professional since 2005 in both Ohio and Michigan. He enjoys helping people make the best retirement decisions.

A product of Rogers High School, Jim graduated from University of Toledo with a Master of Education in Integrated Social Studies and Kent State University with a Bachelor of Arts in Geography.

Jim enjoys spending time with friends and family, coaching youth sports, traveling, and camping in his free time. He currently resides in Rossford, Ohio, with his wife and kids.

Martin Lopez Tuero, CFP®
Associate Advisor

Martin Lopez Tuero is a CFP® professional. He’s an investment adviser representative under Advisory Alpha and a licensed life and health insurance agent in Ohio.

Martin joined Citizen Advisory Group in 2019. In his role as an account manager and associate advisor, he serves as a focal point for new business into the firm and prides himself in exceeding client service expectations.

Martin previously worked as a licensed broker for Charles Schwab and as a systems engineer for the State of Indiana. He earned a bachelor’s degree in Industrial Engineering from Purdue University in 2014.

A native of Argentina, Martin is passionate about soccer and traveling. He’s an avid reader, a cinephile, and a roller coaster enthusiast.

Benjamin Winne, RICP®
Associate Advisor

Benjamin (Ben) Winne is a licensed Life and Health Insurance representative in the Toledo, Ohio area, focusing on financial and Medicare planning. Ben is an Investment Advisor Representative under Advisory Alpha—an SEC Registered Investment Advisor—and he has a life and health insurance license in Ohio.

Having grown up watching the effects of improper financial planning and decision-making, Ben chose to pursue a career that would allow him to help his community and prevent others from suffering the same circumstances that he had witnessed.

Ben was born in Toledo and raised in Millbury, Ohio, where he still resides today. When not in the office or assisting clients, he enjoys the challenges of outdoor adventure courses, biking, golf outings, cooking, and home improvement projects. Ben is a very active member of his church, Athens Missionary Baptist Church in Walbridge, Ohio, where he serves on the youth leadership team. He enjoys traveling and typically spends most of his vacation budget on local food.

Danielle Goebel
Associate Advisor

Danielle Goebel is an Associate Advisor for Citizen Advisory Group. She came to CAG with ten years of industry experience, earned her bachelor’s degree in business management, has an Ohio life and health insurance license, and is an Investment Advisor Representative for Advisory Alpha. Her role as an Account Manager and Associate Advisor allows her to directly interact with new and existing clients to build personal relationships and exceed their expectations.

Danielle understands that decisions regarding your finances are very personal and scary. That is why she is passionate about making sure her clients are informed and comfortable so they can have the best retirement experience possible.

Danielle was born and raised in Toledo, Ohio, and lives just down the street from her childhood home. When not in the office, she enjoys golfing, reading, traveling, and spending time with her six children and one granddaughter.

Heather Bucher
Account Manager

Heather serves as an Account Manager for Citizen Advisory Group. She services day-to-day paperwork and is responsible for customer success. Heather has amazing attention to detail and is the first person called when something in the office needs fixing, whether it’s a computer issue, broken fixture, or appliance.

Heather grew up in Waterville, Ohio, and graduated from Anthony Wayne High School. She joined CAG after a nearly two-decade career with the YMCA of Greater Toledo. Her passion for customer service earned her many awards throughout her career.

Heather resides in Whitehouse along with her husband, Kevin, and their Goldendoodle, Zeke. She has two children and three grandchildren. She hopes to visit the Redwood Forest and Yellowstone Nation Park someday.

Sarah Bucher
Chief Experience Officer

Sarah Bucher is a Certified Chief eXperience Executive. As Citizen Advisory Group’s Chief eXperience Officer, she leads the family business in helping clients have the best experience possible through their retirement journey.

Sarah is a graduate of The Ohio State University with a Bachelor’s degree in Exercise Science. She has an extensive background in health and wellness, including a highly successful decade as the Director of Healthy Living for the YMCA of Greater Toledo. Sarah is responsible for developing and implementing CAG’s client wellness program, Retire Well.

In 2012, the White House—and First Lady Michelle Obama—honored Sarah by naming her a Champion of Change for developing programs to combat childhood obesity. Sarah is highly involved in the community through the Boys and Girls Club of Toledo, Cherry Street Mission, Mobile Meals of Toledo, Perrysburg Rotary, Perrysburg Chamber of Commerce, and The YMCA of Greater Toledo.

Sarah is also a CX Coach helping other organizations be the brand customers can’t live without and making price irrelevant. Sarah is licensed and trained in the CX Coaching methodology developed by The DiJulius Group, a consulting firm that has worked with world-class brands such as Ritz-Carlton, Chick-fil-A, and Starbucks.

Sarah grew up in Fairfield, Ohio. She now lives and works in Perrysburg, Ohio, with her husband, Jeff, two children, and two miniature schnauzers. In her spare time, you might find Sarah with her family cheering on The Ohio State Buckeyes and Detroit Tigers. Sarah enjoys traveling, drinking wine, exercising, and running on the trails in the beautiful Toledo Metroparks.

Jordan Beach
Director Of Client Relations

Jordan Beach serves as the Director of Client Relations and Events for Citizen Advisory Group. Jordan’s smile and laughter are contagious and light up any room she enters. She ensures that clients and team members have everything needed for all events and workshops.

Jordan grew up in Whitehouse, Ohio. She earned a Bachelor of Musical Arts degree focusing on harp from Vanderbilt University and a second major in Human and Organizational Development. Jordan’s previous position was with the YMCA/JCC of Greater Toledo in membership sales and service. She joined the CAG team in 2016.

Jordan is an avid tennis and pickleball player and enjoys traveling and listening to live music. She currently resides in Waterville, Ohio.

Brian Stephenson
Director Of Communications

Brian Stephenson has served as the Director of Communications at Citizen Advisory Group since 2014. Brian is responsible for communications with clients, designing and overseeing marketing campaigns, managing the website and social media accounts, and assisting with client events and community relations.

Brian earned an undergraduate degree from Bowling Green State University in Sports Management with a Marketing Emphasis. While attending BGSU, he was a member of the Bowling Green State University Rugby team, considered one of the top college rugby teams in the United States. He also earned a Master of Business Administration with a Marketing Specialization from the University of Toledo. At the University of Toledo, Brian was an athletic marketing graduate assistant and assisted with marketing for all of the university’s men’s and women’s sports teams.

Brian enjoys going to sporting events, attending concerts, playing recreational sports, and visiting the Lake Erie Islands in his spare time. Brian grew up in Sandusky, Ohio (home of Cedar Point and the movie “Tommy Boy”). He resides in Perrysburg.

Kendyl Saffran
Advisor Assistant

Kendyl Saffran is a dedicated Advisor’s Assistant at Citizen Advisory Group, leveraging her degree in marketing and sales to support financial advisory services. Since entering the financial industry shortly after graduation, Kendyl has developed a strong foundation in client relations and operational efficiency. She enjoys working closely with experienced advisors, benefiting from their mentorship and guidance. Kendyl is an Advisors Assistant under Advisory Alpha—an SEC Registered Investment Advisor—

Outside of her professional endeavors, she enjoys golfing, walking, traveling, and discovering new restaurants. Kendyl values the importance of friendships and family, which enriches her personal and professional life. Whether it’s sharing a meal with loved ones or engaging in conversations, these connections provide her with a sense of joy that inspires her in all aspects of her life.

Madilyn Makowski
Advisor Assistant

Madilyn is an Advisor Assistant at Citizen Advisory Group. She services our client’s financial accounts and ensures that Associates and Advisors have everything needed to put the clients’ financial plans into action! Madilyn is an Advisor Assistant under Advisory Alpha—an SEC Registered Investment Advisor.

Madilyn grew up in Oxford, Michigan, and graduated from Oxford High School, partaking in the International Baccalaureate program. She then attended Central Michigan University, as a Minuteman Scholarship recipient, sponsored by the Michigan National Guard. Madilyn joined us in 2024 following her enlistment in the Michigan National Guard, and experience working as an Executive Assistant. She is looking forward to furthering her education and financial licensing as her career develops!

Madilyn resides in downtown Toledo along with her partner, Austen. They have a Blue Heeler named Olive, and two black cats named Louis and Sage. In her free time, Madilyn is a home chef, tennis player, and motorsports enthusiast.

INVESTMENT Team

Steve Osterink, Jr., CFA, CFP®, AIF®
Chief Investment Officer

As Chief Investment Officer, Steve brings nearly two decades of experience to our team as well as extensive knowledge of personal finance and asset management, as evidenced by his CFA®, CFP®, and AIF® designations.  He not only leads the Investment Team, but also is the driving force behind much of our development and innovation. Steve authors our Market Review, various educational videos and whitepapers, and investor education materials. He is passionate about educating investors and effectively communicating complex financial matters in a simplified manner that addresses common misconceptions. He is constantly creating new resources and methods to improve the financial advice delivered to investors as well as helping financial advisors to better serve their clients.

Jon Lohr, CFA, CFP®
Research Director
Nick Heinrich, CFA, CFP®
Financial Planning Director
Brian Kragt
Operations Director
Janine Osterink
Chief Compliance Officer
Mike Baker
Technology Director
Content