Abundance knows. We know your family: the here and now, the next generation…and the next. We seek to understand your complete wealth picture so we can manage—and maximize—your collective wealth. Protecting you. Protecting them. Estate plans, wealth transfers, taxes, asset protection, succession, investments, and banking. At Abundance, we not only design your strategies, we also manage them so they work as designed. We bring them all together to optimize outcomes for you and those you care about. Based on your goals, your dreams.

As the times of your life change, your focus shifts and your goals evolve. More often than not, life gets more complicated. For whatever lies ahead, our financial planning team is dedicated to helping you preserve the success you’ve spent a lifetime creating. We want to understand the challenges you face and the values you want to protect, so we can help create a plan that’s right for you. Kooman & Associates, LLC (“K&A”) is an SEC registered investment adviser located in Altoona, Pennsylvania. A copy of our written disclosure brochure discussing our advisory services and fees is available upon request.

Founded in 1962 and a public company since 1983, Raymond James Financial, Inc. is a Florida-based diversified holding company providing financial services to individuals, corporations and municipalities through its subsidiary companies engaged primarily in investment and financial planning, in addition to capital markets and asset management. The firm's stock is traded on the New York Stock Exchange (RJF). Through its three broker/dealer subsidiaries, Raymond James Financial has approximately 8,700 financial advisors throughout the United States, Canada and overseas. Total client assets are $1.26 trillion (as of 10/25/2023). Raymond James has been recognized nationally for its community support and corporate philanthropy. The company has been ranked as one of the best in the country in customer service, as a great place to work and as a national leader in support of the arts.

We help people build the foundation for a stable retirement. Securities offered through Avantax Investment Services℠ Member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services℠ Insurance services offered through an Avantax affiliated insurance agency. www.finra.org www.sipc.org Please visit www.avantax.com/social_policy/ for more information.

Horace Mann was founded in 1945 by two educators in Springfield, Ill., who believed teachers deserved affordable auto insurance. Originally called the Illinois Education Association Mutual Insurance Company, our name was changed to honor the father of the American public education system, Horace Mann. We are proud to share his name. At Horace Mann, the hard work, commitment and dedication of our employees are the foundation of our success. And today we are the largest, national multiline insurance company dedicated to serving America’s educators and their families. Our purpose is to provide lifelong financial well-being for educators and their families through personalized service, advice, and a full range of tailored insurance and financial products. Through our professional agents and their staff, we offer insurance and financial products to the educational community across the United States. Horace Mann offers auto, homeowners and life insurance, retirement annuities, and other financial solutions to educators and their families. We also proudly support our nation’s educators through recognition programs and classroom funding opportunities through DonorsChoose.org. If you respect the teaching community and feel you can help us take care of educators'​ futures, choose the path you’d like to explore at http://www.horacemann.com/about-us/careers.