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Who we are

Who We Are

Acumen Wealth Advisors provides customized, active asset management integrated with financial planning. Our team helps successful families achieve their financial objectives through education, leveraging the latest technology, strategic planning, and frequent communication to build trust and strong client relationships. These fundamentals allow our clients to feel informed, confident, and secure.

We understand financial planning is a verb and not a noun. We engage our clients as their plans are executed and evolve. Acumen’s commitment helps successful families stay successful.

Acumen Wealth Advisors is an independent fee-based asset management firm based in downtown Chattanooga, Tennessee. Established in 2012 Acumen is a Registered Investment Adviser (RIA) and is committed to the fiduciary standard in which we always act in our clients’ best interest. We are proud of the prudent and trusted investment and financial planning guidance our advisors provide to successful families. We encourage you to reach out to our team so we can demonstrate our innovative and transparent client-centric experience.

Reese Veltenaar, CFP®, MAcc, CTFA

Wealth Strategist, Managing Partner

Reese Veltenaar, CFP®, MAcc, CTFA

<p></p> <p>Reese founded Acumen Wealth Advisors when he realized the continuing need for innovative and transparent client-centric asset management integrated with financial planning. Reese provides strategic leadership, planning, and broad executive management to the firm's strategic objectives and is a member of the Portfolio Management Committee.</p> <p>As a Certified Financial Planner (CFP®) and with a background in accounting, Reese assembles financial plans and monitors changes as clients’ lives progress. He helps clients reach their long- and short-term financial goals by discussing investment strategies, estate planning considerations, risk management protection through insurance, tax efficiency strategies, charitable intent, and retirement accumulation and distribution tactics. Reese listens, thoroughly explains details, and encourages conversation to help clients feel engaged and important.</p> <p>Reese holds a Bachelor of Science in Finance from the University of Florida, a Master of Science in Accounting from the University of Tennessee at Chattanooga, an International Baccalaureate (IB) degree, a life insurance license, is a Certified Trust and Financial Advisor (CTFA) and an honors graduate of Cannon Trust School. Reese has also been recognized as a member in InvestmentNews’ 2017 40 Under 40 class for his accomplishments, contributions, leadership, and promise in the financial planning industry.</p> <p>Reese served as Vice President and Relationship Manager for Trust and Private Banking at Regions Bank for ten years and received multiple Chairman’s Club awards. This award honors the top ten percent of associates across 16 states and is the company’s top annual performance recognition. Reese is passionate about charitable planning and has served as a Hospice of Chattanooga Foundation Board Member for six years, two of which he served as Chairman of the Board. Reese is also a member of the Chattanooga Estate Planning Council.</p> <p>The Certified Financial Planner (CFP®) certification is obtained by completing an advanced college-level course addressing the financial planning subject areas the CFP board’s studies have determined as necessary for the competent and professional delivery of financial planning services, a comprehensive certification exam (administered in ten hours over a two-day period) and agreeing to be bound by the CFP board’s standard of professional conduct. As a prerequisite, the IAR (Investment Adviser Representative) must have a bachelor’s degree from a regionally accredited United States college or university (or foreign university equivalent) and have at least three years of full-time financial planning experience (or equivalent measured at 2,000 hours per year). This designation requires 30 hours of continuing education every two years and renewing an agreement to be bound by the standards of professional conduct.</p> <p>The Certified Trust and Financial Advisor (CTFA) certification is obtained by successfully completing an exam administered by the American Bankers Association (ABA) Institute of Certified Bankers (ICB). As a prerequisite to sit for the exam, individuals must meet one of the following requirements: three years of wealth management experience and complete an ICB-approved training program; or have five years of wealth management experience and a bachelor’s degree; or ten years of wealth management experience. Wealth Management Experience is defined as direct client contact in the various facets of delivering financial planning and fiduciary services relating to trusts, estates, IRAs, and individual asset management accounts. This designation requires 45 continuing education credits every three years with a minimum of six hours in each of the four knowledge areas. The Cannon Trust School program is designed to facilitate the planning, implementation and administration of complex trusts including gift and estate taxes, advanced generation skipping, fiduciary income tax, and split interest and charitable trusts.</p>
Amy Stone, IACCP®

Chief Operations and Compliance Officer, Partner

Amy Stone, IACCP®

<a></a> <p>Amy is responsible for thoughtful leadership and helps guide the firm by ensuring client needs are placed first. She develops, monitors, and manages Acumen’s operational programs and ensures all activities meet regulatory requirements. Amy has more than a decade of experience in finance where she emphasizes efficient service and assists clients in finding solutions to their unique needs.</p> <p>Amy is a senior manager and provides guidance to executives and employees to adhere to a high fiduciary standard of applicable rules and regulations. She is the primary liaison with legal and regulatory bodies on compliance-related issues. Among other duties, Amy has direct responsibility for cyber security, the firm’s supervisory policy, and administrative workflows. She is a member of the Portfolio Management Committee where she works to help research and implement the firm’s tactical allocation to managers and leverages technology to monitor the client’s underlying investments.</p> <p>Amy earned an Associates’ Degree in Accounting from Georgia Northwestern Technical College. She was awarded a full scholarship to DeVry University where she acquired a Bachelor of Science in Management graduating Summa Cum Laude. Amy holds the FINRA Series 9 and 10 (General Securities Sales Supervisor), 66 (Uniform Combined State Law Examination) and life insurance licenses. She is a designated Investment Adviser Certified Compliance Professional® (IACCP®). Amy completed a comprehensive program that formalizes and standardizes the knowledge, skills, and ethical commitment of investment advisory compliance professionals. She is responsible with helping to both maintain an ethical compliance culture at Acumen Wealth Advisors and advance compliance as a profession. Amy is married with two daughters. Augusta attends the University of Georgia, plays the trumpet for the Redcoat Marching Band, and contributes to the Red and Black school paper. Blakely attends Gordon Lee High School. Amy is a member of the Gordon Lee Band Boosters and enjoys volunteering for Blakely’s marching band.</p>
Beth Tremaine

Chief Investment Officer, Partner

Beth Tremaine

<a></a> <p>Beth, having more than 35 years of finance experience, oversees all activities related to Acumen’s investment decisions. These responsibilities include due diligence, research, evaluation, strategic and tactical asset allocation decision-making, and aligning the investment selections with each individual client’s investment goals. Beth, along with the Portfolio Management Committee, develops, implements, executes, and communicates all aspects of Acumen’s investment strategy. She works closely with clients to identify their proper asset allocation taking into consideration their goals, time horizon, risk tolerance, appropriate growth, and income targets as well as considering tax implications. Beth communicates with her clients to keep them informed about domestic and international trends and events and the impact on their portfolios.</p> <p>Beth earned a Bachelor of Science with Honors in Business Administration from Upper Iowa University. She served as Vice President and Portfolio Manager for Private Wealth Management at Regions Bank in East Tennessee, North Carolina, and Iowa and received the Chairman’s Club award for seven consecutive years. This award honors the top ten percent of associates across 16 states and is the company’s top annual performance recognition. Beth served on the Investment Strategy Committee and chaired both the Asset Allocation Committee as well as the Best Practices Committee at Regions Bank. She also holds the FINRA Series 65 (Uniform Investment Advisor Law Exam) license.</p> <p>Beth is a devoted community supporter and has volunteered for several organizations including Junior League, American Cancer Society, Rotary International, American Red Cross, Covenant Hospital Foundation, Reading and Recording for the Blind and Dyslexic, and Cancer Support Community. </p>
Cheryl Tynan, CRSP®

Institutional Relationship Manager, Partner

Cheryl Tynan, CRSP®

<a></a> <p>Cheryl coordinates investment policy statements with underlying investments and educates executives, committees and employees about their 401(k) plan and the importance of saving for retirement. Cheryl is a Certified Retirement Services Professional (CRSP®) and a Cannon Honors Graduate in the Retirement Plan Services school curriculum. To graduate with honors, it is required to score 90% or better on each Cannon exam and to pass the American Bankers Association certification exam. Cheryl is also a Certified Financial Education Instructor who encourages retirement participants to take positive action toward their financial well-being.</p> <p>Cheryl worked in the banking industry and earned several Chairman’s Club awards when she was Vice President and Branch Manager at Regions Bank for over ten years. This award honors the top ten percent of associates across 16 states and is the company’s top annual performance recognition. She studied business administration at the University of Alabama.</p> <p>Cheryl takes pride in her four children and emphasized the importance of education. Two children graduated from Clemson University, one from James Madison University and one graduated from both Furman and Duke University. She is a founding member of the Signal Mountain Business Association and served as Treasurer for three years.</p>
Jerome You

Private Client Relationship Manager

Jerome You

<a></a> <p>Jerome, with several years of experience, brings a refreshing perspective when integrating technology with sophisticated financial planning. He is responsible for developing and strengthening relationships with a focus on enhancing their client experience. Jerome serves as the personal point of contact for clients and assists with their various needs, processes client requests, researches and analyzes financial information and delivers reports and presentations for client meetings. He also collaborates with Acumen’s Chief Investment Officer, Chief Compliance Officer, and Wealth Strategist to coordinate resources of the firm for the benefit of the client. Jerome emphasizes timeliness, efficiency, and accuracy while always committed to the fiduciary standard.</p> <p>Jerome worked as a relationship banker at FSG Bank where he focused on creating and cultivating positive relationships with new and existing clients. He managed a platform team to maximize effectiveness and was a champion for new business growth. Jerome holds the FINRA Series 65 (Uniform Investment Advisor Law Exam) license.</p> <p>Jerome received a Dual Seal Diploma in high school and studied English literature at Kennesaw State University. He taught English at Cheongdo Elementary School in South Korea with TaLK (Teach and Learn in Korea) where he earned an award for Model Lesson Planning. Jerome then worked as an English grammar and literature tutor for Chattanooga area private high school students, specializing in standardized testing and has been a mentor for students at Battle Academy in Chattanooga. Originally from New York City, Jerome is enamored with all the beauty and activities Chattanooga offers, participating in outdoor activities such as hiking and rock climbing and supporting local teams including the Chattanooga Lookouts and the Chattanooga Football Club.</p>
Julie McLain

Private Client Relationship Manager

Julie McLain

<p>Julie is responsible for developing and strengthening relationships with a focus on enhancing their client experience. She serves as the personal point of contact for clients and assists with their various needs, processes client requests, researches and analyzes financial information and delivers reports and presentations for client meetings. Julie also collaborates with Acumen’s Chief Investment Officer, Chief Compliance Officer, and Wealth Strategist to coordinate resources of the firm for the benefit of the client. Julie emphasizes timeliness, efficiency, and accuracy while always committed to the fiduciary standard.</p> <p>Julie has focused on client service for nearly 20 years with the last 11 years as a Trust Advisor Assistant at Pinnacle Bank and Regions Bank. She served as a liaison in coordinating all aspects of account management and maintenance from expenses and gifting to tax returns and estate administration. Previously, Julie was a personal assistant in a private physician practice for seven years. Her role involved communications, presentations, and planning. She was dedicated to supporting the physicians, so they could focus on caring for their patients. Julie takes great pride in building trust and respect by embracing challenges and finding solutions for clients.</p> <p>Julie earned a Bachelor of Science in Human Ecology from the University of Tennessee at Knoxville. Her passion is making every day count and finding happiness. She is a people person and loves to find ways to connect with those around her. Julie’s greatest source of joy is her daughter, Jenna, who is attending Lee University.</p>
Arie Veltenaar, MBA

Client Ambassador

Arie Veltenaar, MBA

<a></a> <p>Arie proactively communicates Acumen’s mission to clients and continuously engages clients to enhance the client experience. She works with Acumen’s marketing and digital teams to ensure Acumen’s core values are strengthened and communicated. Arie ensures the firm provides timely and relevant communications to its clients and leads Acumen’s community involvement and support in alignment with the firm’s mission.</p> <p>Arie has a background in accounting and banking with Fortune 500 companies. She is a seasoned fundraising and event planning professional with nearly fifteen years of experience in the non-profit industry supporting organizations including the University of Florida Alumni Association, Hospice of Chattanooga, the Craniofacial Foundation of America, and LAUNCH: an organization providing business training and resources to underserved entrepreneurs. Arie actively supports many charitable organizations in the Chattanooga community with a passion for and focus on education.</p> <p>Arie earned a Bachelor of Science in Finance from the University of Florida and a Master of Science in Business Administration from the University of Tennessee at Chattanooga. She co-authored a publication in Today’s CPA Magazine with her UTC Estates, Gifts and Trusts professor, Dr. Joanie Sompayrac, in March 2008 called Minimizing the Impact of the Federal Estate Tax on Family Farms: A Continuing Issue. Arie is the recipient of the 2009 Hospice of Chattanooga Foundation Volunteer of the Year Award. She belongs to the University of Tennessee at Chattanooga’s College of Business C-Suite, Chattanooga Women’s Leadership Institute, the Signal Mountain Business Association, and is a member of the Mountain Education Foundation’s fundraising committee.</p>
Thomas Blewett

Treasurer

Thomas Blewett

<a></a> <p>Tom brings entrepreneurial business experience to Acumen Wealth Advisors. He enjoys working with clients, maintains accounting records and assists with income tax planning and prepares financial statements. Tom understands the demands and risks associated with small businesses.</p> <p>Tom formed and operated his own successful company in South Florida, Blewett Paving and Sealcoat, for ten years. He served as a radioman in the Philippines for the United States Navy and served one year with Operation Deep Freeze in Antarctica at McMurdo Station.</p> <p>Tom graduated with a Bachelor of Science in Environmental Design from the University of Oklahoma. He is actively involved with the Signal Mountain Lions Club and is a member of the Signal Mountain Business Association.</p>

The Form ADV

Independent Registered Investment Advisers (RIAs) are required to publicly disclose details about their firm and register with both the Securities and Exchange Commission (SEC) and state securities authorities by filing a Form ADV. The Form ADV consists of two parts.

Form ADV, Part 1 describes an adviser’s business, ownership, clients, employees, business practices, affiliations, compensation, and any disciplinary history of the adviser or its employees.

Form ADV, Part 2 describes an adviser’s offered services, fee schedule, conflicts of interest, and the educational and business background of the adviser's management and key advisory personnel.

Things to check on Form ADV:

  • Type of Business
  • Assets under management
  • Affiliations with other financial services companies
  • Services offered
  • Disciplinary history

RIAs are required to provide a summary of material changes to clients annually. When hiring an independent adviser, request and read thoroughly both parts of the adviser’s Form ADV. You may review an adviser's Form ADV, including Acumen’s, on the Security and Exchange Commission’s Investment Adviser Pubic Disclosure (IAPD) website at https://adviserinfo.sec.gov.