Meet the professionals who can help you Pursue Your Goals
We guide individuals and families toward their ideal retirements.
Meet the Team
Carrico Financial Group is made up of qualified financial professionals who are passionate about helping individuals and families achieve their ideal retirements.
Ken Carrico, ChFC®, RICP®, CLU® Owner & Financial Advisor
Ken started Carrico Financial in 1979, after deciding to pursue a career in financial services following an internship during his senior year of college. He was inspired by the veteran advisors who not only enjoyed success but expressed true enthusiasm for their profession even after several decades of work.Early on, Ken discovered he looked forward to getting to know people and finding out what made them tick. As an advisor, he applies years of knowledge and experience as he assists clients in planning for the future. He truly enjoys the discovery process, followed by the research to bring each individual and family the best set of recommendations.“My greatest satisfaction is knowing we did a thorough job,” Ken said. “I enjoy knowing that we’ve positioned the client in the best place we could to achieve their goals and minimize their biggest risks for failure.”Ken earned his bachelor’s degree in business from the University of Illinois Springfield. He holds the Chartered Financial Consultant®, Retirement Income Certified Professional®, and Certified Life Underwriter® designations. He is a member of the Society of Financial Service Professionals and the Financial Services Institute and is a past president of the National Association of Insurance and Financial Advisors.Ken and his wife have been married for more than 40 years, and they have three children: Rachel, Alicia and Bradley. Ken enjoys spending as much time as he can with his grandson and considers any time with family priceless. He also enjoys traveling, golfing and hiking.
Crystal Spinner
Crystal joined Carrico Financial Group in 2019. After taking some time away during the pandemic, she returned to Carrico Financial in 2023. Crystal’s passion is displayed through her hard work in assisting Ken Carrico with clients’ financial planning.
Crystal holds a Bachelor of Science in business administration from Webster University and a Master of Management from Fontbonne University. She currently holds both her life and accident/health insurance licenses.
Originally born and raised in St. Louis, Missouri, Crystal moved to Smithton, Illinois, in 2015, where she currently resides with her husband, Scott, their three daughters, Madison, Allison and Naomi, and their two golden retrievers, Pippen and Harper.
Away from the office, Crystal enjoys spending time with her husband, kids and dogs, playing sports, traveling and watching/coaching her daughters in various sports and activities.
“True dedication, passion and hard work toward your goals helps to reach the path of success.”
“It is beautiful when both a career and a passion mold together.”
Cherie Hearn Director of Operations
Cherie uses her passion for helping others and attention to detail to ensure that Carrico Financial Group’s operations run efficiently, and the firm’s clients are well served.
Cherie joined Carrico Financial Group in 2022, after moving to Columbia Illinois. She had previously worked for Archer Daniels Midland Company in Decatur, Illinois for 20 plus years in their Commodity Trading Position Reporting Team, auditing daily trading activity with the Chicago Board of Trade.
When Cherie isn’t assisting clients or working in the office, she enjoys spending time with her husband Kevin and blended family of 3 sons, one daughter and 3 grandchildren. She loves to travel, golf, visit wineries, supporting the St Louis City Soccer games and hanging out with friends.
Ready to take The Next Step?
For more information about any of our products and services, schedule a meeting today or register to attend a seminar.
