Patricia Lloyd, CPA, CFP®, MBA
Patricia Lloyd is the Founder of Ardent Wealth Management, where she specializes in helping successful individuals, families, and business owners navigate the complexities of wealth management through a coordinated Fractional Family Office approach.
With a unique background combining accounting, financial planning, and business strategy, Patricia brings a comprehensive perspective to retirement planning, tax mitigation, investment management, estate coordination, and multi-generational wealth planning. Her mission is to help clients make confident financial decisions while reducing unnecessary complexity and aligning every aspect of their financial lives.
As both a Certified Public Accountant (CPA) and CERTIFIED FINANCIAL PLANNER® professional, Patricia understands that effective wealth management extends far beyond investment performance alone. She works closely with clients and their professional teams to integrate tax-efficient strategies, retirement income planning, legacy considerations, and risk management into a cohesive long-term plan.
Patricia founded Ardent Wealth Management to provide families with access to the type of sophisticated coordination traditionally available only through large family offices—while maintaining the personal relationships and individualized attention clients deserve.
She is particularly passionate about helping retirees and business owners:
Create tax-efficient retirement income strategies
Preserve and transfer wealth intentionally
Coordinate financial, tax, and estate planning decisions
Prepare future generations for financial stewardship
Simplify complex financial lives
Patricia earned her MBA and has built her career around educating and empowering clients through transparency, strategic planning, and long-term partnership.
At the center of Patricia’s philosophy is a belief that wealth should support not only financial security, but also family legacy, purpose, and peace of mind.
Matthew Gusky
Matthew Gusky is a financial professional dedicated to helping individuals, families, and business owners navigate the complexities of wealth management through thoughtful planning, strategic coordination, and long-term relationship-based advice.
As part of the team at Ardent Wealth Management, Matthew works closely with clients to develop personalized strategies focused on retirement planning, investment management, tax-efficient wealth accumulation, and legacy preservation. He believes financial planning should be proactive, educational, and centered around each client’s unique goals and values.
Matthew is passionate about simplifying complex financial decisions and helping clients gain clarity and confidence about their future. His approach emphasizes collaboration and coordination across all aspects of a client’s financial life, including investments, tax considerations, estate planning, risk management, and retirement income strategies.
Working within Ardent’s Fractional Family Office model, Matthew helps clients move beyond fragmented financial advice by supporting a more integrated and comprehensive planning experience. He understands that successful wealth management is not only about growing assets, but also about protecting wealth, minimizing inefficiencies, and preparing future generations for financial stewardship.
Clients appreciate Matthew’s approachable communication style, attention to detail, and commitment to building long-term trusted relationships. He is dedicated to helping families create financial strategies that align with both their immediate needs and long-term legacy goals.
At Ardent Wealth Management, Matthew remains focused on delivering thoughtful guidance designed to help clients preserve what they have built while creating lasting financial confidence for generations to come.
Matt Kester
Matt Kester is a dedicated financial professional committed to helping individuals, families, and business owners navigate life’s financial complexities with confidence and clarity. As part of the team at Ardent Wealth Management, Matthew focuses on delivering thoughtful, relationship-driven guidance through the firm’s comprehensive Fractional Family Office approach.
Matt works closely with clients to develop personalized strategies that integrate investment management, retirement planning, tax-efficient wealth strategies, risk management, and legacy planning. He believes financial planning is most effective when every aspect of a client’s financial life is coordinated and aligned with their long-term goals and values.
Known for his client-centered approach and strong attention to detail, Matt is passionate about helping clients simplify complex financial decisions and feel more confident about the future they are building. He values education and transparency, taking the time to ensure clients understand both the opportunities and challenges involved in their financial planning decisions.
Through Ardent’s Fractional Family Office model, Matt helps families move beyond traditional investment management by emphasizing coordination among financial, tax, insurance, and estate planning strategies. His goal is to help clients preserve wealth, improve financial efficiency, and create meaningful long-term legacies for future generations.
Matt is especially passionate about helping clients:
Prepare for retirement with confidence
Develop tax-aware financial strategies
Coordinate financial and estate planning decisions
Protect and preserve family wealth
Build long-term financial clarity and organization
Clients appreciate Matt’s approachable communication style, professionalism, and commitment to building trusted long-term relationships rooted in service and integrity.
At Ardent Wealth Management, Matt remains focused on helping clients make informed decisions that support not only financial success, but also family legacy, purpose, and peace of mind.
Debra Reed
Debra Reed is an experienced accounting and bookkeeping professional who provides dependable financial support and operational organization for Ardent Wealth Management and its clients. With a strong foundation in bookkeeping, financial reporting, and administrative coordination, Debra helps ensure the accuracy, efficiency, and day-to-day financial organization that are essential to delivering a high level of client service.
Known for her attention to detail and commitment to accuracy, Debra plays an important role in maintaining organized financial processes and supporting the firm’s overall operations. Her thoughtful and methodical approach helps create a seamless experience for both clients and team members alike.
Debra understands that effective financial management begins with strong organization and reliable systems. She takes pride in helping support the firm’s mission of delivering coordinated financial guidance through Ardent’s Fractional Family Office approach.
Clients and colleagues appreciate Debra’s professionalism, consistency, and approachable personality. She is dedicated to providing responsive support while helping maintain the trusted relationships and service-oriented culture that define Ardent Wealth Management.
As part of the Ardent team, Debra remains committed to helping support families, individuals, and business owners as they pursue greater financial clarity, confidence, and long-term success.
Amy Cardinale
Amy Cardinale serves as a key member of the Ardent Wealth Management team, where she plays an integral role in client relationships, financial planning support, and day-to-day coordination within the firm’s Fractional Family Office model.
As Patricia Lloyd’s trusted right hand, Amy is deeply involved in helping ensure clients receive a seamless, organized, and highly personalized experience. She works closely with clients throughout the planning process, helping coordinate communication, support financial planning initiatives, and maintain the high level of responsiveness and care that defines the Ardent approach.
With a strong focus on relationship management and client service, Amy is passionate about building meaningful connections with the families and individuals Ardent serves. Clients appreciate her approachable personality, attention to detail, and genuine commitment to helping them feel informed, supported, and confident throughout every stage of their financial journey.
In her role as a paraplanner, Amy assists with the preparation and organization of comprehensive financial strategies involving retirement planning, tax-efficient wealth planning, estate coordination, and investment management. Her collaborative approach helps ensure that financial plans are thoughtfully implemented and aligned with each client’s long-term goals and priorities.
Amy believes that successful financial planning is built on trust, communication, and proactive support. She takes pride in helping clients navigate financial complexity while contributing to the coordinated planning experience Ardent Wealth Management strives to provide.
As part of the Ardent team, Amy remains dedicated to helping clients and their families pursue greater financial clarity, organization, and long-term peace of mind through thoughtful service and relationship-centered care.
D. Jeffrey Craven
D. Jeffrey Craven is an attorney experienced in estate planning and business law, helping individuals, families, and business owners navigate complex legal and financial decisions with clarity and confidence. As a trusted strategic partner within Ardent Wealth Management’s Fractional Family Office network, Jeff works closely with clients to help protect assets, structure businesses effectively, and preserve family legacies for future generations.
With experience in estate planning, Jeff assists clients with the development and coordination of wills, trusts, powers of attorney, business succession plans, and wealth transfer strategies designed to align with each family’s long-term goals and values. He understands that thoughtful legal planning is about more than documents alone—it is about creating clarity, minimizing unnecessary complications, and helping families maintain control over the future they envision.
In addition to estate planning, Jeff advises business owners on a wide range of legal matters involving business formation, governance, succession planning, and strategic transitions. His practical and solutions-oriented approach helps entrepreneurs and professionals navigate important business decisions while keeping long-term legacy and risk management considerations in focus.
Jeff is known for his ability to simplify complex legal concepts and provide clients with thoughtful guidance tailored to their unique circumstances. He values collaboration and works closely alongside financial advisors, accountants, and other professionals to help ensure clients receive coordinated and comprehensive advice.
Clients appreciate Jeff’s professionalism, attention to detail, and commitment to building long-term trusted relationships grounded in integrity and personalized service.
Through his work with Ardent Wealth Management and its clients, Jeff remains dedicated to helping families and business owners create legal and estate strategies that support financial confidence, family continuity, and lasting legacy planning.
