Firm

Abundance is an investment advisory firm, established by Richard DeFluri in 2001 because there was something missing in the industry. Clients lacked coordination between their accountant, attorney, financial advisor and other specialists on whom they relied. While each advisor may have done a good job in their area, the client was being underserved. Abundance, as an investment advisor and a fiduciary to its clients, set out to fill that void by providing holistic advice and coordinating with other advisors. The result is that the client can be optimally positioned to accumulate, utilize, and pass along wealth.

We work with you, our client, to fully understand you and your financial picture, and then work with your outside advisors to implement a holistic wealth strategy. We understand that life isn’t static and your wealth planning should move with the person for whom it is designed. For that reason, once the plan is put into place, it is reviewed periodically to make sure that it still applies to your situation.

At Abundance, we handle the administrative details, so that you can focus your energy and attention on what you do best and enjoy your free time, knowing that as a fiduciary, we’re working with your best interest in mind. Abundance consists of experienced professionals, whose first focus is the client. To find out more about who you are working with, please select the name in the list below.

  • OLYMPUS DIGITAL CAMERAChief Operating Officer

    Abundance depends on Cheryl Bartram to ensure that every aspect of the business runs smoothly. A seasoned financial services veteran, she manages the day-to-day operations of the firm, setting policies; working on trust, loan, and account administration; and interacting with Abundance 3rd party partners. Cheryl maintains the corporate financial books and records of Abundance and its related entities and is also responsible for attracting, training, and retaining new team members.

    • B.S. in business administration from Elizabethtown College, concentrating in accounting and management
    • Graduated from the Central School of Trust and Investment Management

  • OLYMPUS DIGITAL CAMERAChief Investment Officer

    The manager of the Abundance investment department, and chair of the investment committee, Geoff has worked in the financial services industry since 1992. He has extensive experience in equity and option trading, fixed income, portfolio management, risk management, financial planning, and compliance. He leverages that expertise to serve clients while overseeing research and trading for both individual clients and retirement plans.

    • B.S. in operations management from the University of Arizona
    • Graduated with honors from the Central Atlantic School of Trust and Investment

    Management

    • Life, accident, and health insurance licensed
    • Accredited Investment Fiduciary® (AIF®)

  • OLYMPUS DIGITAL CAMERASupervisor & Executive Administrator

    A 20-year veteran of the financial services industry, Laurie Capparelle has become invaluable to Abundance, serving as the concierge for clients. She coordinates clients’ support between the principal and client relationship managers, facilitating teamwork and cohesion. Laurie is the first person clients consult when they have administrative questions, need to schedule meetings, or require assistance from a team member. Laurie also manages the calendar, travel arrangements, and other necessities of the firm’s principal. Clients know her well and have come to depend on her friendly approach and enthusiasm.

  • OLYMPUS DIGITAL CAMERAPrincipal, Wealth Counselor

    The founder of Abundance and architect of the holistic method of serving his clients (known as the Six Steps of Wealth Wisdom), Dick DeFluri is peerless in his knowledge of estate planning, asset protection, and sound wealth management. Connected to a vast network of individuals and organizations, Dick is a nationally respected financial services leader. He has presented seminars on asset allocation, security selection protocol, hedge fund analysis, and sophisticated estate and asset protection planning techniques, is a member of several professional and philanthropic organizations, and is the author or contributing author of several books.

    • B.S. in business administration from The Pennsylvania State University
    • Accredited Investment Fiduciary®
    • Certified Investment Management Consultant (CIMC)
    • Registered Financial Consultant (RFC)
    • Life, accident, and health insurance licensed
    • Admitted into the NFL Players Association Financial Advisors Program as a Registered NFL Players Association Financial Advisor

    Memberships

    • Financial Planning Association
    • National Association of Life Underwriters
    • Association for Advanced Life Underwriters
    • The Professional Business and Financial Network

    Board Membership

    • Penn State University Libraries Development Advisory Board
    • Aqua Penn Spring Water Corp. (past)
    • Nittany Health Care Corp. (past)
    • Aris Corp. (past)
    • Penn State University Athletic Committee Board of Advisors (past)

    Outside Business

    • General Partner Sherwood, LP
    • General Partner Village at Canterbury, LP
    • General Partner Urban Storage, LP
    • General Partner PFG Preferred, LP
    • Majority Partner Home D Pizzeria & Robin Hood Brewing Co.
    • General Partner All Seasons Storage (past)
    • Partner PFG Capital Corp. (past)
    • Partner Joyner Sports Medicine Corp. (past)

  • OLYMPUS DIGITAL CAMERAChief Executive Officer, Wealth Counselor

    With two decades of experience in the financial services industry, Jamie Felker is an expert in creating an environment of success—for the company and its clients. He advances the mission of Abundance by overseeing the performance of the organization. The graduate of a highly regarded training program related to systemic and sustained process improvement—Six Sigma—Jamie’s specialty is advising, designing, implementing, and managing retirement plans. Jamie also advises individual clients on their personal finances, consistently ensuring their satisfaction.

    • M.A. organizational management from the University of Phoenix
    • B.S. business management from Robert Morris University
    • A.S. in aviation from the Community College of Beaver County
    • Accredited Investment Fiduciary®
    • Certified Six Sigma Black Belt

    Memberships

    • Penns Valley Youth Center, board member and president

  • Client Relationship Manager

    Prior to Stephanie joining Abundance in 2016, she worked in the private sector as a Foster Care Case Manager where she focused on child safety, state compliance and creating individual family service plans. She joined the team at Abundance to fill the Client Advocate role. Stephanie quickly excelled in that position and was selected to serve as a Client Relationship Manager. She’s partnered with the CEO, and wealth counselor on firm level initiatives and specific client relationships. Stephanie values being with her family, loyalty and knowing the importance to make time for fun.

    • B.S. in Criminal Justice, Lock Haven University

  • OLYMPUS DIGITAL CAMERAClient Service Coordinator

    Aaron’s background in financial services began with Abundance, where as an intern he provided support to the investment department for one year as an undergraduate student.

    As the Client Service Coordinator, Aaron is responsible for being proactive by supporting the service team in planning, executing, and monitoring the client base. His work load will vary from maintaining a client data base, participating in meetings, developing proposals, assisting in financial planning, and preparing meeting material.

    • B.S. in finance with a minor in economics for the Pennsylvania State University, Smeal College of Business
    • Graduated with high distinction

  • OLYMPUS DIGITAL CAMERAClient Relationship Manager

    A two-decade financial services professional who has spent much of her career gaining extensive knowledge in a variety of roles at Abundance, Bobbie Isett serves the firm as a client relationship manager. In this role, she assists the wealth counselors and serves as a first point of contact for clients while working closely with their attorneys and CPAs. Bobbie has particular expertise in accounting and uses her skills when administering client relationships and accounts, implementing financial plans, or responding to a wide range of requests from clients.

    • Graduated from Centre Business School with a degree in accounting
    • Received training at the PA Bankers Assoc. School of Fiduciary Services, Investments & Wealth Management
    • Received training at the School of Trust, Investments, and Wealth Administration
    • Notary Public

  • OLYMPUS DIGITAL CAMERAInsurance Specialist

    With more than 15 years of experience in the financial services industry, Jodi Johnston is adept at serving Abundance clients by helping them with banking, interfacing with insurance brokers, and walking clients through the application process for different insurance policies. Jodi analyzes policies and works with Abundance client relationship managers and wealth counselors, providing comprehensive technical support and service and making sure clients have the insurance policies they need

    • Associate degree (with honors) from the South Hills School of Business & Technology
    • Working toward a B.S. in organizational leadership from The Pennsylvania State University
    • Life, accident, and health insurance licensed
    • Fixed annuities licensed
    • Notary Public

    Memberships:

    • The National Society of Leadership and Success
    • The National Honors Society

  • OLYMPUS DIGITAL CAMERAChief Compliance Officer, Wealth Counselor

    John Schaffer’s diverse background in business, law, real estate, and tax qualifies him to serve the firm and its clients in a variety of important ways. He oversees the firm’s compliance program, ensuring Abundance complies with all SEC regulations and follows policies and procedures. An attorney who once practiced civil and criminal law, he serves as general counsel for Abundance and as a legal resource for clients. John also helps clients with private real estate deals and on estate, tax, and asset protection. Most importantly, John is responsible for protecting the interests of Abundance clients.

    • B.S. marketing with a minor in entrepreneurship from The Pennsylvania State University
    • J.D./MBA from The Pennsylvania State University, Dickinson School of Law, Smeal College of Business

    Memberships:

    • Member of the Pennsylvania Bar
    • Bridge of Hope Centre County – board member

  • OLYMPUS DIGITAL CAMERA

    Client Concierge

    When you call Abundance, or walk through our front doors, we can assure that you will be greeted in a warm and welcoming manner. This is because our Client Advocate, Carina Struble, has a genuine concern for your interests, and a passion for making sure that your needs are met. Ms. Struble comes from diverse educational and career background in business law, conflict resolution, dispute mediation and communications. She is adept at understanding how to best serve our clients. She also has an exceptional ability represent your interests, and to convey those interests to the professional in our office who can address them most effectively. Finally, when you leave our offices, you can be confident in the fact that you will go with your questions answered, your concerns alleviated, and an assurance from Ms. Struble that you will always have a positive, caring point of contact at Abundance.

    • M.A. of Jurisprudence in Business Law, Widener University School of Law
    • M.A. of Communication and Conflict Resolution, Edinboro University
    • M.A. of Teaching and Learning, Lock Haven University
    • B.S. in Political Science, Lock Haven University

OLYMPUS DIGITAL CAMERAChief Operating Officer

Abundance depends on Cheryl Bartram to ensure that every aspect of the business runs smoothly. A seasoned financial services veteran, she manages the day-to-day operations of the firm, setting policies; working on trust, loan, and account administration; and interacting with Abundance 3rd party partners. Cheryl maintains the corporate financial books and records of Abundance and its related entities and is also responsible for attracting, training, and retaining new team members.

  • B.S. in business administration from Elizabethtown College, concentrating in accounting and management
  • Graduated from the Central School of Trust and Investment Management

OLYMPUS DIGITAL CAMERAChief Investment Officer

The manager of the Abundance investment department, and chair of the investment committee, Geoff has worked in the financial services industry since 1992. He has extensive experience in equity and option trading, fixed income, portfolio management, risk management, financial planning, and compliance. He leverages that expertise to serve clients while overseeing research and trading for both individual clients and retirement plans.

  • B.S. in operations management from the University of Arizona
  • Graduated with honors from the Central Atlantic School of Trust and Investment

Management

  • Life, accident, and health insurance licensed
  • Accredited Investment Fiduciary® (AIF®)

OLYMPUS DIGITAL CAMERASupervisor & Executive Administrator

A 20-year veteran of the financial services industry, Laurie Capparelle has become invaluable to Abundance, serving as the concierge for clients. She coordinates clients’ support between the principal and client relationship managers, facilitating teamwork and cohesion. Laurie is the first person clients consult when they have administrative questions, need to schedule meetings, or require assistance from a team member. Laurie also manages the calendar, travel arrangements, and other necessities of the firm’s principal. Clients know her well and have come to depend on her friendly approach and enthusiasm.

OLYMPUS DIGITAL CAMERAPrincipal, Wealth Counselor

The founder of Abundance and architect of the holistic method of serving his clients (known as the Six Steps of Wealth Wisdom), Dick DeFluri is peerless in his knowledge of estate planning, asset protection, and sound wealth management. Connected to a vast network of individuals and organizations, Dick is a nationally respected financial services leader. He has presented seminars on asset allocation, security selection protocol, hedge fund analysis, and sophisticated estate and asset protection planning techniques, is a member of several professional and philanthropic organizations, and is the author or contributing author of several books.

  • B.S. in business administration from The Pennsylvania State University
  • Accredited Investment Fiduciary®
  • Certified Investment Management Consultant (CIMC)
  • Registered Financial Consultant (RFC)
  • Life, accident, and health insurance licensed
  • Admitted into the NFL Players Association Financial Advisors Program as a Registered NFL Players Association Financial Advisor

Memberships

  • Financial Planning Association
  • National Association of Life Underwriters
  • Association for Advanced Life Underwriters
  • The Professional Business and Financial Network

Board Membership

  • Penn State University Libraries Development Advisory Board
  • Aqua Penn Spring Water Corp. (past)
  • Nittany Health Care Corp. (past)
  • Aris Corp. (past)
  • Penn State University Athletic Committee Board of Advisors (past)

Outside Business

  • General Partner Sherwood, LP
  • General Partner Village at Canterbury, LP
  • General Partner Urban Storage, LP
  • General Partner PFG Preferred, LP
  • Majority Partner Home D Pizzeria & Robin Hood Brewing Co.
  • General Partner All Seasons Storage (past)
  • Partner PFG Capital Corp. (past)
  • Partner Joyner Sports Medicine Corp. (past)

OLYMPUS DIGITAL CAMERAChief Executive Officer, Wealth Counselor

With two decades of experience in the financial services industry, Jamie Felker is an expert in creating an environment of success—for the company and its clients. He advances the mission of Abundance by overseeing the performance of the organization. The graduate of a highly regarded training program related to systemic and sustained process improvement—Six Sigma—Jamie’s specialty is advising, designing, implementing, and managing retirement plans. Jamie also advises individual clients on their personal finances, consistently ensuring their satisfaction.

  • M.A. organizational management from the University of Phoenix
  • B.S. business management from Robert Morris University
  • A.S. in aviation from the Community College of Beaver County
  • Accredited Investment Fiduciary®
  • Certified Six Sigma Black Belt

Memberships

  • Penns Valley Youth Center, board member and president

Client Relationship Manager

Prior to Stephanie joining Abundance in 2016, she worked in the private sector as a Foster Care Case Manager where she focused on child safety, state compliance and creating individual family service plans. She joined the team at Abundance to fill the Client Advocate role. Stephanie quickly excelled in that position and was selected to serve as a Client Relationship Manager. She’s partnered with the CEO, and wealth counselor on firm level initiatives and specific client relationships. Stephanie values being with her family, loyalty and knowing the importance to make time for fun.

  • B.S. in Criminal Justice, Lock Haven University

OLYMPUS DIGITAL CAMERAClient Service Coordinator

Aaron’s background in financial services began with Abundance, where as an intern he provided support to the investment department for one year as an undergraduate student.

As the Client Service Coordinator, Aaron is responsible for being proactive by supporting the service team in planning, executing, and monitoring the client base. His work load will vary from maintaining a client data base, participating in meetings, developing proposals, assisting in financial planning, and preparing meeting material.

  • B.S. in finance with a minor in economics for the Pennsylvania State University, Smeal College of Business
  • Graduated with high distinction

OLYMPUS DIGITAL CAMERAClient Relationship Manager

A two-decade financial services professional who has spent much of her career gaining extensive knowledge in a variety of roles at Abundance, Bobbie Isett serves the firm as a client relationship manager. In this role, she assists the wealth counselors and serves as a first point of contact for clients while working closely with their attorneys and CPAs. Bobbie has particular expertise in accounting and uses her skills when administering client relationships and accounts, implementing financial plans, or responding to a wide range of requests from clients.

  • Graduated from Centre Business School with a degree in accounting
  • Received training at the PA Bankers Assoc. School of Fiduciary Services, Investments & Wealth Management
  • Received training at the School of Trust, Investments, and Wealth Administration
  • Notary Public

OLYMPUS DIGITAL CAMERAInsurance Specialist

With more than 15 years of experience in the financial services industry, Jodi Johnston is adept at serving Abundance clients by helping them with banking, interfacing with insurance brokers, and walking clients through the application process for different insurance policies. Jodi analyzes policies and works with Abundance client relationship managers and wealth counselors, providing comprehensive technical support and service and making sure clients have the insurance policies they need

  • Associate degree (with honors) from the South Hills School of Business & Technology
  • Working toward a B.S. in organizational leadership from The Pennsylvania State University
  • Life, accident, and health insurance licensed
  • Fixed annuities licensed
  • Notary Public

Memberships:

  • The National Society of Leadership and Success
  • The National Honors Society

OLYMPUS DIGITAL CAMERAChief Compliance Officer, Wealth Counselor

John Schaffer’s diverse background in business, law, real estate, and tax qualifies him to serve the firm and its clients in a variety of important ways. He oversees the firm’s compliance program, ensuring Abundance complies with all SEC regulations and follows policies and procedures. An attorney who once practiced civil and criminal law, he serves as general counsel for Abundance and as a legal resource for clients. John also helps clients with private real estate deals and on estate, tax, and asset protection. Most importantly, John is responsible for protecting the interests of Abundance clients.

  • B.S. marketing with a minor in entrepreneurship from The Pennsylvania State University
  • J.D./MBA from The Pennsylvania State University, Dickinson School of Law, Smeal College of Business

Memberships:

  • Member of the Pennsylvania Bar
  • Bridge of Hope Centre County – board member

OLYMPUS DIGITAL CAMERA

Client Concierge

When you call Abundance, or walk through our front doors, we can assure that you will be greeted in a warm and welcoming manner. This is because our Client Advocate, Carina Struble, has a genuine concern for your interests, and a passion for making sure that your needs are met. Ms. Struble comes from diverse educational and career background in business law, conflict resolution, dispute mediation and communications. She is adept at understanding how to best serve our clients. She also has an exceptional ability represent your interests, and to convey those interests to the professional in our office who can address them most effectively. Finally, when you leave our offices, you can be confident in the fact that you will go with your questions answered, your concerns alleviated, and an assurance from Ms. Struble that you will always have a positive, caring point of contact at Abundance.

  • M.A. of Jurisprudence in Business Law, Widener University School of Law
  • M.A. of Communication and Conflict Resolution, Edinboro University
  • M.A. of Teaching and Learning, Lock Haven University
  • B.S. in Political Science, Lock Haven University