888-680-8150

The Athena Team

Sherri Over, NAACFTM

CEO & Financial Protection Specialist

Sherri Over’s work in holistic financial planning is not simply a career—it is a calling shaped by faith, resilience, and an unwavering commitment to helping others protect what matters most.

Years ago, Sherri faced circumstances she never could have imagined. In what felt like a moment, the …

Read More
Meet With Sherri

Sherri Over’s work in holistic financial planning is not simply a career—it is a calling shaped by faith, resilience, and an unwavering commitment to helping others protect what matters most.

Years ago, Sherri faced circumstances she never could have imagined. In what felt like a moment, the financial foundation she believed was secure collapsed. Everything she had worked for was gone. The devastation was profound, forcing her to rebuild not only financially but personally.

What carried her through that season was her faith.

It grounded her when the future felt uncertain and strengthened her resolve to move forward. Giving up was never an option. Commitment, dedication, and determination became essential as she began the difficult process of rebuilding her life.

Those unimaginable circumstances ultimately became the catalyst for her life’s work.

Rather than allowing the experience to define her by loss, Sherri allowed it to shape her purpose. She developed a deep conviction that people deserve clarity, protection, and thoughtful guidance when it comes to their financial future. She saw firsthand how quickly things can unravel when strategy and oversight are absent—and how many individuals and families are left navigating important financial decisions without the knowledge they need.

Education therefore became a cornerstone of her work.

Sherri believes that when people understand their options, they are empowered to make wise and confident decisions about their future. As Benjamin Franklin once said, “An investment in knowledge pays the best interest.” Yet many of the most significant financial risks people face later in life—tax exposure, longevity, healthcare costs, market volatility, and income sustainability—are often misunderstood or overlooked entirely. Helping families understand both the opportunities and the often unseen risks in retirement planning allows them to move forward with greater clarity, confidence, and wisdom.

That awareness allows the families we serve to approach retirement not with uncertainty, but with a thoughtful strategy designed to protect what they have worked a lifetime to build.

Sherri approaches every client relationship with a strong moral compass. Doing what is right for the client is not simply good business—it is the only way she believes business should be done.

At The Athena Team, our mission is simple: to help individuals and families protect what they have worked so hard to build and move forward with clarity, confidence, and lasting peace of mind.

Rooted in wisdom, protection, and stewardship, The Athena Team exists to help families make thoughtful financial decisions today so their future—and their legacy—can stand secure tomorrow.

Sherri Over
4302

Kristi Bruketta

Chief Organizational Officer

Kristi serves as Chief Organizational Officer, keeping all the pieces in place to ensure smooth operations and exceptional client care. She is deeply focused on creating a supportive, well-organized environment where advisors can thrive and clients feel truly valued and well assisted. Kristi’s attention to detail and heart for service help ensure that every client experience is seamless and positive. Outside of work, she cherishes time traveling with her husband and son, and loves cheering on their son at lacrosse games across the country.

Kristi Bruketta
Read More
Let's Meet
4317

Ryan Morales

Client Support Specialist

Ryan is a Client Support Specialist dedicated to making sure every client feels cared for, protected, and informed. Working behind the scenes, he manages the details that help families move forward with confidence and stay focused on their financial goals. Ryan takes pride in being a steady source of support for both clients and advisors. In his free time, he enjoys hiking local trails, appreciating the reminder that—much like life—every journey has its climbs and peaceful stretches, best navigated with intention.

Ryan Morales
Read More
Let's Meet

Personalized Guidance Backed By Real Support.

We’re often asked, “Who supports all of this behind the scenes?” The answer is: a full team—not just one advisor, or one office. As independent fiduciaries, we choose to stay small enough to know you personally, yet partnered strongly enough to provide the depth, resources, and continuity your plan deserves.
Through our strategic partnerships with Foundations Investment Advisors and Magellan Financial, we have a full back-office support structure that includes:
Case design and advanced planning for retirement income, tax strategy, estate considerations, and portfolio design
Institutional-quality investment research and ongoing portfolio management
Dedicated onboarding, service, and compliance teams that ensure a smooth, professional, and reliable client experience
This means your plan is never dependent on a single person—your relationship is with The Athena Team, not just one advisor. Should life change—yours or ours—your strategy remains protected, supported, and actively managed.
We are intentionally not a big-box firm. Your financial life doesn’t fit a template, and your guidance shouldn’t either. Here, you get custom planning, proactive communication, and a team that knows you, your goals, and your story.
Get To Planning

Privacy Policy

Last Modified: 03/19/2018

Protecting your privacy is very important to us. Our goal is to treat the personal information you furnish us with the utmost respect and in accordance with this Privacy Policy. We request that you carefully read this Privacy Policy and our Terms of Use before using the website. By visiting, viewing or using the website in any manner, you are agreeing to the terms set forth in this Privacy Policy, as well as the Terms of Use for the website.

This policy describes the types of personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) we may collect from you or that you may provide when you visit our website and our practices for collecting, using, maintaining, protecting and disclosing that information. PII includes information such as your name, address, phone number, ZIP code, email address and similar information. Non-PII is non-personally identifiable information, and may include, for example, your IP address, browser type, domain names, access dates and similar information.

Personal Information We Collect and How We Collect It

You can visit us on the internet without telling us who you are or revealing any information about yourself, including your email address. In this case, our web servers may collect the name of the domain you used to access the internet (such as aol.com) and the website you came from and visit next. This information is used by us and our business partners to measure the number of visits, average time spent, page views and other statistics about visitors to our website in general. We also use this data to monitor site performance and to make the site easier and more convenient to use.

There are times when we may ask you for information about yourself to assist us in meeting your various needs. In these cases, your browsing will no longer be anonymous to us. To provide these services, we may need to ask you directly to provide, among other things, your name, Social Security number, physical address, ZIP code, email address and phone number.

Please note that we do not knowingly solicit information from children and we do not knowingly market our products or services to children.

How We Use Your Information

We may use information that we collect about you or that you provide to us, including any personal information, for any purpose including, but not limited to:

  • Providing you with materials you have requested
  • Contacting you for the potential purchase of insurance or other financial products
  • Personalizing our contact with you
  • Operating, providing, improving and maintaining our website
  • Developing new products and services
  • Preventing abusive and fraudulent use of our website
  • Sending you administrative messages, content and other services and features in which we believe you may be interested
  • Any other administrative and internal business purposes permitted by law

Protection of Your Information

We maintain a variety of security measures to protect against the loss, misuse and alteration of information under our control. Although we make good-faith efforts to maintain the security of such information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure or alteration. Further, we cannot guarantee that our security measures will prevent unauthorized persons from accessing or obtaining this information. We assume no liability to you or any other party in relation to the unauthorized access, use or alteration of any information provided to us.

Notification in the Event of Data Breach

As previously stated, although we make good-faith efforts to maintain the security of your information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure or alteration. In the event your personally identifiable information is breached by an unauthorized party, we will comply with your applicable state law in notifying you of the breach.

Accessing or Correcting Your Information

You may access the data collected by us about you by sending a request to the address listed below. If you believe that an error has been made in the accuracy of the information collected from you, we will correct such error upon adequate verification of the error and the identity of the person seeking the correction.

If you wish to access, remove or correct any personally identifying information you have supplied to us or if you have any questions about this Privacy Policy, you may contact us by sending a letter via the U.S. Mail to: , Bel Air, MD 21014. Please understand that to protect your privacy and security, we may also need to take reasonable steps to verify your identity before granting access or making corrections.

Sharing Information and Consumer Choice

When you provide information to us, we may share your information, to the extent provided by applicable law, with our affiliated companies and third parties for the purpose of fulfilling your requests as well as offering you other services that may be of interest to you. It is not shared with any third party, unless requested by you or permitted by law. Under no circumstance will we sell your information or transfer your information to any ad network, ad exchange, data broker or other advertising or monetization related service. We may also aggregate statistics that we gather about our customers, sales, traffic patterns and services, and provide these statistics to third parties; however, when we do, these statistics will not include any personal information that identifies individuals. SMS opt-in consent or phone numbers collected for SMS purposes will NOT be shared with third parties or affiliates for marketing purposes.

Cookies

If you are browsing, a cookie is used to help us measure the number of visits, average time spent, page views and other statistics relating to our website. This cookie, by itself, does not reveal to us your email address or who you are. If you decide to register online with us, we may collect additional information to provide tailored offerings or content to you. In this case, we use cookies to recognize you on subsequent visits and make your online experience more convenient.

Cookies are small pieces of data stored by your internet browser on your computer’s hard drive. They cannot be used to collect data from your hard drive or to obtain your email address or personal identifying information about you. You may set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that by not accepting cookies, you will limit the functionality we can provide you when you visit our site.

Handling of ‘Do Not Track’ Signals

The California Online Privacy Protection Act provides that a website operator must:

“Disclose how the operator responds to web browser ‘do not track’ signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services, if the operator engages in that collection.”

It is important for you to know that we do not engage in the type of collection referenced in the California law.

Changes to This Privacy Policy

We reserve the right to modify or supplement this Privacy Policy statement at any time. If we make any material change, we will update our website to include such changes. A notice that our privacy policy has been updated will be displayed on our website homepage. You are responsible for periodically visiting our website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: info@theathenateam.com or 410.937.7818

Terms Of Use

All information available through this website is the property of The Athena Team (the “Company”) or its information providers and is protected by copyright and intellectual property laws. All rights reserved.

You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall the information be used in connection with creating, promoting, trading or marketing financial instruments or products without the express written consent of The Athena Team or its licensors. You are entitled to use the information it contains for your private, non-commercial use only.

The Athena Team operates this website (the “website”) to provide information, related features and services (the “Service”). The terms and conditions set forth herein (the “Terms of Use”) constitute a legally binding agreement between the Company and you regarding the terms on which the Company offers you access to Service.

Please take a few minutes to review the Terms of Use. By accessing and using this website, you agree to be bound by each of the Terms of Use and all applicable laws and regulations governing the website. If you do not agree with any of the Terms of Use, you are not authorized to access or use this website for any purpose.

  1. Contents not intended for distribution or use where prohibited The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Company to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this website, constitutes a solicitation or offer by the Company to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service.
  2. These terms of use may change without prior notice The Company reserves the right to modify these Terms of Use at any time without giving you prior notice. Your use of the website following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this website. The last date these Terms of Use were revised is set forth below.
  3. Notices of restrictions on your use The Service, the website and all data and information and/or content that you see, hear or otherwise experience on the website (the “Content”) belongs to the Company, its partners, affiliates, contributors or third parties and may be protected by U.S. and international copyright, trademark, intellectual property and other laws. Content provided by third parties is used on the website with the permission of such third parties. You may download, print and store selected portions of the Content, provided that you (1) do not copy or post the Content on any network computer or transmit, distribute, publish or broadcast the Content in any media, including without limitation, a website; and (2) do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. No right, title or interest in any copied or downloaded Content is transferred to you as a result of any such copying or downloading. The Company reserves complete title and full intellectual property rights in any Content you copy or download from this website. You agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer or create derivative works from any Content obtained from the website or the Service, except as expressly permitted by these Terms of Use. Moreover, you may not use any of the marks appearing throughout this website without express written consent from the trademark owner, except as permitted by applicable law.
  4. Disclaimer of warranties By agreeing to grant you access, the Company does not obligate ourselves to do so or to maintain this site, or to maintain it in its present form, and we expressly reserve the right to modify, suspend or terminate your access privileges. You agree and understand that we may, in our sole discretion and without any prior notice, close this website or deny you access to it and delete any files which you may maintain at this site and any information which you may choose to post here. The information on this website is provided “as is.” You expressly agree to assume total responsibility and risk for your use of the website and the service. The company makes no express or implied warranties, representations or endorsements whatsoever with respect to the website or the service. The company expressly disclaims all warranties of any kind, express, implied, statutory or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and noninfringement, with regard to the website, the service or any information or content contained therein (including third-party information). The company shall not be liable for any loss or damage arising either directly or indirectly from any use of the website, the service or any information or content contained therein (including third-party information). It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all information or content provided by the website or the service. The company does not warrant that the functions performed by the website or the service will be uninterrupted, timely, secure or error-free, or that defects in the website or the service will be corrected. The company does not warrant the accuracy or completeness of the information or content provided by the website or the service, or that any errors in the information or content will be corrected. The website, the service and the information or content are provided on an “as is” and “as available” basis.
  5. Limitation of liability If you are dissatisfied with the website or any content on the website, or with the terms of use, your sole and exclusive remedy is to discontinue using the website. You acknowledge, by your use of the website, that your use of the website is at your sole risk. You understand and agree that under no circumstances will the company be liable for any damages whatsoever, including, but not limited to, (i) any direct, incidental, consequential, exemplary or indirect damages (including, but not limited to, damages for loss of business profits, business interruption, loss of data, programs or information, and the like) arising out of the use of or inability to use the website, the service, or the information or content provided therein, (ii) any claim attributable to errors, omissions or other inaccuracies in the website, the service and/or information or content contained therein or downloaded through the website, (iii) unauthorized access to or alteration of your transmissions or data, (iv) statements or conduct of any third party on the website or the service, or (v) any other matter relating to the website or the service, even if the company has been advised of the possibility of such damages. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, some of the above limitations may not apply to you. In such states, the company’s liability is limited and warranties are excluded to the greatest extent permitted by law.
  6. Click here to see our Privacy Policy

General provisions

  1. Entire agreement. These Terms of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by the Company of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.
  2. Correction of errors and inaccuracies. The information in the website may contain typographical errors or other errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies or omissions will be corrected.
  3. No endorsements of links. Hypertext links to third-party websites or information do not constitute or imply an endorsement, sponsorship or recommendation by the Company of the third party, the third-party website or the information contained therein. You acknowledge and agree that the Company is not responsible for the availability of any such websites and that the Company does not endorse or warrant, and is not responsible or liable for any such website or the content therein. Any links to other sites are provided for convenience only. You need to make your own decisions regarding your interactions or communications with any other website.
  4. If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in full force and effect. These Terms of Use are governed by, and will be interpreted in accordance with, the laws of the state of Maryland, without regard to any conflict of laws’ provisions. Although you acknowledge that we will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of courts in Maryland, U.S.A., regarding any and all disputes relating to these Terms of Use, the Company’s Privacy Statement, your use of the website, any other website, the Service, or Content or Material contained therein.

User conduct:

You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.

SMS Terms & Conditions:

Mobile carriers require you to provide SMS Terms & Conditions for your messaging campaigns. The Terms of Service related to SMS communication must either be included in your privacy policy or be a stand-alone document. The document must include the following:

  1. Consent for SMS Communication: A statement confirming that information obtained as part of the SMS consent process will not be shared with third parties.
  2. Types of SMS Communications: A clear description of the types of SMS communications a customer might receive. This should include examples such as:
    • Customers and Guests: Updates regarding orders, deliveries, or other relevant information.
    • Job Applicants: Information about application status, onboarding materials, or other employment-related updates.
    • Standard Messaging Disclosures: Include standard message disclosures: “Message and data rates may apply. You can opt-out at any time by texting ‘STOP.’ For assistance, text ‘HELP’ or visit our Privacy Policy and Terms of Service.”

Disclosures

Any media logos and/or trademarks used on this website are the property of their respective owners and no endorsement by those owners of the advisor or firm is stated or implied.
 
We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives.
 
Any references to protection benefits, safety, security, steady and reliable income, or lifetime income streams, etc. on this website refer only to fixed insurance products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.
 
The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.

Meet With Name