Her path to financial planning began with a love of numbers, language, and learning. While studying mathematics and Spanish and pursuing an initial interest in teaching, she discovered a passion for helping people understand complex ideas in ways that feel approachable and practical.

That passion continues to shape her work today. After building experience in corporate finance and analytical roles, Ann realized financial planning offered a unique opportunity to combine education, problem-solving, and meaningful relationships. She believes informed decisions come from understanding—not pressure—and works alongside clients to bring clarity to important financial choices.

Today, Ann helps individuals and families navigate financial planning, investments, risk management, and long-term goals with confidence. By breaking complex topics into clear, actionable guidance, she empowers clients to make decisions that align with what matters most to them.

Ann has been married to Todd for over 30 years and loves spending time with their daughters, son-in-law and twin grandsons as well as other family and friends. She also enjoys flower gardening and playing with their highly energetic dog Rosie.

Tony helps capture structure while bringing clarity, and follow-through to the many moving parts of the practice. He oversees operational processes, team workflows, and continuous improvement efforts that allow the firm to serve clients consistently and effectively. Tony enjoys finding practical ways to simplify complexity, strengthen collaboration, and build systems that support both exceptional client service and great team experience. When not working, Tony enjoys family time with his wife, twin boys, and serving at his home church.

Tim joined the team in January 2026 and brings four years of experience with Thrivent. As an Associate Financial Advisor, he supports the team through financial planning analysis, client meetings, and coordination of account and service requests. Tim is committed to building trusted relationships through personalized service, clear communication, and a client-focused approach. Outside of work, he enjoys spending time with his wife, Zibby, and their young children.

Jennifer joined Ann Kirchner’s team in 2018 and serves as Office Manager for True Worth Financial Advisors. Known for her strong organizational skills, attention to detail, and commitment to exceptional client service, Jennifer plays a key role in ensuring the office runs smoothly and efficiently. She enjoys building meaningful relationships with clients, solving problems, and finding ways to make life easier for those she serves.

Outside of the office, Jennifer is married to her husband, Thomas, and is a proud mom of three teenage sons. She enjoys reading, puzzles, and traveling, and has a passion for serving others through mission work, including annual mission trips to Peru. Jennifer also serves on her church missions' team, where she helps support outreach efforts both locally and globally.

Recently relocated to Seattle and enjoys exploring the city while building her career with Thrivent. She is passionate about professional growth and values the opportunity to work alongside family members in a collaborative and supportive environment. In her role, Haley helps connect clients with Ann to discuss their financial goals and gain a clearer understanding of their overall financial picture. She also enjoys the behind-the-scenes preparation that helps ensure client meetings are productive and successful.

Outside of work, Haley enjoys spending time at her family’s lake home in Minnesota, reading, cooking, hosting game nights with family and friends, and relaxing with her American Bully, Luna.