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  • 269-982-2710
  • 866-751-1241

Meet the Team

Luke Brown
Owner & Founder

Luke began his career as a financial advisor nearly two decades ago and enjoys his work today as much as he did when starting out. He is proud to offer needs based advice and objective, client centered planning. In 2008 he chose to become an independent advisor and started his own practice, True Blue Financial, to better serve his clients. Being independent translates to broader product selection, greater technological capabilities, and an enhanced client experience. His practice is exclusive of proprietary products and investment banking, as these can lead to conflicts of interest. Luke is proud to be affiliated with LPL Financial, the nations largest independent broker-dealer and consistently ranks in the top 10% of LPL advisors based on productivity. As a business owner he has a unique understanding of the complexities and challenges faced by today's small businesses.

Locally, Luke is a member of Southwestern Michigan Estate Planning Council, is active in his church serving as Deacon, Treasurer, and chair of the Stewardship Committee, and is a past member of NAIFA. Luke holds his series 7, 24, 53, and 66 securities registration and can write life, health and variable contracts.

Personally, Luke and his wife Shannon have been married over 15 years and have two children Kale 12 and Ellie 11. Luke also spends a great deal of time volunteering and supporting non-profit organizations.
Vicki Holt
Investment Representative

Vicki’s background includes more than a decade of marketing experience in various industries, including nearly five years in financial services. Vicki’s interest in financial services led her to True Blue Financial in 2008 where she began as a Project Manager, helping to establish the new office. She completed her series 7 and 66 examinations to become an LPL Investment Representative in 2009. In 2010 Vicki became licensed to sell and service life and health insurance policies.

Vicki was a collegiate volleyball player and still remains active in local area volleyball through camps, coaching and officiating. Vicki has two beautiful daughters, Laurel 14 and Cameron 12. Locally, she is a member of the Women’s Service League, where she enjoys volunteering in the community. Vicki is also a member of the Southwestern Michigan Estate Planning Council.
Nicole Coar
Investment Representative

Nicole spent more than 15 years in customer service in a broad range of communications industries before joining True Blue Financial. She understands the importance of relationships and hands on support to keep our clientele updated and informed. Nicole completed her series 7 and 66 examinations to become an LPL Investment Representative in 2013. In 2014, she also became licensed to sell and service life, long term care, and variable policies. Nicole's focus is on building one-on-one relationships with our clients while providing accurate and efficient service.

Nicole’s husband, Victor, is a professional photographer and Photoshop specialist. Together they keep busy with their two teenage sons, Ilo and Elias. Nicole serves on the Executive Board for the Saint Joseph Baseball Association and volunteers with Women’s Service League where she enjoys giving back to her community through local volunteerism. She is also a member of the Southwestern Michigan Estate Planning Council.
Rick Martin, CPA
Client Service Associate

Following eight years of active duty with the US Army, Rick earned an Accounting degree from Ferris State University in 2015 and ultimately completed the requirements to become a Certified Public Accountant (CPA). He then spent two years as a public auditor specializing in financial institutions before joining the True Blue Financial team. Rick is now a member of The American Institute of CPAs.

Rick understands the importance of communication and team building and prides himself on his attention to detail, organizational skills and commitment to excellence. Central to all account operations and client services, Rick provides our clients with valuable coordination and reliability while providing important office support.

Rick’s off-time is spent with his wife of 10 years, Rebekah and their young son Lucas. Together they enjoy golfing, fishing and taking walks with their dog, Irish.
Audrey Ackerson
Client Service Associate

Prior to joining our team, Audrey gathered experience working in accounting, legal administration, and office management. Her previous employment provides a diversity of skills perfectly fitted to her role as administrative support for our advisors and our clients.

She and her husband, Steve, are originally from the mid-Michigan area but have called Berrien County home for the past several years. Audrey enjoys do-it-yourself projects, gardening, and traveling with her husband. Together their goal is to visit all 50 states, with 44 states currently checked off the list.