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Michelle Kruger, Ph.D., CFP®, currently serves as the Director of Financial Planning at Gratus Capital, where responsibilities include overseeing the Centralized Planning Group and developing strategies to enhance client experiences and drive growth. Previously held positions include Senior Financial Planner at Elwood & Goetz Wealth Advisory Group and Assistant Professor of Finance at Loras College. Additionally, Michelle has experience as a Financial Counselor at Aspire Clinic and a Quality Reviewer for the Volunteer Income Tax Assistance Clinic. Educational credentials include a Ph.D. in Financial Planning, Housing, and Consumer Economics and a Bachelor's Degree in Finance, both from The University of Georgia.