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Heather Ayers

Wealth Management Associate - U.S. Bancorp Advisors

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It is my pleasure to serve the financial needs of people in the Metro East. My experience in the financial industry started in 2023 and I became a Wealth Management Associate in 2023.

I want to make managing your finances as easy as possible for you. As your financial associate, I will work with your U.S. Bancorp Investment Wealth Management Advisor and your Wealth Management Banker from our affiliate U.S. Bank in bringing you a holistic approach to financial management. We will collaborate to understand your financial situation and propose personalized strategies to help you work toward your financial goals.

In my free time, I enjoy reading, boating, live music, traveling, and exploring new restaurants.

Services I specialize in

Just 1% of funds make it through our rigorous review process, helping ensure that in a crowded investment marketplace, only what we believe are the best options get considered for your portfolio.

We help with a wide range of tasks involved in the oversite and management of our clients’ portfolios.

Our wealth professionals can help assist you with your account and planning questions, provide ongoing updates and offer access to our latest wealth technology.

Contact
618-394-4446

Additional information on licensed advisors can be found at FINRA BrokerCheck.

Primary office
5418 Hampton Ave
Saint Louis, MO, 63109
Get Directions
6701 N Illinois St
Fairview Heights, IL, 62208

1 Airport Plaza
Bethalto, IL, 62010

About Wealth Management from U.S. Bank and U.S. Bancorp Advisors

Our integrated wealth management approach gives you access to a dedicated advisor, backed by a team of specialists. We offer financial strategies to individuals and families across a wide range of wealth levels. Our U.S. Bank specialists offer banking, trust and investment support while our U.S. Bancorp Advisors professionals focus on investments, planning and insurance.

Meet our team

Ridgedale offers a customized wealth planning approach where the focus is on helping you achieve your version of success.
Meet Ridgedale
headshot of Andrew Stratton

Andrew Stratton

Wealth Management Banker,
U.S. Bank

headshot of ELIZABETH REEPE

ELIZABETH REEPE

Wealth Management Advisor,
U.S. Bancorp Advisors

headshot of Karen Puent

Karen Puent

Wealth Management Advisor,
U.S. Bancorp Advisors

headshot of Kathy Toelke

Kathy Toelke

Wealth Management Advisor,
U.S. Bancorp Advisors

headshot of Tim Jeffers

Tim Jeffers

Wealth Management Banker,
U.S. Bank

Explore our news and insights

Market news

Stay on top of the changing U.S. and global markets with our market news page. Dive deeper with our daily market analysis, volatility updates and frequent market teleconferences with U.S. Bank investment experts.

Investing insights

Are you a beginning investor wondering where to start? Even if sometimes confusing, the average investor can grow and preserve wealth by taking advantage of a number of investment strategies. While you can't predict what the markets will do next you can take some basic investing steps to ensure you're investing wisely.

Cash management and investing strategies when interest rates are changing

A fresh look at managing cash and investments in today’s changing interest rate environment.

FAQ

The role of a financial advisor can go beyond investment planning. An advisor can also provide guidance for key moments throughout your life. Perhaps your finances have gotten more complex, and you’d like help creating or adjusting your wealth plan. You may be worried how market changes are affecting your investments. Or you’re experiencing a major life event, such as:

  • Getting married or divorced
  • Having a child
  • Starting a new career
  • Receiving an inheritance
  • Buying a house
  • Nearing retirement

An advisor can help you objectively assess where you are financially and how to prepare for the future as you work toward your goals.

Your advisor will ask about your goals and priorities – where you’re at today, financially, and where you'd like to go. But the main topic of conversation will be whatever’s on your mind. You can discuss how you and your advisor will work together, what you can expect from your advisor, any costs if you decide to move forward, and next steps. You’ll have plenty of time to ask questions, to help you decide if the relationship is the right fit.

Our guide helps you prepare with key questions to ask and a checklist of what to bring, ensuring you start your advisory relationship with clarity.

No, your initial consultation is free.

We’ll confirm with you what materials, such as recent bank and financial statements, may be helpful for understanding your financial picture. But it’s your choice what to bring. To help you decide – and to ensure you get the most out of the conversation with your advisor – consider the following before the meeting:

  • What are your most important financial goals?
  • What concerns you about your finances?
  • Did you recently experience a major life event?

We’re happy to meet with you virtually or in person. It’s up to you.