your Single Point of Contact for Financial Planning

Meet Our Team

your Single Point of Contact for financial planning

At American Financial Services, our focus is you.

With our personalized approach and unwavering dedication, we aim to empower you to navigate life’s financial challenges with confidence and peace of mind, knowing that your future is in capable hands. You are always our team’s number one priority.

Learn About Protecting Your Finances In Retirement

Protect The People Who Depend On You

Learn How To Create A Dependable Income In Retirement

"As for the future, your task is not to foresee it, but to enable it."
-Antoine de Saint-Exupery, French Author

meet the leadership team

president & CEO

vice president

professional associates

tax preparer

medicare & health insurance specialist

support staff

Client Operations Specialist

Client Operations Specialist

Client Liaison

no matter the circumstances, we have the resources & advisors to help

We offer one of a kind services, with personal attention to each client. For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

american financial services is nominated for readers' choice - best financial investment company

Tarick Bernat, Jason Bernat and Richard Horvath were all also nominated for Readers’ Choice – Best Financial Consultant, Tarick being in listed as Top 5 Best Financial Consultant!

With years of experience, AFS has been the single point of contact for the prosperity & protection of families.

Contact us today at (330) 758-8102

Jason Bernat

president & CEO

After 18 successful years working under his dad, Jason Bernat has stepped up as the CEO of American Financial Services.

Jason has continued his father's legacy by venturing into the financial industry, where he offers comprehensive assistance to clients in retirement planning, wealth accumulation, asset management, annuities, life insurance, and beyond. With a commitment to building personal connections, Jason takes pride in the meticulous service provided by each member of his team, ensuring that every client departs with a tailored retirement plan designed to secure their future.

When not working with clients, Jason enjoys traveling, sports, and most of all, spending time with his wife, Lindsay, and their three beautiful girls. Together their favorite thing to do is enjoy the new meals Jason cooks for them!

Tarick L. Bernat, LUTCF

founder

Tarick Bernat, Founder and Financial Advisor at American Financial Services, has been successfully guiding clients on retirement income planning and wealth management for over 44 years.

Tarick has built his business with a commitment to creating meaningful connections. His journey in the industry began through a friendship, and now, with the legacy continuing through his son, Tarick's business thrives on the principles of family and friends. With roots embedded in those values, Tarick brings a level of warmth and sincerity to every client relationship.

For Tarick, it's not just about transactions or numbers on paper; it's about building relationships built on trust, empathy, and mutual respect. Each client is welcomed into Tarick's extended family, where their financial well-being is treated with care and attention. With Tarick, clients find more than just a financial advisor; they find a trusted confidant, a supportive ally, and a genuine friend who is committed to their long-term success and happiness.

Although Tarick gets to spend time with his son, Jason, inside and outside of the office, he most enjoys spending time with the rest of his family when not meeting with clients. He is grateful to have his wife, Laura, children and (especially) grandchildren all living in Ohio together.

Tarick is a recognized leader in the financial services industry. He is a mainstay on his broker-dealer’s monthly “Top 50” and a 20-year member of the “Million Dollar Round Table (MDRT) – The Premier Association of Financial Professionals”. MDRT members must demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. He is also a member of the National Association of Insurance and Financial Advisors (NAIFA) where he has served as president (2008-2009) and board member of the Youngstown/Warren chapter.

congratulations

Berthel Fisher & Company Financial Services, Inc. congratulates Tarick Bernat for his outstanding achievements! Tarick received the company’s top honor of Chairman’s counsel for the 2nd time while also receiving the company’s Presidents Club honor for the 13th year in a row. In addition, Mr. Bernat is a 17 consecutive year member of the Million Dollar Round Table with Court of the Table and Top of the Table honors. With 29 years of experience, Tarick has proven his dedication to his clients and their financial futures and we thank him for his continued success.

Richard J. Horvath

vice president

Beginning his career as a banking investment representative, Vice President, Richard Horvath, brings over 30 years of professional experience to American Financial Services.

Throughout his extensive career, Richard has achieved remarkable success by prioritizing a personalized approach for each of his clients, never abiding by a "one size fits all" solution. He places value on the art of active listening and meaningful dialogue with his clients, working closely with them to identify both long-term aspirations and short-term objectives. By establishing a collaborative relationship, Richard helps his clients articulate their financial dreams and then crafts customized strategies that seamlessly integrate these goals into a comprehensive financial plan.

Richard was born and raised in Ohio, where he currently lives raising his two daughters with his wife of 28 years. When not spending time with his family or in the office, Richard enjoys attending Church, golfing, biking, and almost any other physical activity!

Marlene Nolder

Tax Preparer

Marlene Nolder joined American Financial Services in 2010 to offer tax services to our clients. She has been preparing taxes for larger tax companies for 32 years. Marlene also owns her own tax, bookkeeping and payroll business for 10 years. She has been enrolled with the IRS since 1988 and can complete personal & business tax returns along with amended returns, and Federal, State & City government letters.

Marlene is offering a free 2-year tax review and discounted tax services.

In her spare time, Marlene likes to spend time with her husband Bill, their children and grandchildren.

Marlene Nolder is not associated with BFCFS

Glenn W. Morris

Agent Specializing in Medicare & Health Insurance

Glenn W. Morris joined American Financial Services recently bringing with him 30 years of experience. Glenn specializes in Medicare/Health Insurance. Today's seniors are faced with many choices for their Medicare needs. Glenn has been helping them make educated decisions for their individual needs since 1993. He represents all major carriers in the medical insurance market.

Glenn will be happy to sit with you to determine which plan will best suit your needs for both today and tomorrow. Call him today at 330.758.8102 or tollfree 1.866.758.8102.

Glenn is a lifetime resident of the Youngstown area. Upon graduation from Youngstown State University, Glenn started his insurance career. He currently resides in Canfield with his daughter Jessica.

Gina Bigley

Client Operations Specialist

Gina has been part of American Financial Services since 2012 and serves as one of our Client Operations Specialists. Her professional and hospitable demeanor welcomes all who stop by our office. Gina always ensures when becoming a client with American Financial Services, your process is seamless and she makes sure any questions or concerns you may have are taken care of in a timely matter. Gina is responsible for the daily operations of our back office. She works closely with clients to ensure all paperwork is completed and in proper order, accounts are established timely, and transfers are processed efficiently. Gina also prepares for client reviews and makes sure any outstanding client requests are taken care of in a timely matter. Plus, she plays an intricate role in the day-to-day operations of our office and also makes certain that our clients experience first rate client service.

Gina carries a Bachelor's Degree in Healthcare Administration from the University of Phoenix. Aside from her educational and administrative background, Gina has learned many sides of the wealth management world through her years of experience and learning at American Financial Services. Gina finds joy in her work at American Financial Services because she thrives on the opportunity to build meaningful connections with clients, guiding them towards their financial goals with personalized care and expertise.

Gina resides in Campbell with her husband, Jeremy, and their three children, Cameron, Olivia, and Connor.

melissa walker

Client Operations Specialist

Over 30 years of administrative experience in the financial planning industry…. Melissa became a member of the American Financial Services team in 2022. She serves as one of our Client Operations Specialist. Melissa is responsible for the daily operations of our back office. She works closely with clients to ensure all paperwork is completed and in proper order, accounts are established timely, and transfers are processed efficiently. Melissa also prepares for client reviews and makes sure any outstanding client requests are taken care of in a timely matter, she always makes sure our clients are provided with outstanding customer service in every client interaction. Melissa also coordinates all of our community, charitable and client-appreciation events. Plus, she plays an intricate role in the day-to-day operations of our office.

Working with American Financial Services fills Melissa with an immense sense of pride, knowing that she's part of a team dedicated to excellence in serving clients' financial needs. For Melissa, the most rewarding aspect of working at American Financial Services lies in the integrity of the advisors and their genuine concern not only for their clients' financial well-being but also in nurturing strong relationships with them and the entire team.

Melissa resides in Newton Falls with her two dachshund’s, Genny & Grizzley. She has three adult children, Morgan, Mykenzie & Mason.

Cindy Heaver

Client Liaison

Cindy joined American Financial Services in 2010, bringing with her 37 years of office (manufacturing) sales and customer service experience. Cindy assists the registered representatives at American Financial Services by calling and scheduling client reviews. In December Cindy also begins to work with Marlene in helping to prepare for the upcoming tax season.

Cindy believes it truly is a pleasure to come to work everyday when you love what you do.

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