Jaime Cowper, CLTC, NSSA®
President & Founder

Jaime Cowper is the Founder and President of Unity Financial Advisors and is passionate about helping people retire with peace of mind and provide protection for their families.  She specializes in comprehensive retirement planning, which includes providing financial guidance and services for those nearing or in retirement. She is committed to helping clients to preserve their assets for retirement, develop a reliable income plan, discuss and implement a plan for long term care, and leverage money to the next generation or charity. Jaime is an Investment Advisor Representative under Planners Alliance, LLC, a SEC Registered Investment Advisory Firm. She currently holds a Series 65 license and life and health insurance license in multiple states. She is also certified in long term care planning. In addition, she obtained extensive training in the area of social security and holds the certificate of National Social Security Advisor.

Jaime has been quoted or featured in Kiplinger’s Personal Finance, Advisors Magazine, U.S. News and World, Yahoo Finance, The NY Daily News and MSN Money.

Jaime is a former basketball player at St. Clair County Community College where she earned a full athletic scholarship and credits her many years of playing the sport to developing a great work ethic, discipline, and leadership skills.

After graduating from Oakland University in 2004 with a B. A., she developed a passion for helping people achieve their financial goals while working at Fifth Third Bank as a personal banker. Working at the bank made her realize that she wanted to be able to help people achieve a wider range of financial planning goals. She then pursued a new agent training program at MassMutual Financial Group in 2005 where she remained a career agent for three years. During that time, she met her mentor and had the benefit of his knowledge and mentorship in years that followed. In 2014 Jaime formed Unity Financial Advisors. She prides herself on her personal service, independence, and objectivity to provide the best solutions to her clients.

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P: (248) 792-6077
F: (248) 460-4401

Kyle O'Brien
Account Manager

Kyle O’Brien is the Account Manager at Unity Financial Advisors. Kyle handles the day to day client services and the processing of new business for the firm. He takes pride in providing extraordinary service to clients. He has spent most of his professional career in the Financial Services industry, where he has proven to be a goal-oriented leader with tremendous work ethic, great attention to detail, and the ability to implement new and unique ideas. Kyle graduated from Central Michigan University with a Bachelor’s degree in Personal Financial Planning and holds his Series 65 license, as well as his Life & Health Insurance License with the State of Michigan.

In his spare time, Kyle enjoys spending time with his family and friends, traveling, and playing golf. During the summer months, he loves visiting his cottage on Harsens Island and traveling to northern Michigan.

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P: (248) 885-8178
F: (248) 460-4401

Tamika George
Office Manager

Tamika began her career in Office Administration within the Financial industry over 10 years ago with Raymond James. Continuing her career in Office Administration, she went on to work for BNY Mellon, Computershare and Mass Mutual to learn other facets of the business like stock transfers, life insurance and annuities, in order to best serve the clients she worked with. Tamika is at the forefront of ensuring that the office runs in an organized and efficient manner and treats each and every client with the utmost respect.

Tamika enjoys going to the movies and shopping. She has a strong passion for going on vacations and seeing the world with both family and friends.

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P: (248) 885-8178
F: (248) 460-4401

Rose Mifsud
Administrative Coordinator

Rose has an extensive background in office administration. She began her career at a brokerage firm in downtown Detroit where she spent ten years and was promoted to Office Manager. Later she worked as the personal assistant to the CEO of an Executive Search Firm. Since joining Unity Financial Advisors, her attention to detail and problem solving abilities have made her an intricate part of the Unity team. She strives to treat each client with the utmost respect while helping to ensure that the office runs in an organized and efficient manner. 

Rose is an avid gardener and belongs to the local garden club. She also donates her time to the Livonia Public Library and enjoys reading in her spare time, mysteries and biographies are among her favorites. She has two children, and along with her husband, Dan, enjoys boating on Otsego Lake in Up North Michigan.

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P: (248) 885-8178
F: (248) 460-4401

Robbie Kafcas
Events Coordinator

Robbie spent much of her career working in the field of education. After graduating from Michigan State University with a BA in Education, she taught elementary and middle school for nearly twenty years. In 1996, she received a MA in Educational Administration from Saginaw Valley State University. She spent twelve years working as a school principal before retiring from public school education in 2012. Still drawn to the idea of "education," she became insurance licensed in the state of MI and began working at Unity Financial Advisors. Her great organizational skills and administration experience as a leader enhance the Unity team.

She lives with her husband in Traverse City, MI where they enjoy outdoor activities, traveling, and family.


Investment Team

Members of the Investment Team are licensed with Advisory Alpha, LLC, a SEC Registered Investment Advisor.


Steve Osterink, Jr., CFA®, CFP®, AIF®  

Steve Jr. is the driving force behind the development and innovation of our investment solutions. Bringing more than a decade of experience, as well as extensive knowledge of personal finance and asset management as evidenced by his CFA®, CFP®, and AIF® designations, Steve Jr. serves as the head of the Investment Team.  Steve is passionate about educating investors, effectively communicating complex financial matters in a simplified manner, and addressing common financial misconceptions. Steve Jr. strives to constantly create new resources and methods to not only improve the financial advice delivered to investors but help financial advisors better serve their clients.


Steve Osterink, Sr.

Steve Sr. began his career in the financial services industry nearly 40 years ago.  He has vast experience working directly with clients and has built a thriving financial advisory practice of his own.  Steve Sr. co-leads the Investment Team and is also instrumental in supporting financial advisors based on his extensive experience. Around our offices, he has an uncanny ability to focus in on practical solutions to complex problems, and his wisdom is a valuable resource for virtually every component of the firm. Further, his leadership and counsel are critically important as the Investment Team strives to navigate the ever-changing global economy and financial markets.


Jon Lohr, CFA®

Jon manages the daily investment research and portfolio management responsibilities for the Investment Team.  This includes a broad range of functions such as, asset allocation research, fund monitoring and due diligence, investment strategy evaluation and implementation, and performance monitoring.  Jon has a diverse background in corporate finance and investment management, but also a strong passion for the industry which is demonstrated by his successful completion of the Chartered Financial Analyst (CFA®) program. 


Nick Heinrich, CFP®

Nick has an unwavering focus on helping clients achieve their financial goals and aspirations by serving as a dedicated financial planning consultant for our advisor partners.  As a part of this process, he leads the development and implementation of the firm’s portfolio analysis and planning resources designed to improve the financial situation for clients. With his successful completion of the Certified Financial Planner (CFP®) program, Nick is positioned to craft comprehensive solutions to complex financial challenges that span across all components of the financial planning process.


Brian Kragt

Brian is responsible for the firm’s trade management processes which includes everything from implementing portfolio investment decisions, account rebalancing, cash management functions, and trade execution.  With a strong attention to detail and dedication to responsiveness and efficiency, Brian also manages our portfolio management system. This system is foundational to all back-office functions including, transaction reconciliation, account billing, as well as client reporting and web access.


Mike Baker

Mike has a background in computer science and statistics which aids in his role as Technology Director and as a key member of the operations team. He leads our technology initiatives and data management processes as well as supports the portfolio accounting and trading functions.


Janine Osterink

Janine manages our accounting and financial systems, human resources functions, and office operations. She is also a key member of our compliance team and supports various departments across our firm including trading, financial planning, performance reporting, and account billing.


Katie Koeman

Katie leads our compliance team through her broad knowledge of both corporate and branch-level industry compliance. She is a CFP® Candidate and her consultative approach contributes to a culture of strong regulatory adherence while helping to ensure effective communication.