Meet the Team

Providence Financial

Sharon Cardwell
Business Development

Sharon is our introductions manager, making sure you feel at home while you get to know us during our initial meetings, by blending her love of people with her accounting and business background.

If you’ve ever experienced the trepidation of the first day at a new school, you likely experienced the warmth of that one super friendly student that helped you find your locker, your homeroom and probably ate lunch with you. The person that fills that role at Providence is Jefferson City native Sharon Cardwell. She has mid-Missouri woven into her DNA from spending long summer days on her grandparent’s farm near Hermann, filling her childhood with memories of pinochle and strawberry picking with Grandma and riding the tractor with Grandpa. Her entrepreneurial parents taught her hard work and business acumen through the many businesses and rental properties they owned throughout their careers.

After graduating from Jefferson City High School, she earned an accounting degree from Southwest Baptist University, which opened the door for the internship where she met her future husband, Allan, also a Jefferson City native, with whom she shares two children and one Havanese dog (although it is rumored that she shares the children more readily than the dog).

Upon returning to Jefferson City she worked as an accountant for Scholastic and the Missouri Baptist Foundation before following in her parent’s footsteps to start her own scrapbooking business with Creative Memories, which she ran for over a dozen years. Her love of getting to know people and helping them tell their stories propelled her to the top 1% of the salesforce, earning 9 trips along the way (her favorite was a Mediterranean Cruise).

Her business acumen combined with her friendly, affable nature ensures you are comfortable as you go through the process of deciding if we are the right folks to help you guide your finances in your retirement years.


Providence Financial

Mary Ann Semkin
Client Services

Mary Ann joined Providence Financial as an administrative assistant, and works tirelessly as our Client Services Manager, with many years of experience working with customers and their retirement solutions.

The life and achievements of Providence’s Client Services Manager Mary Ann Semkin are a testament to the dividends of life in a close-knit community. When at age 4 she needed experimental brain surgery, her hometown of Osceola, MO hosted “Mary Ann Day” and raised the funds to make it possible. The success of that operation propelled her into a life that has compounded Osceola’s generosity to her many times over.

Working many of her teenage summers as a counselor at Wonderland Camp in Rocky Mount, MO, she took responsibility for the daily care of campers with developmental disabilities and helped them live life to the fullest. Following her senior year at Clinton High School, she embarked on a 9-day tour of Europe before beginning her higher education at Rockhurst College in Kansas City. Once again displaying her love and eagerness to help others, she worked as a patient affairs coordinator for KU Medical Center while also filling volunteer responsibilities in Social Work and the burn unit.

Shortly after completing her bachelor’s degree in Psychology in 1996, she married Todd Semkin who had also recently completed his Master’s Degree in Vocational Counselling. Settling in Clinton, MO, MaryAnn managed the Clinton Senior Center organizing home delivered and onsite meals as well as the volunteer staff.

n 1997, they moved to Jefferson City where Todd began working for the Department of Elementary & Secondary Education in Vocational Rehabilitation and MaryAnn became a Customer Service Representative for Nationwide Retirement Solutions (PEBSCO), where she met Andy, who was the Director.

Upon the birth of their son Jackson in 2002, she began a stint as a full-time wife and mother. When Jackson entered school, Mary Ann accepted Andy’s invitation to join Providence Financial, LLC as an administrative assistant.


Providence Financial

Australia Cunningham

A native of Jefferson City, Missouri. Australia graduated from Mt. Zion Christian Academy. She would later begin working in the school until 2012.

From the beginning Australia loved working with people of all ages regardless of race or creed. Australia continued her journey caring for others while working at Jefferson City Medical Group Pediatrics and in the OB at St. Mary’s hospital in Administration. Even as a full-time employee, Australia was determined to continue her education and worked to earn her Diploma in Medical Transcription and Administration in 2016. Later in her career Australia began working at the University of Missouri as a Business Support Specialist II in the Civil Engineering Department.

Australia now lives locally in Jefferson City with her husband Willie. The two are natives of the city. The couple met as children playing in the park. Little did they know that their initial connection as youths would lead them down the alter together one day. Australia’s deepest passion is using her gift of singing to praise The Lord. Australia attends and adores her Church Family at Mt. Zion Baptist Church. When she is not serving others in her community and workplace Australia also loves making Christian music and traveling to fun places with her husband.


Providence Financial

Jon Turner
Paraplanner

As a paraplanner, Jon focuses on prospective and existenting client needs while working directly with Andy to serve our clients the best way possible, while learning the tools of the trade on his way to becoming a financial advisor.

Born in Paris, Missouri, Jon is well acquainted with rural Missouri life. His days were spent being a member on several sports teams, school organizations, and personal hobbies. Throughout the many hours learning techniques, making friendships, and memories he has learned the value of consistency, hard work, and determination. These values were evident in the multiple accolades awarded to Jon in both the classroom and on the field.

A graduate of Columbia College, Jon was attentive and driven in the classroom, where he graduated with Cum Laude Honors. While at Columbia College, Jon met his wife Marina, recently married, Jon and Marina are eager to become active members in the Jefferson City community.