Meet Your Team.
Allen Costellow, RFC©, ChFC® CEO, Founder, Investment Adviser Representative
Growing up in a family where there was always too much month left over at the end of the money, Allen realized early on he was missing vital information when it came to finances. He has since spent a lifetime educating himself and others on the importance of planning. He is dedicated to helping clients find peace of mind and enjoy their retirement years through a well-thought-out financial plan.
Allen was in his early twenties when he got his start in financial services selling annuities. He immediately made it his mission to learn everything he could from those around him, kicking off a 40+ year journey of continuous learning. In 2012, he opened his own firm, Southern Kentucky Financial Services, working with clients to help maximize their income by minimizing their lifetime tax burden. His approach involves looking at a client’s complete financial picture to build the best possible plan for their unique situation.
“The best advice I can give my clients is not to look for or expect a single product to be the answer,” says Allen. “You have to focus on the right things. The tools that got you up the mountain aren’t the same tools you need coming down again.”
Allen is a licensed financial professional who can offer investment and insurance products and services. He has passed the Series 65 securities exam and holds life, health, long-term care, property, casualty, Medicare AHIP and annuity insurance licenses. He has earned his Registered Financial Consultant (RFC©) and Chartered Financial Consultant (ChFC ©). He has been featured in the Wall Street Journal.
When not helping clients, Allen loves spending his free time camping and working on his small farm with his wife, Glenda, and their menagerie of animals, including their dog, cat, cows, horses and chickens. Allen and Glenda enjoy family vacations to the beach and mountains with their five children and seven grandchildren.
The ChFC® mark is the property of The American College, which reserves sole rights to its use, and is used by permission.
Caleb Costellow President, Licensed Financial Professional
Although he started in the financial industry by following in his father’s footsteps, Caleb’s true inspiration comes from the ability to help clients through pivotal moments and see the positive impact financial planning can have on their lives. With 18 years of experience in financial services, Caleb brings a wealth of expertise and a deep passion for helping clients to his role.
Caleb is known for his unwavering dedication to helping clients work toward their financial goals through well-thought-out retirement strategies. Like his father, Caleb’s philosophy is “have a plan, don’t buy a product,” emphasizing the importance of strategic planning over mere transactional decisions.
When he’s not helping clients, Caleb finds immense joy in worshiping God and spending quality time with his family. Caleb and his wife, Jennifer, share a bustling household with their six children: Jolie, Timothy, Elizabeth, Logan, Peyton and Andrew, and their pets, Magnolia, a German Shepherd, and two cats named Captain Jack Sparrow and Kwazii. In his free time, Caleb is an outdoor enthusiast who loves hunting, fishing and golfing. Additionally, he participates in competitive shooting and is actively involved in his children’s sports activities.
Elizabeth Borders Vice President, Investment Adviser Representative
“You will always find a way to make another dollar, but memories only happen once. The trick to a happy retirement is finding a balance between both and having people you love with you when you find it.”
Elizabeth has always enjoyed helping others reach their goals. When she started in financial services as a bank teller, she quickly discovered she loved finding better processes for completing clients’ requests and helping people find ways to save and grow their money. It wasn’t long before she developed an interest in the advisory side of the financial industry. She joined Southern Kentucky Financial Services in 2019, assisting clients with working out the minute but important details of their plans.
“I love seeing clients get to do the things they’ve dreamed about,” says Elizabeth. “Seeing their vacation pictures, watching them spend more time with family, enjoying long-forgotten hobbies—and sometimes learning new ones—brings me so much joy!”
Away from the office, Elizabeth and her family love to spend time fishing, riding four-wheelers, hiking and enjoying trips to the beach.
Bonita McCoy Licensed Financial Professional
Bonita is driven by a passion for working with people and helping them find the best insurance solutions to fit their needs and goals. With over 30 years of experience in the financial services industry, Bonita has gained a wealth of knowledge she uses to help clients make the most informed decisions about their insurance needs.
Prior to her current role, Bonita was the agency owner at Southern Kentucky Insurance, where she honed her skills in navigating the complexities of insurance coverage for her clients. She holds life, health, property and casualty insurance licenses and is AHIP Certified with a focus on Medicare solutions.
“Don’t expect Medicare to take care of everything,” Bonita advises clients. “Get professional help before you reach retirement age.”
In her free time, Bonita loves to travel with her daughter, Brittany. Together, they have traveled to Barcelona, Alaska, Mexico, and several Caribbean islands and are always excited to plan their next adventure. When not traveling, Bonita loves to spend time with her chocolate labs, Selah and Bentley.
Cori Simpson Client Service Associate
Known for her problem-solving skills and passion for helping people, Cori has the heart of a servant and is known for her empathy to clients and her desire to serve. Our entire office benefits from the many areas where she contributes.
Cori brings a wealth of diverse experiences and a client-focused approach to her role. Her career journey includes serving in the U.S. Army, as well as working as a teacher assistant in a preschool classroom, a private nanny and a customer service representative. Each step has helped equipped her with exceptional leadership skills and an unwavering commitment to providing outstanding client experiences.
Cori and her husband, Sean, are proud parents of two sons, Sean Jr. and Aidan. The family shares their home with Shelby, an English bulldog, and Suzie Q, a goldendoodle. In her free time, Cori enjoys traveling, gardening and spending quality time with family and friends.
Wendy Grys Operations Coordinator
Wendy's journey to SOKY financial began as a client with her husband Peter. She finds great joy in helping clients with the ongoing administrative duties associated with their retirement planning.
With a diverse background as an event business owner, personal banker, and marketing and event coordinator, Wendy brings a wealth of experience and a unique skill set to her current position.
Wendy and her husband, Pete, moved to Bowling Green from the Chicago area. They are the proud parents of two grown children, Shelby and Evan. The family also includes Bailey, their Australian Shepherd, who adds joy and companionship to their household. In her free time, Wendy enjoys traveling, reading and cooking.
Jacqueline Hendricks Client Service Associate
With more than a quarter century of experience in customer service, including significant time working as a personal banker, Jacqueline is passionate about building meaningful relationships and empowering clients to take confident steps toward their goals. After starting her banking career as a teller in 2012, Jacqueline’s love for the industry grew, inspiring her to expand her knowledge so she could support people by helping them navigate resources.
With a bachelor’s degree in music vocal performance from Western Kentucky University, Jacqueline also is a professional singer and musician who enjoys performing solo and singing with several local choral groups. She previously worked as a music store manager and currently is pursuing her business administration degree from Southern Kentucky Technical College.
A resident of Bowling Green for more than 40 years, Jacqueline is the proud mother of two boys — Andrew, who is serving his country as a soldier; and Lucas, who Jacqueline says will one day surprise her with a “billion-dollar idea!” She also is engaged to Jason and has a Cavapoo dog named Charlotte and an American Shorthair cat named Strider.
When she isn’t helping clients, performing or spending time with loved ones, Jacqueline enjoys reading novels — typically from the mystery/horror/thriller genre — and owns a crafting business featuring items she sews and crochets.