Our Team

We have been working with individuals and businesses in the area for several years.

Each of our advisors has extensive personal and professional experience.

Many hold various professional designations, and qualified representatives are licensed to sell a variety of investment and insurance products.

We are dedicated to developing lasting relationships with all our clients. We believe in helping you assess your financial goals and participate in the management of your finances.

One of the benefits of working with us is our ability to provide clear, easily understood explanations of financial products and services. The personalized program that we can provide is a roadmap to working toward a more secure financial future.

We’re looking forward to using our expertise to help you pursue your financial goals.

Keith C. Layman


Keith C. Layman, President

Keith has lived in Fort Wayne all of his life and is a graduate of Concordia Lutheran High School and IPFW. He has been a partner with Apple Tree Financial Services since November of 2006, but began in the financial planning field back in August of 2000. Keith holds a series 7, 66, and 24 and is licensed in numerous states for life, health, disability insurance and investment and investment advisory services. He also holds a license for the Indiana long term care partnership program.

On the personal side, Keith is married to Regina (Isley) Layman, a Northrop and Vincennes University graduate. They have been blessed with three daughters; Gabrielle (Gabby), Reith and Amelia. They are active members of Christ’s Church at Georgetown where Keith serves as an elder on the church’s finance committee and leads a bible study group. He volunteers for Historic Fort Wayne Inc. a not for profit organization that runs and manages the Old Fort Wayne replica on Spy Run, where he serves as the group’s historian. 

Joseph T. Wiegand, Partner

Joe, a Financial Planner and a licensed life, health, accident and long term care agent, entered the financial services industry in 2001.  Joe majored in criminal justice at IPFW from 1993 to 1997.  He received his Certificate in Financial Planning from Florida State University in 2006 and is a member with the Financial Planning Association. 

A lifelong resident of Angola, IN, Joe is active in the community.  He is a member of the Angola chapter of the Barbershop Harmony Society and conducts financial planning and insurance seminars for various groups and has taught a "How to Protect Your Investments in a Turbulent Market" course for Indiana University - Purdue University Fort Wayne.  Joe was a cadet and then reserve officer for Steuben County Sheriff Department from 1995-1999.  He is married to Tammy, his wife of 14 years.  His hobbies are music and photography.

William E. Layman, Registered Representative 

Bill is a Fort Wayne native, and a graduate of South Side High School and Indiana-Purdue Fort Wayne.  He joined Apple Tree Financial Group in January of 2014.  Bill holds Life and Health licenses (including Partnership and Long Term Care certifications); along with a Series 6 and 63 investment certifications.

Bill's wife, Teresa, is also a native of Fort Wayne, and a graduate of Elmhurst High School.  The couple has four children:  Geoffrey, Kirstin, Ashley and Andrew.  Bill's hobbies include working out, reading, writing and most sports.  In his younger years, Bill played semi-professional football in the area, with local teams:  The River City Rhinos and The Allen County Explosion.

Jamie M. Berndt, Administrative Assistant

Jamie is a Fort Wayne native.  She is a graduate of Northrop High School and Ivy Tech where she received her A.A.S. in Business Administration with a concentration in management.  She holds Life, Health and P&C insurance licenses, including Partnership and Long Term Care certifications.  She is a member of Phi Theta Kappa and enjoys running, traveling and spending time with her husband and 2 daughters.


David R. Kern, CLU, ChFC & Chairman, has worked for over 30 years as a financial and investment advisor.  His credentials include the designations of Chartered Financial Consultant and Chartered Life Underwriter. As a Registered Principal with Concorde Investment Services, he is well known locally a financial advisor for high net worth individuals and companies.

David is the former President and owner of Advantage Financial Planning, Inc., DBA David R. Kern Asset Management, a Registered Investment Advisor (RIA) from 1989 through 2014.

David’s personal interests include photography, running, building and flying RC model airplanes, and spending time with his wife Leesa, his sons and their families (which include his five grandchildren), and friends. David is a member of The Society of Antique Modelers (SAM) and the Fort Wayne Flying Circuits, both RC model airplane clubs.   


Leesa Kern, Administrative Assistant.

Leesa has worked in the investment and financial services field for over 13 years, acting as office manager and assistant to David R. Kern.  She is a former salon owner and hairstylist and her background includes motivational speaking, training & marketing for other salon owners. Leesa enjoys photography & creating scrapbooks, jewelry making, all things culinary, and spending time entertaining friends and family.