Senior Wealth Advisor Cristina Wiebelt‑Smith of Gertsema Wealth Advisors embodies Luminaries with Heart through a portfolio of programs that place community, inclusion, and protection at the center of financial planning. Over the past year, she has built and expanded “Women & Wealth Workshops” among others to create safe, recurring spaces where women can learn, share experiences, and step confidently into financial decision‑making roles. Cristina’s impact reaches far beyond women’s groups. Through events like her “Tax Tune‑Up” workshops at senior centers and retirement communities, “Retirement Planning for Self‑Employed Professionals” for local REALTORS, “Smooth Travels Lunch & Learn” for clients and community members, and elementary school career‑day lessons, she serves seniors, independent earners, families, and children with tailored, practical guidance that reduces risk and increases resilience.