With nearly two decades of experience in financial services, Cheryl Norman’s practice has a diverse national client base with a focus on the northern tier of Ohio. Her attention to detail and dedication to her client’s economic well-being has developed into a proficiency in working with individuals who want to apply a detailed and methodical approach as they build their personal financial plan.

Cheryl can guide you in putting the proper financial approach and tools in place for your individual situation. She is an advisor who will be with you as you navigate through the milestones in your life. She will take an expansive look at where you are now and assist you in developing a plan to reach your goals. Cheryl is committed to providing consistent service and communication. In particular, on-going monitoring of your strategy and financial portfolio is a vital component of the service that Cheryl will provide to assist with the pursuit of your financial goals.

Cheryl’s areas of concentration include investment portfolio design, retirement strategies (both accumulation and distribution), college education planning, and risk management analysis (life insurance, long-term care, disability income.)

Contact Cheryl

cheryl@flagshipcapitaladvisors.com
(877) 842-9535

As a Certified Financial Planner™ (CFP®) and Certified Exit Planning Advisor (CEPA®), James brings a client-first approach to helping individuals and business owners achieve clarity and confidence in their personal and financial lives. With more than a decade of experience, he has built a reputation for combining technical expertise with a genuine commitment to putting people at the center of every custom plan.

James joined Flagship Capital Advisors in 2024, where he continues to serve clients with thoughtful, individualized strategies. His CFP® designation reflects his dedication to guiding families through retirement, investment management, and life’s financial milestones, while his CEPA® credential allows him to uniquely support business owners. Using the Value Acceleration Methodology™, James helps entrepreneurs build more valuable companies, strengthen personal financial plans, and align business growth with long-term personal goals—including successful exits. Exit planning is good business strategy!

For James, financial planning goes beyond numbers and portfolios—it’s about building relationships and translating complex financial concepts into clear, actionable strategies. Whether it’s designing a retirement plan, maximizing investment opportunities, or creating an exit strategy for a business, James is a trusted partner who walks alongside his clients at every stage.

Outside of work, James enjoys an active life with his wife and young growing family. A hobby golfer, hiker, and skier, he values time spent outdoors and brings the same focus and discipline from those pursuits into his professional work with clients. He also supports his Boy Scout Troop 382 where he earned the rank of Eagle Scout with the help of his friends and family.

Contact James

james@flagshipcapitaladvisors.com
(330) 754-2826

A dedicated operations professional with a passion for client service, Nicholas brings a wealth of expertise to his role as Director of Operations. Based in the Toledo office, he rejoined Flagship Capital Advisors in 2023, drawing on more than a decade of experience in operations, account management, and production within the advertising industry.

In addition to overseeing the firm’s operations, Nicholas plays a key role in driving new business development, as well as managing the firm’s marketing and content creation. His comprehensive knowledge of client needs and internal processes allows him to deliver exceptional service and ensure smooth, efficient execution across all areas of the firm’s operations.

Outside of his professional role, Nicholas enjoys spending time outdoors, especially at Posey Lake in Hudson, Michigan. He is a Third Degree Knight of Columbus and actively volunteers with Catholic Charities (Diocese of Toledo) and his home parish, St. John 23 in Perrysburg, Ohio.

He resides in Perrysburg with his wife and young son. With a steadfast commitment to excellence, Nicholas is dedicated to helping clients navigate their financial journeys with confidence and care.

Contact Nicholas

After graduating in 2025, she officially became part of the firm, bringing a strong attention to detail and a dedication to supporting both clients and advisors.


In her role as Client Service Associate, Ashley plays a vital part in ensuring that the client experience is seamless from account opening through ongoing service. She maintains the firm’s database, processes account updates and supports a wide range of client service requests with accuracy and efficiency.


Behind the scenes, Ashley helps the advisory team deliver the high level of service clients expect by leveraging Flagship Capital Advisors’ technology and operational resources. Her commitment to precision and responsiveness makes her an important part of the client relationship experience.

Contact Ashley