Meet the Team













Pam Kruger

Owner of Kruger Consulting 





Pam is a veteran of the insurance business since 1989 and investment business since 1995. She is a Registered Representative in the states of Ohio, Florida and Arizona for J.W. Cole Financial, Inc. member FINRA/SIPC located in Tampa, FL. She currently holds a Series 6, 63, and 65 Securities Registration along with Life, Health, Variable Annuity and Property/Casualty state licenses. Pam is also an Investment Advisor Representative with Cornerstone Asset Management Services, Inc., and J.W. Cole Financial Advisors to provide fee-based money management services to her clients. Pam graduated from Goldman Sachs 10k Small Business class in December 2019. 



Sue Bigley

Client Support Manager 

Sue joined Kruger Consulting in February 2017. She has over 30 years experience in the banking industry. Sue started her investment career at Bank One in 1998 as a Financial Advisor and transitioned over to Citizens Investment Securities in 2008 to 2017 as a Financial Consultant. She is a Registered Representative in the states Ohio and Florida for J.W. Cole Financial, Inc., and currently holds a Series 6, Series 7 & 63 Securities Registration along with Life, Health, and Variable Annuity State Licenses. Sue's career has been based on developing and deepening her relationships with her clients and their families by providing them a personalized, caring service. Sue resides in Amherst with her husband John and their Labrador retrievers. She enjoys spending her free time in Marblehead, OH with her family and friends boating on Lake Erie.



Judith M. Metzler*

Registered Paralegal

Judie is a Registered Paralegal through the National Federation of Paralegal Associates and maintains a Paralegal Membership with the Ohio State Bar Association – Member No. 29248. She began her career at a local law firm in 1975 and ventured out in 1985 when she founded Executive Legal Services to offer independent paralegal services to local attorneys. Judie specializes in the areas of estate planning, probate and estate administration, and trust administration. Judie attended Meyers University in Cleveland, Ohio. Judie was commissioned as Notary Public for the State of Ohio in 1974. Judie is Past President and Treasurer of the Rotary Club of Garfield Heights. Judie was featured in a Legal Affairs article published in the Crain's Cleveland Business issue dated August 17, 2005. Judie is active in various community volunteer organizations and charity organizations. Judie enjoys golfing, being outdoors, and spending time with her family.



Effie Trihas*

Certified Public Accountant (CPA)

Effie has over 25 years of tax and business advisory experience. She offers tax advisory, planning, and preparation services to individuals as well as small, privately-held companies. Effie has provided consultation on complex accounting and tax-related issues for individuals and business entities in a variety of industries including manufacturing and distribution, construction, and not-for-profit.


*Not affiliated with JW Cole Financial, Inc. or JW Cole Advisors, Inc.