Our Team
Tony Gonzalez is the founder and co-owner of Independent Capital Management in Coldwater, Ohio. Tony graduated from Xavier University in 1991 with a degree in Finance. He holds his Series 7, 63 & 65 licenses with LPL Fianncial, as well as holding life, health, and annuity licenses. He has over 25 years of experience in finance and financial advising. He started his practice, formerly WKG Financial Advisors, in 1997. He enjoys reading about past and current market history and activity and studying the wide range of investment information that is available.
Prior to becoming a Financial Advisor, Tony was a branch manager for U.S. Bank of Cincinnati, and an assistant branch manager for Beneficial Finance Corporation in Dayton, Ohio.
Tony has been married to Kathy (Knapke) for over 30 years, and they have three sons. He is a supporter of many local organizations that fund community-minded projects. In his free time, he enjoys being with his family. He also enjoys distance running. Tony has participated in most of the recent Mercer Health 5K Challenge races, the Minster Oktoberfest 10K, several half marathons, and marathons which include the Bank of America Chicago Marathon, the Nationwide Children's Hospital Columbus Marathon, and the Indianapolis Monumental Marathon.
Bob Knapke is co-owner of Independent Capital Management. He has 25 years of experience managing investments and designing retirement plans. He holds a Bachelor's degree from The Ohio State University, holds his Series 7, 63 & 65 licenses with LPL Financial, as well as holding life, health, and annuity licenses with the state of Ohio. Bob is an active member of several conservation organizations. He has been married to Heather for over 20 years, and they have three sons. He and his family also raise cattle. His sons are involved in their local 4-H, and Bob helps with their hands-on efforts. He enjoys fishing, boating, and spending time with his family.
Kathy Gonzalez* has been an administrative assistant at Independent Capital Management since 2009. She has the responsibility of running the office efficiently, directly supporting financial advisors, and supervising other office activities and employees. She holds a Bachelor of Science from Xavier University. Kathy has been married to Tony for 30 years and has three sons. She enjoys reading, cooking, and doing a variety of fitness activities including teaching group fitness. *Kathy is not registered with LPL Financial.
Ryan Wilker joined Independent Capital Management in May of 2019. He is a Registered Paraplanner and holds his Series 7, 63 and 66 licenses with LPL Financial in addition to a life and annuity license with the state of Ohio. He is responsible servicing of client portfolios and accounts. Ryan received his undergraduate degree from the University of Dayton in 2016 and completed his Master of Business Administration degree from Northern Kentucky University in 2019. Prior to joining Independent Capital Management, Ryan was a graduate assistant in the athletic department at Northern Kentucky University and before that an athletic department intern at Villanova University. Ryan lives in Montezuma. In his free time, Ryan enjoys spending time with his family and friends, as well as attending sporting events and concerts.
Emily Unrast*, Administrative Assistant, joined Independent Capital Management in April of 2021. In her role, she provides valuable back-office support to the advisory team by preparing new account paperwork, verifying beneficiary information, assisting with compliance processes, and helping maintain accurate client records. Emily is service-oriented and takes pride in supporting both the advisors and clients with care and attention to detail.
Emily earned her Bachelor of Education degree from The University of Toledo. Prior to joining Independent Capital Management, she worked as a high school science teacher.
She resides in Coldwater with her husband and twin daughters. Outside of work, Emily enjoys spending time with family and friends, swimming, hiking, and refinishing old furniture.
*Emily is not registered with LPL Financial.
Jack Gonzalez joined Independent Capital Management in September of 2022. He is a Registered Paraplanner and hold his Series 7, 63, 65 & 66 licenses with LPL Financial. He supports client account servicing and meeting preparation contributing to the overall efficiency and effectiveness of the team. Jack received his undergraduate degree in Finance from Xavier University in May of 2022. Jack resides in Fort Recovery, Ohio. In his free time, he enjoys following his favorite sports teams, going to the shooting range, and trying new foods and restaurants.
Josh Gonzalez joined Independent Capital Management in the summer of 2024. He is a Paraplanner and holds his FINRA Series 7 license with LPL Financial. He is responsible for client account service support and assists with meeting preparation. Josh received his undergraduate degree in Finance from Xavier University in May of 2024. Josh and his wife, Amanda, and son, Judah, reside in Fort Recovery, Ohio. In his free time, he enjoys watching basketball, running, swimming, and cooking.
Betsy Snyder* joined Independent Capital Management in October 2025 and serves as the welcoming face of our office at the main desk. She expertly coordinates scheduling, client processing, and guest hospitality to help ensure each client experience runs smoothly and efficiently.
Betsy earned her associate’s degree in Business Management from Cincinnati State Technical and Community College. Prior to joining Independent Capital Management, she built a strong background in sales and customer service within the manufacturing industry.
Betsy resides in Coldwater, Ohio with her husband and three children. Outside of the office, Betsy enjoys spending time outdoors with her husband and children. She loves gardening, planting flowers, and recently started a family garden. In her free time, she also enjoys watching sports — especially cheering on the Cincinnati Bengals — and making memories with family and friends.
*Betsy is not registered with LPL Financial