Our Team

Our Team

The people who work at Hendricks Financial Services not only have the knowledge and experience to help you pursue your financial goals, but they also happen to be extremely great folks! Our staff is always ready to address your concerns, answer your questions, and put you at ease.

Lynn Hendricks, CFS®


Lynn Hendricks, CFS®, is the founder of Hendricks Financial Services and assists clients using a variety of customized retirement, education, and estate planning strategies. She started the company in 1984 as a tax/tax planning practice and added full financial and investment services in 1995. Lynn is a graduate of Bowling Green State University and holds a master's degree from Michigan State University. Her credentials include:

  • Five Star Wealth Manager Award* Recipient 2010, 2012, 2013, 2014, 2015, 2017 and 2018 
  • Certified Fund Specialist®
  • Investment Advisor Representative
  • Investment Company and Variable Contracts Principal
  • Uniform Securities State Representative
  • Financial Operations Principal
  • Corporate Securities Ltd. Representative
  • Life Insurance Licensed
  • LTC Partnership Certification
  • Member, National Association of Tax Professionals
  • Member, Financial Services Institute

As a speaker at national conferences and summits across the country, Lynn has shared her insights and expertise on various aspects of the financial services industry. Lynn has also been sought out as a mentor to many other financial advisors.

Lynn, married to Rick since 1981, enjoys gardening, biking, travel, and her "menagerie," which includes Caitey, the Pooka, Pete, Tallie, Bisou, Buzz, Bella, and Willow.


Lynn Hendricks is proud to have been recognized as a President's Club advisor for 2018—a distinction based on annual production attained by 13 percent of advisors affiliated with Commonwealth Financial Network®.

Each year, Commonwealth, a dually registered broker/dealer and investment adviser who helps us process investment transactions on your behalf, recognizes President's Club advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. President's Club advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.

*Five Star Award is based on 10 objective eligibility and evaluation criteria, including a minimum of 5 years as an active credentialed financial professional, favorable regulatory and complaint history, accepts new clients, client retention rates, client assets administered, education, and professional designations. 2,255 Denver area wealth managers were considered for the award; 267 (12 percent of candidates) were named 2018 Five Star Wealth Managers. (The criteria provided reflect the most recent year for which advisor received the award. The criteria used, the number of wealth managers considered for the award, and the percentage of those who receive the award may vary from year to year). These awards are not indicative of the wealth managers' future performance. Your experiences may vary. For more information, please visit www.fivestarprofessional.com.

Steve Kastrul, ChFC®, CLU®

Owner | Investment Advisor Representative

Steve Kastrul, ChFC®, CLU®,  is the Owner/Investment Advisor Representative. His industry career began in 1990 helping clients and other advisors through his company, Garden Street Financial Group LLC. He joined the team at Hendricks Financial Services in 2018, which became a division of Garden Street Financial Group LLC on April 1, 2019. Through all these resources Steve helps client acheive their vision of financial security and success. His credentials include:

  • Chartered Financial Consultant®
  • Chartered Life Underwriter®
  • FINRA Securities Registrations Series 6, 7, and 63
  • Life Insurance Licensed
  • LTC Partnership Certification
  • Member, National Association of Insurance and Financial Adivsors

Steve is a current member of the National Association of Insurance and Financial Advisors (NAIFA), and he has previously been involved with the Society of Financial Service Professionals (SFSP), the LTC Alliance, the North Denver Coalition for Seniors, and the Southwest Denver Coalition on Aging. Steve has lived in the Rocky Mountain region since 1983, coming to Colorado as a graduate of the University of Wisconsin – Madison. He and his family live in the Platt Park neighborhood of Denver where they are active running, biking, and helping build a stronger community.

Rick Hendricks, DPT

Operations Manager

Rick Hendricks is our Operations Manager, primarily responsible for technology and client communication. Rick has been a member of Hendricks Financial Services since 2008 and is a registered sales assistant. In addition, Rick is an associate professor in the physical therapy doctoral program at Regis University in Denver, Colorado. In his spare time, Rick enjoys traveling, biking, running, and basketball. Rick graduated from Bowling Green State University and received his master's degree from Michigan State University and his doctorate from Regis University. His credentials include:

  • Investment Company and Variable Contracts Representative
  • Uniform Securities State Agent
  • Member, Financial Services Institute

Lanae Novak

Executive Administrative Assistant

Lanae Novak is our executive administrative assistant. Lanae has been a part of Hendricks Financial Services since 2018 and is new to Colorado. She has relocated from Wisconsin where she lived for the last 12 years. Lanae is completing her Bachelor's degree with Western Governor’s University and is expected to graduate at the end of 2019. She has over 10 years in the administrative field and almost 7 of those years, specifically, in the financial industry. In her spare time, Lanae enjoys traveling, hiking, teaching yoga, and walks with her dog, Lucky.