Charles David Marsh

I'm Julie Kist, CFP®, founder of Kelos Wealth Planning. I help people make smarter financial decisions throughout their working years and into retirement through planning-first advice that integrates tax strategy into every stage of life. Rather than treating investments, taxes, retirement income, and estate planning as separate conversations, I help clients understand how every decision affects the next, so every piece of the plan works together—not in isolation. My clients include people preparing for retirement, already living in retirement, or navigating significant life transitions such as the loss of a spouse, divorce, or a career change. I also work with many women stepping into the role of primary financial decision-maker, often for the first time. Whether we're optimizing where and how you save today or making decisions about Social Security, Roth conversions, Medicare, and retirement income, the goal is the same: helping you make confident decisions with a clear understanding of your full financial picture. I've spent more than 25 years in financial services across institutional consulting and personal financial planning, with one guiding belief: financial planning changes lives when it's proactive, personal, and purposeful. As a fee-only fiduciary, I'm compensated only by my clients, so my advice is never influenced by commissions or product sales. At Kelos, you'll always work directly with me in an ongoing relationship built on thoughtful planning, proactive communication, and attention to the details that matter most.

I work closely with families, business owners and young professionals to provide advice on retirement planning, investment and risk management, cash flow and debt management, estate planning and tax strategies. I work with business owners and employees to help not only with their personal finances but also the company retirement plans. I started Incline Wealth Advisors to provide a deeper level of service to local business owners, retirees and company retirement plans. I graduated from Thomas More University and was a member of the men’s basketball team. I earned my certificate in financial planning from Xavier University. Outside of work I enjoy spending time with my wife and five children. I also enjoy playing and coaching basketball. Certifications: - CERTIFIED FINANCIAL PLANNER Community Work: - Elder High School Board of Trustees - Chair of the Investment Committee - Western Economic Counsel: Board Member & Treasurer - Our Lady of Visitation Basketball Coordinator - Former: Make-A-Wish Foundation: Emerging Leader Advisory Board Member - Former: Thomas More Alumni Association: Board Member.

Michael Muth is a financial advisor at QCFO, LLC with nine years of industry experience. He holds a Series 65 designation and has worked previously at Osborne Williams and Formidable Asset Management. Outside of finance, he is the COO of Seven Hills Foods, an organic food company, where he oversees sales, production, logistics, and inventory. QCFO, LLC provides investment and wealth management primarily to individuals, high-net-worth investors, family trusts, charitable foundations, and qualified plans. The firm emphasizes a scientific, engineered portfolio construction focused on global diversification and risk control, offering discretionary portfolio management along with coordinated tax and advanced wealth-transfer planning.

Bruce Russo is the principal of Russo Investment Management in Cincinnati, OH, with 19 years of experience in financial advising. He holds the PFS™ designation along with Series 63 and Series 65 licenses. Russo has a long tenure at The Kroger Co., where he has worked since 1995. Russo Investment Management serves individual and high-net-worth clients by providing asset management, financial planning, and integrated tax preparation services. The firm follows a Modern Portfolio Theory-based investment approach, emphasizing long-term asset allocation using primarily no-load and index mutual funds, and operates as a CPA practice that combines tax planning directly with its advisory services.

Justin Wolterman is a financial advisor at J1 Capital LLC in Cincinnati, OH, holding a Series 65 designation with five years of industry experience. He previously worked for American Mortgage Service Company from 2008 to 2020 before founding J1 Capital LLC in 2020. J1 Capital LLC provides discretionary investment management and financial planning services to high-net-worth individuals, trusts, estates, charitable organizations, and business entities. The firm employs a macro-oriented, asset-allocation strategy that incorporates fundamental and technical analysis, routinely using options and other derivatives for income generation and hedging tailored to each client’s objectives and risk tolerance.

Shawn Hannegan is a CFP® professional with six years of experience as a financial advisor at Hannegan Wealth Management, LLC. He also owns and operates an accounting firm, Shawn P. Hannegan CPA, LLC DBA Hannegan & Associates, which he has managed since 2013. Prior to his advisory role, he worked at First Financial Bancorp for three years. Hannegan Wealth Management is an independent, single-advisor firm serving individuals, high-net-worth clients, corporations, and business clients. The firm employs a primarily passive investment approach focused on low turnover and tax efficiency, combining fundamental analysis with modern portfolio theory and utilizing third-party sub-advisors for portfolio management.