Ruth Auer Chady

I specialize in tax, estate, and retirement planning for high-net worth individuals. Rather than leading with products or quick fixes, I starts every relationship by understanding what matters most - your goals, your concerns, and the future you're working toward. I live with my wife and two kids in Aviston, IL and I love playing a round of golf, rooting on the Cardinals, and spending time with my family.

Monica Gamblin is the principal of Integra Wealth Advisors in Saint Louis, MO, holding Series 63 and Series 66 licenses with 20 years of industry experience. She has worked at The Gamblin Group, LLC since 2012, where she is involved in tax representation, financial advising, and tax preparation. Her prior firms include First Heartland Consultants, Inc., New England Securities, and Edward Jones. Integra Wealth Advisors serves individual clients by providing comprehensive financial planning and tax-related services, with a focus on tax expertise as the principal is an IRS-designated Enrolled Agent. The firm acts as a solicitor to third-party money managers, offers educational seminars, and provides consulting on a fixed-fee or hourly basis rather than managing assets directly.

Michael Piper is a financial advisor and principal of Michael Piper, LLC in Saint Louis, MO. He holds the PFS™ designation and Series 63 and 65 licenses, with three years of industry experience. In addition to his advisory role, Piper is the owner and author of Simple Subjects, LLC, a publishing company he has operated since 2008. He also serves as a volunteer board member for the Bogle Center for Financial Literacy. Michael Piper, LLC is a solo-registered investment adviser providing comprehensive financial planning to individuals, high-net-worth individuals, and small businesses. The firm emphasizes passive investing and strategic asset allocation with a focus on tax efficiency, while clients retain discretion over portfolio implementation.

Ethan Oetter is a financial advisor with Long River Investment Management LLC in St. Louis, MO, holding a Series 65 designation and eight years of industry experience. He previously served as Chief Investment Officer for Twin Springs Investments, where he continues to provide administrative support on a contract basis. Long River Investment Management LLC offers discretionary investment management primarily through separately managed accounts for individuals, high-net-worth clients, trusts, foundations, corporations, and certain institutional clients. The firm employs a fundamentally oriented investment process with concentrated equity and globally diversified ETF strategies tailored to client risk tolerance and goals.

Michael Ludgate is a financial advisor with Ludgate Capital and holds a Series 65 designation. He has no prior experience as a financial advisor but has worked in the cybersecurity industry for several years, including positions at At-Bay, eSentire, and TechGuard Security. His background also includes employment at the St. Clair County Treasurer's Office. Ludgate Capital provides non-discretionary investment advisory services and financial planning to individuals, families, trusts, and other clients. The firm emphasizes diversified, long-term portfolio construction informed by fundamental and quantitative analysis and integrates financial and retirement planning into its advisory relationships.

Douglas Ramey is the sole advisor at Saint Louis Investment Advisors Inc., an independent, SEC-registered firm based in Collinsville, IL. He holds Series 63 and Series 65 designations and has 20 years of industry experience, including over two decades at his current firm. Saint Louis Investment Advisors manages approximately $61.5 million for a diverse client base including individuals, high-net-worth clients, institutional accounts, and charitable organizations. The firm employs a strategic asset allocation approach using a core-and-satellite portfolio construction with passive index funds and ETFs as the core and selective active managers as satellites, managing portfolios on a discretionary basis with global diversification.