Tyler Mccullough is a financial advisor with W&S Advisory Services, LLC, holding Series 65 and Series 63 licenses and bringing four years of industry experience. He is also a partner in Plastics Reimagined LLC, an entity established to hold a pending patent unrelated to securities. W&S Advisory Services serves parents and custodians through a digital-first UGMA wrap-fee program delivered via Fabric’s platform and offers standalone comprehensive financial planning through agents of Western & Southern Life. The firm employs a model portfolio approach with non-discretionary, automated allocations and is noted for its fintech-driven onboarding and fee structure.

Patrick Dulzer is a financial advisor at W&S Advisory Services, LLC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Western & Southern Life since 2016 and W&S Brokerage Services since 2010. W&S Advisory Services, LLC serves parents and custodians through a digital-first UGMA wrap-fee program delivered via Fabric’s platform and also offers comprehensive financial planning through agents of Western & Southern Life. The firm uses non-discretionary, automated model portfolios managed by Fort Washington Investment Advisors and emphasizes a fixed-fee structure rather than traditional AUM-based billing.

Aaron Steffan is a financial advisor with W&S Advisory Services, LLC, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 22 years of industry experience, including roles at W&S Brokerage Services since 2013 and Western Southern Life since 2001, where he currently serves as a full-time sales manager. W&S Advisory Services, LLC serves parents and other custodians through a digital-first UGMA wrap-fee program delivered via Fabric’s platform and offers standalone comprehensive financial planning through Western & Southern Life agents. The firm employs a model portfolio approach with automated, non-discretionary allocations managed in partnership with Fort Washington Investment Advisors, focusing on custodial accounts with fixed fees rather than asset-based billing.

Kyle Gleich is a financial advisor with W&S Brokerage Services, Inc. in New Albany, OH, holding Series 63 and Series 65 credentials and possessing 14 years of industry experience. He has been with W&S Brokerage Services since 2011 and also works as a full-time sales agent for Western Southern Life. Gleich serves as an alumni advisory board volunteer for St. Charles Preparatory School. W&S Brokerage Services, Inc. is an SEC-registered investment adviser and FINRA-member broker-dealer that offers a model-based, discretionary wrap-fee asset allocation program serving individual clients, retirement plans, and institutional accounts. The firm combines investment management with broker-dealer and insurance activities and uses both proprietary and third-party funds within its program.

Hussain Ali is a ChFC® credentialed financial advisor with 25 years of industry experience, currently affiliated with W&S Advisory Services, LLC. He has worked at Fort Washington since 2000. Outside of his advisory role, he serves as an executor of an estate and is a member of the Youngsville Chamber of Commerce. W&S Advisory Services, LLC specializes in non-discretionary investment management for UGMA accounts through the Fabric by Gerber Life digital platform, offering custodians a choice among model portfolios managed by Fort Washington Investment Advisors. The firm operates as a subsidiary of Western & Southern Financial Group and is noted for its fixed fee arrangements and digital-first approach to portfolio management.

Timothy Stearns is a financial advisor with W&S Advisory Services, LLC in Cincinnati, OH, holding Series 65 and Series 63 licenses and bringing 30 years of industry experience. He has been affiliated with Touchstone Securities Inc and IFS Financial Services Inc since 2013. W&S Advisory Services, LLC serves parents and custodians through a digital-first UGMA wrap-fee program via Fabric’s platform and offers comprehensive financial planning through Western & Southern Life agents. The firm employs a model portfolio approach with non-discretionary, automated allocations and is notable for its wrap-fee UGMA structure and fintech-enabled client onboarding.

James Schleicher is a ChFC® credentialed financial advisor with 17 years of industry experience, currently with W&S Advisory Services, LLC. He has worked with Western Southern Life and W&S Brokerage Services since 2008. Outside of his advisory role, Schleicher is involved in leadership and motivational speaking through Team IBB, LLC, has published an online book titled "It Starts with a Plan," teaches leadership essentials at Lake Erie College, and volunteers with the Tommy Deroia Foundation, a nonprofit focused on addiction awareness. W&S Advisory Services, LLC provides non-discretionary investment management for UGMA accounts through the Fabric by Gerber Life digital platform and offers standalone financial planning services. The firm operates as a subsidiary of Western & Southern Financial Group and is noted for its wrap fee program focused on minor accounts, utilizing model portfolios managed by an affiliated sub-adviser.

Gareth Caluducan is a financial advisor at W&S Advisory Services, LLC with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with W&S Brokerage Services and Western Southern Life since 2016. Outside of his advisory role, Caluducan is involved in community outreach and serves on the board of a local career mentorship organization; he is also a co-owner of a professional wrestling training school and related apparel business. W&S Advisory Services, LLC serves parents and custodians through a digital-first UGMA wrap-fee program offered via Fabric’s platform, alongside comprehensive financial planning through Western & Southern Life agents. The firm employs a model portfolio approach managed by Fort Washington Investment Advisors and distinguishes itself by using a fintech-driven custody and onboarding process with fixed fees rather than traditional AUM-based billing.

James Hynd is a CFP® and ChFC® with 18 years of industry experience, currently serving as the sole advisor at W&S Advisory Services, LLC. He has been affiliated with W&S Brokerage Service since 2007 and Western Southern Life since 2006. Outside of his financial advisory work, he engages in personal development speaking engagements. W&S Advisory Services, LLC provides non-discretionary investment management for UGMA accounts through the Fabric by Gerber Life digital platform, primarily serving custodians managing minor beneficiaries' assets. The firm employs model portfolios managed by an affiliated sub-adviser and operates as a wholly owned subsidiary of Western & Southern Financial Group.

Robert Neff is a financial advisor with W&S Advisory Services, LLC, holding Series 65 and Series 63 credentials and bringing 11 years of industry experience. He has worked at Western Southern Life and W&S Brokerage Services since 2015. Outside of his financial career, Neff is the author of the book "Retirement: What Could Go Wrong?" and owns a YouTube channel focused on backyard BBQ content, generating revenue through ad sales and affiliate marketing. W&S Advisory Services serves parents and custodians through a digital-first UGMA wrap-fee program offered via Fabric’s platform, as well as standalone comprehensive financial planning. The firm employs non-discretionary, model-based portfolios managed with oversight from Fort Washington Investment Advisors and emphasizes a fixed-fee structure distinct from traditional asset-based billing.