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.

Michael Muth is a financial advisor at QCFO, LLC with eight years of industry experience. He holds a Series 65 credential and has previously worked at Osborne Williams and Formidable Asset Management. Outside of finance, he serves as COO of Seven Hills Foods, an organic food company where he oversees sales, production, logistics, and inventory. QCFO, LLC is a fee-only investment adviser offering discretionary portfolio management and wealth management services to individuals, high-net-worth clients, trusts, charitable foundations, and qualified plans. The firm employs a disciplined, scientifically engineered investment approach focused on global diversification and risk control, integrating tax management and wealth-transfer planning into its services.

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.

Brendan Koors is a financial advisor at Athyra Financial Partners in Cincinnati, OH, holding a Series 65 designation. He has no prior advisory industry experience but has worked at Saint-Gobain since 2022 and International Paper from 2020 to 2022, following five years as a full-time student. Athyra Financial Partners, LLC is a fee-only, state-registered investment adviser that provides investment management and comprehensive financial planning services to individuals, families, and select business owners. The firm follows a fiduciary standard and employs a disciplined, cost-conscious investment approach using low-cost ETFs and mutual funds, tailored asset allocation, and tax-aware strategies.

Robert Maher is a CFA® charterholder and financial advisor at Virgil Wealth Advisory with seven years of industry experience. He has previously worked at J.P. Morgan and First Data. Outside of his advisory role, he serves as Head of Ventures at National Veterinary Associates, where he focuses on developing innovative partnerships. Virgil Wealth Advisory provides investment management and financial planning services to individuals, high-net-worth clients, and small businesses. The firm employs a primarily passive investment approach using index mutual funds and ETFs, supplemented by fundamental analysis, and offers tailored portfolio management along with comprehensive financial planning and estate-planning assistance.

Mark Schmerge is the president of Schmerge Executive Planning Services, Inc. in Cincinnati, OH, holding the ChFC® designation and Series 63 license with 44 years of industry experience. He has been with Fortune Financial Services, Inc. since 2012 and has led his own firm since 1989. Schmerge is also an independent insurance agent. Schmerge Executive Planning Services provides wealth management and financial planning for individuals, families, trusts, corporations, and company retirement plans. The firm employs model-driven investment strategies sourced from third-party research and manages portfolios on a discretionary basis with an emphasis on downside risk control.

Jeffrey Spitzmiller is a CFA® charterholder with 21 years of industry experience. He has led Queen City Capital Management, LLC since 2012. The firm provides fee-only investment advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and other registered advisers. Queen City Capital Management applies a modified strategic asset allocation approach grounded in Modern Portfolio Theory, combining active mutual-fund allocations and ETF/ETN-based strategies, and offers services including asset management, consulting for workplace retirement programs, and institutional retirement plan support.

John Smith is a CFA® charterholder with 10 years of industry experience. He is the sole advisor at Ten Talents Asset Management, where he has worked since 2021. Prior to this, he was employed at J.P. Morgan Institutional Investments Inc. and JPMorgan Investment Management Inc. from 2015 to 2021. Outside of his advisory role, he works as a real estate analyst for Cushman & Wakefield. Ten Talents Asset Management provides discretionary portfolio management and financial planning services to individuals, charitable organizations, and institutional clients. The firm employs a range of investment techniques and instruments, including derivatives and margin, and may utilize third-party managers to implement client mandates.

Timothy Koester is a CFP® with 12 years of experience in the financial services industry. He is the principal advisor at Phase Line Financial, having previously worked at firms including Journey Advisory Group, Ameriprise Financial Services, and U.S. Bancorp Investments. Koester serves as Treasurer on the Board of Directors for Cincinnati Therapeutic Riding and Horsemanship. Phase Line Financial provides investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, and businesses. The firm employs a combination of fundamental and technical analysis alongside modern portfolio theory, offering both discretionary and non-discretionary portfolio management through a wrap fee program.

Kristine O'Brien is a financial advisor based in Cincinnati, OH, with 18 years of industry experience. She is the sole advisor at Wealth Transitions, LLC, an independent firm she has been with since 2015. Kristine holds a Series 63 designation. Wealth Transitions, LLC provides advisory services to individual and high-net-worth clients, including ongoing portfolio management, financial planning, and qualified plan consulting. The firm manages client assets in-house, typically on a discretionary, long-term basis using modern portfolio theory, and offers educational seminars upon request.

Darin Schmidt is a financial advisor with Schmidt Wealth Management, L.L.C. in Lawrenceburg, IN, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Silver Oak Securities, Inc. and Ausdal Financial Partners, INC. Outside of investment advisory, he provides tax preparation and planning services, as well as insurance products including life, disability, long-term care, health, and fixed annuities. Schmidt Wealth Management, L.L.C. offers portfolio management and financial planning services to individuals, high-net-worth clients, and certain corporate and retirement-plan clients. The firm employs a combination of fundamental, quantitative, and technical analyses, managing accounts on a discretionary basis with investment strategies ranging from long-term asset allocation to alternative investments such as private placements and venture capital funds.

Michael Oconnell is a financial advisor at Linden Ash Capital with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Linden Ash Capital since 2006 and at Investacorp, Inc. since 1995. Oconnell is also involved with Retirement Capital Management in Cincinnati, providing financial advisory services. Linden Ash Capital offers discretionary investment management and financial planning services to individuals, trusts, and qualified retirement plans. The firm combines fundamental and technical analysis with a typical holding horizon of 12 to 18 months, serving a small client base to allow for individualized oversight.

Hello! I’m Andrew, the Founder of AJD Wealth Management. I have been in the financial services industry for over a decade and earned my CERTIFIED FINANCIAL PLANNER™ Designation in 2017. Since 2017, I have worked exclusively as a fee-only financial planner. Throughout my career, I have been fortunate to work with a wide variety of clients including retirees, pre-retirees, busy families, corporate retirement plans, etc. Prior to starting AJD Wealth Management, I was with a large fee-only firm in Cincinnati; and prior to that, a giant insurance company selling financial products. With AJD Wealth, I get to focus on what I enjoy most - building relationships with my clients, delivering great financial plans, and managing money. I am on the board of the Financial Planning Association (FPA) Southwest Ohio chapter and I am a member of the XY Planning Network. AJD Wealth is a fee-only advisory firm for busy families and retirees who are tired of only meeting with their advisor once a year and who don't want to be just another number at a large firm. Our clients are looking for a partner who can help them grow & preserve their wealth. Finances are personal; and a good, collaborative relationship is the bedrock of a solid financial plan. The goal of AJD Wealth is to consistently deliver a boutique-level of service to our clients.

Colby Gleckler is a Series 65 licensed advisor at Bear & Eagle Investments LLC with one year of industry experience. His prior work includes roles at Woodland Golf Course and Cintas, as well as ongoing employment at the University of Cincinnati. Bear & Eagle Investments LLC serves individuals and households, including high-net-worth clients, by providing discretionary portfolio management and financial planning services. The firm employs a fundamentally oriented, value-focused investment approach using financial-statement analysis and quantitative screens to construct diversified, client-tailored portfolios.

Donald Felty Sr. is a financial advisor with Donald Felty, LLC, holding the ChFC® and Series 63 designations and bringing 26 years of industry experience. He has worked at Donald Felty LLC since 2001 and has been affiliated with Transamerica Life Services since 1986. Donald Felty LLC provides discretionary asset management primarily for individuals, including high-net-worth clients, as well as trusts and business entities. The firm employs a combination of technical analysis, fundamental analysis, and Modern Portfolio Theory to construct tailored investment portfolios, managing stocks, bonds, mutual funds, ETFs, REITs, and options with ongoing supervision.

Daniel Armstrong is a CFA® charterholder and Series 63 licensee with 14 years of experience in financial advising. He is the principal of Solido Financial LLC and has prior roles with The Leaders Group Inc. He serves on the finance committee of Mt. St. Mary’s Seminary, reviewing financials and the endowment. Armstrong also manages insurance-related business activities through Solido Insurance and other affiliated entities. Solido Financial LLC provides discretionary portfolio management and written financial planning to individuals, high-net-worth clients, and businesses. The firm uses a documented Investment Policy Statement process and employs a range of investment strategies including mutual funds, equities, fixed income, ETFs, and alternative investments, while also offering commissionable insurance and securities products through affiliated entities.

Kevin Aug is a CFA® charterholder and the sole advisor at Anchor Wealth Advisor with five years of industry experience. His background includes a decade at JP Morgan Asset Management and six years at Constellation Wealth Advisors. Anchor Wealth Advisor provides discretionary asset management primarily through third-party managers and by managing pooled or institutional mandates. The firm’s investment approach emphasizes fundamental analysis and tailors strategies to client goals, utilizing both long- and short-term holdings with periodic rebalancing and tax-loss harvesting opportunities.

Matthew Richardson is a Series 65-licensed advisor with seven years of industry experience. He is currently with Calculated Wealth and has prior experience at Stillpoint Capital and Manley Deas Kochalski LLC. He is also the owner of Mandelbrot Research LLC, a firm that sells investment research to advisory firms. Calculated Wealth serves individual investors, high-net-worth clients, and small businesses by providing comprehensive financial planning and discretionary portfolio management. The firm combines passive, strategic asset allocation with a tactical quantitative approach, implementing client-specific investment policies on a discretionary basis.

Todd Wenning is a CFA® charterholder with seven years of industry experience. He is the principal of KNA Capital and has previously worked at Ensemble Capital Management and Johnson Investment Counsel. Wenning is also the principal and sole member of W8 Group LLC, a publishing and writing business focused on investment-related content, and serves as a lecturer and director of the Hanley Center for ESG Investing at the University of Dayton. KNA Capital serves individuals, families, charitable organizations, trusts, estates, and business entities by providing discretionary investment management and comprehensive wealth advisory services. The firm employs a fundamental, value-oriented investment approach focused on companies with durable competitive advantages and integrates tax considerations into portfolio management.