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 nine years of industry experience. He holds a Series 65 credential and previously worked at Osborne Williams & Donohe 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 provides investment and wealth management services 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 alongside coordinated tax and 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.

Brendan Koors is a financial advisor at Athyra Financial Partners in Cincinnati, OH. He holds a Series 65 designation and has no prior industry experience. Before entering the financial advisory field, he worked at Saint-Gobain and International Paper and was a full-time student for five years. Athyra Financial Partners is an independent, fee-only fiduciary serving individuals, families, and a select range of institutional and nonprofit clients. The firm employs globally diversified, low-cost portfolios primarily using ETFs and mutual funds and follows a buy-and-hold investment approach with periodic rebalancing.

Robert Maher is a CFA® charterholder with five years of industry experience, currently serving as an advisor at Virgil Wealth Advisory in Cincinnati, OH. He holds the Series 63 and Series 65 licenses and has previously worked at J.P. Morgan and First Data. In addition to his advisory role, he is Head of Ventures at National Veterinary Associates, dedicating a significant portion of his time to developing innovative partnerships. Virgil Wealth Advisory is an independent investment adviser that serves individuals, high-net-worth clients, and small businesses, offering discretionary portfolio management and comprehensive financial planning. The firm primarily uses passive investment strategies focused on index mutual funds and ETFs, with portfolios managed according to client-specific investment policies.

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.

James Dunphy is a CFP® professional with 22 years of industry experience. He has been with Dunphy Wealth Management, Inc. since 2005. In addition to his advisory role, he provides tax preparation services. Dunphy Wealth Management serves individuals, IRAs, revocable living trusts, and small businesses with fee-only portfolio management, financial planning, and tax consultation. The firm combines investment management with accounting and tax services, offering diversified portfolios built from no-load, no-transaction-fee mutual funds and ETFs, as well as automated rebalancing and tax-loss harvesting options.

Jeffrey Spitzmiller is a CFA® charterholder and principal of Queen City Capital Management, LLC in Cincinnati, OH, with 22 years of industry experience. He has worked at Queen City Capital Management since 2012 and previously held positions at Brecek & Young Advisors, Inc. and Securities America Advisors, Inc. Queen City Capital Management provides fee-only investment advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and other registered advisers. The firm employs a modified strategic asset allocation approach grounded in Modern Portfolio Theory, combining core strategic holdings with limited tactical adjustments and incorporating both actively managed mutual funds and ETF/ETN-based strategies.

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® and Series 66-registered advisor with 12 years of industry experience. He is the principal of Phase Line Financial, an independent firm based in Cincinnati, OH, and previously held positions at Journey Advisory Group, Ameriprise Financial Services, U.S. Bancorp Investments, Wells Fargo Clearing, and Morgan Stanley. Koester serves as Treasurer on the Board of Directors for Cincinnati Therapeutic Riding and Horsemanship, a nonprofit organization. Phase Line Financial provides investment advisory and portfolio management services to a small number of higher-net-worth clients, with approximately $7.31 million in assets under management. The firm sponsors a wrap-fee program and focuses on delivering tailored services through a compact practice.

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.

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.

About the Firm Balance Life Planning was created to help mid-career individuals and families find balance between the financial and lifestyle needs of today, tomorrow, and legacy. Our approach combines the core tenets of financial planning: Investment Strategy Tax Planning Cash Flow/ Retirement Planning Insurance Analysis Estate Planning Furthermore, we offer planning catered to families that have more complex compensation such as stock options, RSUs, Employee Stock Purchase Plans (ESPP), etc. We utilize the latest technology available to deliver a seamless client experience that includes a planning portal, secure vault for planning documents, tax planning tools, and more. About Me I was born and raised in Canton, OH and relocated to the Cincinnati area to attend Xavier University. During that time, I met my wife Erica, and we settled in Villa Hills, KY. We have three beautiful daughters: Molly, Taylor, and Charlotte. We enjoy traveling, various sports, and dogs (we have three dogs Rev, Louis, and Teller). I started in the Financial Services industry at a large investment firm in 2011. During my nearly 10 years there, I worked my way from customer service, through various trading positions, to a book of clients of over 900 high-net worth households that I assisted with planning and investing. In February 2015, I earned my CFP® marks (CERTFIED FINANCIAL PLANNER™). In September 2020, I decided it was time for a change that offered a better life balance and client experience. I joined a smaller firm in Blue Ash, OH, as a Senior Advisor. During that time, I gained valuable experience working through complex planning scenarios with high-net worth clients, managing day to day operations of the firm, and was closely connected to a first-class CPA firm. Of the thousands of clients I've had the privilege to serve, several carried ranging degrees of regret around their financial planning path. Most of which sounded like: "if I knew then what I knew now, I would have...". I have designed Balanced Life Planning to meet clients and families where they are earlier in life to create better financial outcomes.

Michael Scheel is a financial advisor at Profolio Investments, Inc. with 21 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Profolio Investments since 2014. Profolio Investments, Inc. is an independent advisory firm offering fee-based investment advisory, financial planning, and retirement plan services to a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and plan sponsors. The firm employs a strategic asset-allocation approach with discretionary portfolio management and supplements its offerings with fundamental analysis, third-party model portfolios, educational seminars, and client newsletters.

Daniel Armstrong is a CFA® charterholder with 15 years of industry experience. He is the sole advisor at Solido Financial LLC, an independent firm based in Cincinnati, OH. Prior to establishing Solido Financial, he held roles at The Leaders Group Inc and has been managing Solido Insurance since 2012. He serves on the finance committee at Mt. St. Mary’s Seminary, where he volunteers to review financials and the endowment. Solido Financial LLC provides investment supervisory services and financial planning to individuals and corporate clients, including high-net-worth individuals. The firm manages approximately $19.3 million across a diverse range of investments, employing both fundamental and technical analysis and offering discretionary portfolio management with access to model portfolio technology and commissionable insurance products through its affiliated entities.

Brock Muller is a financial advisor at E2 Financial Services, LLC with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Edward Jones, Cornerstone Retirement Advisors, and Raymond James Financial Services. In addition to his advisory role, he operates as a sole proprietor insurance agent. E2 Financial Services provides investment advice and ongoing portfolio management on a non-discretionary basis to individuals, high-net-worth clients, and business entities. The firm combines personalized investment planning with insurance product recommendations through an affiliated agency and emphasizes client approval for all trades.

Debora Caley is the principal advisor at Richwood Investment Advisors, LLC in Cincinnati, OH, with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has led Richwood Investment Advisors since 2010. Outside of her advisory work, she owns and manages several non-investment-related businesses, including a wholesale office furniture company. Richwood Investment Advisors provides discretionary investment management and financial planning services to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm emphasizes customized Investment Policy Statements and employs a combination of fundamental and technical analysis in its investment approach.