Jacqueline Hurwitz is a financial advisor at Fidelity with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked within various Fidelity divisions since 2010. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Karla Heck is a financial advisor at Fidelity with five years of industry experience. She holds Series 66 and Series 63 designations and has worked with Fidelity Brokerage Services LLC since 2015. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across a range of investment vehicles.

Millard Ledford is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he managed the Ledford Family Farm and held an executive leadership role at Rock Solid Roofing, where he was involved in sales. Outside of his advisory work, he has experience as a sole proprietor in agriculture and as a partner in a roofing and exterior company. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across funds, ETFs, and ETPs.

Joshua Goewey is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity and its affiliates since 2005. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Lonny Barnett is a CFP® and Series 66-registered financial advisor with Edward Jones, where he has worked since 2018. He has eight years of experience in the financial industry and previously spent 18 years at Procter & Gamble. Barnett is active in several community and veteran organizations, including leadership roles with The American Legion and service on the Indiana War Memorials Commission. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with a broad range of advisory programs and affiliated financial products. The firm supports its clients with a large network of advisors and branch offices, offering discretionary and non-discretionary investment solutions under a fiduciary standard.

Maggie Kays is a financial advisor at Equitable Advisors with two years of industry experience. She holds a Series 66 designation and has worked in educational and sales roles at organizations including Kenton County School District, Mary Kay Cosmetics, and Oak Hills Local School District. Kays serves as a board member and lay leader for Florence Christian Church and is a council member at Ryland Heights Elementary School. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm delivers services through a network of Investment Adviser Representatives and leverages third-party program sponsors and asset managers for many advisory models.

Jake Ernst is a Planning Consultant at Fidelity Investments, where he supports a broader wealth management team. He focuses on understanding clients' needs by exploring their goals, concerns, retirement timelines, legacy planning, and investment preferences. Jake emphasizes building confidence through trusted relationships in addition to creating effective financial strategies. He has been with Fidelity Investments since 2022, initially serving as a Workplace Planning Consultant before his current role as a Planning Consultant starting in 2026. Jake holds insurance licenses in Arkansas and California.

Zachary Sech is a financial advisor with UBS Financial Services in Cincinnati, OH, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS Financial Services since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.

Michael Kramer is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with Pinnacle Advisory Group since 1986 and has been associated with Cetera and Cetera Wealth Services since 2013. Kramer serves as a board member of the Dearborn County Chamber of Commerce, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and a multi-manager platform with access to both affiliated and third-party managers.

Nicholas Groman is a financial advisor with LPL Financial in Cincinnati, OH. He holds the CFP® designation and Series 63 and 66 licenses, and has 11 years of industry experience. Prior to joining LPL Financial, he worked with firms including Concentric Wealth Management, Avantax, Horan Securities, and Fidelity. He is also commissioned as a notary in Cincinnati. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, delivering advice through a large network of investment adviser representatives who may implement customized or model-based strategies.

Richard Brendza is a financial advisor with Raymond James & Associates in Cincinnati, OH, holding Series 63 and Series 65 licenses and possessing 34 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co., Incorporated. He is also the owner of DGB Management LLC, a business formed for liability purposes with occasional hands-on duties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, drawing on multiple portfolio management styles supported by extensive research and affiliate resources.

Daniel Bettendorf is a financial advisor at Fidelity with Series 63 and 66 licenses and three years of industry experience. His prior roles include work with Holtzman Propane Delivery LLC and the US Department of Homeland Security. Outside of advising, he engages in creating and marketing print-on-demand books through Amazon's self-publishing platform. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of investment products, including model portfolios and fund-of-funds strategies.

Andrew Donelan is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 66 and Series 63 designations and has been with Fidelity Brokerage Services since 2016, joining Fidelity Investments in 2025. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, delivering model portfolios constructed from mutual funds, ETFs, and ETPs using systematic methodologies and long-term asset allocation benchmarks.

Kevin Osborne is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity divisions since 2001. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering services such as discretionary portfolio management and fund advisory.

Ryan Krift is a financial advisor with Morgan Stanley in Cincinnati, Ohio, holding a Series 66 designation and 23 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and concurrently with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning facilitated by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Jennifer Funk is a financial advisor with MassMutual Investors Services in Cincinnati, OH, holding Series 63 and Series 66 credentials and 29 years of industry experience. She has previously worked at MetLife Securities Inc and Massachusetts Mutual Life Insurance Company. She serves as Treasurer on the board of the Women's City Club in Cincinnati, reporting on the organization's financial stability. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and provides a range of programs including educational seminars and wrap accounts.

Braydon Benedum is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has prior work experience that includes both financial services and roles in the service and maintenance sectors. Outside of advising, he has worked at Eastgate Lanes, a bowling alley where he performed maintenance and customer service duties. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing a range of model portfolios using systematic, long-term asset allocation strategies.

Joseph Moretti Jr. is a financial advisor at OSAIC with 42 years of industry experience. He holds the Series 63 designation and has previously worked at Securities America Advisors, Inc., SECURITIES AMERICA, inc., and Brecek & Young Advisors, Inc. since 2002. OSAIC serves a broad range of retail and institutional clients through a multi-advisor platform offering comprehensive financial planning, advisor-managed portfolios, Unified Managed Accounts, third-party money manager programs, and retirement plan consulting. The firm’s investment process employs model-based asset allocation, portfolio optimization, and offers discretionary and non-discretionary strategies supported by various analytical tools.

Joshua Erhart is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity Investments and its affiliates since 2008. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Dustin Watkins is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity entities since 1999. Fidelity’s Strategic Advisers LLC serves a broad client base including retail and institutional investors, providing investment management and advisory services that utilize a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm’s offerings include discretionary portfolio management, advisory work, fund advisory, and model portfolio delivery.