Christopher Millard is a Benefits & Planning Consultant within the Executive Services division at Fidelity Investments, where he provides comprehensive wealth planning advice that integrates workplace benefits into client strategies. He currently works as part of a team of advisors focused on developing tailored plans for clients. Christopher has held several roles at Fidelity Investments since 2015, including Director of Retirement Planning, Retirement Planner, Central Relationship Manager, Workplace Planning Consultant, and Financial Associate. He also served as an AVP and Financial Solutions Advisor at Bank of America Merrill Lynch from 2019 to 2021. His experience centers on retirement planning, financial advising, and client relationship management. Outside of his professional career, Christopher's interests include family activities, football, military service, parenthood, and traveling.

Shandrika Bryant is a financial advisor at Primerica Advisors with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 1998. Outside of her advisory role, she is involved in bookkeeping through her self-employed business, Business Basics Bookkeeping, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers for portfolio management.

Rosemary Foley is a financial advisor with Morgan Stanley in Cincinnati, OH, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning that utilizes structured discovery and firm-approved tools to model financial outcomes.

Zach Lyons is a Planning Consultant at Fidelity Investments, where he collaborates with clients and their families to develop financial plans tailored to their individual needs and objectives. He has held this role since 2025. Prior to his current position, Zach worked as a Relationship Manager at Fidelity Investments from 2024 to 2025, and as a Financial Representative at Fidelity Investments from 2022 to 2024. He began his financial services career as a Financial Representative at Western & Southern from 2021 to 2022 and previously worked as a Teller at Kemba Credit Union, Inc from 2019 to 2020. Outside of his professional work, Zach has interests in baseball, cooking and baking, fitness, football, golf, and movies.

Ning Liao is a CFA® charterholder and Series 66 licensee with 14 years of industry experience. She currently works at UBS Financial Services, where she has been since 2021, following roles at The Randolph Company and Ameriprise Financial Services. Based in Cincinnati, OH, her background includes a mix of advisory and financial planning services. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor strategies to clients' goals and risk tolerances.

Robert Anning is a financial advisor with UBS Financial Services in Cincinnati, Ohio, holding Series 63 and Series 65 credentials and bringing 58 years of industry experience. He has been with UBS since 2012. Outside of his advisory role, Anning serves as a trustee for several nonprofit organizations, including the Anning Family Charitable Foundation, Cincinnati Children’s Hospital Medical Center, and Ronald McDonald House Charities, and holds a position with the Cincinnati Park Board. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocation to tailor strategies to clients’ goals and risk tolerances. The firm operates with both wealth management and institutional trading capabilities, offering a broad spectrum of financial products and services.

Ashley Gulley is a financial advisor at Edward Jones in Cincinnati, OH, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones, she has held various positions including coaching gymnastics and working as a hair stylist. Outside of advisory work, she coaches girls on a club gymnastics team and works as a hair stylist. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a broad range of investment advisory programs and maintains a large network of financial advisors and branch offices across the country.

Philip Murphy is a financial advisor with Primerica Advisors in Harrison, OH, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has worked with PFS Investments Inc and Primerica Financial Services since 2000 and is associated with Torchlight Financial Group since 2021. Murphy also receives non-investment related compensation for part-time referrals of home security, automation, and other home-related services through affiliates of PFS Investments Inc. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selectively managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Michael Redelman is a financial advisor with Charles Schwab in Cincinnati, OH, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked with Charles Schwab since 2006 and Charles Schwab Bank, SSB since 2014. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, using multi-asset model portfolios and centralized operational oversight.

Jean Carville is a financial advisor with Wells Fargo Clearing in Cincinnati, OH, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has worked at Wells Fargo Advisors from 2012 to 2016 and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, Carville serves on the endowment committee for McNicholas High School, where she participates in meetings and assists with donation procedures and marketing efforts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is guided by investment policy statements and modern portfolio theory, with an emphasis on tailored solutions and a broad range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Kerrie Lydell is a financial advisor at Edward Jones with over 21 years of experience in the industry. She holds a Series 66 designation and is based in West Chester, Ohio. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a network of over 23,000 financial advisors, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

David Ditzel is a financial advisor with Ameriprise Financial Services, holding a Series 63 designation and over 42 years of industry experience. He has been with Ameriprise since 2016, serving in both the Financial Services, Inc. and LLC entities. Based in Cincinnati, OH, his career spans more than four decades in the financial sector. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Samuel Taylor is a financial advisor at Morgan Stanley in Cincinnati, OH, holding a Series 66 designation with eight years of industry experience. Before joining Morgan Stanley in 2018, he worked at Innovative Mattress Solution and was affiliated with the University of Kentucky. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Danielle Sauter is a financial advisor at Fidelity with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked within various Fidelity entities since 2015, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction, managing model portfolios across a broad investable universe and employing oversight controls and AI-driven methodologies.

Nicholas Shine is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has been with UBS since 2013. Outside of his advisory role, he serves as a treasurer and finance advisor for the Epsilon Nu Chapter of Sigma Nu Fraternity at Miami University, assisting with budgeting and financial oversight. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Trent Ledbetter is an Investment Consultant at Fidelity Investments, where he collaborates with individuals and their families to develop and implement personalized financial plans. He works closely with clients to understand their goals and objectives, aiming to create tailored strategies that align with their priorities. Prior to his current role, Trent served as a Workplace Planning Consultant at Fidelity Investments from 2023 to 2025, and as a Financial Advisor at Northwestern Mutual from 2020 to 2023. Trent's professional experience spans multiple roles within the financial services industry, providing him with a comprehensive understanding of investment consulting and workplace planning. Outside of his professional responsibilities, Trent is engaged in family activities and enjoys interests such as football, golf, parenthood, and volunteering.

Christopher Sprenkle is a CFP®-certified financial advisor with 33 years of industry experience. He is currently with Morgan Stanley in Cincinnati, OH, having previously worked at Bank of America and Merrill. His credentials also include Series 63 and Series 65 registrations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and modeling techniques.

Michael Galinger is a financial advisor at Fidelity with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Fidelity Investments and its affiliates since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs, and it maintains oversight of sub-advisers and evaluates share classes to address conflicts of interest.

Kyle Trischler is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Benchmark Wealth and Johnson Investment Counsel. Outside of his advisory role, he holds insurance licenses in life, accident, and health. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a non-discretionary Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Timothy Donovan is a financial advisor with UBS Financial Services in Cincinnati, OH, holding a Series 66 designation and 14 years of industry experience. He has been with UBS since 2012. Outside of his advisory role, he officiates high school basketball games during the winter season. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides research and capital markets solutions across a broad range of client needs.