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 CFP® professional affiliated with LPL Financial, with 11 years of industry experience. He has held roles at firms including Fidelity and Horan Securities before joining LPL Financial. Outside of advisory work, he is also commissioned as a notary in Cincinnati, OH. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management solutions supported by proprietary research and technology tools.

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 three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2022. Outside of his advisory role, he creates content and designs for Amazon Print on Demand Products. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Andrew Donelan is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has worked within Fidelity’s organizations since 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its roles in fund advisory, use of systematic methodologies including AI, and formal advisory responsibilities to multiple registered investment companies.

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.

Elijah Liske is a financial advisor at Cetera with the PFS™ designation and one year of industry experience. Prior to joining Cetera, he worked at Avantax Advisory Services and has over a decade of experience in accounting and tax services, including roles at Liske & Brunner CPAs, LLC, where he provides tax consulting, compliance, valuation, and CFO services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, retirement plan, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform that provides access to affiliated and third-party investment managers across various program structures.

Joseph Moretti Jr. is a financial advisor at OSAIC with 42 years of industry experience. He holds a Series 63 designation and previously worked for Securities America Advisors, Inc. and Securities America, Inc. from 2009 to 2024. OSAIC serves a broad mix of retail and institutional clients, including high-net-worth investors and charitable organizations, through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party money managers to construct diversified portfolios.

Richard Martin is a ChFC®-designated financial advisor with 28 years of industry experience. He has worked at OSAIC since 2024 and previously spent 15 years at Securities America Advisors, Inc. Martin is also involved in managing a life insurance business where he offers life insurance and fixed annuities to clients when appropriate during reviews. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, providing a range of brokerage and advisory services. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes.

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.

Andres Garcia is a financial advisor at Fidelity with four years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Fidelity, he worked at Coke Consolidated, Jimmy John's, and Zillow Group. 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 fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Joao Paulo Monteiro is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Fidelity Investments since 2020. Prior to that, he held positions at Edelweiss Lodge and Resort/US Department of Defense and Centre College. 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 fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Sara Ahlrichs is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and previously worked at Sheer Technologies, ConstructConnect, and Teksystems. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, overseeing model portfolios composed of mutual funds, ETFs, and ETPs.

Lewis Curd is a financial advisor at Fidelity with Series 63 and Series 66 designations and three years of industry experience. Prior to joining Fidelity, he worked at USA Homestays and was involved with Grace Fellowship Church. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios.

Joseph Lieser is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Stifel since 2019. Prior to joining Stifel, he worked at UBS from 2015 to 2019. He holds a Series 66 license and is based in Cincinnati, Ohio. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, providing brokerage and investment advisory services. The firm’s investment approach is supported by a proprietary methodology from its Investment Strategy Group that uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Greg Peebles is a Financial Consultant at Fidelity Investments, a role he has held since 2021. He has been with Fidelity since 2017, previously serving as a Director and Retirement Planner from 2017 to 2020 and as a Portfolio Specialist from 2020 to 2021. In his current position, Greg focuses on understanding clients' goals and financial situations to develop and maintain personalized financial plans using Fidelity's resources. Greg holds insurance licenses in Arkansas and California. Outside of his professional work, he engages in family activities, fishing, football, outdoor adventures, and parenthood.