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.

Jonathan Billing is a financial advisor at Fidelity with two years of industry experience. He holds Series 66 and Series 63 designations. Outside of his advisory role, he is the director of Appleseed LLC, a company he founded to brand and trademark handmade pallet furniture. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios drawn from mutual funds, ETFs, and ETPs.

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.

James Mcpherson is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. Prior to joining Fidelity, he worked in several roles within the brewing industry. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Matthew Duggan is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and previously worked at Emac Lighting for five years and Dewey's Pizza for thirteen years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including management of model portfolios constructed through proprietary fundamental research and quantitative analysis. The firm is noted for its use of algorithmic portfolio construction, advisory roles to multiple registered investment companies, and formal governance procedures.

Madison Axtell Stegman is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Fidelity, Stegman held roles at Saint Agnes School and 3 G's Inc. 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 uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and advise on diversified portfolios.

Thomas Agonito is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. His prior roles include positions at Brooksource, Compass Group USA, and Xavier University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolio delivery, with a focus on systematic methodologies and oversight controls.

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.

Mark Josaitis is a financial advisor at LPL Financial with 14 years of industry experience. He holds the ChFC® and Series 66 designations. Prior to joining LPL Financial in 2022, he spent seven years at JP Morgan Securities LLC. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement consulting, combining discretionary and non-discretionary management supported by in-house and third-party research.

Kevin Carothers is a financial advisor with Fidelity Investments in Covington, KY, holding Series 66 and Series 63 designations and four years of industry experience. He previously worked at Fischer Management, LLC for seven years and has concurrently maintained a customer service role at The Home Depot since 2014. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across various asset classes.

Richard Zimmerman is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Fidelity Investments and its affiliated entities since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to offer model portfolios and discretionary management, with a focus on systematic methodologies and long-term asset allocation.

Amanda Harris is a financial advisor at Fidelity with a Series 66 license and five years of industry experience. She has been with Fidelity Investments since 2014. 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 employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios and serves in advisory roles for multiple registered funds.

Stacie Whalen is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various affiliated Fidelity entities since 2008. 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 uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios featuring mutual funds, ETFs, and ETPs.

Kathleen Dalton is a financial advisor at Fidelity with 19 years of industry experience. She holds Series 63 and Series 65 licenses. Her prior roles include positions at StanCorp Investment Advisers, StanCorp Equities, Sheridan Road Financial, and LPL Financial. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm combines fundamental research with quantitative analysis and systematic methodologies to construct model portfolios using mutual funds, ETFs, and ETPs.

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.

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.

Kelly Ellington is a financial advisor at Fidelity with 30 years of industry experience. She holds the Series 63 and Series 66 designations and has been associated with various Fidelity entities since 1997. Fidelity, through its affiliate Strategic Advisers LLC, provides investment management and advisory services to a broad client base including retail and institutional investors. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Mike Lonnemann is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2004. In this role, he works closely with clients to understand their personal and financial needs, collaboratively developing and implementing tailored financial plans. His approach involves laying out facts, discussing preferences, and creating a game plan that is monitored over time to help clients achieve their financial objectives. Mike holds insurance licenses in Arkansas and California, supporting his ability to provide comprehensive financial advice. Outside of his professional responsibilities, he enjoys attending concerts, participating in family activities, and engaging in interests such as football, golf, skiing, and exploring culinary experiences.

James Zents is a financial advisor with Fidelity Investments based in Covington, KY, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior work includes roles at Great American Advisors and Creative Bus Sales. He is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients, combining proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios.