Joseph Elam is a financial advisor with Primerica Advisors in Centerville, OH, holding 25 years of industry experience. He has been with Primerica Advisors since 2000 and was previously affiliated with Dayton Progress for 37 years. Outside of his advisory role, Elam owns Ultstar, LLC, a non-investment related business based in Franklin, OH. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, maintaining oversight of its investment models and trading implementation.

Karn Singh is a Series 66-licensed financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones, he worked at Wellness 1 Pharmacy and has involvement in distribution and clinical laboratory businesses. Singh supports communication between clients and a clinical lab as part of his outside activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a broad network of advisors. The firm offers a range of advisory solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Charles Demaree is a financial advisor at OSAIC with 49 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Sagepoint Financial, Inc. and AIG American General Life Insurance Company. Outside of his advisory role, he owns and operates Demaree Financial Group, providing insurance services, and serves as president of Ripley Publishing, a family-owned newspaper company. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers brokerage and advisory services, financial planning, managed accounts, and access to third-party money managers, utilizing asset-allocation tools and a variety of investment products to tailor portfolios according to client risk tolerance and preferences.

Brendan Cunningham is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Anthony Del Ghingaro is a financial advisor with LPL Financial in Dayton, OH, holding a Series 66 designation and three years of industry experience. He previously worked at Edward Jones and held roles at Freudenberg Performance Materials LLC and Trireme Holdings LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

William Criner is a financial advisor with Primerica Advisors in Springfield, OH, holding a Series 63 designation and 30 years of industry experience. He has been with Primerica Advisors since 1995 and Primerica Financial Services since 1994. Outside of investment advisory, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Angela Curtis is a CFP® with 34 years of industry experience, currently affiliated with LPL Financial since 2012. She holds a Series 63 license and conducts her practice in Centerville, Ohio. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from various sources.

Ryan Fink is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 licenses. He has four years of industry experience, including prior roles at Fidelity and JPMorgan Chase Bank. Outside of his advisory work, he provides private hockey lessons to youth players. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, providing asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

Harold Whitworth III is a financial advisor with Edward Jones in Dayton, OH, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory work, he serves as a board member of the Don Greer Memorial Scholarship Fund, where he helps coordinate fundraising events and reviews scholarship applications. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices nationwide.

Brian Andzik is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2015. Outside of his advisory role, Andzik is involved in several business ventures primarily focused on the restaurant industry, including ownership and partnership positions. He also serves as an advisor for a University of Dayton business student fund and participates in financial planning and budgeting roles for local cultural and charitable organizations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Eric Montgomery is a financial advisor with Cambridge Investment Research Advisors in Beavercreek, Ohio. He holds a Series 63 designation and has 39 years of industry experience. His background includes roles at Cambridge Investment Research Advisors since 2011 and over three decades at Montgomery Insurance & Investments Agency and Travelers Insurance Co. He also serves as a board member of a non-public entity affiliated with his local community. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, combining proprietary model strategies with access to external managers and multiple platform options tailored to client objectives.

Balinda Ferrara May is a financial advisor at Morgan Stanley with 41 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2017, following a lengthy tenure at Merrill from 1980 to 2017 and a brief period at Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies.

Tammy Kinstle is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 66 registrations and has worked at Morgan Stanley since 2017, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory role, she is involved with the Miami County YMCA in Troy, Ohio. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

David Garel is a financial advisor with Edward Jones in Oakwood, Ohio, holding a Series 66 designation and 16 years of industry experience. He has been with Edward Jones since 2009. Outside of his advisory work, he owns the Dayton Squash Center, a fitness facility in Miamisburg, Ohio. 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 range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts, and operates under a fiduciary standard.

Chad Strong is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 22 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked concurrently at JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with brokerage, distribution, and investment management capabilities.

Martin Kappeler is a financial advisor at LPL Financial with 18 years of industry experience. He has worked previously at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory role, he is involved as the owner of Kappeler Wealth Management, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and nonprofits through a national network of representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jonathan Hale is a Series 66-licensed financial advisor with Morgan Stanley in Beavercreek, Ohio, bringing 10 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, he is involved in family limited partnership activities related to real estate and tax planning. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including customized financial planning that utilizes structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Luke Williamson is a financial advisor with Raymond James Financial in Dayton, OH, holding a Series 66 credential and two years of industry experience. Prior to his current role, he has worked at various branches of Raymond James since 2023 and has additional work history outside the financial industry, including positions at Crunch Fitness and Fresh Paint Designs. Williamson also operates Williamson Wealth Advisors as an independent contractor, providing client service and investment management. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, charitable organizations, and institutions. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting aligned with client goals and supports a range of advisory programs and institutional consulting services.

Chet Saunders is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for SagePoint Financial for 12 years. Outside of his advisory role, Saunders owns and operates a driving range in Fairborn, Ohio. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services alongside financial planning and retirement consulting. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types for both discretionary and non-discretionary accounts.

Cledis Beard is a financial advisor with Primerica Advisors in Centerville, OH, holding 28 years of industry experience. He has been with Primerica Advisors since 1997 and Primerica Financial Services since 1996. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and limited separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.