Sandra Davis Skeen is a financial advisor with LPL Financial in Harrison, Ohio, holding a Series 66 credential and having seven years of industry experience. She has worked with LPL Financial since 2018 and maintains ongoing roles at Capital Concepts INC and Coldwell Banker West Shell, where she has been active since 2011 and 1996 respectively. In addition to her advisory work, she is involved in tax preparation and accounting as the owner of Tax Concepts. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management and utilizing model portfolios and research from various sources.

Kevin Widener is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its predecessor entities since 1998 and holds a Series 63 designation. Outside of his advisory role, he participates in a health insurance program through Life X/Cigna that involves research-based policy participation. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement who meet specific asset thresholds, offering written recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research-driven modeling with algorithmic automation to generate tailored retirement income recommendations, serving a broad client base through its wide range of advisory, brokerage, and insurance solutions.

John Schablein is a CFP® professional with 37 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2015. He holds Series 63 and Series 65 licenses and has held various roles including coaching basketball at local high schools. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through financial planning, investment management, and retirement advisory services. The firm offers multiple investment platforms and proprietary model strategies, delivering services via a broad network of independent financial professionals.

Mike Fischer is a financial advisor at Fidelity with 20 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses and has been with various Fidelity entities since 2006. 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 employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across a broad investable universe.

Richard Lammering is a financial advisor with LPL Financial, holding a Series 63 designation and 29 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 20 years before joining LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jason Murray is a financial advisor with Edward Jones in Cincinnati, OH, holding a Series 63 designation and 26 years of industry experience. He has been with Edward Jones since 1999. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, separately managed accounts, and affiliated investment products. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,000 advisors and 15,000 branch offices.

Jeffrey Meier is a financial advisor with Raymond James Financial Services Advisors, Inc. in Cincinnati, OH, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior roles include positions at Bank of America, Merrill, LPL Financial, and Edward Jones. Outside his primary role, he serves as an independent contractor financial advisor for J. Owens Wealth Planning. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Matthew Edmiston is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 registrations and over 23 years of industry experience. He has been with Cambridge Investment Research Advisors since 2015. Outside of his advisory role, he owns a business entity, Matthew Edmiston LLC, and operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, using various portfolio management strategies and platform arrangements tailored to client objectives.

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.

Nicholas Neurohr is a financial advisor at Edward Jones in Cleves, OH, holding a Series 66 designation. He has one year of industry experience, joining Edward Jones in 2026. Prior to this, he worked in various roles at Prysmian, Loth, Inc., Lithko Contracting, UC Health, Cincinnati Children's Hospital Medical Center, and 3CDC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Robert Mcnichol is a ChFC® with 40 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. He previously worked for MetLife Securities Inc. and Metropolitan Life Insurance Company for over 30 years. Outside of advisory work, he is a 50% partner in a thoroughbred horse racing venture. MassMutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Brian Bailey is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Fidelity Investments in various capacities since 2006. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, an IRS-qualified Charitable Gift Fund, and registered investment companies. The firm’s investment process combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, and it manages model portfolios built from mutual funds, ETFs, and ETPs using systematic methodologies and long-term asset allocation benchmarks.

Kevin Schafer is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Edward Jones since 2011. His career has been focused entirely at Edward Jones, a full-service wealth management firm. Outside of his advisory role, Schafer is involved in real estate development and management, including ownership and management roles in several residential and commercial properties, as well as participation in the Lawrenceburg Redevelopment Commission. Edward Jones serves over four million individual and institutional clients with a range of advisory programs and investment solutions. The firm operates a large network of financial advisors and branch offices, offering both discretionary and non-discretionary strategies alongside affiliated mutual funds and tax-efficient services.

John Fruin is a financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its affiliates since 2005 and holds the Series 63 designation. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports through a centralized consulting team, focusing on clients with Ameriprise-managed accounts.

David Coppage is a CFP® certificant with 29 years of industry experience, currently serving at Raymond James Financial Services Advisors Inc. since 2012. He is also the owner of Coppage Wealth Management, LLC, a support company based in Florence, KY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Terry Verax is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity Investments and its affiliates since 2011. Prior to his current role, he worked at Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers 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 discretionary and non-discretionary portfolios, employing model portfolios composed of mutual funds, ETFs, and ETPs.

Janey Kegley is a financial advisor with Cambridge Investment Research Advisors in Burlington, KY, holding Series 63 and Series 66 licenses and 21 years of industry experience. Her prior work includes roles at SagePoint Financial, Northern Lights Distributors, and Orion Portfolio Solutions. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts, providing financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals. The firm offers a range of implementation options including proprietary and third-party model strategies, with discretionary and non-discretionary portfolio management tailored to client objectives.

James Owens is a financial advisor with Raymond James Financial holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones for 11 years before joining Raymond James Financial Services Advisors, Inc. in 2023. Owens also serves as President of J.Owens Wealth Planning, an advising support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through a municipal advisor affiliation.

Matthew Wong is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity Investments in various roles since 2006. Outside of his advisory work, he is involved as a co-owner in a real estate renovation and rental business in Cincinnati. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a systematic investment process combining fundamental research and quantitative analysis, and it offers services such as discretionary portfolio management and fund advisory.

Carl Smith is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has been with LPL Financial since 2014. Outside of his advisory role, he is involved in real estate activities, including serving as a sales agent for a mortgage and real estate services firm and participating in a partnership focused on property transactions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research and a variety of institutional services.