Kevin Grosskoph is a financial advisor with Cambridge Investment Research Advisors. He holds the Series 66 designation and has been with the firm since 2025. His prior work includes roles in real estate and nonprofit organizations. Grosskoph is also involved with the Spina Bifida Coalition, Inc. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, proprietary model strategies, and third-party advisers.

Christopher Kowal is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has been associated with Merrill Lynch since 2007 and Bank of America since 2009. Outside of his advisory role, he serves on the City of Kettering, Ohio's Strategic Plan Steering Committee, providing input on the city’s comprehensive plan development. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Nicole Glowka is a financial advisor at Ameriprise with 30 years of industry experience. She has been with Ameriprise and its affiliates since 1998 and holds a Series 63 designation. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm serves clients through a wide range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Teresa Rubins is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 1987 and joined Merrill Lynch in 1992. Teresa focuses on developing long-term planning relationships that are tailored to the unique needs of each client, promoting a systematic approach to investing that aligns with their investment goals. Throughout her tenure, Teresa has gained extensive experience with equity, option, and bond market strategies, which she incorporates into client portfolios when appropriate. She holds the Personal Investment Advisor (PIA) designation and earned an Associate's Degree from Sinclair Community College after completing her high school education at Vandalia Butler High School. Teresa is actively engaged in her community as a member of the Tipp City Rotary Club, where she has served as International Chair. She volunteers as a Court Appointed Special Advocate/Guardian ad Litem (CASA/GAL) for the Miami County Juvenile Court. A native of Dayton, Teresa resides in Tipp City and enjoys outdoor activities and spending time with her family.

Jess Bennett is a CFP® professional with 24 years of experience in financial advising. She is affiliated with Cetera and has worked with Artisan Square Financial Group and Ridge Haven Wealth Planning. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to multiple program structures and third-party money managers.

Christopher Wood is a financial advisor with Charles Schwab in Cincinnati, OH, holding CFP®, Series 63, and Series 66 designations and 15 years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, and Fidelity, covering both advisory and brokerage services over more than a decade. Charles Schwab & Co., Inc. serves a large client base, mainly 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a centralized operational structure that supports a wide range of advisory and custody services.

David Mestemaker is a financial advisor at Charles Schwab with 11 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2022, following an eight-year tenure at TD Ameritrade Investment Management and ten years at TD Ameritrade, Inc. He is based in Cincinnati, Ohio. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment solutions combined with brokerage, custody, and cash-sweep services. The firm’s large scale and integrated operational structure provide clients access to multi-asset model portfolios, alternative investment due diligence, and centrally managed client support.

Theophanis Pericleous is a financial advisor with Ameriprise in Springboro, Ohio, holding a Series 63 designation and 37 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in capital investment and owns a restaurant in Dayton, Ohio. Ameriprise offers retirement-income planning services for clients typically with at least $1 million in investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. As a large institutional firm, Ameriprise also provides a broad range of advisory, brokerage, and insurance solutions.

William Lendl is a financial advisor at Raymond James Financial with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Raymond James and its affiliated entities since 2013. Lendl is also the owner of Voyacy Wealth Advisors and Lendl Enterprises, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary investment consulting using advanced analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Seth Boehmer is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. His prior work history includes roles at UBS Financial Services, TransAmerica, and Bank of America, among others. Outside of finance, Boehmer has been involved with Skeleton Sports. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Joanna Ward is a financial advisor with Primerica Advisors in Monroe, Ohio, holding seven years of industry experience. She has worked with PFS Investments Inc. since 2018 and has been associated with Primerica Financial Services since 2008. Outside of her advisory role, Joanna participates as a part-time shopper for Shipt. 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 accounts. The firm employs a curated selection of third-party asset managers and uses a tiered wrap-fee structure for its services.

James Mayeux is a financial advisor at UBS Financial Services with 31 years of industry experience. He holds Series 63 and Series 65 certifications and has worked previously at Morgan Stanley and Citigroup Global Markets. Mayeux has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, delivering advisory work supported by proprietary research and model-based asset allocations.

Beth Kiernan is a Series 66-credentialed financial advisor with Ameriprise, based in Liberty Township, OH, and has 23 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2000. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering tailored Recommendation Reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized consulting team and combines research, modeling, and tax analysis in its approach, with an emphasis on Ameriprise-managed accounts and affiliated investment products.

Derek Vance is a financial advisor at UBS Financial Services with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. Outside of his advisory role, he owns and operates Vance's Gaited Acres, a horse boarding business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets products.

Michelle Payne is a financial advisor at Primerica Advisors with 10 years of industry experience. Her prior work includes roles at Miller Wilkins and Associates and PFS Investments Inc. She is based in West Chester, OH. In addition to her advisory work, she participates in sales of home-related products and services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-based investment strategies managed by third parties and supports accounts with custodial and trade execution services through established providers.

Leonard Neeley is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at firms including Empower Financial Services, TD Ameritrade, Fidelity, Merrill, and Bank of America. Based in Cincinnati, OH, he has been with Charles Schwab since 2022. Charles Schwab 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 and offers a multi-asset investment approach supported by centralized operational and supervisory resources.

Adam Pfaff is a financial advisor with Ameriprise in Beavercreek Township, Ohio, holding a Series 66 designation and over 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, he is a partner in Lowe & Pfaff Associates LLC, which manages Ameriprise business expenses. Ameriprise is a large institutional firm that offers retirement-income planning services targeted at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations through a centralized consulting team.

Jeffrey Layne is a financial advisor with Charles Schwab in Cincinnati, OH, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has worked with Charles Schwab since 2002 and was involved with Aerials Athletics LLC for 15 years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment placement process.

Eric Saddler is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in retirement planning, wealth management, and legacy planning, with additional focus areas including college education planning, socially responsible and ESG investing, tax minimization, and retirement income. Eric employs a holistic planning approach, engaging clients with thorough questioning to identify optimal financial strategies tailored to their individual needs. With nearly 30 years of experience, Eric's mission is to provide clear, personalized financial advice that fosters confidence and security in retirement. He holds a Bachelor's Degree from Miami University and is recognized as a Personal Investment Advisor (PIA). Outside of his professional role, Eric enjoys cooking, football, golfing, and spending time with his family.

Daniel Clark is a CFP® professional with seven years of industry experience. He is currently affiliated with Charles Schwab in Cincinnati, OH. His prior experience includes roles at Fidelity Investments and Fidelity Brokerage Services LLC. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering non-discretionary advisory services alongside access to discretionary separately managed accounts and multi-asset model portfolios. The firm is notable for its scale, integrated operational structure, and combination of advisory and brokerage services.