Steven Dillhoff is a financial advisor with LPL Financial in Dayton, OH, holding a Series 66 credential and 28 years of industry experience. Before joining LPL Financial in 2020, he worked for Delta Global Asset Management and Delta Equity Services Corporation from 2006 to 2020. In addition to his advisory role, he provides tax preparation and accounting services. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

John Lumpkin Jr. is a financial advisor with Morgan Stanley, holding a Series 66 credential and bringing 22 years of industry experience. He has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2012 and 2015, respectively. Outside of his advisory work, Lumpkin serves on the boards of the Greater Dayton Regional Transit Authority and the City of Dayton Financial Review Board, and he is involved in coaching and announcing varsity football games for Trotwood-Madison City Schools. Morgan Stanley Wealth Management provides a broad range of advisory services to individuals and institutions, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers both direct and corporate financial planning programs.

Frances Milano is a financial advisor with Ameriprise in Beavercreek, OH, holding a Series 63 designation and over 32 years of industry experience. She has been with Ameriprise Financial Services since 1993. Milano serves on the investment committee of the board of directors for St. Vincent DePaul. Ameriprise offers a retirement-income planning service focused on individuals near or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and integrates algorithmic automation with expert oversight to generate personalized recommendations.

Susan Sandhu is a financial advisor with Morgan Stanley in Beavercreek, Ohio, holding Series 63 and Series 65 designations and bringing 18 years of industry experience. She has been with Morgan Stanley since 2018 and has worked specifically with Morgan Stanley Private Bank, N.A. since 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutions, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market outlook models.

Mark Richmond is a financial advisor with OSAIC, holding a Series 66 credential and 16 years of industry experience. He previously worked at Securities America Advisors and Securities America Inc for nine years. Richmond is also involved with Rodriguez Financial Strategies, LLC, providing fixed insurance products as part of comprehensive financial planning. OSAIC Wealth, Inc. serves retail and institutional clients through a large network of advisers, offering brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios tailored to client needs.

Douglas Lindley is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Cetera Advisors LLC since 2013 and with Cetera since 2024. Outside of advising, he serves as treasurer for a local networking group called Junto. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of investment advisory services through a large network of independent advisors. The firm serves individual, retirement plan, corporate, charitable, and institutional clients, providing portfolio management, financial planning, and access to third-party managers across multiple program structures.

Andrew Raucci Jr. is a financial advisor with OSAIC who holds a ChFC® designation and a Series 66 license, with 19 years of industry experience. He has worked at Osaic Wealth, Inc. since 2017 and previously at Sterne Agee Investment Advisor Services and Sterne Agee Financial Services. In addition to his advisory role, he is the owner of the TermQuote and CareQuote trademarks and serves as CEO of Ingram & Raucci Insurance and Financial Advisors, focusing on insurance sales and related services. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation tools and supports multiple investment platforms, including discretionary and non-discretionary account management.

Ryan Carpe is a CFP® professional affiliated with Edward Jones in Yellow Springs, Ohio, with 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kyle Poland is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an assistant swim coach at the YMCA of Greater Dayton. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Michael Hall is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and previously worked in the beverage and distribution industries, including roles at Boston Beer Company and Heidelberg Distributing. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and model strategies.

Ryan Martini is a financial advisor at Equitable Advisors with 23 years of industry experience. He has been with Equitable Advisors since 2002 and previously worked at Axa Advisors, LLC for 18 years. Martini also serves as the power of attorney and executor for his mother’s trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that includes advisory and brokerage/insurance channels to support client recommendations.

Yuh Chen Yu is a financial advisor at Edward Jones in Kettering, Ohio, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, Yu worked at Door Dash and PNC Bank, and has been involved with CBY LLC since 2017. Outside of advisory services, Yu participates in rental property management through involvement with CBY Investments LLC and Cotton Bailey Properties LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm operates with a significant national presence, maintaining approximately 23,701 financial advisors and $1.01 trillion in assets under management.

Matthew Miller is a financial advisor at Cetera with 14 years of industry experience. He holds the CFP® and Series 66 designations. Miller has worked with Cetera Wealth Services, LLC since 2013 and operates Miller Financial Advisors and Harlan Miller and Associates, both financial services businesses. He also holds a license to sell fixed insurance products including life, health, disability, annuities, and long-term care. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, retirement plan, and institutional clients. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers and program structures.

Luke Neff is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. He has worked at LPL Financial since 2025 and previously spent ten years with CUSO Financial Services and eleven years with Day Air Credit Union. He is also involved with Day Air Wealth Management Group. 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 financial planning and advisory programs, including model portfolios and retirement plan consulting.

James Kirkland is a Series 66 credentialed financial advisor with 26 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005 and also affiliated with Cambridge Investment Research, Inc. since 2003. Outside of his advisory work, he has acted as an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base 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, utilizing both proprietary and third-party strategies across multiple platforms.

Tonya Albright is a financial advisor with Primerica Advisors in Centerville, OH, holding 19 years of industry experience. She has worked with Primerica Financial Services since 2005 and PFS Investments Inc. since 2006. Outside of her advisory roles, she owns The Master's Reflection Salon & Gifts and Albright Enterprise LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while operating under a tiered wrap fee structure.

Angela Kirkland is a financial advisor with Cambridge Investment Research Advisors in Centerville, OH, holding a Series 63 designation and 16 years of industry experience. She has been with Cambridge Investment Research Advisors since 2020 and has worked with Cambridge Investment Research, Inc. since 2009. Outside of her advisory role, she is a notary and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base 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, utilizing proprietary model strategies as well as third-party managers across multiple platform arrangements.

Jane Vesoulis is a Financial Consultant at Fidelity Investments, a position she has held since 2018. She collaborates with families and individuals to organize assets and develop comprehensive financial plans. Jane emphasizes building trusted relationships over time, adapting investment strategies in response to evolving priorities, legislation, markets, and technology. Her professional experience includes roles as an Investment Consultant at Fidelity Investments from 2015 to 2018, Financial Adviser at JP Morgan Chase from 2013 to 2015, Financial Adviser at National Bank and Trust Co from 2012 to 2013, and Vice President at The Fifth Third Bank from 1988 to 2011.

Ryan Beach is a financial advisor at Edward Jones in Xenia, Ohio, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Michael Beard is a financial advisor at Edward Jones in Beavercreek, OH, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices.