Kelly Bramel is a Senior Financial Advisor at Merrill Lynch Wealth Management and a partner with Borchers, Bramel, and Associates. She serves clients in the Dayton-Cincinnati area and across the nation, focusing on aligning financial strategies with clients' personal goals and legacy desires. Kelly draws on her extensive experience to provide personalized wealth planning and investment management. Kelly began her career after graduating from the University of Dayton with a Bachelor's degree in finance and marketing, including her role as a founding student member of the Davis Center for Portfolio Management. She spent ten years in the trust department of a major bank before joining Merrill Lynch in 2011. Kelly holds the Certified Plan Fiduciary Advisor (CPFA) designation, Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. In addition to her professional work, Kelly serves on the Finance Committee for the West Chester/Liberty Community Foundations and is a member of the Dayton Area Chamber of Commerce. She enjoys spending time with her husband and two sons, often supporting their football, basketball, and baseball activities.

Kristos Pericleous is a financial advisor at Ameriprise with nine years of industry experience. He has worked at Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC since 2013. Pericleous serves on the Board of Directors for the Clock Tower Office Condominium Association. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice centered on dependable income sources and tax-aware withdrawal strategies.

Philip Gallagher is a financial advisor with LPL Financial, holding Series 65 and Series 66 licenses and 20 years of industry experience. He has been with LPL Financial since 2018 and previously worked at ValMark Advisers, Inc. and ValMark Securities, Inc., as well as New England Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives.

Heather Abshear is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 registrations and bringing 16 years of industry experience. She has worked within various divisions of J.P. Morgan since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jacob Goubeaux is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior work history at Bank of America, N.A., and Buckeye Ag Testing. Outside of his advisory role, he works as a bartender at Timothy's Bar and Grill and is involved in managing operations at his family farm in Russia, Ohio. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Forest Moses is a CFP® professional affiliated with OSAIC in Dayton, Ohio, with 40 years of industry experience. He has worked at FSC Securities Corporation for 32 years and has been involved with Smith, Moses & Co., LLC for 35 years. Outside of his advisory roles, he is associated with SGM Agency, Inc., which recommends fixed annuities, term life insurance, and long-term care products. OSAIC serves a broad range of retail and institutional clients, providing integrated brokerage and investment advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Anthony Schock is a financial advisor at Robert Baird & Co. with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Baird since 2019, following a 14-year tenure at UBS Financial Services Inc. He is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients through a combination of consulting and portfolio management services tailored to client goals and risk tolerances.

William Hennessy is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining J.P. Morgan Securities, he worked at Fidelity Investments and has a diverse background including roles in admissions at Xavier University and various service industry positions. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a process that combines quantitative modeling with centralized due diligence.

Matthew Richardson is a CFP® professional affiliated with LPL Financial, with 27 years of experience in the financial services industry. He previously worked at David Bodnar Advisors, LLC and Triad Advisors Inc., each for nine years, as well as Signator Investors, Inc. for three years. Outside of advising, he has involvement in a home-based business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Tyler Smith is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 registrations and four years of industry experience. His career includes roles at JPMorgan Chase Bank, Family First Life, CNO Services LLC, and Bankers Life. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services that combine quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

John Grubb is a financial advisor at Merrill with 26 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2000 and Bank of America, N.A. since 2009. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and monitoring through multiple program strategies and benefits from integration with Bank of America’s broader banking and capital markets platform.

Samuel Taylor is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Wright-Patt Credit Union, CUSO Financial Services, LP, and PNC Investments. Outside of advisory work, he is involved with WPCU Retirement Solutions, an entity related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies across various allocation approaches.

Gary Johnson is a financial advisor with Ameriprise in Dayton, OH, holding a Series 66 designation and 15 years of industry experience. He has worked at Ameriprise since 2010 and also owns a tax preparation business operating since 1983. Ameriprise is an institutional firm offering a retirement-income planning service tailored for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to provide written recommendation reports.

Mark Stusek is a CFP®-designated financial advisor with J.P. Morgan Securities, based in Springboro, Ohio. He has 15 years of industry experience and has been with J.P. Morgan entities since 2016. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

John Grubb is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill and Bank of America, N.A. since 2012. Outside of his advisory role, he is the sole owner of a rental property business based in Cincinnati, Ohio. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple program strategies with both client and advisor discretion, supported by a broad roster of manager-constructed strategies and tax-focused overlay services.

Adam Ireton is a CFP® professional with 34 years of industry experience, currently serving as a financial advisor at Edward Jones since 2000. He holds Series 63 and Series 65 licenses and is based in Lebanon, OH. Edward Jones is a full-service wealth management firm providing advisory services to over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.

Stephen Hester is a CFP®-designated financial advisor with Ameriprise in Dayton, Ohio, bringing 38 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of his advisory role, he serves as president and secretary of Stephen Thomas Hester, Inc., a practice management and administration business. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement, using a combination of research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Kathleen L. Clark is a financial advisor with UBS Financial Services in Miamisburg, Ohio. She holds Series 63 and Series 66 licenses and has 26 years of industry experience. Clark has been with UBS Financial Services since 2011. Outside of her advisory role, she is involved in direct sales of beauty and kitchen products through SeneGence International and Pampered Chef. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans and manages services across planning, portfolio management, and capital markets.

Ryan Wheatley is a financial advisor with Edward Jones in Lebanon, Ohio, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Lisa Miller is a financial advisor at Merrill with 26 years of industry experience. She has been with Merrill since 1997 and holds Series 63 and Series 65 credentials. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and tax-efficient investment strategies, leveraging its integration with Bank of America affiliates to support trading, lending, and capital-markets activities.