Joy Pascoe is a financial advisor with UBS Financial Services in Miamisburg, Ohio, holding a Series 66 designation and 17 years of industry experience. She has been with UBS since 2013. Outside of her advisory role, she owns and operates Cedar Ridge Farm Stand, which produces and sells handmade lavender and home products. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

John Schaffstein is a financial advisor at Robert Baird & Co. with four years of industry experience. He holds the Series 66 designation and has worked at Baird since 2020. Before joining Baird, he held roles at Amazon, Eco Tan, and the University of Dayton. Robert Baird & Co.’s DDK Group serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers financial planning, portfolio management, and custody services, utilizing internal research and a variety of separately managed account strategies.

Thomas Bidwell is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and its Private Bank since 2009. Outside of his advisory role, he serves as an adjunct instructor at the University of Dayton. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning using firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional offerings with specialized investment and advisory services.

Eugene Peters is a financial advisor at Ameriprise with 33 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 1993. Outside of his advisory role, he prepares tax returns and supervises interns and staff at Hartlaub CPA Advisory Group. Ameriprise serves clients primarily through its retirement-income planning service aimed at individuals with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Travis Carnes is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2002. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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.

Jay Otto is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2014. Outside of his advisory work, he owns Javajig, LLC, a coffee processing business. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers various investment solutions including wrap programs and private funds.

Walter Roderer III is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 10 years of experience in the financial services industry, providing expertise in areas such as college education planning, family wealth management strategies, executive compensation, employee financial health, retirement income, and portfolio management services. Walter holds a Bachelor's Degree in Business Administration from The Ohio State University. He holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is involved in his local church and spends time pursuing personal interests such as baseball, cooking, football, golfing, music, reading, running marathons, skiing, spending time with his family, and yoga.

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.

Candace Walker is a financial advisor at UBS Financial Services with 21 years of experience in the industry. She holds a Series 66 designation and has been with UBS since 2005. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a wide range of capital markets and research resources.

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.

James Markley is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He works with clients to develop dynamic financial plans tailored to their individual goals. Prior to this, he served as an Investment Consultant and a Financial Representative at Fidelity Investments from 2022 to 2025. Before joining Fidelity, he worked as a Financial Advisor at Raymond James from 2019 to 2022. James brings experience in financial planning and investment consulting to his current position. He applies his professional background to assist clients in achieving confidence in their financial decisions. Outside of his professional life, James is a husband and father of three, which informs his understanding of the complexities involved in creating financial plans for families. In his personal time, James enjoys attending concerts, participating in football, gardening, playing tennis, going to the theater, and volunteering.

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.

David Liss is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2004. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm employs quantitative asset-allocation modeling combined with centralized due diligence and integrates an ESG eligibility framework in its recommendations.

Mark Burton is a financial advisor with Ameriprise in Bellbrook, OH, holding Series 63 and Series 65 designations and 26 years of industry experience. Before joining Ameriprise in 2019, he worked at Wells Fargo Advisors and Wells Fargo Clearing for a combined ten years. He serves on the Board of Directors for the Kiwanis Club of Dayton and participates in finance and investment committees for local nonprofit organizations. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver customized, non-discretionary recommendations through a centralized consulting team.

Jerry Henderson is a financial advisor with Primerica Advisors in Centerville, Ohio, holding 10 years of industry experience. He has been with Primerica Advisors, Greenbriar, and Primerica Financial Services since 2015. In addition to his advisory role, he is involved in sales of investment-related products and receives compensation for referrals related to home security, automation, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm uses an independent due-diligence process to select asset managers and implements models via BNY Mellon Advisors, with a distinctive tiered wrap-fee structure and operational oversight of third-party managers.

Alexandros Pericleous is a financial advisor with Ameriprise in Lebanon, Ohio, holding a Series 66 designation and five years of industry experience. He has worked at Ameriprise since 2020, following roles at Wright State University and Sinclair College. Outside of his advisory work, he is involved with Randin LLC in a client service capacity. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to develop tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Brandy Risheill is a financial advisor with UBS Financial Services in Miamisburg, Ohio, holding a Series 66 designation and 14 years of industry experience. She has been with UBS since 2016. Outside of her advisory role, she teaches a course on Financial Strategies for Successful Retirement at the University of Dayton and instructs on the Financial Aspects of Divorce and Estate Settlements at the Christian Life Center. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management and offering fee-based financial planning, portfolio management, and access to proprietary research.

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.

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.