Philip Gallagher is a financial advisor with LPL Financial in Centerville, OH, holding Series 65 and Series 66 credentials and 20 years of industry experience. He previously worked at ValMark Advisers, Inc. and Valmark Securities, Inc. He operates a business entity related to his advisory activities. 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, offering a range of advisory programs, financial planning, retirement plan consulting, and brokerage services.

Jay Culbertson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2003. 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 and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Jeffrey Hochwalt is a financial advisor at Cambridge Investment Research Advisors with 44 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to his current role, he has been affiliated with Cambridge Investment Research since 2008. Outside of advising, he owns a photography business and operates Financial Resource Partners LLC, which encompasses college planning and other financial services. Cambridge Investment Research Advisors serves a broad range of clients including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm utilizes a network of independent professionals and provides both proprietary and third-party investment strategies tailored to client objectives across multiple platform arrangements.

Jacob Goubeaux is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill and Bank of America in 2025, he worked at Buckeye Ag Testing and has been involved in family farm operations and hospitality roles, including at Timothy's Bar and Grill since 2022. Outside of finance, he has hands-on experience in agriculture and bartending. 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 for a range of clients, including individuals, high-net-worth clients, and institutions.

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.

Andrew Davis is an Investment Consultant at Fidelity Investments, where he has been employed since 2026. In his role, he partners with clients to create financial plans tailored to their individual goals. Prior to this, he served as a Planning Consultant at Fidelity Investments from 2022 to 2026, and as a Relationship Manager at the same firm from 2019 to 2022. Andrew's professional experience includes positions at Chase Bank as a Private Client Banker from 2017 to 2019 and a Relationship Banker from 2014 to 2017. He also worked as a Client Service Specialist at Compass Financial Group from 2012 to 2014, and as an Agent at Primerica Financial Services from 2005 to 2010. He holds a California Insurance License. Outside of his professional career, Andrew enjoys family activities, golf, outdoor adventures, running, and traveling.

Matthew Richardson is a CFP®-credentialed financial advisor with 27 years of industry experience. He has been with LPL Financial since 2020 and previously worked at David Bodnar Advisors, LLC and Triad Advisors Inc. Outside of his advisory work, Richardson has involvement with Richbrook Homes LLC, a home-based business entity established for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with support from LPL Research and third-party subadvisors.

John Grubb is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that align with clients’ individual financial situations and goals. His approach involves gaining a thorough understanding of each client and their family, then tailoring a flexible financial plan responsive to evolving needs and market conditions. John also offers access to Merrill’s investment insights and the banking services of Bank of America to address comprehensive aspects of clients’ financial lives. John's expertise includes divorce transition planning, family wealth management strategies, services for defined benefit plans, legacy planning, personal retirement planning, and retirement income. He holds the designations of Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor’s degree from Miami University. In addition to his professional role, John follows the tradition of community engagement at Merrill and spends time volunteering with local organizations. His personal interests include biking, fishing, golfing, running, scuba diving, skiing, soccer, surfing, swimming, and tennis.

Samuel Taylor is a financial advisor with LPL Financial in Centerville, OH, holding a Series 66 license and three years of industry experience. His prior roles include positions at PNC Bank, PNC Investments, Wright-Patt Credit Union, and CUSO Financial Services. He is also involved in a retirement solutions business affiliated with LPL Financial. 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, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and various technology-driven strategies.

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.

John Grubb is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies tailored to clients' individual goals and financial situations. His approach includes comprehensive planning that adapts to changing market conditions, utilizing the investment insights of Merrill and the banking and lending solutions of Bank of America. John’s client focus areas include divorce transition planning, family wealth management strategies, services for defined benefit plans, legacy planning, personal retirement planning, and retirement income. He holds professional designations such as Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). John earned his bachelor’s degree from Miami University. In addition to his professional work, John participates in community service consistent with Merrill’s tradition of local involvement. His personal interests include biking, fishing, golfing, running, scuba diving, skiing, soccer, surfing, swimming, and tennis.

Adam Bowling is a financial advisor with Thrivent Investment Management in Miamisburg, Ohio. He holds a Series 66 designation and has six years of industry experience. His prior work includes positions at Thrivent Financial, Jeff Wyler Auto Family, and several religious and publishing organizations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without discretionary portfolio management. The firm combines planning and managed-account services through a consolidated billing option called “WealthPlan,” while maintaining these services separately.

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.

Lisa Miller is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she works with individuals and families to develop personalized wealth management strategies aligned with their long-term goals. She has more than 12 years of experience in the financial services industry and joined Merrill Lynch Wealth Management in 2016. A significant part of her practice focuses on supporting women navigating major life transitions such as divorce and widowhood. She holds the Certified Divorce Financial Analyst (CDFA) certification, which enhances her ability to guide clients through these complex situations with clarity and structure. In her role, Lisa collaborates closely with clients' attorneys, accountants, and other professionals to support well-coordinated decision-making. She helps clients organize and understand their financial picture while providing guidance during both stable periods and times of transition. Lisa holds a Bachelor's Degree from the University of Minnesota System and has earned professional designations including CDFA and Personal Investment Advisor (PIA). She also leads divorce workshops as part of her professional involvement. Outside of her professional work, Lisa engages with community organizations such as Wife.org and enjoys personal interests including gardening, practicing yoga, reading, and spending time with her family.

Paul Miller is a financial advisor with Osaic Wealth, Inc. based in Centerville, Ohio. He holds a Series 63 designation and has 33 years of industry experience. His prior work includes roles at Royal Alliance Associates and Sterne Agee. Outside of his advisory work, he serves as a board member of the Tawasi Men's Lunch Group, which focuses on organizing speakers and activities. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a broad network of advisers and platforms. The firm offers integrated brokerage and advisory services, utilizing various asset allocation tools and third-party solutions to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

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.

Kevin Poynton is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to develop financial strategies aimed at pursuing their short-, mid-, and long-term goals. He offers guidance in general investing, retirement planning, and saving for unexpected needs, while also providing access to banking, credit, home financing, and small business solutions through Bank of America specialists. With a background in the non-profit industry, Kevin transitioned to financial advising to help clients pursue their financial goals by integrating all aspects of their financial life. His areas of focus include college education planning, personal retirement planning, and small business strategies. Kevin employs a comprehensive approach that considers risk tolerance, time horizon, liquidity needs, and goals to create personalized financial strategies. Kevin holds a Bachelor's degree from the University of Dayton and has earned the Personal Investment Advisor (PIA) designation. He is active in his community, dedicating time to coaching baseball and volunteering in local parishes. Kevin resides in Dayton with his wife and their four children.

Sandra Long is a financial advisor at Ameriprise with 22 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2019, with prior experience at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.