Richard Tuvell is a financial advisor with Primerica Advisors in Dayton, OH, holding a Series 63 designation and 16 years of industry experience. He has been associated with PFS Investments Inc. since 2010 and Primerica Financial Services since 2009. Outside of advisory activities, he receives compensation for referrals related to home security and automation products, as well as loan product sales through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, along with corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

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.

Douglas Cline is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the boards of the Dayton Habitat for Humanity and the Dayton Chamber of Commerce, and is a city council member and deputy mayor of Centerville, Ohio. Additionally, he is involved with the Grandview Foundation’s finance committee and other local community organizations. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, employing firm-approved planning tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and financial services.

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.

Zachary Winning is a financial advisor with Morgan Stanley in Beavercreek, Ohio, holding Series 63 and Series 65 licenses and seven years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Meeder Investment Management, and Ultimus Fund entities. Outside of finance, he is the sole proprietor of Winning Property Solutions, a business focused on purchasing and rehabilitating distressed real estate for resale. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach involves structured discovery conversations and firm-approved planning tools, supporting clients with diverse investment and estate planning needs.

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.

Sara Smith is a financial advisor at Edward Jones in Dayton, OH, holding a Series 66 designation with 27 years of industry experience. She previously worked at Cuna Brokerage Services, Inc. and Universal 1 Financial Advisory Group for 12 years each before joining Edward Jones in 2019. Outside of her advisory role, she has worked in retail as a cashier and floor associate. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a wide range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors.

Kevin Larger is a financial advisor with Thrivent Investment Management in Vandalia, Ohio, holding Series 63 and Series 66 registrations and bringing 16 years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2016. Outside of his advisory work, he serves as a non-voting member of the local advisory board for LifeWise Academy, providing input on Bible-based character education programs for public school students, and co-chairs the Rotary Foundation of the Vandalia Rotary Club, where he educates members on charitable giving. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, focusing on holistic, goal-based financial analyses without discretionary trading authority. The firm combines planning with managed-account programs under a consolidated billing option while maintaining separate service structures.

Robert Brown is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds the Series 66 designation and has prior work history with Forrester Research and Pacers Sports and Entertainment. Brown serves as Vice President for two nonprofit organizations, Beat the Streets Miami Valley and Break Away Sports Ohio, both focused on supporting underprivileged youth through sports, academics, and faith. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering comprehensive, goal-based financial analyses without discretionary trading authority. The firm allows clients to combine planning with managed-account services under a consolidated billing option called WealthPlan.

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.

Donald Williams is a financial advisor with Primerica Advisors in Dayton, OH, holding a Series 63 designation and 14 years of industry experience. His prior roles include positions at PFS Investments, Inc. and Odyssey Retail. Outside of his advisory work, he is involved with Odyssey Retail, a merchandise reset business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure rather than fixed fees.

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.

Nathaniel Anthony is a Series 66-credentialed financial advisor with 16 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2019 and previously held roles at Xenia Christian and Legacy Christian Academy. In addition to his advisory work, he serves as an associate employee at McGillivary & Ippisch Wealth Advisors, managing assets for both personal clients and those of Marty McGillivary. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm provides non-discretionary planning tailored to client goals and supports municipal finance work through a unique affiliation with a municipal advisor.

Kevin Green is a financial advisor with Raymond James Financial in Dayton, OH, holding a Series 63 designation and 30 years of industry experience. He previously worked at LPL Financial for 12 years before joining Raymond James in 2017. In addition to his advisory role, Green serves as an independent contractor and insurance agent with Harrison Wealth Management Group, where he conducts client meetings, investment research, and due diligence. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, and institutional clients. The firm uses tailored, non-discretionary planning tools and supports a broad advisor network with services that include municipal advisory work and specialized employer consulting programs.

Elizabeth Braun is a financial advisor with Primerica Advisors in Centerville, OH, holding Series 63 and Series 65 licenses and four years of industry experience. She has been with Primerica Advisors since 2022 and has worked at Primerica Financial Services since 1999. Outside of advising, she is involved in sales of home security and automation products, as well as other home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven investment strategies offered by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

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.