David Mestemaker is a financial advisor at Charles Schwab with 11 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2022, following an eight-year tenure at TD Ameritrade Investment Management and ten years at TD Ameritrade, Inc. He is based in Cincinnati, Ohio. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment solutions combined with brokerage, custody, and cash-sweep services. The firm’s large scale and integrated operational structure provide clients access to multi-asset model portfolios, alternative investment due diligence, and centrally managed client support.

Theophanis Pericleous is a financial advisor with Ameriprise in Springboro, Ohio, holding a Series 63 designation and 37 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in capital investment and owns a restaurant in Dayton, Ohio. Ameriprise offers retirement-income planning services for clients typically with at least $1 million in investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. As a large institutional firm, Ameriprise also provides a broad range of advisory, brokerage, and insurance solutions.

Balinda Ferrara May is a financial advisor at Morgan Stanley with 41 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2017, following a lengthy tenure at Merrill from 1980 to 2017 and a brief period at Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies.

Anthony Gentry is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. since 1995. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process includes centralized due diligence combining quantitative and qualitative research and may incorporate an ESG eligibility framework.

Steven Ball is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Sterne Agee and Ameriprise Advisor Services. Ball is also co-president of ABS Financial Group, Inc., a financial services company involved in life and disability insurance. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services, including comprehensive financial planning and model-based portfolio management. The firm is notable for its scale, consolidation activity, and complex affiliate network supporting a wide range of client needs.

Seth Boehmer is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. His prior work history includes roles at UBS Financial Services, TransAmerica, and Bank of America, among others. Outside of finance, Boehmer has been involved with Skeleton Sports. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Tammy Kinstle is a financial advisor with Morgan Stanley in Beavercreek, Ohio, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley since 2013, with a brief period at Wells Fargo Clearing in 2016-2017. Outside of her advisory work, she is involved with the Miami County YMCA in a non-investment capacity. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning tools and tailored investment programs, while offering a broad range of retail and institutional services.

James Mayeux is a financial advisor at UBS Financial Services with 31 years of industry experience. He holds Series 63 and Series 65 certifications and has worked previously at Morgan Stanley and Citigroup Global Markets. Mayeux has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, delivering advisory work supported by proprietary research and model-based asset allocations.

Beth Kiernan is a Series 66-credentialed financial advisor with Ameriprise, based in Liberty Township, OH, and has 23 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2000. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering tailored Recommendation Reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized consulting team and combines research, modeling, and tax analysis in its approach, with an emphasis on Ameriprise-managed accounts and affiliated investment products.

Derek Vance is a financial advisor at UBS Financial Services with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. Outside of his advisory role, he owns and operates Vance's Gaited Acres, a horse boarding business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets products.

Martin Kappeler is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He previously worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities, where he spent over a decade. Outside of his advisory role, he owns Kappeler Wealth Management, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jonathan Hale is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015 and Morgan Stanley Private Bank, National Association since 2016. Outside of his advisory role, he is involved in a family limited partnership focused on real estate and tax planning. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and investment modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Leonard Neeley is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at firms including Empower Financial Services, TD Ameritrade, Fidelity, Merrill, and Bank of America. Based in Cincinnati, OH, he has been with Charles Schwab since 2022. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized operational and supervisory resources.

Luke Williamson is a financial advisor with Raymond James Financial in Dayton, Ohio. He holds a Series 66 credential and has three years of industry experience. Prior to his current role, he worked at various divisions of Raymond James and has experience in client service and investment management through his independent contracting with Williamson Wealth Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses risk profiling and analytical tools to tailor recommendations and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Adam Pfaff is a financial advisor with Ameriprise in Beavercreek Township, Ohio, holding a Series 66 designation and over 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, he is a partner in Lowe & Pfaff Associates LLC, which manages Ameriprise business expenses. Ameriprise is a large institutional firm that offers retirement-income planning services targeted at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations through a centralized consulting team.

Cledis Beard is a financial advisor with Primerica Advisors in Centerville, OH, holding 29 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1996 and 1997, respectively. Outside of advisory services, he is involved in the sale of loan products and home security and automation referrals through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-based strategies managed by unaffiliated asset managers and supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Jeffrey Layne is a financial advisor with Charles Schwab in Cincinnati, OH, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has worked with Charles Schwab since 2002 and was involved with Aerials Athletics LLC for 15 years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment placement process.

Eric Saddler is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in retirement planning, wealth management, and legacy planning, with additional focus areas including college education planning, socially responsible and ESG investing, tax minimization, and retirement income. Eric employs a holistic planning approach, engaging clients with thorough questioning to identify optimal financial strategies tailored to their individual needs. With nearly 30 years of experience, Eric's mission is to provide clear, personalized financial advice that fosters confidence and security in retirement. He holds a Bachelor's Degree from Miami University and is recognized as a Personal Investment Advisor (PIA). Outside of his professional role, Eric enjoys cooking, football, golfing, and spending time with his family.

Richard Burkes is a financial advisor with Primerica Advisors, holding a Series 66 credential and 26 years of industry experience. He has worked with several firms, including Stratos Wealth Partners, LPL Financial, and Chase Investment Services Corp. Burkes is involved in selling loan products and referrals related to home security and automation through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based investment strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Carson Cook is a financial advisor with Raymond James & Associates in Centerville, Ohio. He holds Series 63 and Series 66 credentials and has one year of industry experience. Prior to joining Raymond James, he worked for LexisNexis for five years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a broad client base including individuals, institutional clients, and charitable organizations. The firm provides financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles supported by in-house research and affiliated sub-advisers.