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 in Centerville, OH, holding a Series 66 designation and 25 years of industry experience. He has worked with Primerica Advisors since 2018 and previously held roles at Stratos Wealth Partners and LPL Financial. Outside of advisory services, he is involved in sales of loan products and home-related services referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with trading and custody services facilitated by 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.

Daniel Clark is a CFP® professional with seven years of industry experience. He is currently affiliated with Charles Schwab in Cincinnati, OH. His prior experience includes roles at Fidelity Investments and Fidelity Brokerage Services LLC. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering non-discretionary advisory services alongside access to discretionary separately managed accounts and multi-asset model portfolios. The firm is notable for its scale, integrated operational structure, and combination of advisory and brokerage services.

Christopher Wysong is a financial advisor at Ameriprise with 17 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise and its affiliate since 2015. Outside of his advisory role, he serves as treasurer for several local organizations, including the Library Levy Campaign, Heart of Centerville and Washington Township, and the Centerville-Washington Foundation, and participates on the Washington Centerville Public Library Financial Advisory Committee. Ameriprise provides retirement-income planning services targeted to individuals nearing or in retirement, typically with at least $1 million in investable assets. The firm combines research and modeling with tax-efficient strategies to create personalized, non-discretionary recommendations delivered in partnership with clients’ financial advisors.

Darrin Bollenbacher is a financial advisor at LPL Financial with 19 years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley and LCNB National Bank. 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 advisory and brokerage services, including financial planning and institutional platforms, supported by extensive resources and a large network of advisors.

Shelby Lake is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including Royal Alliance Associates and Sterne Agee. Lake is also co-president of ABS Financial Group, Inc., a firm providing life, disability, and long-term care insurance services. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services with diverse portfolio construction tools and access to third-party money managers.

Lauren Davies is a financial advisor at Ameriprise with five years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2019. Prior to this, she was employed at MaidPro from 2015 to 2019. Outside of her advisory role, she is an employee assistant at RANDIN LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Shannon Wilkin is a financial advisor with LPL Financial in Dayton, Ohio, holding Series 63 and Series 66 registrations and having 22 years of industry experience. His prior work includes roles at John Milo, Waddell & Reed, Inc., and Key Investment Services. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Barbara Rac is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2019. She focuses on partnering with clients to help them define their financial vision and develop personalized plans to work toward their financial goals. Barbara has accumulated extensive experience in the financial services industry, having held roles as a Financial Planner at Prudential Advisors from 2017 to 2019, a Financial Advisor at Prudential Life Insurance Company of America from 2013 to 2017, and a Financial Representative at Prudential Life Insurance Company of America from 2010 to 2013.

John Woeste is a financial advisor at Osaic Wealth Inc with 26 years of industry experience. He holds Series 63 and Series 65 credentials and previously spent 23 years at Stifel Independent Advisors, LLC. Outside of his advisory role, he is involved in writing books, screenplays, theatrical shows, and board games. Osaic Wealth, Inc. serves a diverse range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services utilizing a variety of asset-allocation tools and access to third-party money managers and wrap programs.

Dara Demaree is a financial advisor with Osaic Wealth, Inc. in Centerville, Ohio, holding Series 63 and Series 65 credentials and 22 years of industry experience. He was previously affiliated with Sagepoint Financial, Inc. for 14 years and also has longstanding involvement in the insurance industry through his own Demaree Financial Group, where he sells and services life and long-term care insurance. Additionally, he is a commissioned notary. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, including financial planning and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios and supports multiple advisory platforms.

Robert Newsock is a financial advisor at Morgan Stanley with 39 years of industry experience. He has held previous positions at Merrill and Bank of America, and has been with Morgan Stanley and its Private Bank since 2017. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services that utilize firm-approved tools and methodologies.

Charles Southard is a financial advisor with Ameriprise in Germantown, Ohio, holding 40 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he manages a real estate business through AMPEX, LLC. Ameriprise offers retirement-income planning services targeted at individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with financial advisors.

Jillian Milano is a financial advisor with Ameriprise in Beavercreek, OH, holding a Series 66 designation. She has been with Ameriprise since 2021 and previously worked in educational roles at Oakland University, Wright State University, and Carroll High School. Ameriprise offers a retirement-income planning service tailored to individuals with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools to deliver personalized retirement income advice within a large institutional framework.

Brianne Squibb is a financial advisor with UBS Financial Services in Miamisburg, Ohio. She holds a Series 63 designation and has 18 years of industry experience. Her career includes roles at Merrill, David A. Noyes & Company, Morgan Stanley, and Citigroup Global Markets. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a wide array of capital markets functions.

William Drees is a Financial Advisor with Merrill Lynch Wealth Management. He addresses the complex financial, retirement, and wealth management needs of his clients through a holistic approach. Bill joined Merrill after five years in the oil refining industry as a Chemical Engineer. He holds a Bachelor of Science degree in Chemical and Biomolecular Engineering from Ohio State University and is a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His background as a chemical engineer contributes distinct perspectives and analytical skills to his financial advisory practice. Bill is a native of Vandalia, Ohio, and currently resides in West Chester. He enjoys traveling, pickleball, and fishing. He is actively involved in his community through his membership and service as a Board Member of the Rotary Club of West Chester/Liberty.

Katherine Breitenstein is a financial advisor with Ameriprise in Kettering, OH, holding a Series 66 designation and 14 years of industry experience. She has worked with Ameriprise and its affiliates since 2011, including a role at The O.N. Equity Sales Company. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brian Rathbun is a financial advisor with Robert Baird & Co. in Miamisburg, Ohio, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He worked at UBS Financial Services for 19 years before joining Baird in 2019. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises a range of clients including individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing both in-house and third-party managers across various investment strategies.