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.

Chad Strong is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 22 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked concurrently at JPMorgan Chase Bank, N.A. since 2010. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with brokerage, distribution, and investment management capabilities.

Martin Kappeler is a financial advisor at LPL Financial with 18 years of industry experience. He has worked previously at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory role, he is involved as the owner of Kappeler Wealth Management, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and nonprofits through a national network of representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jonathan Hale is a Series 66-licensed financial advisor with Morgan Stanley in Beavercreek, Ohio, bringing 10 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, he is involved in family limited partnership activities related to real estate and tax planning. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including customized financial planning that utilizes structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Luke Williamson is a financial advisor at Raymond James Financial with two years of industry experience. He holds a Series 66 designation and has worked at multiple entities within Raymond James since 2023. Outside of his advisory role, he is involved as an independent contractor with Williamson Wealth Advisors, providing client service and investment management. Raymond James Financial Services Advisors, Inc. serves a diverse client base that includes individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset-allocation analysis and firm research to tailor recommendations while leaving final decision authority with clients.

Chet Saunders is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for SagePoint Financial for 12 years. Outside of his advisory role, Saunders owns and operates a driving range in Fairborn, Ohio. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services alongside financial planning and retirement consulting. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types for both discretionary and non-discretionary accounts.

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 28 years of industry experience. He has been with Primerica Advisors since 1997 and Primerica Financial Services since 1996. Outside of advisory work, 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, which provides model-delivery strategies and limited separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

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 at Raymond James & Associates with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Raymond James, he worked for LexisNexis for five years and has held various roles at firms including JPM Distribution Services, Northwestern Mutual, and Marine Solutions, Inc. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and government entities. The firm provides wealth advisory planning and investment consulting with a focus on non-discretionary advice and offers municipal and public finance capabilities through an extensive affiliate network.

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.

David Baller is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo since 2015, initially at Wells Fargo Advisors LLC before joining Wells Fargo Clearing. Outside of his advisory role, he serves as treasurer and finance committee member for Dayton Crayons to Classrooms, a nonprofit organization that collects and distributes school supplies to teachers in need. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of investment vehicles, including insurance-related products and bank deposit sweep options.

Shelby Lake is a financial advisor with Osaic Wealth, Inc. based in Centerville, OH, holding Series 63 and Series 65 credentials and 26 years of industry experience. Prior to joining Osaic, Lake worked at Royal Alliance Associates, Sterne Agee Investment Advisor Services, Sterne Agee Financial Services, and Wrp Investments. Outside of advisory work, Lake is Co-President of ABS Financial Group, Inc., a financial services company specializing in life, disability, and long-term care insurance. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a broad network of financial advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services with various investment tools and access to third-party money managers, supporting both discretionary and non-discretionary account management.

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 licenses and having 22 years of industry experience. Prior to joining LPL in 2021, Wilkin worked at key Investment Services from 2012 to 2021 and has experience with Waddell & Reed and various insurance carriers. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations, offering a range of financial planning and advisory programs supported by research and multiple portfolio management options.

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.

Mark Monbeck is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo in various capacities since 2011. Outside of his advisory role, he owns and manages a rental property. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory and tailored to plan-specific objectives.

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.