Michael Bowling is a CFA® charterholder and Series 65 licensed advisor based in Cincinnati, Ohio, with 19 years of industry experience. He has led Beechwood Capital Management, Inc. since 2006 and concurrently serves as a mathematics instructor at Xavier University, a role he has held since 2005. Beechwood Capital Management provides discretionary portfolio management to individuals, retirement accounts, trusts, pension and profit-sharing plans, and charitable organizations. The firm employs a value-oriented investment approach focusing on equity portfolios and closed-end funds, managing accounts on an individualized basis with consideration for client-specific factors.

Colby Gleckler is a Series 65 licensed advisor at Bear & Eagle Investments LLC with one year of industry experience. His prior work includes roles at Woodland Golf Course and Cintas, as well as ongoing employment at the University of Cincinnati. Bear & Eagle Investments LLC serves individuals and households, including high-net-worth clients, by providing discretionary portfolio management and financial planning services. The firm employs a fundamentally oriented, value-focused investment approach using financial-statement analysis and quantitative screens to construct diversified, client-tailored portfolios.

About the Firm Balance Life Planning was created to help mid-career individuals and families find balance between the financial and lifestyle needs of today, tomorrow, and legacy. Our approach combines the core tenets of financial planning: Investment Strategy Tax Planning Cash Flow/ Retirement Planning Insurance Analysis Estate Planning Furthermore, we offer planning catered to families that have more complex compensation such as stock options, RSUs, Employee Stock Purchase Plans (ESPP), etc. We utilize the latest technology available to deliver a seamless client experience that includes a planning portal, secure vault for planning documents, tax planning tools, and more. About Me I was born and raised in Canton, OH and relocated to the Cincinnati area to attend Xavier University. During that time, I met my wife Erica, and we settled in Villa Hills, KY. We have three beautiful daughters: Molly, Taylor, and Charlotte. We enjoy traveling, various sports, and dogs (we have three dogs Rev, Louis, and Teller). I started in the Financial Services industry at a large investment firm in 2011. During my nearly 10 years there, I worked my way from customer service, through various trading positions, to a book of clients of over 900 high-net worth households that I assisted with planning and investing. In February 2015, I earned my CFP® marks (CERTFIED FINANCIAL PLANNER™). In September 2020, I decided it was time for a change that offered a better life balance and client experience. I joined a smaller firm in Blue Ash, OH, as a Senior Advisor. During that time, I gained valuable experience working through complex planning scenarios with high-net worth clients, managing day to day operations of the firm, and was closely connected to a first-class CPA firm. Of the thousands of clients I've had the privilege to serve, several carried ranging degrees of regret around their financial planning path. Most of which sounded like: "if I knew then what I knew now, I would have...". I have designed Balanced Life Planning to meet clients and families where they are earlier in life to create better financial outcomes.

My mission is to provide independent and reliable financial planning, coaching and investment advisory services for the purpose of enhancing the financial well-being of clients and their communities. As Founder and Chief Compliance Officer of NorthPoint Financial Planning my guiding principle is to be the financial advisor that I always wanted to hire before becoming one; that is, one who: ♦ develops a strong relationship and a nuanced understanding of each client's goals and expectations ♦ does the 'legwork' and research before recommendations are made ♦ provides specific recommendations based on experience and thorough analysis ♦ offers full transparency regarding compensation received for services My areas of expertise include: ♦ Financial Planning ♦ Investment Management ♦ Small Business Retirement Plans ♦ Insurance Analysis Prior to founding NorthPoint Financial Planning, I enjoyed a successful career serving as director for a diversified financial services enterprise; providing insurance and asset management solutions to financial advisors and their clients. My experience includes over 30 years of helping clients to achieve their personal, business or plan sponsor related financial objectives. I have served as Past President of the Columbus Chapter of the Society for Financial Service Professionals, a multidisciplinary network of professional advisors including those designated as CFP, CPA, JD, CLU and ChFC. The Society's mission is to support the highest standards of ethical and professional achievement and to promote awareness by the general public of the benefits of working with a professionally designated advisor. Education ♦ University of Dayton - Dayton, OH ♦ Bachelor of Science, Finance - 1989 ♦ Drexel University - Philadelphia, PA ♦ Masters of Business Administration, Finance – 1999 Licensure & Registrations ♦ Investment Adviser Representative

Bethany Huffman is a Certified Financial Planner™ with 16 years of industry experience. She is the sole advisor at Huffman Wealth Management, where she has worked since 2022. Prior to that, she was with Bohmer Kilcoyne Wealth Management LLC for nine years and LPL Financial Corporation for 15 years. She is also a licensed notary public in Ohio. Huffman Wealth Management provides financial planning, consulting, and discretionary investment management services to individuals, including high-net-worth clients, as well as pension plans, trusts, estates, charitable organizations, and corporations. The firm uses proprietary, model-based strategies focused on risk management and tailors allocations to client risk profiles, while also offering client-only tax preparation services and insurance product sales through licensed advisors.

Daniel Armstrong is a CFA® charterholder and Series 63 licensee with 14 years of experience in financial advising. He is the principal of Solido Financial LLC and has prior roles with The Leaders Group Inc. He serves on the finance committee of Mt. St. Mary’s Seminary, reviewing financials and the endowment. Armstrong also manages insurance-related business activities through Solido Insurance and other affiliated entities. Solido Financial LLC provides discretionary portfolio management and written financial planning to individuals, high-net-worth clients, and businesses. The firm uses a documented Investment Policy Statement process and employs a range of investment strategies including mutual funds, equities, fixed income, ETFs, and alternative investments, while also offering commissionable insurance and securities products through affiliated entities.

David Moerlein is a financial advisor at Belay Finance with one year of industry experience. He holds a Series 65 designation and previously worked at Google, Inc. for 15 years. Outside of advising, he owns Moerlein Publishing, LLC, a separate publishing and consulting business. Belay Finance provides financial planning and consulting services to individuals and high-net-worth clients, focusing on cash flow, retirement, tax reduction, risk management, and estate preservation. The firm offers educational seminars and delivers written plans and recommendations without managing client assets or offering discretionary portfolio management.

Brock Muller is a financial advisor at E2 Financial Services, LLC with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Edward Jones, Cornerstone Retirement Advisors, and Raymond James Financial Services. In addition to his advisory role, he operates as a sole proprietor insurance agent. E2 Financial Services provides investment advice and ongoing portfolio management on a non-discretionary basis to individuals, high-net-worth clients, and business entities. The firm combines personalized investment planning with insurance product recommendations through an affiliated agency and emphasizes client approval for all trades.

Debora Caley is the principal advisor at Richwood Investment Advisors, LLC in Cincinnati, OH, with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has led Richwood Investment Advisors since 2010. Outside of her advisory work, she owns and manages several non-investment-related businesses, including a wholesale office furniture company. Richwood Investment Advisors provides discretionary investment management and financial planning services to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm emphasizes customized Investment Policy Statements and employs a combination of fundamental and technical analysis in its investment approach.

Victor Moy is the principal of Moy Investment Management, LLC in Cincinnati, OH, holding the CFA® designation and Series 63 license with 25 years of industry experience. He has led Moy Investment Management since 2009. Moy Investment Management provides discretionary investment management and financial planning services to individuals, high-net-worth clients, trusts, charitable organizations, corporations, and retirement plans. The firm offers tailored investment programs based on fundamental, quantitative, and modern portfolio theory methods, and is notable for its institutional and pension consulting services, including ERISA advisory roles and participant education.

Kevin Aug is a CFA® charterholder and the sole advisor at Anchor Wealth Advisor with five years of industry experience. His background includes a decade at JP Morgan Asset Management and six years at Constellation Wealth Advisors. Anchor Wealth Advisor provides discretionary asset management primarily through third-party managers and by managing pooled or institutional mandates. The firm’s investment approach emphasizes fundamental analysis and tailors strategies to client goals, utilizing both long- and short-term holdings with periodic rebalancing and tax-loss harvesting opportunities.

Matthew Richardson is a Series 65-licensed advisor with seven years of industry experience. He is currently with Calculated Wealth and has prior experience at Stillpoint Capital and Manley Deas Kochalski LLC. He is also the owner of Mandelbrot Research LLC, a firm that sells investment research to advisory firms. Calculated Wealth serves individual investors, high-net-worth clients, and small businesses by providing comprehensive financial planning and discretionary portfolio management. The firm combines passive, strategic asset allocation with a tactical quantitative approach, implementing client-specific investment policies on a discretionary basis.

Christopher Carbone is a financial advisor at Bellwether Investment Services LLC with 17 years of industry experience. He has held positions at LPL Financial LLC and National Wealth Management Group, LLC before joining Bellwether in 2020. Carbone holds a Series 63 designation. Bellwether Investment Services LLC provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, and business entities. The firm focuses on equities, mutual funds, and ETFs, constructing portfolios that combine equity, fixed income, and alternative investments with an active management approach and risk management.

Todd Wenning is a CFA® charterholder with seven years of industry experience. He is the principal of KNA Capital and has previously worked at Ensemble Capital Management and Johnson Investment Counsel. Wenning is also the principal and sole member of W8 Group LLC, a publishing and writing business focused on investment-related content, and serves as a lecturer and director of the Hanley Center for ESG Investing at the University of Dayton. KNA Capital serves individuals, families, charitable organizations, trusts, estates, and business entities by providing discretionary investment management and comprehensive wealth advisory services. The firm employs a fundamental, value-oriented investment approach focused on companies with durable competitive advantages and integrates tax considerations into portfolio management.

Richard Fein is a CFP® and Series 65-licensed financial advisor with 19 years of industry experience. He has led Fein Advisors since 2004, providing financial planning and investment consulting services from Cincinnati, OH. Fein Advisors delivers personalized financial planning and retirement plan reviews for individual clients, focusing on comprehensive recommendations without discretionary portfolio management. The firm emphasizes flat-fee or hourly engagements and does not take custody of client assets, allowing clients to maintain control over their investment execution.

Steven French is the sole advisor at Harvest Money | Invest Your Faith, holding Series 63 and Series 65 licenses with 32 years of industry experience. He has been affiliated with OBS Brokerage Services, Inc. since 2012 and has managed Member Map LLC since 2010. Outside of advisory work, French is the managing member of Harvest Financial Resources LLC, which provides accounting, bookkeeping, and tax services. Harvest Money serves individual clients, including high-net-worth individuals, offering discretionary investment management combined with financial planning. The firm employs a primarily passive investment strategy using index funds and ETFs, supplemented by active management techniques, and provides integrated accounting and tax services through its affiliated entity.

Theodore Kelly Sr. is a CFP® certificant with nine years of experience in financial planning. He is the sole advisor at Kelly Financial Planning, LLC, where he has worked since 2017. He also serves as an independent board member for Warsaw Federal Savings and Loan. Kelly has a background that includes founding Right Path Enterprises, LLC, and a brief affiliation with Rotary International. Kelly Financial Planning, LLC provides comprehensive financial planning primarily for high-net-worth individuals and small businesses. The firm emphasizes written or electronic plans covering various financial areas and favors passive investment strategies without managing client portfolios directly.

Ronald Mahorney is a CFP® professional with 38 years of experience in financial advising. He is the principal and sole advisor at Cincinnati Wealth Management, Inc., where he has worked since 2017. Prior to that, he operated Mahorney Retirement Specialist, Inc. for 18 years and spent over two decades at LPL Financial. Cincinnati Wealth Management, Inc. is a boutique independent advisory firm serving individuals, families, trusts, and business entities. The firm focuses on discretionary portfolio management, financial planning, and hourly consulting, utilizing mutual funds and ETFs with an emphasis on tax-aware planning and treating cash as an asset class.

Chrysantha Clark is a CFP®-certified financial advisor with 15 years of industry experience. She is the principal advisor at Chrys Financial Planning, LLC, an independent firm she has led since 2022. Prior to founding Chrys Financial Planning, she worked at Pillar Financial Advisors, LLC and Meridian Wealth Management, LLC. Chrys Financial Planning provides wealth management and project-based financial planning services to individual and high-net-worth clients. The firm employs a passive investment approach based on modern portfolio theory, utilizing ETFs, mutual funds, and fixed income, alongside fundamental analysis for individual securities selection.

John Cioffi is a financial advisor at Vertice Capital Partners, LLC with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Cullen Cioffi Capital Management and Vertice Capital Advisors, LLC. Outside of his advisory role, he serves as Vice President of the Sutherland Community Home Owners Association and owns an LLC with interests in various restaurant franchises. Vertice Capital Partners provides discretionary portfolio management and investment advice primarily to individual and high-net-worth clients, as well as pension and profit-sharing plans. The firm employs an investment approach that includes ETFs, options strategies, and quantitative methods, managing accounts generally on a discretionary basis aligned with client objectives and risk tolerances.