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.

Michael Scheel is a financial advisor with Profolio Investments, Inc. in Union, KY, holding Series 63 and Series 66 credentials and 20 years of industry experience. He has been with Profolio Investments since 2014. Profolio Investments, Inc. is an independent registered investment adviser serving individuals, trusts, estates, charitable organizations, corporations, and plan sponsors. The firm offers fee-based discretionary portfolio management, written financial planning, and retirement plan services, focusing on strategic asset allocation and customized portfolios that may include exchange-listed securities, fixed income, ETFs, and select alternative investments.

Daniel Armstrong is a CFA® charterholder with 15 years of industry experience. He is the sole advisor at Solido Financial LLC, an independent firm based in Cincinnati, OH. Prior to establishing Solido Financial, he held roles at The Leaders Group Inc and has been managing Solido Insurance since 2012. He serves on the finance committee at Mt. St. Mary’s Seminary, where he volunteers to review financials and the endowment. Solido Financial LLC provides investment supervisory services and financial planning to individuals and corporate clients, including high-net-worth individuals. The firm manages approximately $19.3 million across a diverse range of investments, employing both fundamental and technical analysis and offering discretionary portfolio management with access to model portfolio technology and commissionable insurance products through its 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.

Kevin Aug is a CFA® charterholder and principal of Anchor Wealth Advisor in Cincinnati, OH, with six years of industry experience. He previously worked at Constellation Wealth Advisors for five years and JP Morgan Asset Management for ten years. Anchor Wealth Advisor is an independent firm providing discretionary asset management and recommending third-party managers to individual and high-net-worth clients. The firm employs a fundamental analysis-based investment approach with portfolio monitoring, rebalancing, and occasional use of alternative investments.

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.

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.

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 III is a financial advisor at Vertice Capital Partners, LLC in Cincinnati, OH, with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill and Fidelity. Outside of advisory work, Cioffi serves as vice president of the Sutherland Community Home Owners Association and owns an LLC that holds interests in various restaurant franchises. Vertice Capital Partners provides portfolio management and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, and separately managed accounts. The firm employs a combination of quantitative, fundamental, technical, and cyclical analysis with long-term, short-term, and options strategies, managing accounts on a discretionary basis aligned with documented risk tolerances.

Vincent Forte is a financial advisor at Shawnee Investments & Planning with 10 years of industry experience. He has worked at several firms including HD Vest Advisory Services and Concentric Wealth Management. He holds a Series 66 designation and maintains an insurance license for client advice and education, though he does not receive commissions or renewal payments for these services. Shawnee Investments & Planning is a small, independent advisory firm serving individual clients, retirement plan sponsors, foundations, charities, and small businesses. The firm offers comprehensive financial planning, portfolio management, and educational workshops, and applies a Modern Portfolio Theory-based investment approach with core-and-satellite construction and fundamental equity analysis. The firm is notable for its pension and retirement-plan consulting services and regular complimentary educational workshops.

Susan Pack is a CFP® and PFS™ credentialed financial advisor with 26 years of industry experience. She has been the sole advisor at Pomeroy Financial Planning, LLC in Cincinnati, OH since 1996. Pomeroy Financial Planning is an independent, fee-only firm serving individuals, trusts, estates, and related small-business entities. The firm offers comprehensive and segmented financial planning and investment consulting through a consultative, non-discretionary approach that emphasizes strategic, long-term asset allocation primarily using low-cost index funds and ETFs.

Jerome Knochelmann is a financial advisor at Kwma with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Fidelity Investments and Fidelity Brokerage Services before founding Knochelmann Wealth Management & Advisor (KWMA) LLC. He is also the owner and registered agent of Atriox Capital LLC, which is currently not operating. KWMA provides investment advice and planning to individuals, trusts, estates, charitable organizations, and business entities, offering services including ongoing wealth management, comprehensive financial and retirement plans, and hourly consulting. The firm employs a disciplined, active, and diversified investment approach using firm-created model portfolios and various analytical methods, with certain higher-risk strategies applied only with client consent.

Thomas Isgrig is the sole advisor at Isgrig Capital Asset Management, LLC in Cincinnati, OH, holding a Series 65 designation with 20 years of industry experience. He has led his independent advisory firm since 2005. Isgrig Capital Asset Management serves individual and institutional clients, including pension and profit-sharing plans, trusts, and charitable organizations. The firm provides modular financial planning, qualified plan consulting, and third-party investment adviser recommendations, typically outsourcing portfolio management while focusing on broadly diversified, tax-efficient indexed ETFs and mutual funds.