Michelle Altman serves as the Branch Leader at the Cincinnati Investor Center for Fidelity Investments, a role she has held since 2024. In this capacity, she coaches and develops associates to achieve their career goals and supports clients in working toward their financial objectives. Prior to this position, Michelle held several roles at Fidelity Investments, including Planning Consultant (2023-2024), Relationship Manager (2022-2023), Financial Representative (2021-2022), Investment Solutions Representative (2021), and Customer Relationship Advocate (2020-2021). This progression reflects her experience in client relationship management and financial planning within Fidelity Investments. Further details regarding her education, credentials, personal interests, or community involvement have not been provided.

Terrence Hosty Sr. is a financial advisor at Robert Baird & Co. with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including J.J.B. Hilliard, W.L. Lyons, Wells Fargo Clearing, A.G. Edwards & Sons, Citigroup Global Markets, and Legg Mason Wood Walker. Hosty is a passive investor in private equity through Vine Street Venture Fund 2 and in Greentech Motors Corporation, a company focused on electric motor manufacturing technology. Robert Baird & Co. serves individual, corporate, pension, and charitable clients through the DDK Group within its Private Wealth Management department, offering a variety of financial planning, portfolio management, and custody services. The firm employs a range of managed account strategies, tax management, and internal research tools, and has reported approximately $394 billion in regulatory assets under management as of December 31, 2025.

Ashley Droppelman is a financial advisor at Fidelity with Series 66 designation and one year of industry experience. Prior to her current role, she held positions in healthcare and retail sectors, including at IntelyCare and Target. She has also taken time as a stay-at-home parent. Fidelity’s Strategic Advisers LLC, where she works, provides investment management and advisory services to retail and institutional clients, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

William Goheen is a financial advisor with Cambridge Investment Research Advisors in Cincinnati, OH, holding Series 63, 65, and 66 designations and 23 years of industry experience. His prior roles include positions at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC, as well as a brief tenure at Waddell & Reed. Outside of his advisory work, Goheen is involved as a coach in a sport, fitness, and gaming organization. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Jose Chavez is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 licenses. He has 19 years of industry experience, including roles at INVEST Financial Corp., PNC Wealth Management, and Fidelity. Outside of his advisory work, he volunteers as a committee member at the Cincinnati Nature Center. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides both discretionary and non-discretionary management through various platforms and third-party advisers.

Matthew Buchheit is a CFP® professional with 11 years of experience in the financial services industry. He currently works at OSAIC and has previously held roles at Woodbury Financial Services, MML Investors Services, Mass Mutual Life Insurance Company, and Schlosser Financial Planning. Outside of his advisory work, he operates a sole proprietorship focused on the sale and service of life and health insurance, property and casualty insurance, and fixed annuities. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services through multiple programs featuring model-based asset allocation, portfolio optimization, and various managed account strategies.

Timothy Kamp is a CFP® professional with nine years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior experience with firms including Fifth Third Bank, Ameriprise, and Edward Jones. Outside of his advisory work, Kamp is also associated with Cornerstone Retirement Advisors in a financial advisor role. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals and high-net-worth clients to institutions and charitable organizations. The firm employs a tailored, non-discretionary approach to planning and consulting, utilizing various analytical tools, and maintains unique affiliations that support municipal and public-finance advisory services.

John Adams is a financial advisor with Robert W. Baird & Co. in Cincinnati, OH, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Robert W. Baird & Co. since 1998. Outside of his advisory role, he owns Pittsburgh Subs, Inc., a restaurant and food/beverage business. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored consulting and portfolio services, including financial planning and discretionary management, across a range of traditional and non-traditional investment strategies.

Katlin Klamo is a financial advisor at Fidelity with eight years of industry experience. She holds the Series 66 credential and has worked at Fidelity Brokerage Services LLC since 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad range of clients, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and systematic portfolio construction. The firm is noted for its use of algorithmic methods and AI in research, its role as a registered commodity pool operator, and its advisory services to multiple registered investment companies.

Marilyn Ward is a financial advisor at Robert W. Baird & Co. with five years of industry experience. She holds a Series 66 designation and has worked at Robert W. Baird & Co. since 2019, with prior experience at Hilliard Lyons, Edward Jones, and First Community Bank of Central Alabama. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and charitable organizations. The group provides customized financial planning and portfolio management services using a range of strategies, including separately managed accounts and overlay services.

Christina Yards is a financial advisor at Robert W. Baird & Co. in Cincinnati, OH, holding a Series 66 designation with eight years of industry experience. She has been with Robert W. Baird since 2015. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers a combination of consulting and portfolio services tailored to client goals, utilizing both in-house and third-party managers across a range of investment strategies.

Joshua Moore is a financial advisor with Equitable Advisors in Cincinnati, OH. He holds the Series 66 designation and has been with Equitable Advisors since 2026. Prior to his advisory role, he spent four years at the University of Miami Farmer School of Business and has been employed by Kroger since 2020. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes a network of Investment Adviser Representatives and third-party asset managers to deliver tailored investment solutions.

Zac Cottongim is a financial advisor with J.P. Morgan Securities in Cincinnati, OH, holding Series 63 and Series 66 licenses and having 10 years of industry experience. His career includes roles at Bank of America, Merrill, and Foresters Financial Services prior to joining J.P. Morgan in 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, using forward-looking capital market assumptions to develop model asset allocations.

Madelyn Sursi is a financial advisor at RBC Capital Markets with a Series 66 designation and no industry experience. Her prior roles include positions at City National Bank and Enterprise Mobility, as well as work in education with Eastern Michigan University and North Carolina Public Schools. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ risk profiles and employing both in-house and third-party investment managers.

Michael Dempsey is a financial advisor with Robert W. Baird & Co. Inc. in Ft Wright, KY, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. He has been with Robert W. Baird since 2007. Outside of his advisory role, he is a co-owner of a rental property and a member of a property management company. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of investment strategies and manager options.

Michelle Chester is a financial advisor with Robert W. Baird & Co. in Cincinnati, OH, holding a Series 66 designation and 21 years of industry experience. She has been with Robert W. Baird since 2013. Outside of her advisory role, she serves as a Cub Scouts pack leader. She is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services using a range of strategies, including traditional and non-traditional investments, with options for discretionary and non-discretionary management.

Robert Bullock is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has additional experience with JPMorgan Chase Bank and Ameriprise Advisor Services. Outside of his advisory role, he serves on the Finance Committee for LADD, an organization that supports adults with developmental disabilities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes ESG eligibility considerations, with implementation supported by affiliated investment-management entities.

Tracy Patrick is a financial advisor at RBC Capital Markets with a Series 66 designation and four years of industry experience. Prior to joining RBC in 2026, Tracy worked at Morgan Stanley Smith Barney LLC for four years and Truist Bank for seven years. Outside of his advisory role, Tracy serves on the Finance Committee for St. Henry Catholic Parish in Elsmere, Kentucky, acting as a parent liaison between the parish and school related to parish funds. RBC Wealth Management serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations, offering a variety of wrap fee advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm employs a tailored investment approach based on each client’s Advisory Risk Profile and uses a combination of in-house and third-party investment managers.

Lee Kremer is a Wealth Management Planning Consultant at Fidelity Investments. In this role, Lee collaborates with clients and Wealth Management Advisors to address families' financial service needs, aiming to meet and exceed planning and service goals. The team supports clients in growing and protecting their wealth, making informed investment decisions, and simplifying their financial lives. Lee has been with Fidelity Investments since 2011, holding various roles including Wealth Management Service Senior Specialist, Retirement Solutions Representative, Investment Solutions Representative, High Net Worth Trading Representative, and Defined Benefits & Defined Contributions Representative. This experience spans a comprehensive range of wealth management and retirement solution services. Additional information regarding education, credentials, personal interests, or community involvement was not provided.

Michael Loth is a financial advisor with Robert Baird & Co. in Cincinnati, OH, holding a Series 63 designation and 38 years of industry experience. He has worked at Robert Baird & Co. since 2019, following 14 years at J.J.B. Hilliard, W.L. Lyons, Inc., and four years at Morgan Stanley DW Inc. Robert Baird & Co.’s Private Wealth Management department serves individuals, corporate and business clients, pension and profit-sharing plans, and charitable organizations. The firm offers comprehensive financial planning, portfolio management, and brokerage services, utilizing internal research, manager oversight, and various investment strategies, including separately managed accounts and tax-management techniques.