Laura Williams is a financial advisor with Primerica Advisors in Cincinnati, OH, holding a Series 63 designation and seven years of industry experience. She has worked at Primerica Advisors since 2016 with a brief period at Maplebear Inc and Jack Entertainment. Outside of financial advising, she is the owner of Yes Incorporated. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-driven strategies and select separately managed accounts. The firm uses a percentage-based wrap fee structure and curates third-party asset managers, providing portfolio management focused on retail clients rather than institutional plans.

William Ward Jr. is a financial advisor with Equitable Advisors in West Chester, OH, holding the Series 63 and Series 65 licenses and having 14 years of industry experience. He has been with Equitable Advisors since 2012, including its predecessor firm Axa Advisors LLC, where he worked for eight years. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and various asset-management programs, utilizing a network of Investment Adviser Representatives and third-party asset managers to deliver tailored investment solutions.

Andrew Cullen is a financial advisor at Ameriprise with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including U.S. Bancorp Investments, Fidelity Investments, and J.P. Morgan Securities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

James Sebastian is a financial advisor with Primerica Advisors in Cincinnati, Ohio, holding a Series 63 designation and bringing 30 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 1996 and has served on the Butler County Board of Elections since 2016. Outside of his advisory role, he is involved in raising and selling feeder calves. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with approximately 3,987 advisors and utilizes model-delivery strategies managed by unaffiliated asset managers.

John Hill is a Series 66-licensed financial advisor at LPL Enterprise with four years of industry experience. His prior work includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach typically involves model-driven portfolios and access to third-party asset managers and wrap programs.

Julie King is a financial advisor with Raymond James Financial in Hamilton, Ohio, holding a Series 66 credential and 18 years of industry experience. Her prior work includes roles at UBS Financial Services, Morgan Stanley, and Citigroup Global Markets. She is also an associate at Yellow Cardinal Brokerage Services, where she works as a brokerage and compliance administrator supporting Raymond James advisors. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports various advisory programs, including municipal and public-finance services.

Charles Futel Jr. is a financial advisor with Primerica Advisors in Cincinnati, OH, holding a Series 63 designation and 43 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1983. Outside of his advisory role, he serves as an elder at Renew Community Church and owns a business named Rich Habits. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates on a large scale, delivering advisory services through financial advisors who utilize model-based investment strategies managed by third-party asset managers.

Anthony Sexton is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. He previously worked at INVEST Financial Corp. for six years before joining LPL Financial in 2018. Sexton is also involved with Tri-County Assurance Agency, Inc. as an agent in the sales and service of fixed insurance products and has part-time experience in tax preparation and accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, emphasizing both discretionary and non-discretionary strategies supported by various operational and research tools.

James Connor II is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has worked at LPL Financial since 2018 and previously spent six years with INVEST Financial Corp. Outside of his advisory role, he serves as president of Tri-County Assurance Agency, Inc., a general insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management access, and institutional platforms.

Kevin Shank is a financial advisor at Primerica Advisors with 28 years of industry experience. He has been with Primerica Financial Services since 1993 and Primerica Advisors since 2007. Outside of his advisory role, he owns H + S One Enterprise, which is involved in low-income housing and housing rehabilitation investments. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses an independent due-diligence consultant to evaluate asset managers and employs a tiered wrap-fee structure while maintaining oversight of its curated third-party investment models.

Sandra Davis Skeen is a financial advisor with LPL Financial in Harrison, OH, holding a Series 66 designation and over seven years of industry experience. She has worked with LPL Financial since 2018 and is also involved with Capital Concepts INC and Coldwell Banker West Shell, where she has a background in real estate as a realtor. Additionally, she owns and operates a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing various portfolio strategies and technology tools to support its network of over 22,800 advisors.

Lisa Foster is a CFP® with 27 years of industry experience, currently advising at Cetera. Her prior roles include extensive tenures at Avantax Insurance Agency, Avantax Advisory Services, and Avantax Investment Services. In addition to her advisory work, she owns and operates L.A. Foster, Inc., a tax preparation and accounting firm. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, financial planning services, and access to third-party money managers.

Phillip Abshire is a financial advisor with Edward Jones in Oxford, Ohio, holding a Series 63 designation and with 31 years of industry experience. He has been with Edward Jones since 1995. In addition to his advisory role, Abshire serves on the board of directors for the Oxford Chamber of Commerce and is a member of the investment advisory board for the Oxford Community Foundation. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large national network of financial advisors and branch offices.

Kyle Jones is a financial advisor with Primerica Advisors in Cincinnati, OH, holding a Series 63 designation and five years of industry experience. His career includes roles at Brubaker Grain Inc., Carter Lumber, and Better Homes and Gardens Big Hill. Outside of his advisory work, Jones is active as a real estate agent with Exp Realty, handling residential property transactions. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven investment strategies managed by unaffiliated asset managers, supported by third-party custodians and overlay management.

Ronda Garner Cecil is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. She has been with Edward Jones since 2013. Her reported outside business activity involves a family-owned auto body shop, in which her husband is a part silent owner; she has no involvement in the business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large nationwide network of advisors and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Sebastian Fidder is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and previously spent nine years in full-time education before joining Ameriprise in 2022. Outside of his primary role, he is also involved with BFM & Associates, LLC as an associate financial advisor. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies through its Ameriprise Premier Retirement Income service.

Richard Carmel is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 27 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also has experience with MassMutual Life Insurance Company and Metlife Securities. Carmel serves as treasurer for the Cincinnati Chapter of Legatus and is a committee member reviewing the financial affairs of Mother Theresa Catholic Elementary School. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and investment services to individuals, business owners, trusts, estates, and charitable organizations. The firm uses firm-approved software for goal analysis and offers asset management, wrap programs, and educational seminars.

David Wolf is a CFP®-designated financial advisor with 10 years of industry experience, currently serving at Charles Schwab. His prior experience includes roles at Fidelity Brokerage Services, LLC. Wolf holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by proprietary research.

Amy Hollowell is a financial advisor at Ameriprise with 11 years of industry experience. She holds the Series 66 designation and previously worked at Cambridge Investment Research, Inc. and Saxon Financial Consulting. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice through a centralized consulting team.

Garry Rutledge Jr. is a financial advisor with Ameriprise in Middletown, OH, holding a Series 63 designation and 38 years of industry experience. He previously worked for Cambridge Investment Research Advisors, INC from 2006 to 2023. Outside of his advisory role, Rutledge is involved in real estate development and insurance brokering, including business ownership related to home building and property management. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendations and annual advice focused on income sources and tax-aware withdrawal strategies.