Steven Dillhoff is a financial advisor with LPL Financial in Dayton, OH, holding a Series 66 credential and 28 years of industry experience. Before joining LPL Financial in 2020, he worked for Delta Global Asset Management and Delta Equity Services Corporation from 2006 to 2020. In addition to his advisory role, he provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

John Lumpkin Jr. is a financial advisor with Morgan Stanley, holding a Series 66 credential and bringing 22 years of industry experience. He has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2012 and 2015, respectively. Outside of his advisory work, Lumpkin serves on the boards of the Greater Dayton Regional Transit Authority and the City of Dayton Financial Review Board, and he is involved in coaching and announcing varsity football games for Trotwood-Madison City Schools. Morgan Stanley Wealth Management provides a broad range of advisory services to individuals and institutions, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers both direct and corporate financial planning programs.

Kevin Poynton is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to develop financial strategies aimed at pursuing their short-, mid-, and long-term goals. He offers guidance in general investing, retirement planning, and saving for unexpected needs, while also providing access to banking, credit, home financing, and small business solutions through Bank of America specialists. With a background in the non-profit industry, Kevin transitioned to financial advising to help clients pursue their financial goals by integrating all aspects of their financial life. His areas of focus include college education planning, personal retirement planning, and small business strategies. Kevin employs a comprehensive approach that considers risk tolerance, time horizon, liquidity needs, and goals to create personalized financial strategies. Kevin holds a Bachelor's degree from the University of Dayton and has earned the Personal Investment Advisor (PIA) designation. He is active in his community, dedicating time to coaching baseball and volunteering in local parishes. Kevin resides in Dayton with his wife and their four children.

Sandra Long is a financial advisor at Ameriprise with 22 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2019, with prior experience at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Frances Milano is a financial advisor with Ameriprise in Beavercreek, OH, holding a Series 63 designation and over 32 years of industry experience. She has been with Ameriprise Financial Services since 1993. Milano serves on the investment committee of the board of directors for St. Vincent DePaul. Ameriprise offers a retirement-income planning service focused on individuals near or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and integrates algorithmic automation with expert oversight to generate personalized recommendations.

Lauren Horine is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personalized financial strategies for individuals and families. She is a CERTIFIED FINANCIAL PLANNER® professional and a Personal Investment Advisor (PIA). Lauren partners with clients to develop thoughtful, goals-based financial planning that aligns with their long-term priorities, assisting with complex financial decisions across various areas including family wealth management, employee financial health, managing new wealth, personal retirement planning, portfolio management, special needs planning, and women and wealth. Lauren earned her bachelor's degree from Denison University, where she was a member of the women's basketball team. She is part of the Engle Conger Mooi Wealth Management team, which is dedicated to providing personalized advice and guidance by understanding clients' financial goals and what matters most to them. Originally from Dayton, Lauren brings a strong sense of community to her work. Outside of her professional role, she enjoys basketball, cooking, hiking, music, reading, running, spending time with family, traveling, watching movies, and yoga.

Colin Faulkner is a financial advisor at UBS Financial Services with eight years of industry experience. He has worked at UBS since 2017 and previously was with Wells Fargo Advisors. Faulkner also serves as a class instructor at the University of Dayton. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Kimberly Tucker is a financial advisor with Edward Jones in Springboro, OH. She holds a Series 66 designation and has 16 years of industry experience, having been with Edward Jones since 2013. Outside of her advisory role, she owns and maintains a rental property in Miamisburg, OH. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Jeremy Payton is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he worked at PNC Bank, NA and PNC Investments, LLC from 2012 to 2017. Outside of his advisory role, he has a relationship with Melaleuca, a wellness company, as noted in regulatory filings. Edward Jones is a full-service wealth management firm that serves a broad client base, including individual and institutional investors. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies and affiliated financial products through a large network of advisors and branch offices nationwide.

Susan Sandhu is a financial advisor with Morgan Stanley in Beavercreek, Ohio, holding Series 63 and Series 65 designations and bringing 18 years of industry experience. She has been with Morgan Stanley since 2018 and has worked specifically with Morgan Stanley Private Bank, N.A. since 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutions, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market outlook models.

Jacklyn King is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She previously worked at Nuveen Investments for 11 years before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Nathaniel Anthony is a financial advisor with Raymond James Financial Services Advisors, Inc. in Dayton, OH, holding a Series 66 designation and 16 years of industry experience. Prior to joining Raymond James in 2019, he worked with Xenia Christian and Legacy Christian Academy. He is also an associate at McGillivary & Ippisch Wealth Advisors, where he manages assets for both personal clients and clients of Marty McGillivary. Raymond James Financial Services Advisors serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset-allocation analysis and firm research to tailor recommendations while allowing clients to retain final decision authority.

Shawn Morris is a Series 66-registered financial advisor with Merrill, based in Miamisburg, Ohio. He has 24 years of industry experience and has been with Merrill since 1992. Outside of his advisory role, Morris holds powers of attorney for several non-investment-related entities. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Kevin Green is a financial advisor with Raymond James Financial Services Advisors, Inc. in Centerville, Ohio. He holds a Series 63 designation and has 30 years of industry experience. Prior to joining Raymond James in 2017, he worked at LPL Financial for 12 years. Outside of his advisory role, he serves as an independent contractor and insurance agent with Harrison Wealth Management Group, Ltd., where he conducts client meetings and performs investment and insurance research. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through client interviews and risk profiling, with a significant portion of its advisory business conducted on a non-discretionary basis.

Elizabeth Braun is a financial advisor with Primerica Advisors in Centerville, OH, holding Series 63 and Series 65 licenses and four years of industry experience. She has been with Primerica Advisors since 2022 and has worked at Primerica Financial Services since 1999. Outside of advising, she is involved in sales of home security and automation products, as well as other home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven investment strategies offered by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Mark Richmond is a financial advisor with OSAIC, holding a Series 66 credential and 16 years of industry experience. He previously worked at Securities America Advisors and Securities America Inc for nine years. Richmond is also involved with Rodriguez Financial Strategies, LLC, providing fixed insurance products as part of comprehensive financial planning. OSAIC Wealth, Inc. serves retail and institutional clients through a large network of advisers, offering brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios tailored to client needs.

Douglas Lindley is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Cetera Advisors LLC since 2013 and with Cetera since 2024. Outside of advising, he serves as treasurer for a local networking group called Junto. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of investment advisory services through a large network of independent advisors. The firm serves individual, retirement plan, corporate, charitable, and institutional clients, providing portfolio management, financial planning, and access to third-party managers across multiple program structures.

James Ling is a financial advisor with Wells Fargo Clearing in Miamisburg, Ohio, holding a Series 66 designation and 21 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Andrew Raucci Jr. is a financial advisor with OSAIC who holds a ChFC® designation and a Series 66 license, with 19 years of industry experience. He has worked at Osaic Wealth, Inc. since 2017 and previously at Sterne Agee Investment Advisor Services and Sterne Agee Financial Services. In addition to his advisory role, he is the owner of the TermQuote and CareQuote trademarks and serves as CEO of Ingram & Raucci Insurance and Financial Advisors, focusing on insurance sales and related services. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation tools and supports multiple investment platforms, including discretionary and non-discretionary account management.

William Etson is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2010. Outside of advisory work, he is a co-owner of a family-owned oil business and serves as a board member of the City of Centerville Planning Commission. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research-based investment strategies with a broad product offering through its bank and insurance affiliates.