John Grubb is a financial advisor at Merrill with 26 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2000 and Bank of America, N.A. since 2009. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and monitoring through multiple program strategies and benefits from integration with Bank of America’s broader banking and capital markets platform.

Samuel Taylor is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Wright-Patt Credit Union, CUSO Financial Services, LP, and PNC Investments. Outside of advisory work, he is involved with WPCU Retirement Solutions, an entity related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies across various allocation approaches.

Douglas Cline is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the boards of the Dayton Habitat for Humanity and the Dayton Chamber of Commerce, and is a city council member and deputy mayor of Centerville, Ohio. Additionally, he is involved with the Grandview Foundation’s finance committee and other local community organizations. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, employing firm-approved planning tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and financial services.

Gary Johnson is a financial advisor with Ameriprise in Dayton, OH, holding a Series 66 designation and 15 years of industry experience. He has worked at Ameriprise since 2010 and also owns a tax preparation business operating since 1983. Ameriprise is an institutional firm offering a retirement-income planning service tailored for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to provide written recommendation reports.

John Grubb is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill and Bank of America, N.A. since 2012. Outside of his advisory role, he is the sole owner of a rental property business based in Cincinnati, Ohio. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple program strategies with both client and advisor discretion, supported by a broad roster of manager-constructed strategies and tax-focused overlay services.

Zachary Winning is a financial advisor with Morgan Stanley in Beavercreek, Ohio, holding Series 63 and Series 65 licenses and seven years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Meeder Investment Management, and Ultimus Fund entities. Outside of finance, he is the sole proprietor of Winning Property Solutions, a business focused on purchasing and rehabilitating distressed real estate for resale. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach involves structured discovery conversations and firm-approved planning tools, supporting clients with diverse investment and estate planning needs.

Adam Bowling is a financial advisor with Thrivent Investment Management in Miamisburg, Ohio. He holds a Series 66 designation and has six years of industry experience. His prior work includes positions at Thrivent Financial, Jeff Wyler Auto Family, and several religious and publishing organizations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without discretionary portfolio management. The firm combines planning and managed-account services through a consolidated billing option called “WealthPlan,” while maintaining these services separately.

Stephen Hester is a CFP®-designated financial advisor with Ameriprise in Dayton, Ohio, bringing 38 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of his advisory role, he serves as president and secretary of Stephen Thomas Hester, Inc., a practice management and administration business. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement, using a combination of research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Kathleen L. Clark is a financial advisor with UBS Financial Services in Miamisburg, Ohio. She holds Series 63 and Series 66 licenses and has 26 years of industry experience. Clark has been with UBS Financial Services since 2011. Outside of her advisory role, she is involved in direct sales of beauty and kitchen products through SeneGence International and Pampered Chef. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans and manages services across planning, portfolio management, and capital markets.

Sara Smith is a financial advisor at Edward Jones in Dayton, OH, holding a Series 66 designation with 27 years of industry experience. She previously worked at Cuna Brokerage Services, Inc. and Universal 1 Financial Advisory Group for 12 years each before joining Edward Jones in 2019. Outside of her advisory role, she has worked in retail as a cashier and floor associate. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a wide range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors.

Lisa Miller is a financial advisor at Merrill with 26 years of industry experience. She has been with Merrill since 1997 and holds Series 63 and Series 65 credentials. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and tax-efficient investment strategies, leveraging its integration with Bank of America affiliates to support trading, lending, and capital-markets activities.

Paul Miller is a financial advisor with Osaic Wealth, Inc. based in Centerville, Ohio. He holds a Series 63 designation and has 33 years of industry experience. His prior work includes roles at Royal Alliance Associates and Sterne Agee. Outside of his advisory work, he serves as a board member of the Tawasi Men's Lunch Group, which focuses on organizing speakers and activities. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a broad network of advisers and platforms. The firm offers integrated brokerage and advisory services, utilizing various asset allocation tools and third-party solutions to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Steven Dillhoff is a financial advisor with LPL Financial who holds a Series 66 designation and has 29 years of industry experience. His prior roles include positions at Delta Global Asset Management, Delta Equity Services Corporation, CUSO Financial Services, and Merrill. Outside of advisory services, he is involved in tax preparation and accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, providing model portfolios, third-party management, and customized strategies supported by operational and research tools.

Donald Williams is a financial advisor with Primerica Advisors in Dayton, OH, holding a Series 63 designation and 14 years of industry experience. His prior roles include positions at PFS Investments, Inc. and Odyssey Retail. Outside of his advisory work, he is involved with Odyssey Retail, a merchandise reset business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure rather than fixed fees.

John Lumpkin Jr. is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 23 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2012, following three years at Chase Investment Services Corp. Outside of his advisory role, 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 the Trotwood-Madison City Schools. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, emphasizing structured financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

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 holds a Series 66 designation and has been with UBS since 2017. In addition to his advisory work, Faulkner 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 financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and a broad range of capital markets services.