Terry Bissonett is a Series 66-credentialed financial advisor with Morgan Stanley, based in Beavercreek, Ohio, and has 25 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is involved in rental property ownership. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and methodologies.

John Schmidt is a financial advisor at Osaic with 15 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Advisors for six years before joining Osaic in 2017. Outside of his advisory work, he acts as an agent for fixed insurance and long-term care policies through Clearview Wealth Management. Osaic Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach centered on model-based asset allocation and portfolio optimization.

Robert Eyrich is a financial advisor with Primerica Advisors in Dayton, Ohio, holding a Series 63 designation and 19 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2006 and was previously employed at PE Systems Inc. from 2010 to 2022. Outside of advisory services, he is involved in the sale of loan products and home-related services through Primerica Mortgage, LLC and affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Darrien Kynard is a CFP® and Series 66-licensed financial advisor with seven years at Edward Jones and a total of six years in the industry. His prior experience includes roles at Anderson Financial Strategies and Wright Patt Credit Union. He is based in Fairborn, Ohio. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Herman Moening is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 41 years of industry experience. He has been with Primerica since 1985, serving in various capacities within the firm for over three decades. Outside of his advisory role, he is involved with Moening Enterprises, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering advisory services primarily through model-driven investment strategies.

Charles Mccarty is a financial advisor with Primerica Advisors in Dayton, OH, holding a Series 63 designation and 15 years of industry experience. He has been with Primerica Advisors since 2010 and has been associated with Primerica Financial Services since 2009. Outside of his advisory role, he is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited separately managed account options in a wrap-fee structure. The firm curates third-party asset managers and utilizes strategic, tactical, tax-aware, and income distribution models implemented via BNY Mellon Advisors.

Andrew Barlow is a CFP®-certified financial advisor with 16 years of industry experience. He has worked at LPL Financial since 2022 and previously spent 13 years at Cadaret, Grant & Co., Inc. and nine years at Baker Krizner Financial Planning. Outside of advising, he owns and manages a financial planning and consulting business focusing on tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

Austin Cline is a financial advisor at LPL Enterprise with five years of industry experience. He holds Series 65 and Series 63 licenses and has worked with firms including Northwestern Mutual and The Prudential Insurance Company of America. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities, primarily using model-driven portfolio management and offering access to third-party asset managers and financial planning.

Terry Powers is a financial advisor with Thrivent Investment Management in Beavercreek, Ohio, holding Series 63 and Series 66 designations and over 26 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, Powers is involved in sales and consulting for industrial and vehicular hardware through his company, Powertecknow. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial analyses and written recommendations across various planning areas. The firm allows clients to combine planning with managed-account services under consolidated billing but does not offer discretionary portfolio management for institutional clients.

Stephen Shope is a financial advisor with Edward Jones in Huber Heights, OH. He holds a Series 66 designation and joined Edward Jones in 2025 after 11 years at Selecttech Services Corporation. He has no prior industry experience outside of his current role. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Zachary Jablonski is a financial advisor at LPL Financial based in Dayton, OH, holding a Series 66 designation with six years of industry experience. His prior roles include positions at CUSO Financial Services, LP, and multiple divisions of Federated Investment companies. 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 advisory services utilizing various portfolio strategies and third-party managers, supported by operational tools that assist advisors without making investment decisions on behalf of clients.

Richard Foreman is a financial advisor with Ameriprise in Springfield, OH, holding Series 63 and Series 65 credentials and 25 years of industry experience. He previously worked at Huntington Investment Company for 17 years before joining Ameriprise in 2026. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides ongoing retirement-income planning and tax-aware withdrawal strategies based on comprehensive investment research and third-party data.

Brian Smith is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2011, with prior experience at Securities America and Investment Advisors International. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by technology tools for operational and research assistance.

Michael Cozad is a CFP® professional with 16 years of industry experience. He is currently with Osaic Wealth and has previously worked at FSC Securities for 13 years. Cozad is also involved with Smith, Moses & Cozad, LLC, where he has served since 2007, providing financial planning and investment management services. Additionally, he holds a leadership role as Vice President and Treasurer at Smith Cozad, LLC. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm employs a model-based investment approach focused on asset allocation and portfolio optimization, offering a range of advisory and brokerage services through a multi-advisor platform.

Robert Scarfo is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has worked at Wright-Patt Credit Union and Cuso Financial Services for over two decades. 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, model portfolio programs, third-party asset management, and institutional platforms.

William Furay is a financial advisor at Primerica Advisors with eight years of industry experience. He has worked at PFS Investments Inc. since 2018 and has prior experience with the Great Dayton Surgery Center and the Orthopedic Institute of Dayton. Furay also engages in the sale of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven investment strategies managed by third parties and supports trade execution through BNY Mellon Advisors and Pershing, operating with approximately 3,700 advisors and $15.5 billion in assets under management.

Samuel Williamson is a Series 66-licensed financial advisor with Raymond James Financial in Dayton, OH, bringing four years of industry experience. His prior work includes roles at Raymond James & Associates and experience outside finance at companies like Doordash and La Comedia. He also operates Williamson Wealth Advisors, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm’s approach involves non-discretionary planning tailored to client goals, employing risk profiling and analytical tools to support investment decisions.

Eric Klaes is a financial advisor with Charles Schwab in Vandalia, Ohio, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He has worked within several Charles Schwab entities since 2014, including Schwab Private Client Investment Advisors and multiple Schwab bank affiliates. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Jordan Foreman is a financial advisor at Ameriprise with five years of industry experience and holds a Series 66 designation. Prior to his advisory role, he worked in education at Northeastern Local School District and had positions in communications and retail. He is involved in business ownership outside the industry as a member of WTJA Properties LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides detailed planning and recommendations focused on sustainable income and tax-aware withdrawal strategies for clients nearing or in retirement.

John Sagraves is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has been with LPL Financial since 2025 and concurrently works at Wright-Patt Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.