Keith Ruxer is a Series 66-credentialed financial advisor with 15 years of industry experience. He is currently with Morgan Stanley, having previously worked at PNC Investments and Edward Jones. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

David Fakes is a CFP® practitioner with 11 years of industry experience, currently affiliated with Charles Schwab in Cincinnati, OH. Prior to joining Charles Schwab in 2025, he held various roles at Fidelity Investments from 2015 to 2025. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment process.

Joshua Meyers is a financial advisor at Edward Jones in Franklin, OH, with 10 years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2017. His prior roles include positions at Logik, Bank of America, Merrill, and LA Fitness. 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 services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Amanda Perkins is a CFP® with 16 years of industry experience, currently serving at Charles Schwab in Cincinnati, OH. She has been with Charles Schwab & Co., Inc. since 2009 and Charles Schwab Bank since 2014. Outside of financial advising, she is involved in retail sales of beauty and wellness products and participates in in-home nail fashion sales. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering managed-account and financial planning services through its Schwab Wealth Advisory program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios and provides integrated brokerage, custody, and alternative investment services.

Andrew Cole Goins is a CFP® and Series 66-registered financial advisor with eight years of industry experience. He is currently with Charles Schwab, having joined the firm in 2023 following positions at Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied. He is based in Xenia, Ohio. Charles Schwab & Co., Inc. serves 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 backed by Schwab Center for Financial Research due diligence.

Yuh Chen Yu is a financial advisor at Edward Jones in Kettering, Ohio, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, Yu worked at Door Dash and PNC Bank, and has been involved with CBY LLC since 2017. Outside of advisory services, Yu participates in rental property management through involvement with CBY Investments LLC and Cotton Bailey Properties LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm operates with a significant national presence, maintaining approximately 23,701 financial advisors and $1.01 trillion in assets under management.

Matthew Miller is a financial advisor at Cetera with 14 years of industry experience. He holds the CFP® and Series 66 designations. Miller has worked with Cetera Wealth Services, LLC since 2013 and operates Miller Financial Advisors and Harlan Miller and Associates, both financial services businesses. He also holds a license to sell fixed insurance products including life, health, disability, annuities, and long-term care. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, retirement plan, and institutional clients. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers and program structures.

Robert Davis is a financial advisor with Morgan Stanley in Centerville, Ohio, holding a Series 66 designation and 28 years of industry experience. He previously worked at Bank of America and Merrill, with a combined tenure of over 30 years before his current roles at Morgan Stanley and Morgan Stanley Private Bank. Outside of advising, he is the sole proprietor of Roaring Fork Enterprises. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment committee insights to develop tailored financial plans while serving a broad client base through extensive retail and institutional offerings.

Jennifer Van Horn is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 designation and has previously worked in education at Beavercreek City Schools as well as operated a personal blog, Jen Finds the Good, where she served as a content creator. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Nathan Bracci is a Series 66-licensed financial advisor at Morgan Stanley with three years of industry experience. He has worked at Morgan Stanley since 2023, including a role at Morgan Stanley Private Bank, N.A. since 2024. Prior to joining the firm, his background includes various positions outside the financial industry. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment research.

Justin Kattau is a financial advisor at Edelman Financial Engines with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Financial Engines Advisors L.L.C., PNC Wealth Management, Waddell & Reed, and Fidelity. Outside of advisory services, he is the vice president of K and M Acres, a farming business. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a proprietary modeling process with planner delivery and online tools, offering both discretionary and non-discretionary investment solutions focused on diversified portfolios and long-term results.

Melissa Smith is a financial advisor with UBS Financial Services in Springboro, Ohio. She holds a Series 66 designation and has 22 years of industry experience, having been with UBS since 1997. Outside of her advisory role, she serves as a Notary Public and is involved with a nonprofit organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor strategies to clients' goals.

Beverly Schmitt is a financial advisor with Raymond James & Associates in Centerville, OH, holding a Series 63 designation and 37 years of industry experience. She has worked with Raymond James since 2019 and previously spent ten years with Wells Fargo Advisors LLC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing risk profiling and software-driven analyses to develop tailored plans.

Luke Neff is a financial advisor with LPL Financial in Kettering, Ohio, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at PNC Wealth Management and Cuso Financial Services, LP. He is also involved with Day Air Credit Union, where he has been active since 2015. 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 offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Amanda Salcedo is a financial advisor at LPL Financial with Series 66 credentials and two years of industry experience. She previously worked at Stevens & Associates LLC from 2015 to 2024 and has been affiliated with Stevens Investment Group Inc since 2024. 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, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational tools and oversight of over $819 billion in discretionary assets.

James Dempsey III is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and affiliated entities since 2006, including prior roles at The Huntington Investment Company and Banc One Securities Corporation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates centralized due diligence and combines quantitative and qualitative research to build model asset allocations, often including ESG considerations.

Erin Doherty is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has been with Merrill since 2013 and has concurrently worked at Bank of America, N.A. since 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Kirkland is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2005. He brings 26 years of industry experience, including prior work with Cambridge Investment Research, Inc. Outside of his advisory role, Kirkland has operated as an independent insurance agent for various companies. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers both discretionary and non-discretionary management through multiple platforms, proprietary model strategies, and access to third-party advisers.

Kyle Sweeney is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 66 and Series 63 licenses. His prior work history includes roles at Fidelity Investments, Citi, and Bank of America. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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, supported by its integrated operational structure and centralized services.

Tonya Albright is a financial advisor with Primerica Advisors in Centerville, OH, holding 19 years of industry experience. She has worked with Primerica Financial Services since 2005 and PFS Investments Inc. since 2006. Outside of her advisory roles, she owns The Master's Reflection Salon & Gifts and Albright Enterprise LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while operating under a tiered wrap fee structure.