Joyce Combs is a financial advisor with Primerica Advisors in Beavercreek, OH, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked with PFS Investments Inc. since 2000 and Primerica Financial Services since 1997. In addition to her advisory role, she is involved in sales of loan products and home security and automation services through affiliates of PFS Investments Inc. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses third-party asset managers and offers its services primarily through a tiered wrap-fee structure.

Alletta Gonzalez is a financial advisor with Morgan Stanley who holds Series 63 and Series 66 licenses and has 25 years of industry experience. She has worked at Morgan Stanley and Co., Incorporated since 2007 and at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that uses firm-approved tools and market simulations to model potential outcomes.

Kevin Duffin is a financial advisor with Cetera who holds a Series 63 designation and has 40 years of industry experience. His career includes roles at Marsh & McLennan Agency, MMA Securities LLC, and Brower Investment Advisers, alongside operating as a self-employed advisor since 1993. He serves on the board of directors for the USO Central & Southern Ohio, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of independent advisors. The firm serves a diverse client base, including individuals, retirement plans, corporate and charitable entities, and institutional accounts, offering a range of portfolio management and consulting services through a multi-manager platform.

Donald Reynolds Jr. is a financial advisor at Morgan Stanley with 23 years of industry experience. He has held various positions within Morgan Stanley and its private bank subsidiary since 2014. He holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using approved tools and modeling techniques.

Michelle Lowe is a financial advisor at UBS Financial Services with 25 years of industry experience. She has been with UBS since 1998 and holds Series 63 and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Philip Schrager is a financial advisor with Ameriprise in Miamisburg, OH, holding a Series 63 designation and 36 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in independent insurance brokering with multiple providers. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice based on detailed analysis and proprietary tools.

Matthew Lucas is a financial advisor at Stifel with three years of industry experience. He holds a Series 66 designation and has worked at Stifel since 2022, following multiple years as a self-employed advisor. Stifel serves a wide range of clients including individuals, institutional clients, and nonprofit entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group. The firm provides both episodic fee-based financial planning and advisory services, with clients generally retaining discretion over implementation.

Russell Clark is a financial advisor with Morgan Stanley in Beavercreek, Ohio, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with 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 that incorporates firm-approved tools and market outlook models.

Joshua Taylor is a financial advisor with Edward Jones in Kettering, Ohio, holding a Series 63 designation and 21 years of industry experience. He has been with Edward Jones for 20 years. Outside of his advisory role, he manages a commercial rental property in Dayton, Ohio. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory programs and investment options supported by a large network of financial advisors and branch offices nationwide.

Thomas Blalock Jr. is a financial advisor with UBS Financial Services in Miamisburg, Ohio, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he serves on the board of The Children’s Home of Cincinnati Ohio, focusing on investment education for the organization’s endowment, and operates a sole proprietorship marketing business involving advertising on a vehicle. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining model-based asset allocations and proprietary research with institutional trading capabilities and wealth management solutions.

Emilie Theriot is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds a Series 66 credential and has been with Raymond James since 2013. Outside of financial advising, Emilie owns Golden Ratio Quilting, a longarm quilting business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional services with a range of portfolio management styles.

Terrence Oliss is a financial advisor with Charles Schwab in Miamisburg, Ohio, holding Series 65 and Series 63 credentials and having two years of industry experience. He previously worked at KeyBank and its investment services affiliate and has experience outside finance, including a role at Lunne Lawn & Landscaping, LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, combining non-discretionary advisory models with access to affiliated discretionary portfolios and alternative investments.

Sarah Boyd is a CFP®-certified financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked extensively within various JPMorgan Chase and JP Morgan Securities entities since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, emphasizing asset-allocation advice, investment manager searches, and customized performance reporting delivered on a non-discretionary basis. The firm's approach integrates quantitative modeling, centralized due diligence, and an ESG eligibility framework to guide recommendations.

Richard Pecce is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and totaling 38 years of industry experience. He has worked at Raymond James since 2019 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker‑dealer and SEC‑registered investment adviser with approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, and municipal entities, providing financial planning, investment consulting, and municipal advisory services.

Tobias Jones is a financial advisor at Primerica Advisors with 17 years of industry experience. He has been with Primerica Advisors since 2008 and has a background that includes roles at Primerica Financial Services. Outside of his advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Donald Ammon is a Series 66-credentialed financial advisor with 16 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2015. Outside of his advisory role, Ammon is involved in multiple business activities including ownership of a tax planning and preparation firm, part ownership of a securities-related business, and serving as a board member of a nonprofit behavioral health organization. He also holds a treasurer position at a local church. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through independent Financial Professionals, utilizing various custody platforms and both proprietary and third-party model strategies.

John Chavies is a financial advisor at Raymond James & Associates with 34 years of industry experience. He holds the Series 63 designation and has been with Raymond James & Associates since 2014. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, and offers a range of financial planning and consulting services with a focus on non-discretionary advisory relationships.

Michael Abbinante is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their long-term goals, drawing on insights from Merrill and banking solutions from Bank of America. His approach emphasizes a comprehensive understanding of each client's full financial picture and the flexibility to adapt to changing market conditions. Michael's expertise encompasses a range of client focus areas, including college education planning, divorce transition planning, family wealth management strategies, LGBT wealth planning, liquidity management, personal retirement planning, tax minimization, and retirement income. He holds several professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael earned his bachelor's degree from Wright State University. In addition to his professional work, Michael is committed to community involvement and contributes his time volunteering with local organizations, reflecting the Merrill tradition of service in the communities they serve.

Rachel Buckingham is a financial advisor at Robert W. Baird & Co. with four years of industry experience. She holds a Series 66 designation and has worked at Robert W. Baird since 2019, with prior experience at The Ohio State University, the Country Club of the North, and Beavercreek Schools. The DDK Group, part of Robert W. Baird’s Private Wealth Management department, serves individuals, corporate clients, pensions, and charitable organizations, offering services such as financial planning, portfolio management, and custody and brokerage. Baird employs a mix of manager-traded and model-traded strategies, tax management, and internal research including artificial intelligence, managing approximately $394 billion in assets as of December 2025.

Lauren Kennedy is a financial advisor with Morgan Stanley in Beavercreek, OH, holding a Series 66 designation and eight years of industry experience. Her work history includes roles at Morgan Stanley Private Bank, WealthShield Partners, C.H. Dean, and Edward Jones. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and investment modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly to clients and through corporate agreements.