Timothy Birt is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Primerica Advisors since 2006 and has prior experience at Riverside Research Institute and Modern Technologies Solutions Inc. Birt also has business activities involving sales of loan products and home security services through affiliates of Primerica. Primerica Advisors is a large institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program using model-based investment strategies managed by unaffiliated asset managers, supported by third-party trade execution and custody.

Hannah Flynn is a financial advisor with Morgan Stanley in Beavercreek, OH, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2019, she worked at Marshall University’s Lewis College of Business Graduate College and the West Virginia Alcohol Beverage Control Administration. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and integrates a structured planning process supported by firm-approved tools and analysis.

Ethan Zielazny is a financial advisor at OSAIC with five years of industry experience. His prior roles include positions at FSC Securities Corporation and Prudential Insurance Company of America. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct customized portfolios that may include a variety of investment types and accommodate client-imposed restrictions.

Jill Bracci is a Certified Financial Planner (CFP®) with 45 years of industry experience. She has worked at Morgan Stanley and its Private Bank division since 2017 and previously held roles at Bank of America and Merrill Lynch. Outside of her advisory work, she owns Bracci Renovate and Sell LLC, a real estate property management business in Ohio. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs and financial planning services. The firm employs structured planning tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Julienne Clark is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 14 years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC and Wright-Patt Credit Union. Outside of advising, she is the sole member of a private business, Generations Fence & Deck, where she handles bookkeeping, and also serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advice and account management carried out primarily by investment adviser representatives using various strategies and tools.

Michael Druffner is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors, and Stifel. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, advisory programs, and institutional consulting with a focus on non-discretionary, tailored investment strategies.

Alan Elovitz is a financial advisor with Raymond James & Associates in Centerville, Ohio, holding a Series 63 designation and 26 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Stacy Staples is a financial advisor with Primerica Advisors in Dayton, OH, holding 15 years of industry experience. She has worked with PFS Investments Inc. since 2014 and Primerica Financial Services since 2007. Outside of her advisory role, she works as a part-time Instacart shopper. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

William Elliott is a financial advisor with Edward Jones in Dayton, OH, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. Prior to joining Edward Jones in 2019, he worked for Universal 1 Credit Union and Cuna Brokerage Services, Inc. from 2006 to 2019. He serves as a director for Maria Joseph Home Corporation, providing oversight and audit for the charitable organization. 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 strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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 with Osaic Wealth, Inc. in Centerville, OH. He holds a Series 66 designation and has 14 years of industry experience, including six years at Wells Fargo Advisors prior to joining Osaic in 2017. Schmidt also acts as an agent of record for fixed insurance and long-term care policies through Clearview Wealth Management. Osaic Wealth serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering brokerage, advisory, and retirement consulting services. The firm utilizes a range of investment tools and platforms, providing portfolios managed on discretionary or non-discretionary bases and access to third-party money managers.

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 at Primerica Advisors with 40 years of industry experience. He has been with Primerica Advisors since 1985 and Primerica Financial Services since 1991. In addition to his advisory work, Moening is involved in sales of loan products and home-related services through affiliated companies and operates Moening Enterprises, Inc. for business purposes related to Primerica. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

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.

Austin Cline is a financial advisor at LPL Enterprise with Series 65 and Series 63 licenses and four years of industry experience. His prior work history includes roles at Northwestern Mutual Wealth Management Company, The Prudential Insurance Company of America, and Pruco Securities LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers and various financial planning services.

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.

James Stuart III is a financial advisor with Morgan Stanley in Centerville, Ohio, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has worked at Morgan Stanley since 2016 and was involved with James Stuart Audio, L.L.C. from 2015 to 2022. He also serves as a board member for the Springboro Clearcreek Baseball nonprofit organization. Morgan Stanley Wealth Management offers advisory programs to individual and institutional clients, providing tailored financial planning that utilizes firm-approved tools and modeling techniques without offering individual security recommendations as part of standalone plans.

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.