Ryan Pitts is a CFP® with 17 years of industry experience, currently serving as a financial advisor with Silver Oak Securities, Inc. in Florence, KY, where he has worked since 2017. He is also owner of Retirement Security Group and serves on the board of COVE Federal Credit Union. Additionally, he is active in the Northern Kentucky Chamber of Commerce and is a partner in Next Level at Norris Lake, LLC. Silver Oak Securities, Inc. serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and other entities through a network of over 100 financial professionals, managing approximately $2.4 billion in discretionary assets. The firm offers a range of advisory programs tailored to client objectives and risk tolerances and utilizes both individual securities and model portfolios supported by its proprietary trading and reporting infrastructure.

Erik Hoffman is a financial advisor with Silver Oak Securities, Inc. in Florence, Kentucky, holding Series 63 and Series 65 licenses and possessing 17 years of industry experience. He has been with Silver Oak Securities since 2014. Outside of his advisory role, Hoffman serves as president of Boardroom Brokerage and is involved in the sale of life insurance and fixed indexed annuities. Silver Oak Securities serves a diverse client base including individuals, corporations, and institutional entities through a network of over 100 financial professionals and manages approximately $2.4 billion in discretionary assets. The firm offers a variety of advisory programs and emphasizes discretionary investment management tailored to client objectives, using both individual securities and strategist models integrated with advanced trading platforms.

Francis Niehaus is a CFP®-credentialed financial advisor with 38 years of industry experience, currently affiliated with Commonwealth Financial Network since 2024. He has a long tenure in the financial services field, including nearly two decades at Securities America Advisors, Inc. Niehaus is also an attorney and owner of Niehaus Law Office, LLC, where he provides legal services. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions.

Gregory Mueller is a financial advisor at SPC with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Parkland Securities LLC since 2015. Outside of his advisory role, he serves as a board member for Give Where You Live Northern Kentucky, a charitable organization supporting local nonprofits. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, with a structure that includes affiliated broker-dealers and insurance agencies and formal succession and compliance protocols.

Michael Frey is a financial advisor with FIFTH THIRD SECURITIES, Inc. in Florence, KY, holding a Series 66 designation and eight years of industry experience. He has worked at Fifth Third Securities and Fifth Third Bank since 2019, and previously held positions at Fidelity Brokerage Services LLC and Fidelity Investments Institutional Operations Company Inc. Outside of his advisory role, Frey is the owner and lessor of a home rental in Independence, KY. FIFTH THIRD SECURITIES, Inc. serves individual and institutional clients through investment advisory and brokerage services, offering a variety of programs on the Passageway Managed Account platform, including advisor-directed mutual fund and ETF models, separately managed accounts, and tax-overlay strategies. As a wholly owned subsidiary of Fifth Third Bank, the firm operates at an enterprise scale with a broad advisory network and multiple affiliated entities.

Kortnie James is a financial advisor at FIFTH THIRD SECURITIES, Inc. with three years of industry experience. She holds the Series 66 and Series 63 designations and has been affiliated with Fifth Third institutions since 2016. FIFTH THIRD SECURITIES, Inc. serves a diverse client base including individuals, high-net-worth clients, and institutional entities through investment advisory and brokerage services. The firm offers multiple investment programs via the Passageway Managed Account platform, employing a range of strategies from mutual funds and ETFs to separately managed accounts with tax-overlay and direct indexing options.

Benjamin Tunney is a financial advisor with PNC Wealth Management in Cleves, OH, holding a Series 66 designation and three years of industry experience. He has been with PNC Investments LLC since 2022 and has a longer tenure at PNC Bank NA dating back to 2015. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary account accessible by invitation to PNC employees. The firm uses algorithm-driven risk assessments to recommend portfolios managed by PNC or third-party strategists, with implementations via mutual funds and ETFs.

Alan Koncal is a financial advisor with PNC Wealth Management in Florence, KY, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at U.S. Bancorp Investments, US Bank, and various divisions of PNC. Outside of advisory work, he has experience as an owner-landlord. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an employee-only, online discretionary model account that uses algorithm-driven risk assessment and implements investments via approved model strategies with mutual funds and ETFs.

Nathan Rogers is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Valic Financial Advisors since 2002. He also holds Series 63 and Series 65 licenses and has worked with Agia since 2022. Outside of advisory work, he is the managing partner of an LLC that owns his office space in Kentucky. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction and management.

Jeffrey Dunn is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 credentials and over 31 years of industry experience. His prior work includes long tenure at New York Life Insurance Company and Edward Jones. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients, utilizing in-house and third-party model portfolios along with a platform integrating multiple affiliated financial services.

Christopher Hopper is a financial advisor with Fifth Third Securities, Inc., holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Fifth Third Securities since 2000. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank with extensive regulatory registrations.

Emily Mcguire is a financial advisor at The Huntington Investment Company with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has worked in various roles within The Huntington National Bank and The Huntington Investment Company since 2014, as well as at Ameriprise Financial Services, LLC. The Huntington Investment Company serves individuals, including high-net-worth clients, charitable organizations, corporations, and other business entities, offering advisory and brokerage services through multiple wrap-fee programs using an open-architecture model that combines third-party and affiliate investment strategies.

Robert Ernst is a financial advisor at Fifth Third Securities, Inc. with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Fifth Third Securities since 2014, having also worked at Fifth Third Bank since 2012. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Brent Zeiser is a CFP®-designated financial advisor with nine years of industry experience. He is currently with Hornor, Townsend & Kent, LLC, where he has worked since 2021. Prior to that, he spent five years at The Vanguard Group, Inc. Brent serves on the board of The Bridge Adaptive Sports & Recreation, a nonprofit focused on making adaptive sports accessible to people with disabilities. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing approximately $8.37 billion in discretionary assets as of year-end 2025.

Michael Young is a financial advisor with Fifth Third Securities, Inc. in Walton, KY. He holds Series 63 and Series 65 licenses and has two years of industry experience. His prior roles include positions at Fifth Third Bank, Rocket Mortgage, Charter Spectrum, and Ruoff Mortgage Company. Fifth Third Securities, Inc. serves a diverse client base including individuals, high-net-worth clients, and institutional entities through investment advisory and brokerage services. The firm offers multiple program types and third-party portfolio managers on its Passageway Managed Account platform, with a range of investment strategies from mutual funds and ETFs to separately managed accounts and direct indexing.

Priscilla Moore is a financial advisor with FIFTH THIRD SECURITIES, Inc., holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. She has been with Fifth Third Securities since 2011 and has worked at Fifth Third Bank since 2010. FIFTH THIRD SECURITIES, Inc. serves individual and institutional clients through investment advisory and brokerage channels, offering a variety of program types on the Passageway Managed Account platform. The firm supports a range of investment strategies and is a wholly owned subsidiary of Fifth Third Bank.

Gerald Naber is a financial advisor with Private Advisor Group, LLC in Cincinnati, OH, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2014. Outside of his advisory work, he serves as a loan officer for conventional, FHA, and VA mortgage loans with FFG Inc. Private Advisor Group serves a diverse client base including individuals, business entities, trusts, estates, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting through a network of investment adviser representatives and provides access to third-party asset managers, turnkey asset management platforms, and a firm-managed separately managed account program.

Nan Matteson is a CFP® professional with over 20 years of industry experience, currently serving at Fifth Third Securities, Inc. since 2003. She holds the Series 66 designation and is based in Cincinnati, OH. Outside of her advisory role, she owns and operates Queen City Flower Farm, where she grows cut flowers for a local farmer’s market. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account options, including direct indexing and tax-overlay services, and operates as a wholly owned subsidiary of Fifth Third Bank.

Ramona Rechtin is a financial advisor with SPC, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. Her prior roles include positions at Fidelity Personal and Workplace Advisors and Fidelity Investments. She is also an independent insurance agent selling life and health products and is a Notary Public in Florence, KY. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement services, providing both discretionary and nondiscretionary management options.

Kathryn Deters is a financial advisor at Fifth Third Securities, Inc. with one year of industry experience. She holds Series 63 and Series 65 licenses and has prior experience at CitiBank and Fifth Third Bank. Outside of her advisory role, she is involved in agricultural activities, including ownership of a cattle farm and a family egg business, and works as a delivery driver for a Walmart delivery service. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank with integrated relationships among the bank, platform sponsor, and clearing firm.