Chris Saul is a financial advisor with Ameriprise in Loveland, OH, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of his advisory role, he is a co-owner of Saul Bros., LLC, a farm land business in Napoleon, OH. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing tailored Recommendation Reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to deliver these recommendations, primarily focusing on assets managed within Ameriprise accounts.

Jacob Lindsey is a financial advisor at Morgan Stanley in Cincinnati, OH, holding a Series 66 designation with seven years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2018. His prior work includes brief roles outside finance with the Buffalo Bills and Alveo Health in 2017. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes that incorporate market simulations and established investment estimates.

Brian Whitling is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has worked previously at Morgan Stanley and UBS Financial Services Inc. He is based in Cincinnati, OH. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Christopher Collier is a financial advisor with Mass Mutual Investors Services in Cincinnati, OH. He holds the ChFC® designation and Series 63 license, and has 33 years of industry experience. He has been with Mass Mutual Investors Services since 1992 and Mass Mutual Life Insurance Company since 1991. Outside of his advisory role, he serves as a board member for Ken Anderson Alliance, a nonprofit providing adult day services for individuals with disabilities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs, including wrap accounts and money-manager programs, and structures financial planning as annual collaborative relationships using firm-approved analytical tools.

Rachael Reuss is an Executive Planning Consultant at Fidelity Investments. In her role, she partners with clients to create comprehensive plans tailored to their unique goals, focusing on educating and empowering families through clear guidance and personalized strategies. She has been with Fidelity Investments since 2018, progressing through several roles including Financial Associate, Workplace Planning Consultant, Benefits and Planning Consultant, before assuming her current position in 2026. Prior to joining Fidelity, she worked as a Staff Accountant at Ball Homes from 2016 to 2017.

Patrick Ryan is Vice President Private Wealth Management Advisor at Fidelity Investments. He has held various roles at Fidelity since 2008, progressing from Defined Contribution Representative I to his current position. Patrick has served wealthy clients and their families for nearly two decades, focusing on developing client relationships and comprehensive financial plans. As a Certified Financial Planner™ Professional, Patrick collaborates with clients and their families to grow, preserve, and distribute wealth according to their unique financial goals. His expertise includes wealth management and financial planning tailored for high-net-worth individuals. Outside of his professional work, Patrick's personal interests include family activities, food, football, golf, parenthood, and traveling.

Michael Anastasia is a financial advisor at UBS Financial Services with a Series 66 designation and two years of industry experience. His prior work includes roles at Matic Insurance, Loki Nets, Federal Express, Amazon, and Miami University. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm employs proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerances.

Donald Semler is a financial advisor with UBS Financial Services in Cincinnati, OH, holding Series 66 and Series 63 credentials and 12 years of industry experience. Prior to joining UBS in 2017, he worked at Fidelity Brokerage Services LLC from 2014 to 2017. Outside of his advisory role, Semler has been involved in website hosting and development through Vinson Massif Holdings LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary capital market assumptions and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services, offering a range of financial planning, portfolio management, and capital markets solutions.

Patrick Dolle is a financial advisor with J.P. Morgan Securities in Cincinnati, Ohio, holding Series 66, Series 63, and Series 65 credentials and 17 years of industry experience. He has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2019, and previously at PNC Bank from 2011 to 2019. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jonathan Litmer is a financial advisor with Ameriprise in Cincinnati, OH, holding Series 63 and Series 66 credentials and 14 years of industry experience. He previously worked at Fidelity Brokerage Services LLC before joining Ameriprise. Outside of his advisory role, he engages in woodworking as a hobby and may sell items he creates in the future. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Andrew Cencula is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads The Cencula Group, a team of investment professionals who combine their industry knowledge with the global resources of Merrill to provide comprehensive wealth management services. Andrew focuses on coordinating the financial affairs of individuals and families across the country, with an emphasis on retirement planning. With over 35 years of collective experience in financial services, Andrew and his team provide education to clients about available financial options and strategies. His approach includes asset allocation and portfolio diversification as risk mitigation strategies, aiming to simplify clients' financial lives by managing asset management, banking, lending, and planning needs. Andrew frequently presents seminars on topics such as caregiving, preparing for retirement, impact investing, and wealth management for same-sex couples. Andrew holds a Bachelor's Degree from the University of Wisconsin and holds the Personal Investment Advisor (PIA) designation. He is involved in community organizations including the Human Rights Campaign, Adopt-A-Class, and Green Umbrella. Outside of his professional work, Andrew enjoys camping, football, golfing, hiking, music, reading, rock climbing, spending time with family, tennis, and traveling.

Alec Hemmelgarn is a financial advisor with J.P. Morgan Securities in Cincinnati, OH. He holds a Series 66 designation and has five years of industry experience. His work history includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, and Wells Fargo Advisors. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates ESG criteria in its investment recommendations.

Robert Anning II is a financial advisor with UBS Financial Services in Cincinnati, OH, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with UBS since 2012. Outside of his advisory role, Anning serves on the boards of Convalescent Hospital and Spring Grove Cemetery and Arboretum. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending services.

Michael Hyzdu is a financial advisor with UBS Financial Services in Cincinnati, OH, holding a Series 66 designation and 23 years of industry experience. He has been with UBS since 2002. Outside of his advisory work, he serves as Vice Chair for Junior Achievement of Central Ohio and holds advisory roles with several Catholic community organizations, including the St. Thomas More Newman Center and Saint Paul's Outreach. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations with institutional trading capabilities and wealth management.

Patrick Ward is a financial advisor with LPL Financial based in Cincinnati, OH, holding Series 63 and Series 65 licenses and over 20 years of industry experience. He has worked with Money Concepts Capital Corp and operates Ward Financial. Outside of his advisory roles, he is involved with Benefit Planning Inc., where he conducts educational seminars. 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 advisory and brokerage services including financial planning, model portfolios, and institutional platforms, supported by proprietary research and advanced operational tools.

Bill Crawford IV is a financial advisor with LPL Financial based in Cincinnati, Ohio, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at JP Morgan Chase Bank, Edward Jones, and Aon. Outside of finance, he is involved as the owner and partner of Aurora Tone Solutions, a company focused on renting musical instruments and equipment. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Peter Swenty II is a financial advisor with Cambridge Investment Research Advisors in Cincinnati, OH, holding Series 63 and Series 66 licenses and having 20 years of industry experience. His prior experience includes roles at Kestra Advisory, Kestra Investment Services, and Morgan Stanley. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm offers a range of investment implementation options, including proprietary and third-party strategies, with both discretionary and non-discretionary management tailored to client objectives.

Kevin Shepherd is a financial advisor with UBS Financial Services in Cincinnati, Ohio, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he is a partner in Jet Connection LLC, a limited partnership involved in the ownership and usage of a private jet. 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 combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets operations.

Deanna Collins is a financial advisor with UBS Financial Services in Cincinnati, OH, holding a Series 63 designation and 26 years of industry experience. She has been with UBS since 1996. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Joseph Fowler is a financial advisor at OSAIC with 22 years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors for over two decades. Fowler is also an insurance agent offering accident, health, disability, and traditional life insurance. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to multiple investment platforms and third-party money managers.