Charlie Vinyard is a Financial Advisor with Merrill Lynch Wealth Management. He brings nearly 15 years of industry experience to his role, focusing on helping clients develop personalized financial strategies that align with their short-term, mid-term, and long-term goals. Charlie specializes in areas such as college education planning, personal retirement planning, and portfolio management services. He holds a Bachelor's Degree from Knox College and is licensed with NMLS#1619773. Charlie works closely with clients to understand their unique priorities and provides ongoing advice and guidance, including access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of his professional work, Charlie is involved in his community through participation with the Springboro Wee Panthers Football and Springboro Youth Basketball programs. His personal interests include baseball, basketball, fishing, football, golfing, music, spending time with his family, and watching movies.

Christopher Carlson is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides financial strategies to individuals and business owners, focusing on client-centered wealth management that combines personal attention with the resources of a leading global financial firm. His areas of expertise include college education planning, family wealth management strategies, portfolio management services, individual and corporate investment strategy, and retirement income. Christopher is a Personal Investment Advisor (PIA) and holds a Bachelor's Degree from Miami University. Before joining Merrill, he worked as a Senior Account Manager in the logistics and third-party logistics industry at C.H. Robinson in Cleveland, Ohio. He resides in Beavercreek, Ohio, with his wife Sandra and their two daughters. Outside of work, he stays active through running, biking, and recreational sports, and is involved in community volunteer activities.

Dianna Knudsen is a CFP® designated financial advisor with Raymond James Financial in Mason, OH, with 10 years of industry experience. She previously worked at Edward Jones for 11 years. Outside of her advisory role, she owns and operates a sole proprietorship managing an Edward Jones office. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm uses analytical tools and risk profiling to tailor non-discretionary advice aligned with client goals, supporting implementation through its advisory programs or other providers.

Brett Derrow is a financial advisor with Edward Jones in Bellbrook, OH, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he spent 19 years with Enterprise Holdings. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions through a nationwide network of financial advisors.

Donna Lynn is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, also serving at JPMorgan Chase Bank, N.A. since 1993. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process integrates quantitative and qualitative research, and incorporates ESG eligibility criteria in its recommendations.

Grant Ulrich is a financial advisor with Ameriprise in Dayton, OH, holding a Series 66 designation. He has three years of industry experience and previously worked at Twin Valley Vet Services and Twin Valley Community School District. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and operates as a large institutional provider of advisory, brokerage, and insurance solutions.

Kelly Conger is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career at Merrill in 1993 after graduating from Miami University in 1992 with a bachelor's degree in marketing. Kelly earned her CERTIFIED FINANCIAL PLANNER™ certification in 2000 and holds the Personal Investment Advisor (PIA) designation. With extensive experience in retirement planning, education planning, charitable intentions, asset protection, disability planning, asset and cash management, and legacy planning, Kelly works closely with clients during significant life transitions such as inheriting money, selling a business, and retiring. She collaborates with other professional advisors, including CPAs and attorneys, to ensure the continuity of her clients' financial plans. Kelly has been active in community volunteer work, serving on the Dayton Children's Hospital Women's Board as chair of their annual CHA CHA fundraiser, volunteering with Habitat for Humanity, participating in the Centerville Noon Optimist Club, and being a charter member of the Dayton United Way's Young Leaders Circle. She has also mentored other advisors and documented the history of Merrill's service in the Dayton community. Kelly and her husband Bill have raised two sons and reside in Centerville, where they have been longtime community members.

Brandon Fourman is a CFP® professional with seven years of industry experience and is currently with LPL Financial in Centerville, OH. His prior roles include positions at Westminster Financial Securities, Inc. and Wright State University. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm provides a range of advisory and brokerage services including financial planning, wrap and model portfolio programs, and access to third-party asset managers.

Lisa Mullen is a financial advisor with Wells Fargo Advisors in Mason, OH, holding a Series 63 designation and 22 years of industry experience. She previously worked at Raymond James & Associates for 16 years before joining Wells Fargo Clearing in 2022. Outside of her advisory role, she acts as a power of attorney for her mother. Wells Fargo Advisors is an institutional firm with over 2,200 advisors providing investment services across a broad client base.

Edward Zdolshek is a financial advisor at Ameriprise with nine years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Cetera Advisor Networks and Foresters Financial Services. Outside of his advisory role, he serves as a high school hockey assistant coach at St. Ignatius High School in Cleveland, OH. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and ongoing advice.

Austin Bernth is a financial advisor with LPL Enterprise based in Centerville, OH. He holds Series 63 and Series 65 licenses and has three years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, JPMorgan Chase Bank NA, and Northwestern Mutual. Bernth is also involved with Pine & Iron Lodge, LLC, a real estate rental business. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, employer-sponsored retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Andrew Peter is a financial advisor with Charles Schwab in Cincinnati, OH. He holds the CFP® designation along with Series 66 and Series 63 licenses, and has 12 years of industry experience. His prior work includes roles at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by centralized custody and order-routing operations.

Nathan Saner is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has one year of industry experience and has worked at Cambridge Investment Research Advisors, PNC Investments, PNC Bank, Montgomery Insurance & Investments, and Wright State University. Cambridge Investment Research Advisors serves a diverse client base including individual, institutional, pension, and charitable organizations by offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and provides access to multiple platforms and third-party advisors, including proprietary model strategies under the Founders Gate Capital brand.

Jason Moore is a financial advisor with Raymond James Financial in Dayton, OH, holding Series 63 and Series 65 licenses and with 16 years of industry experience. His prior roles include positions at National Wealth Management Group, LLC and PNC Wealth Management. Outside of his advisory work, he has been involved with Centerville Crossfit since 2017. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm uses analytic tools and risk profiling to tailor non-discretionary planning and consulting aligned with client goals.

David Beyerle is a CFP® and Series 66-registered financial advisor with Robert W. Baird & Co., bringing 12 years of industry experience. He has worked at Robert W. Baird since 2019 and previously held roles at UBS Financial Services. Outside of his advisory work, he is an LLC member of BFE Parking, a non-investment-related business. He is part of The DDK Group at Robert W. Baird, which serves individuals, families, pensions, corporations, and institutional clients by providing a range of financial planning and portfolio management services tailored to client goals and risk tolerances. The firm offers both traditional and complex investment strategies, including discretionary management and overlay services, alongside municipal advisory and public finance capabilities.

James Hyland is a financial advisor with UBS Financial Services in Miamisburg, OH, holding Series 63 and Series 65 licenses and having 38 years of industry experience. He has been with UBS Financial Services since 2007. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management through proprietary research, model-based asset allocations, and a broad range of financial products.

Kent Montgomery is a financial advisor at Cambridge Investment Research Advisors with six years of industry experience. He holds the Series 66 designation and previously worked at The Ohlmann Group. Outside of the financial sector, he is active as a musician, performing as a guitarist and vocalist in multiple local groups and tribute acts. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, and retirement-plan advisory services. The firm offers a variety of account implementation platforms and proprietary model strategies through a large network of financial professionals.

Mark Gorsuch is a financial advisor with Charles Schwab in Cincinnati, OH, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2007. 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, offering both non-discretionary and discretionary investment management supported by multi-asset model portfolios and centralized operations.

Maxwell Blalock is a financial advisor at UBS Financial Services with six years of industry experience. He has held positions at Nationwide Investment Services Corp and previously at UBS Financial Services, as well as experience at the Hilary Boone Center and the University of Kentucky. He holds Series 63 and Series 66 credentials. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services that include financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services using proprietary research and model-based asset allocations.

Shahid Malik is a financial advisor with OSAIC who holds Series 63 and Series 65 designations and has 29 years of industry experience. His prior roles include positions at Royal Alliance Associates, Sii, and Ameriprise. He serves as Treasurer on the board of the American Muslim Chamber of Commerce and teaches Arabic language outside of his advisory work. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a multi-advisor platform.