Karl Kessler is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. He has been with Ameriprise since 2009. Outside of his advisory role, Kessler serves on the Board of Directors for Lebanon Ultimate Frisbee and Hope Church, and he is involved in community activities such as coordinating evening programs at Camp Joy and announcing soccer games for Lebanon City Schools. Ameriprise Financial Services is a large diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Curtis Uhlenhake is a CFP® professional with two years of experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. He previously worked at Corient and has held various roles including at The Ohio State University and St. Henry Schools. Outside of his advisory work, Curtis officiates basketball games for local junior high and high schools. 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 offers tailored, non-discretionary planning and supports a broad network of advisors with analytical tools and programs that incorporate technology and risk profiling.

Bhavna Singh is a financial advisor at Stifel with one year of industry experience. She holds a Series 66 designation and previously worked at Key Bank from 2020 to 2023. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, providing both brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Timothy Van Simaeys is a financial advisor with UBS Financial Services in Miamisburg, Ohio, holding Series 65, 63, and 66 licenses and bringing 31 years of industry experience. He has been with UBS since 2004. Outside of his advisory role, he contributes by teaching a segment of the Financial Strategies for Successful Retirement course at the University of Dayton and is involved with Big Brothers Big Sisters Miami Valley. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Jason Hallmark is a CFP® professional with 17 years of industry experience, currently advising clients at OSAIC since 2024. His prior experience includes roles at Securities America Advisors and Northwestern Mutual Wealth Management. Outside of financial advising, he is engaged in creating art and photography. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and investment advisory services that utilize asset-allocation tools and third-party managed-account solutions.

Geneva Beard is a financial advisor with Primerica Advisors in Centerville, OH, holding 28 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 1995 and has been involved with Graceworks since 2014. In addition to her advisory role, she participates in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm employs third-party asset managers and uses a tiered wrap fee structure, focusing on curated investment models rather than institutional plan management.

Barbara Luttrull is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 30 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015. Outside of her advisory role, she serves as an executor and co-executor for estates, handling estate administration in Dayton, Ohio. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and strategies supported by its Global Investment Committee.

Benjamin Marcum is a financial advisor with Fidelity Investments, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining Fidelity, he served as head defensive coach for SOUL Lacrosse LLC and has experience coaching at Springboro High School. Outside of finance, he has been involved in lacrosse coaching and youth sports activities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Cassandra Nelson is a financial advisor at UBS Financial Services with 21 years of industry experience. She holds a Series 63 designation and has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides research and capital markets solutions through its global platform.

Braden Miller is a financial advisor at UBS Financial Services with three years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at JP Morgan Securities LLC, OneAmerica Securities, and Northwestern Mutual Investment Management. Outside of finance, Miller works as a food delivery contractor. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, using proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management and provides a broad range of capital markets services.

Christopher Garrity is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Edward Jones, JP Morgan Securities, and Bridgepoint Education. Outside of his advisory role, he serves as president of the board of trustees for Clothes That Work, a nonprofit organization focused on preparing individuals for employment success. Merrill, along with 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 a range of clients including individuals, high-net-worth investors, pension plans, and charitable organizations.

Kurtis Campbell is a financial advisor at Cetera with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has a background that includes roles at Avantax Advisory Services and Brown Tax Consulting. Campbell is also a CPA and owner of Pohlman, Talmage, Brown & Campbell CPAs, Inc., where he provides accounting, tax, and consulting services alongside financial planning. He serves as treasurer on the board of One Family Church of Dayton. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services through a multi-manager platform that includes affiliated and third-party model portfolios, with over $256 billion in assets under management.

Mark Waltersheide is a financial advisor with Wells Fargo Clearing in Dayton, OH, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked at Wells Fargo entities since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Dennis Eck is a financial advisor at LPL Enterprise with Series 63 and Series 65 credentials and 43 years of industry experience. He has been with LPL Enterprise since 2024 and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. for over four decades. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and various brokerage and insurance products, operating an integrated platform that combines advisory programs with active sales of financial products and lending services.

Gregory Jedding is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Timothy Ippisch is a CFP® and ChFC® credentialed advisor with Raymond James Financial, based in Dayton, OH, and has 26 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2016. Outside of advising, he is a partner and silent investor in a local restaurant group and holds ownership interests in several business and real estate ventures. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, corporations, pension plans, and institutional clients. The firm offers non-discretionary planning and uses analytical tools to tailor strategies to client goals, supporting implementation through its advisory programs and other providers.

James Collins is a financial advisor with Ameriprise in Germantown, OH, holding a Series 66 designation and having 11 years of industry experience. He previously worked at Edward Jones for nine years before joining Ameriprise in 2020. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, supported by a centralized consulting team and algorithmic tools, alongside a broad range of advisory, brokerage, and insurance solutions.

Ryan Khosla is a financial advisor at Morgan Stanley in Beavercreek, OH, holding a Series 66 designation. He has one year of industry experience and previously worked at Centerville City Schools and attended DePauw University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm employs a structured planning process utilizing firm-approved tools and offers various investment and planning solutions through its extensive platform.

Nicholette Thiesing is a financial advisor at Fidelity with 16 years of industry experience. She holds the Series 63 and Series 66 designations and has been with various Fidelity entities since 2011. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, management of fund-of-funds structures, and advisory roles to multiple registered investment companies.

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.