Charlie Pool is a financial advisor with LPL Financial in Centerville, Ohio, holding a Series 63 designation and 29 years of industry experience. Prior to joining LPL Financial in 2018, he worked at ValMark Advisers, Inc. and Valmark Securities, Inc. from 2005 to 2018. Outside of his advisory role, Pool is a partner and owner of a commercial real estate business that owns the building housing his wealth management firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advice through a large network of investment adviser representatives who use a range of investment strategies.

Sydney Cotton is a financial advisor at Morgan Stanley with eight years of industry experience. Prior to joining Morgan Stanley in 2018, Cotton worked for three years at Wells Fargo Advisors. Cotton holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual plans and Corporate Financial Planning agreements.

Brian Schultz is a financial advisor with Cambridge Investment Research Advisors in Dayton, OH. He holds the ChFC® designation along with Series 63 and Series 66 licenses and has 33 years of industry experience. Prior to joining Cambridge Investment Research Advisors in 2014, he was involved in independent insurance agency work and currently serves as president of BK Schultz Consulting. Additionally, he has a side business related to fur harvesting. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering a range of strategies including proprietary models and access to third-party managers.

Timothy Schmale is a CFP® and Series 66 holder with eight years of experience in the financial services industry. He has been with Edward Jones since 2017 and previously worked for GM Financial from 2010 to 2017. 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 strategies. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Harry Williamson is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds a Series 63 designation and has been with various branches of Raymond James since 2010. Williamson is also the owner of Williams Wealth Advisors, LLC, a non-investment-related support company based in Dayton, OH. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse clientele, including individuals, high-net-worth clients, corporations, and institutional investors, using tailored, non-discretionary approaches supported by analytical tools and risk profiling.

Jennifer Cumming is a financial advisor at UBS Financial Services with 29 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Merrill for 17 years before joining UBS in 2024. 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, utilizing proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

David Holtz is a financial advisor at OSAIC with 29 years of industry experience. He has held positions at FSC Securities Corporation, First Advisors, Inc., and Ffp Securities, Inc. He also operates a sole proprietorship focused on brokerage of fixed life and annuities and manages tax preparation services. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisors and multiple advisory platforms, offering integrated brokerage, investment advisory, and wealth management services.

Steven Wise is a Certified Financial Planner (CFP®) with 14 years of industry experience, currently serving at J.P. Morgan Securities. He has held roles at firms including BBS Investments, LLC and Hensley's, and is involved as an owner and partner in a flooring business and a commercial real estate entity. Additionally, he is an investor in a sports card trading company. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis while clients maintain final decision authority.

John Abbott is a financial advisor with Primerica Advisors in Centerville, OH, holding a Series 63 designation and bringing 29 years of industry experience. He has been with Primerica Advisors since 1997 and Primerica Financial Services since 1996. His outside activities include part-time involvement in sales of loan products and home security and automation services through affiliates of Primerica. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-driven investment strategies and provides advisory services at scale through a large network of financial advisors.

Roger Rucker is a financial advisor with Primerica Advisors in Fairborn, OH, holding Series 63 and Series 65 licenses and offering 33 years of industry experience. His work history includes roles at Universal Technology Corporation from 2003 to 2019 and ongoing positions with PFS Investments Inc and Primerica Financial Services since 1992. He is involved in sales of investment-related products and receives compensation for the sale of loan products and referrals of home security and automation services through affiliates. Primerica Advisors is a large institutional firm with approximately 3,698 financial advisors and $15.5 billion in assets under management. The firm primarily serves individual investors and offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers, with support from BNY Mellon Advisors and Pershing for trade execution and custody.

Ricky Bowman is a financial advisor at Ameriprise with 33 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliated entities since 2005. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, featuring a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

David Moyer is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has worked at UBS since 2023. Prior to his current role, he was involved with Campus Crusade for Christ and held various positions at companies including Total Wealth Planning, DoorDash, and Instacart. Outside of advising, he has worked delivering groceries for Instacart. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and provides a broad range of capital markets services.

Joshua Weiland is a financial advisor at Stifel with 22 years of industry experience and holds the Series 66 designation. He has been with Stifel Nicolaus & Co. since 2013. Outside of his advisory role, he serves on the board of the University of Dayton’s Davis Center for Portfolio Management, advising students on their management of a portion of the university’s endowment, and is also a board member of the Kettering Sister City nonprofit organization. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group that incorporates forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning analyses.

David Criner is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Raymond James & Associates, Inc. since 2009. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Ronald Ginter is a financial advisor with Ameriprise in Miamisburg, OH, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of advising, he is co-owner of LoRo Mountain, LLC, a real estate business. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Tanya Munn is a financial advisor at Morgan Stanley with 25 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets from 2005 to 2009. Outside of her advisory role, she is involved with Intele Travel Inc. in a sales and marketing capacity. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning, utilizing structured discovery processes and firm-approved tools.

Anshu Vohra is a Financial Advisor at Merrill Lynch Wealth Management. She has been active in the financial services industry since 2007 and joined Merrill Lynch Wealth Management in 2026. She holds the designation of Personal Investment Advisor (PIA). Anshu's expertise encompasses personalized wealth management, retirement planning, and investment strategies aimed at helping individuals, families, and business owners achieve their financial objectives. Before joining Merrill Lynch, she developed a foundation in tax and financial planning through roles at CareSource, ATSG Inc., and Equitable Financial Advisors. She focuses on creating customized strategies that align clients' financial resources with their personal goals and values. She earned Master's degrees from Wright State University and Narsee Monjee Institute Of Management Studies, as well as a Bachelor's degree from Bhopal School Of Social Sciences. Outside of her professional life, Anshu enjoys biking, cooking, dancing, gardening, hiking, interior decorating, reading, traveling, watching movies, and practicing yoga. She is married to Amit since 2004, with whom she has two sons. They contribute to their community by donating time and talents to various local organizations.

Caroline Pratt is a financial advisor at UBS Financial Services with two years of industry experience. She holds a Series 66 designation and has worked at UBS Financial Services since 2019. Prior to entering the financial industry, she was employed at the University of Alabama and Troy High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering tailored financial planning and portfolio management supported by proprietary research and model-based asset allocations.

Kinsey Kinder is a financial advisor at Ameriprise with four years of industry experience. Prior to joining Ameriprise in 2021, Kinsey worked for five years at LCNB National Bank. Kinsey also serves as an Associate Financial Advisor with Beyond Wealth Advisors LLC, a private wealth advisory practice of Ameriprise Financial Services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on income sources and tax-aware withdrawal strategies.

Daniel Winkler is a Series 66-licensed financial advisor with Morgan Stanley in Beavercreek, Ohio, with six years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019. Outside of his advisory role, he participates in the University of Dayton’s Flyer Investment Committee and Flyer Angels, where he is involved in equity decisions for the university’s investment fund and performs due diligence on startup companies. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by proprietary tools and a structured planning process.