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.

Seung Mishler is a financial advisor at Raymond James Financial with 17 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for 15 years. Mishler also maintains a financial planning support business under the name Mishler Financial Planning. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm employs a tailored, non-discretionary approach using risk profiling and modeling tools and supports municipal and public finance work through a unique municipal advisor affiliation.

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.

John Mogush is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds the Series 63 and Series 66 designations and has been with JPMorgan Securities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations and may incorporate an ESG eligibility framework.

Aaron Brown is a financial advisor with J.P. Morgan Securities in West Chester, OH, holding a Series 66 designation and over 21 years of industry experience. His career includes extensive tenure at Bank One and JPMorgan Chase Bank, N.A., alongside multiple periods at J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory framework.

David Kurtz is a financial advisor with Equitable Advisors in Hamilton, Ohio, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm employs a range of advisory models, including third-party TAMPs and discretionary portfolio management through its SAM program, and provides ERISA fiduciary services for qualified plans.

Matthew Rupe is a financial advisor with LPL Enterprise, holding Series 63 and 65 licenses and nine years of industry experience. Prior to joining LPL Enterprise, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of finance, Rupe is co-owner of Vertical Advantage Helicopters, where he serves as a pilot and flight instructor. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, retirement plans, banks, and charitable entities. The firm uses a model-driven investment approach with access to third-party asset managers and offers financial planning, consulting, and insurance product sales through affiliated entities.

Steven Ryan is a CFP®-designated financial advisor with Morgan Stanley, based in Centerville, OH, and has 27 years of industry experience. Prior to joining Morgan Stanley, he held roles at PNC Investments, Wesbanco Securities, Chase Investment Services, and Banc One Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and provides financial plans that incorporate scenario modeling without offering individual security recommendations as part of standalone planning.

John Weigel is a financial advisor with LPL Financial, holding a Series 66 credential and 28 years of industry experience. He has worked at LPL Financial since 2008 and was previously employed at Fifth Third Securities, Inc. from 2005 to 2008. In addition to his advisory role, he operates a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advice delivered primarily through its network of investment adviser representatives.

Larry Bowling is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 44 years of industry experience. He has worked with MML Investors Services, Inc. since 1988. Outside of his advisory role, he is also involved in life, health, and dental insurance sales. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements.

Corey Callahan is a CFP® professional with 18 years of industry experience, currently with Wells Fargo Advisors in Dayton, OH. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he serves as a board member for 2940 At The Square, LLC, a community organization focused on local improvement decisions. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, utilizing extensive research and tools to develop tailored recommendations for clients who meet a net-worth threshold.

Teri Engle is a Wealth Management Advisor at Merrill Lynch Wealth Management with 29 years of experience in the finance industry. She has worked since 1993, beginning her career with Merrill, and focuses on building long-term relationships with clients. Teri offers a comprehensive approach to wealth management, providing advice on retirement preparation, wealth transfer strategies, tax minimization, insurance, education planning, and divorce transition planning. Teri holds a bachelor's degree from Miami University and an MBA from the University of Dayton. She is a CERTIFIED FINANCIAL PLANNER™ certificant, holds the Chartered Retirement Planning Counselor™ designation, and is a Certified Divorce Financial Analyst®. She is also a graduate of the Leadership Dayton Program and has been an active member of the Junior League of Dayton. Teri is involved in community service, including serving on the board of the Widows Home of Dayton. Beyond her professional work, Teri enjoys spending time with her family, including her husband Joe and children Brendon and Lauren. She also appreciates activities such as camping, reading, traveling, watching movies, and outdoor time with her dog Gio by any body of water.

Alexander Overcash is a Benefits & Planning Consultant specializing in Executive Services. In his role, he collaborates with clients to understand their short-term, intermediate, and long-term financial goals, aiming to create customized financial plans tailored to their unique needs. Since 2018, Alexander has worked as a Workplace Planning Consultant at Fidelity Investments. He emphasizes building strong, in-depth relationships with clients and their families, focusing on trust, reliability, and comprehensive knowledge to support effective financial planning. Outside of his professional work, Alexander has interests in cars, cooking and baking, fitness, golf, hiking, and kayaking.

Joshua Manners is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked previously at Ameriprise Financial Services, Morgan Stanley Smith Barney, and Ultimus Fund Solutions. Based in Cincinnati, OH, he joined Charles Schwab in 2025. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by strategic asset allocation models and centralized custody and supervisory arrangements.

Steven Fischer is a financial advisor with Ameriprise in Springboro, OH, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise since 2009. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria, providing detailed written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

David Lowe is a financial advisor with Ameriprise in Miamisburg, OH, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, Lowe is a partner in Lowe & Pfaff Associates LLC, a business created to manage Ameriprise business expenses. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement-income planning through its Premier Retirement Income service. The firm provides a written Recommendation Report and ongoing advice focused on income sources and tax-aware withdrawal strategies, supported by proprietary research and third-party data.

Brittany Hartley is a financial advisor with UBS Financial Services, holding a Series 66 designation and eight years of industry experience. She has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.