William Ciolino is a financial advisor with Charles Schwab in Cincinnati, OH, holding Series 63 and Series 66 licenses and six years of industry experience. His background includes roles at Charles Schwab Bank, Charles Schwab, TD Ameritrade, and prior positions in banking and higher education at Fifth Third Bank and DePaul University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset investment approach supported by research and alternative investment programs.

Bradley Hohlbein is a Series 66-registered financial advisor with Morgan Stanley in Cincinnati, Ohio, with two years of industry experience. Before joining Morgan Stanley in 2024, he worked at Fifth Third Bank from 2022 to 2024. His background includes multiple roles associated with the University of Cincinnati and service in the US Army Reserve. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Scott Noelcke is a financial advisor at Fidelity with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Fidelity and its affiliated firms since 2004, including roles at Bartlett & Co and Legg Mason Wood Walker earlier in his career. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services and manages model portfolios using a systematic methodology with oversight of affiliated and unaffiliated sub-advisers.

Robert Apple is a CFP®-designated financial advisor with 10 years of industry experience. He is currently with Mass Mutual Investors Services and has previously worked at firms including OneAmerica Securities, American United Life, Park Avenue Securities, and Guardian Life Insurance. In addition to his advisory role, he is an agent involved in life insurance sales through Westpoint Financial Group. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software and collaborative planning approaches to deliver tailored financial recommendations.

Robert Hackman is a financial advisor with LPL Financial in Cincinnati, Ohio, holding a Series 63 designation and 44 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Mutual Service Corporation from 2007 to 2009. Outside of his advisory role, he is involved in a non-variable insurance business through Hackman Financial Group. 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Gregory Stacy is a financial advisor with MassMutual Investors Services in Cincinnati, OH, holding a Series 63 designation and 38 years of industry experience. He has worked at MassMutual since 2017 and was previously with MetLife Securities Inc. from 2015 to 2017. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software tools for goal analysis and delivers written recommendations as part of annual, collaborative planning relationships.

Michael Andrews is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1999 and focuses on developing financial strategies tailored to the risk tolerance, time horizon, and liquidity needs of high-net-worth individuals, their families, and businesses. His approach is consultative and objective, aiming to assist clients in meeting both their short- and long-term financial goals through a variety of solutions including investments, retirement planning, estate planning services, and philanthropy. Michael holds several professional credentials including the CERTIFIED FINANCIAL PLANNER® (CFP) certification earned in 2005, the Chartered Retirement Planning Counselor™ (CRPC) designation, the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation, Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's degree from Auburn University and his high school diploma from St Xavier High School. A significant part of his practice addresses retirement income strategies, especially following life transitions such as the loss of a spouse, divorce, retirement, inheritance, or sale of a business. Outside of his professional work, Michael enjoys cooking, fishing, golfing, and hiking.

Cassidy Carr is a financial advisor at Morgan Stanley in Cincinnati, OH, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, Cassidy worked at The OJM Group and LiveWell Capital, and serves concurrently in the US Army since 2012. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

William Mericle is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 17 years of industry experience. Prior to joining LPL Financial, he worked at Fifth Third Securities and Fifth Third Bank from 2018 to 2023, and spent ten years at Fidelity Investments. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gina Crowley is a financial advisor at UBS Financial Services with 27 years of industry experience. She has been with UBS since 2007 and holds the Series 63 and Series 65 designations. Outside of her advisory work, she assists in managing and developing an online and storefront business and serves on the board of a nonprofit organization providing inpatient treatment for women with addiction. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans to clients’ goals and risk tolerances.

Richard Corman is a financial advisor with UBS Financial Services in Cincinnati, OH, holding Series 63 and Series 65 designations and bringing 49 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm supports its advisors with proprietary research, model-based asset allocations, and a fiduciary approach to fee-based financial planning.

James Mackay is a financial advisor with J.P. Morgan Securities in Cincinnati, OH, holding Series 63 and Series 65 licenses and six years of industry experience. His work history includes roles at JP Morgan Chase Bank and J.P. Morgan Private Bank, as well as running a landscaping and lawncare business. 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 through a select group of Wealth Advisors. As part of J.P. Morgan, the firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Michael Sheehan is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Horter Investment Management and Fidelity Brokerage Services. He is based in Cincinnati, OH. 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 individuals, high-net-worth clients, and institutional investors.

Kenneth Goldhoff is a financial advisor with UBS Financial Services in Cincinnati, OH, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as co-chair of the Allocations Committee for the Jewish Federation of Cincinnati. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm offers fee-based financial planning, portfolio management, and access to institutional trading capabilities alongside wealth management.

Christine Jacobs Schaadt is a financial advisor with Morgan Stanley Wealth Management in Cincinnati, Ohio, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She previously worked at Wells Fargo Clearing for three years before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analysis from its Global Investment Committee.

Cameron Collins is a financial advisor at UBS Financial Services with three years of industry experience. He has previously worked at Great American Insurance Group and studied at the University of Kentucky. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals.

Lisa Martin is a CFP® and holds a Series 66 license with 15 years of industry experience. She has been with UBS Financial Services in Cincinnati, OH since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients using brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, incorporating proprietary research and model-based asset allocations to customize strategies for clients.

Christine Engelkamp is a financial advisor with Raymond James Financial, holding a Series 63 designation and 14 years of industry experience. She worked at Edward Jones for 21 years before joining Raymond James Financial Services Advisors in 2021. Engelkamp is also an associate at Wilks Wealth Planning, where she supports branch operations. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to help illustrate potential investment outcomes.

Mitchell Deskins is a financial advisor at Morgan Stanley in Cincinnati, OH, with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2023, following positions at Dinergy Wealth Management and Horter Financial Strategies. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and the Global Investment Committee’s Secular Return Estimates in its financial planning process.

Garry Binegar Jr. is a financial advisor with UBS Financial Services in Cincinnati, OH, holding a Series 66 designation and 21 years of industry experience. He has been with UBS Financial Services since 2005. Outside of his advisory role, he serves as trustee of his family’s irrevocable life insurance trust. 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 solutions.