Timothy Reese is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining LPL Financial in 2021, he worked at U.S. Bancorp Investments, Inc. for nine years and was affiliated with Waddell & Reed, Inc. and various insurance carriers between 2015 and 2021. 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 advisory and brokerage services through a wide network of investment adviser representatives, providing financial planning, model portfolios, third-party asset management, and institutional platforms.

Timothy Birt is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Primerica Advisors since 2006 and has prior experience at Riverside Research Institute and Modern Technologies Solutions Inc. Birt also has business activities involving sales of loan products and home security services through affiliates of Primerica. Primerica Advisors is a large institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program using model-based investment strategies managed by unaffiliated asset managers, supported by third-party trade execution and custody.

Hannah Flynn is a financial advisor with Morgan Stanley in Beavercreek, OH, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2019, she worked at Marshall University’s Lewis College of Business Graduate College and the West Virginia Alcohol Beverage Control Administration. Morgan Stanley Wealth Management serves 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 integrates a structured planning process supported by firm-approved tools and analysis.

Ethan Zielazny is a financial advisor at OSAIC with five years of industry experience. His prior roles include positions at FSC Securities Corporation and Prudential Insurance Company of America. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, through a multi-advisor platform offering both brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, utilizing a range of advisory strategies and third-party manager selections.

Jill Bracci is a Certified Financial Planner (CFP®) with 45 years of industry experience. She has worked at Morgan Stanley and its Private Bank division since 2017 and previously held roles at Bank of America and Merrill Lynch. Outside of her advisory work, she owns Bracci Renovate and Sell LLC, a real estate property management business in Ohio. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs and financial planning services. The firm employs structured planning tools and modeling techniques, managing approximately $2.74 trillion in client assets.

John Anderson is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, N.A., Merrill, PNC Wealth Management, and Fidelity. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Julienne Clark is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 14 years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC and Wright-Patt Credit Union. Outside of advising, she is the sole member of a private business, Generations Fence & Deck, where she handles bookkeeping, and also serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advice and account management carried out primarily by investment adviser representatives using various strategies and tools.

Michael Druffner is a financial advisor with Raymond James & Associates in Centerville, OH, holding Series 63 and Series 65 registrations and bringing 33 years of industry experience. His career includes prior roles at Wells Fargo Clearing and STIFEL. Outside of advising, he is an officer and owner of BBMK Trinity LLC, a real estate business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers non-discretionary financial planning and investment consulting supported by a range of portfolio management styles, firm research, and affiliated sub-advisers.

Alan Elovitz is a financial advisor with Raymond James & Associates in Centerville, Ohio, holding a Series 63 designation and 26 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

William Elliott is a financial advisor with Edward Jones in Dayton, OH, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. Prior to joining Edward Jones in 2019, he worked for Universal 1 Credit Union and Cuna Brokerage Services, Inc. from 2006 to 2019. He serves as a director for Maria Joseph Home Corporation, providing oversight and audit for the charitable organization. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Terry Bissonett is a Series 66-credentialed financial advisor with Morgan Stanley, based in Beavercreek, Ohio, and has 25 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is involved in rental property ownership. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and methodologies.

Andrew Napier is a financial advisor at UBS Financial Services with nine years of industry experience. He holds a Series 63 designation and previously worked at PFS Investments Inc. and Primerica Financial Services. Outside of advising, he has been involved in the sale of loan products and home-related services through affiliated companies connected to his prior firms. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, including fee-based 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.

Matthew Palmer is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill and Bank of America, N.A. for nearly two decades. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gary Holstine is a financial advisor at Stifel with 42 years of industry experience. He holds a Series 63 designation and has previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He has been with Stifel since 2023. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

John Schmidt is a financial advisor at Osaic with 15 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Advisors for six years before joining Osaic in 2017. Outside of his advisory work, he acts as an agent for fixed insurance and long-term care policies through Clearview Wealth Management. Osaic Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach centered on model-based asset allocation and portfolio optimization.

Tyler Dayhoff is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2021. Outside of his advisory role, he is a co-owner of a marketing business for Best in Sight Eye Care. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Jeffrey Reis is a CFP® certificant with 42 years of industry experience, currently serving as a financial advisor at Ameriprise in Dayton, OH since 2020. Prior to joining Ameriprise, he worked for seven years at Raymond James & Associates. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports through a centralized consulting team.

Herman Moening is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 41 years of industry experience. He has been with Primerica since 1985, serving in various capacities within the firm for over three decades. Outside of his advisory role, he is involved with Moening Enterprises, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering advisory services primarily through model-driven investment strategies.

Erik Dayhoff is a financial advisor at Ameriprise with 31 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he is involved in managing an LLC that shares office expenses with other Ameriprise advisors. 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’s approach combines proprietary research and third-party data to deliver tailored, tax-aware retirement strategies within a defined investment framework.

Austin Cline is a financial advisor at LPL Enterprise with five years of industry experience. He holds Series 65 and Series 63 licenses and has worked with firms including Northwestern Mutual and The Prudential Insurance Company of America. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities, primarily using model-driven portfolio management and offering access to third-party asset managers and financial planning.