Terra Cripe is a financial advisor with Wells Fargo Clearing, holding 25 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Austin Cline is a financial advisor with LPL Enterprise holding Series 65 and Series 63 credentials and four years of industry experience. His prior experience includes roles at Northwestern Mutual various entities from 2020 to 2024, as well as positions at Pruco Securities LLC and The Prudential Insurance Company of America. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and access to brokerage and insurance products via an integrated platform.

Kevin Smith is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and 25 years of industry experience. He previously worked at KeyBank and Clear Channel Communications. Outside of his advisory role, he is involved in managing private investment-related business ventures. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides customized retirement income planning through a written Recommendation Report and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

Steven Arengo is a CFP® with 26 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2017. He previously worked at Invest Financial Corp. from 2012 to 2017. Outside of financial advising, he is involved as a trustee managing a golf outing and scholarship program for the David Bradley Wick Foundation and owns an online national youth sports directory. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm offers a range of investment solutions through a large network of independent professionals, utilizing proprietary and third-party model strategies tailored to client objectives across multiple platform arrangements.

Thomas Henry is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and 32 years of industry experience. His prior roles include positions at LPL Financial, Universal 1 Credit Union, CUNA Brokerage Services, Midusa Credit Union, and Cuso Financial Services. Outside of his advisory work, he serves as an assistant basketball coach for Madison Local Schools in Middletown, Ohio. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services delivered through a broad network of financial advisors.

James Stuart III is a financial advisor with Morgan Stanley in Centerville, Ohio, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has worked at Morgan Stanley since 2016 and was involved with James Stuart Audio, L.L.C. from 2015 to 2022. He also serves as a board member for the Springboro Clearcreek Baseball nonprofit organization. Morgan Stanley Wealth Management offers advisory programs to individual and institutional clients, providing tailored financial planning that utilizes firm-approved tools and modeling techniques without offering individual security recommendations as part of standalone plans.

Zachary Jablonski is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has worked at firms including CUSO Financial Services and Federated Investment Counseling. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and various management approaches.

Martin Mc Gillivary is a financial advisor with Raymond James Financial Services Advisors, Inc. in Dayton, OH, holding Series 63 and Series 65 credentials and possessing 38 years of industry experience. He has worked with firms including MLM & TRI Kettering, LLC and MLM & TRI SHK, Inc. Outside of advising, he is a partner and silent investor in a local restaurant franchise. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using risk profiling and analytical modeling and supports municipal finance work through its affiliation with a municipal advisor.

Mark Howie is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has been with LPL Financial since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs supported by research and model portfolios, providing both discretionary and non-discretionary management services.

Brittany Deweese is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. She has nine years of industry experience, including prior roles at S & D Capital. Deweese has also been involved in advisory and administrative roles within affiliated investment entities. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing both discretionary and non-discretionary portfolio management across multiple platforms and model-based solutions.

Monica Thomas is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 licenses and one year of industry experience. She has worked at Cambridge Investment Research Advisors since 2025 and has a background that includes three years with the City of Middletown and ten years with West Central Wine, LLC. She serves as a board member of the Middletown Garden Club. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and other retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, utilizing proprietary and third-party strategies across multiple custody and platform arrangements.

Craig Couch is a financial advisor with Cambridge Investment Research Advisors in Ridgeville, OH, holding a Series 66 designation and 17 years of industry experience. Prior to joining Cambridge in 2020, he worked at Citizens Securities, The Huntington Investment Company, LPL Financial, and FirstMerit Bank. Outside of advising, he is a play-by-play announcer for Elyria Lorain Broadcasting Co. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides investment implementation across multiple platforms with proprietary and third-party strategies, maintaining institutional features such as advisor transition support and compliance processes.

George Beddie Jr. is a financial advisor with Ameriprise in Southgate, KY, holding a Series 63 designation and over 56 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1988. 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 analysis in its approach, delivering recommendations through a centralized consulting team in partnership with client advisors.

David Bailey is a financial advisor at Edelman Financial Engines with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Financial Engines Advisors, Cinfed Federal Credit Union, LPL Financial, Fifth Third, and Scottrade. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub‑advisory services, and supports a large client base through both advisor-led and online offerings.

John Milo is a financial advisor with LPL Financial in Dayton, OH, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. His work history includes roles at Telhio Credit Union, Waddell & Reed, and key Investment Services. Outside of financial advising, he is involved with Adventure Therapy Travel LLC as a part-time travel agent. LPL Financial serves a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs and services, combining discretionary and non-discretionary management with research and model portfolios to support varied investment strategies.

Saad Sabri is the Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2013, progressing through various roles including Full Trader, Investments Solutions Representative, Retirement Solutions Representative, Retirement Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2025. Throughout his tenure, Saad has worked closely with clients and families to develop and implement financial plans, with a focus on wealth planning and addressing risks that may impact financial goals. He is committed to providing financial services tailored to diverse investor needs under the Fidelity brand. Outside of his professional role, Saad has interests in the beach, parenthood, and traveling.

Michael Balsom is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Bank of America, including Merrill Lynch. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses firm-approved tools and models to guide its planning process.

Phillip Sorum is a CFP® and Series 66 licensed advisor with LPL Financial, where he has worked since 2021. He has four years of industry experience, including prior roles at Joyride Tours LLC and Creative Glass. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, third-party research, and technology-driven solutions.

Holly Linville is a financial advisor with Raymond James & Associates, holding a Series 66 designation and with 11 years of industry experience. She has been with Raymond James since 2015, working out of Centerville, Ohio. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Max Plunkett II is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank since 2014. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and firm‑approved tools, offering a range of investment and advisory services.