Wendy Arnold is a financial advisor at Morgan Stanley with seven years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2018 and previously worked at Arhaus Furniture for six years. Outside of her advisory role, she operates a retail business called Know Build Deliver LLC and works as a contractor in sales and marketing for Scentsy Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning that incorporates firm-approved tools and models to assist clients in their financial decisions.

Amy Emrick is a financial advisor with Ameriprise in Middletown, Ohio, holding 21 years of industry experience. She has been with Ameriprise and its affiliate since 2000. Emrick is involved in an outside business activity as a paraplanner for Centurion Holdings LLC. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm uses a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to deliver tailored, written recommendation reports.

Abigail Davis is a financial advisor with LPL Financial in Beavercreek, Ohio, holding Series 63 and Series 66 credentials and three years of industry experience. Prior to joining LPL Financial in 2025, she worked at Wright-Patt Credit Union and CUSO Financial Services, among other roles in financial services and technology. 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, third-party asset management, and institutional platforms.

Chris Maddock is a Financial Consultant currently working at Fidelity Investments since 2020. He partners with individuals and their families to create and monitor customized financial strategies tailored to their unique and complex needs. His approach emphasizes developing plans that can withstand changing market conditions while aligning with clients' comfort levels regarding risk. Chris has over two decades of experience in the financial industry. His career includes roles such as Investment Consultant, Director Retirement Planner, Retirement Relationship Manager, and Financial Representative at Fidelity Investments. Prior to joining Fidelity, he held various positions at Fifth Third Securities, including Financial Adviser, Associate Financial Advisor, Relationship Manager, Trader, and roles in Brokerage Operations and Trust Operations at Fifth Third Bank Trust Division. No information about his education, credentials, personal interests, or community involvement has been provided.

Justin Evans is a financial advisor with Edward Jones in Dayton, OH, holding a Series 66 designation and six years of industry experience. He has been with Edward Jones since 2019 and previously worked at LexisNexis for ten years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options, operating under a fiduciary standard.

Damiano Battaglia is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2016. Outside of his advisory role, he is involved in soccer as an assistant coach at Bishop Fenwick High School and as a soccer referee in Dayton, Ohio. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies. The firm manages over $1 trillion in assets and supports a large network of financial advisors and branch offices nationwide.

Nathaniel Stevens is a financial advisor with LPL Financial and holds Series 63 and Series 66 credentials, bringing 22 years of industry experience. His previous roles include positions at Wright-Patt Credit Union, CUSO Financial Services, PNC Investments, PNC Wealth Management, Raymond James Financial, and Edward Jones. Stevens is also involved with WPCU Retirement Solutions, a business related to his LPL activities. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

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 broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct customized portfolios that may include a variety of investment types and accommodate client-imposed restrictions.

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, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors, and Stifel. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, advisory programs, and institutional consulting with a focus on non-discretionary, tailored investment strategies.

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.

Stacy Staples is a financial advisor with Primerica Advisors in Dayton, OH, holding 15 years of industry experience. She has worked with PFS Investments Inc. since 2014 and Primerica Financial Services since 2007. Outside of her advisory role, she works as a part-time Instacart shopper. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its 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.