Matthew Bayer is a financial advisor at Harbour Investments, Inc. with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has operated BMB Concepts LLC since 2006 and Bayer Financial Group, LLC since 2004. Outside of his advisory work, he is involved as an independent insurance agent and serves as managing member of a real estate holding company. Harbour Investments provides investment advisory and financial planning services to a diverse client base, including individuals, charitable and corporate clients, retirement plans, and other financial advisors. The firm employs a combination of fundamental and technical analysis to create customized investment strategies and offers model-based solutions through a subscription platform.

Kenneth Warnick is a financial advisor with Westminster Financial Advisory Corporation, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Westminster Financial Advisory Corporation and its affiliated broker-dealer since 2009. Outside of his advisory work, he is self-employed in accounting and tax preparation services. Westminster Financial Advisory Corporation provides investment supervisory services and general investment advice to a diverse client base including individuals, families, trusts, and charitable organizations. The firm’s investment approach emphasizes diversified, multi-asset class allocation with a buy-and-hold strategy enhanced by tactical adjustments based on economic and market conditions.

Andrew Blumenstock is a CFP® and holds a Series 65 designation with two years of industry experience. He currently works at Root Financial Partners, joining the firm in 2026 after two years at Peak Retirement Planning, Inc. Prior to his financial advisory career, he served ten years in the United States Air Force. Root Financial Partners provides investment management and comprehensive financial planning services to individual clients, trusts, estates, small businesses, and select retirement-plan relationships. The firm emphasizes broadly diversified, passive investment strategies using index funds and ETFs, tailoring portfolios to client objectives, risk tolerance, and tax considerations.

Brent Jackson is a financial advisor at G. A. Repple & Company with 13 years of industry experience. He holds a Series 66 designation and has been with G. A. Repple & Company since 2014. In addition to his advisory role, he owns Harvest Financial, where he acts as an insurance agent specializing in the sale of insurance and Medicare health plans. G. A. Repple & Company provides investment advisory and financial planning services to a diverse client base, including retail individuals, retirement plans, trusts, estates, and corporate entities. The firm employs various analytical approaches to portfolio construction and offers a range of programs including discretionary and non-discretionary management, separately managed accounts, and Biblically-Responsible Investing models.

Morgan Brazie is a financial advisor at Westminster Financial Advisory Corp with 12 years of industry experience. He holds the Series 66 designation and has been with Westminster Financial Securities Inc. since 2013. Westminster Financial Advisory Corporation provides investment supervisory services and general investment advice to individuals, families, high-net-worth clients, trusts, estates, fiduciaries, charitable organizations, small businesses, and retirement plans. The firm employs a diversified, multi-asset class investment approach with a primary buy-and-hold orientation, supplemented by tactical overlays and cyclical analysis.

Michael Groomes is a Series 63 licensed financial advisor with seven years of industry experience. He currently serves at Altitude Capital Management LLC and has prior experience with New York Life Insurance Co., Prudential Insurance Company of America, and various other firms. Groomes is also involved in insurance sales through his role as agent and owner at MLG Financial Services Ltd. Altitude Capital Management LLC provides investment advisory and financial planning services to individuals and high net worth clients, focusing on tailored portfolio management and consulting with no account minimums. The firm employs an individualized investment approach based on client goals, risk tolerance, and time horizon, managing accounts primarily on a discretionary basis.

Steven Sipniewski is a CFP® and holds a Series 66 license with 14 years of industry experience. He has been with Westminster Financial Advisory Corp since 2013, following a year at Thrivent Investment Management. Westminster Financial Advisory Corporation provides investment supervisory services and financial planning to individuals, families, trusts, fiduciaries, charitable organizations, small businesses, and retirement plans. The firm employs a strategic asset allocation approach with tactical overlays, primarily using a buy-and-hold framework combined with periodic rebalancing and option strategies to manage portfolios.

Edward Registrato is a financial advisor with Westminster Financial Advisory Corp in Sun City, AZ, holding Series 63 and Series 66 licenses and bringing 46 years of industry experience. He has worked with American Network Securities Corp since 1983 and American Network Financial Services Corp since 1978. Outside of advising, he is also a licensed REALTOR serving as a referral agent. Westminster Financial Advisory Corporation provides investment supervisory services and general investment advice to individuals, families, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm employs a diversified, multi-asset class investment approach with a buy-and-hold orientation, supplemented by tactical overlays and cyclical analysis.

William Leboeuf is a financial advisor with Compound Planning, Inc. He holds Series 63 and Series 65 licenses and has 30 years of industry experience. His prior work includes roles at Atomi Financial Group, Carillon Advisors, Emerald Investment Partners, Bank of America, Merrill Lynch, and ORG Private Advisors Group. Leboeuf serves as a director for the YMCA and the Western Golf Association Caddie Scholarship Fund and is on the board of a software company supporting life insurance sales agents. Compound Planning serves individuals, families, businesses, retirement plans, and financial intermediaries through discretionary portfolio management, turnkey asset management, financial planning, and institutional retirement-plan services. The firm employs a fiduciary, goals-based investment process utilizing a variety of strategies and integrates technology partnerships to support portfolio oversight.

Grant Francis is a financial advisor at Westminster Financial Advisory Corp with four years of industry experience. He holds the Series 66 designation and has worked in various roles prior to joining Westminster Financial Securities, Inc. in 2022, including positions in hospitality and education. Westminster Financial Advisory Corporation provides investment supervisory services and financial planning to individuals, families, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm’s investment approach emphasizes strategic asset allocation with tactical adjustments based on economic and market analysis, primarily using a buy-and-hold strategy supplemented by discretionary trading and options strategies.

Shawn Hicks is a Series 65-licensed financial advisor with five years of industry experience. He is currently with Signal Advisors Wealth, LLC and has previously worked at AE Wealth Management, Gradient Advisors, and Heritage Financial Resources. In addition to his advisory role, he is also licensed to sell various insurance products. Signal Advisors Wealth provides investment management and financial planning services to individual, high-net-worth, family, and business clients. The firm uses a top-down, macro-environmental investment approach with tactical asset allocation and sector rotation, offering discretionary model portfolios and third-party manager strategies.

Stuart Brazie is a financial advisor at Westminster Financial Advisory Corp with 33 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Whitehall Financial Services and Quick & Reilly, Inc. Outside of advisory work, he is also involved as an insurance agent focusing on long-term care, deferred annuities, term, and other insurance products. Westminster Financial Advisory Corporation provides investment supervisory services and financial planning to individuals, families, trusts, charitable organizations, small businesses, and retirement plans. The firm employs a strategic asset allocation approach combined with tactical adjustments, utilizing a primarily buy-and-hold framework with discretionary trading and option strategies to manage portfolios.

Collin Brazie is a financial advisor at Westminster Financial Advisory Corp with five years of industry experience. He holds the Series 66 designation and has worked primarily with Westminster Financial Securities, Inc. since 2013, with periods of self-employment in between. Outside of finance, he is a co-founder of Closing Time Productions, a film production company involved in writing and shooting. Westminster Financial Advisory Corporation provides investment supervisory services and general investment advice to a diverse client base, including individuals, families, trusts, and charitable organizations. The firm’s approach focuses on diversified, multi-asset class allocations with a buy-and-hold strategy supplemented by tactical adjustments based on market conditions.

Moustapha Mounah is a CFA® charterholder and holds a Series 66 license with four years of industry experience. He is currently with Westminster Financial Advisory Corp and has prior experience at ALPS Distributors, James Investment Research, Cradle North America, and Wright State University. Westminster Financial Advisory Corporation provides investment supervisory services and financial planning to individuals, families, trusts, charitable organizations, small businesses, and retirement plans. The firm employs a strategic asset allocation approach with tactical overlays, using a primarily buy-and-hold strategy complemented by discretionary trading and option strategies to manage portfolios.

Benjamin Wynd is a financial advisor at Westminster Financial Advisory Corp with eight years of industry experience. He holds a Series 65 designation and has worked at Smith Wynd Capital LLC since 2024 and Westminster Financial Advisory since 2017. Outside of advising, he is a partner in several business ventures including Smiley Smith Wynd LLC, a CPA business, and Smith Wynd & Co LLC, which specializes in business brokerage assisting clients in selling small private companies. Westminster Financial Advisory Corporation provides investment supervisory services and general investment advice to individuals, families, and various entities. The firm emphasizes diversified, multi-asset class portfolios with a buy-and-hold approach complemented by tactical adjustments based on market conditions.

Lawrence Brazie is a financial advisor at Westminster Financial Advisory Corp with 48 years of industry experience. He has been with Westminster and its affiliated entities since 1987. Brazie holds Series 63 and Series 65 licenses. Westminster Financial Advisory Corporation provides investment supervisory services and financial planning to individuals, families, trusts, estates, fiduciaries, charitable organizations, small businesses, and retirement plans. The firm employs a strategic asset allocation approach with tactical overlays and primarily utilizes a buy-and-hold framework complemented by periodic rebalancing and option strategies.

Mark Morris is a financial advisor with ValMark Advisers, Inc. in Kettering, Ohio, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with ValMark since 2006 and has prior experience at Northwestern Mutual. Outside of advisory work, he is the author of *The Secure Future Advisor Book* and serves as chapter president of the American Financial Education Alliance, where he teaches financial education courses. ValMark Advisers provides investment advisory and financial planning services to individual and high-net-worth investors, retirement plan sponsors, and institutional clients. The firm’s approach emphasizes diversified, goal-based portfolios and asset allocation, supported by proprietary and third-party platforms, and includes management of investment-company products and index licensing arrangements.

James Cook is a financial advisor at Beacon Capital Management, Inc. with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Beacon Capital Management since 1999 and The Tavenner Company since 2001. Outside of his advisory role, he is involved in the sale of conventional life and annuity products. Beacon Capital Management provides model portfolio management and direct discretionary portfolio management to advisory platforms and retail advisors, serving a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm utilizes data-driven tactical allocation strategies primarily executed through ETFs and mutual funds.

Steven Allread is a financial advisor with Prospera Financial Services, Inc. in Dayton, OH, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He was previously with Cutter & Company, Inc. for 16 years before joining Prospera in 2025. Outside of his advisory role, he is involved with SJ Wolfe Investments, Inc., where he participates in management and trading activities. Prospera Financial Services, Inc. is a multi-team advisory firm with 271 advisors managing approximately $14.4 billion in client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, and other business entities, offering financial planning, portfolio management, and access to various advisory programs and platforms.

Daniel Gilbert is a CFP® and ChFC® with 39 years of industry experience. He is currently with First Heartland Consultants, Inc., where he has worked since 2024. His prior experience includes roles at Securities America Advisors, Inc. and KMS Financial Services, Inc. Gilbert is also involved in marketing insurance and financial services. First Heartland Consultants provides investment advisory and financial planning services to individuals, businesses, and retirement plan participants. The firm offers personalized asset management, third-party asset management services, and a model-based self-directed brokerage account program, delivering advisory services through independent investment adviser representatives.