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.

Michael Cozad is a CFP® with 16 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. Prior to joining OSAIC, he worked for Fsc Securities for 13 years and has been involved with Smith, Moses & Cozad, LLC since 2007. Outside of his advisory role, he holds leadership positions including Vice President and Treasurer at Smith Cozad, LLC, where he oversees daily operations and financial management. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors. The firm provides integrated brokerage and advisory services with an emphasis on asset allocation, risk assessment, and diversified portfolio construction across multiple investment vehicles.

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.

Robert Scarfo is a financial advisor at LPL Financial with 39 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Wright-Patt Credit Union and Cuso Financial Services since 2004. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives, offering financial planning, advisory programs, retirement plan consulting, and brokerage 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.

Nicholas Pierett is a financial advisor at UBS Financial Services with industry credentials including Series 63 and Series 66. He has been with UBS since 2026 and has prior experience at Fidelity Investments. Outside of his advisory work, he has been involved with Lebanon Presbyterian Church and has held various roles in education and local businesses. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor plans according to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

John Borchers is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over two decades of experience in the financial services industry. He collaborates with individuals and families to develop personalized financial strategies that address their unique needs and values. John's expertise spans a range of focus areas including corporate executive services, education planning, executive compensation, family wealth management strategies, personal retirement planning, philanthropic planning, portfolio management services, individual and corporate investment strategies, tax minimization, and retirement income. He emphasizes a team approach to wealth management, combining the insights of Merrill Lynch with access to the banking, credit, and lending services of Bank of America to provide comprehensive support. He holds a Bachelor's degree from Wright State University and the CERTIFIED FINANCIAL PLANNER (CFP) certification, along with the Personal Investment Advisor (PIA) designation. John resides in Kettering, Ohio with his wife and four daughters, and is involved in his community through children's various activities. He also enjoys football, golfing, music, and traveling.

William Furay is a financial advisor with Primerica Advisors in Dayton, OH, holding seven years of industry experience. He has worked with PFS Investments Inc. since 2018 and has prior experience at Primerica Financial Services and several healthcare organizations. Outside of investment advising, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Kelly Ryerson is a financial advisor at Edward Jones with one year of industry experience. She holds the Series 66 designation and has been affiliated with Edward Jones since 2006. Outside of her advisory role, Ms. Ryerson is a caregiver providing in-home care services in Troy, Ohio. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

Michael Aukerman is a Series 66-licensed financial advisor with UBS Financial Services, based in Miamisburg, OH. He has 19 years of industry experience and has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and offers a wide range of capital markets services.

Annie Scott is a financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and has been with Ameriprise Financial Services since 2015. In addition to her advisory role, she works as a financial planning analyst and paraplanner at Heick, Hester, Smith & Associates LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendation reports and ongoing tax-aware withdrawal advice.

Samuel Williamson is a Series 66-licensed financial advisor with Raymond James Financial in Dayton, OH, bringing four years of industry experience. His prior work includes roles at Raymond James & Associates and experience outside finance at companies like Doordash and La Comedia. He also operates Williamson Wealth Advisors, a non-investment-related support company. 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, corporations, and institutional clients. The firm’s approach involves non-discretionary planning tailored to client goals, employing risk profiling and analytical tools to support investment decisions.

Gail Plunkett is a financial advisor at Morgan Stanley with 44 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1993. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and model-based analyses within its financial planning process.

Nicholas Amos is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 22 years of experience in the financial services industry. He specializes in serving the unique and complex wealth management needs of entrepreneurs, business professionals, corporations, and retirees. Nicholas and his team employ a Goals-Based Wealth Management approach that centers on clients' individual goals and aspirations, rather than focusing solely on market performance. Nicholas holds a Bachelor's Degree from Ohio Northern University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise encompasses areas such as divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and individual and corporate investment strategy. Based in Springboro, Ohio, Nicholas lives with his wife and two daughters. In his spare time, he enjoys golf, physical fitness, basketball, fishing, traveling, and spending time with his family.

Logan Myers is a CFP® with four years of industry experience, currently serving as a financial advisor at Raymond James Financial in Dayton, Ohio. He previously worked at UBS Financial Services for five years and has held various roles in financial services and education. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized services in municipal finance and retirement plan consulting.

Michael Borchers is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry for over 20 years and has been with Merrill for more than 10 years. Michael focuses on building highly personalized relationships with his clients, aiming to be included in important family conversations and consulted during life-changing events to provide a disciplined, customized financial strategy. Before joining Merrill in 2014, Michael was an Executive Director at another financial institution where he worked for 14 years in various roles. His areas of expertise include college education planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and socially responsible, values-based, and ESG investing. Michael holds the Chartered Financial Analyst (CFA) designation and is a Personal Investment Advisor (PIA). Michael earned his Bachelor's degree in business administration from the University of Dayton and his Master of Business Administration (MBA) from Capital University. He volunteers with Shoes for the Shoeless, an organization that provides shoes and socks to children in the Dayton area. Michael resides in Kettering with his wife and daughter and enjoys activities such as running, golf, hiking, and fishing.

Phillip Johnson is a financial advisor with Primerica Advisors in Centerville, OH, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001 and has worked at Miami University since 2017. In addition to advisory services, he is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which features model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and utilizes a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Eric Klaes is a financial advisor with Charles Schwab in Vandalia, Ohio, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He has worked within several Charles Schwab entities since 2014, including Schwab Private Client Investment Advisors and multiple Schwab bank affiliates. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.