Joseph Kaiser is a financial advisor with Ameriprise in Indianapolis, IN, holding Series 63 and Series 65 credentials and with 41 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns Kaiser & Associates, a legal entity used to manage office administrative expenses. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria, offering written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver tailored retirement-income advice and offers a broad range of advisory, brokerage, and insurance solutions.

Kristin Ash is a financial advisor at Ameriprise in Indianapolis, IN, holding a Series 66 designation. She has been with Ameriprise since 2025, following a year at Globe Life Liberty National. Prior to her career in finance, Ash spent several years as a stay-at-home mom and worked with Color Street. Ameriprise Financial Services is a large firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning with tax-aware withdrawal strategies and collaborative implementation with clients and their advisors.

Andrew Nemetz is a financial advisor at Cetera with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including New York Life Insurance Company, Fisher Investments, Robinhood Financial, and Charles Schwab. Nemetz is based in Indianapolis, IN. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management options, financial planning, and access to third-party managers through a multi-manager platform.

Aaron Hacker is a financial advisor with Morgan Stanley in Indianapolis, IN, holding Series 63 and Series 66 licenses and 10 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2018 and previously at Charles Schwab from 2014 to 2017. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models, serving approximately $2.74 trillion in client assets.

Justin Flatter is a financial advisor with Ameriprise in Indianapolis, IN, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with Ameriprise and its affiliate firms since 2016. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies. The firm’s retirement income recommendations are supported by internal research and collaborative analysis, with a selective enrollment process based on investable assets and Ameriprise managed account participation.

Kristen Highfield is a financial advisor with Ameriprise in Carmel, Indiana, holding a Series 63 designation and 33 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, delivering tailored recommendation reports focused on income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis within a large institutional framework offering a broad range of advisory, brokerage, and insurance solutions.

Thomas McCarthy is an Investment Consultant who partners with clients to understand their unique needs and help formulate holistic financial plans aligned with their preferences and suitability to keep them on course for their financial goals. He currently serves as an Investment Solutions Representative at Fidelity Investments since 2022. Prior to this, he worked at Fidelity Investments as a High Net Worth Associate from 2021 to 2022, at JP Morgan Chase as a Private Client Banker from 2020 to 2021, and at Charles Schwab & Co. as a Financial Services Professional from 2018 to 2020.

Donna Perkey is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. Based in Indianapolis, IN, she focuses on institutional consulting services. J.P. Morgan Securities provides institutional consulting to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and quantitative and qualitative research.

Tosin Ratchford is a financial advisor at Fidelity with 20 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2010, including roles at Fidelity Personal and Workplace Advisors. His prior experience includes positions at Chase Investment Services Corp. and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it serves as an adviser to multiple registered investment companies and fund-of-funds.

Melinda Kean is a financial advisor with Raymond James Financial, holding a Series 63 designation and bringing 29 years of industry experience. She previously worked at Morgan Stanley for 18 years before joining Raymond James and Stonecrest Group in 2020. Melinda is also an Associate and Client Services Director at Stonecrest Group, a support company based in Indianapolis. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary advice using analytical tools and supports its clients through a broad network with specialized programs in municipal finance and SIMPLE IRA advisory services.

Sedric Banks is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at American Funds, Envista, and Indy Management Firm. Outside of his advisory work, Banks is involved in non-investment ventures including creating apparel through Judah Warriors LLC and producing gospel music under the artist name Young King Banks. 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, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Warren Steinborn is a financial advisor at OSAIC with 54 years of industry experience and holds a Series 66 credential. His career includes prior roles at Sagepoint Financial, Inc., and long-standing leadership positions at W.S.A Inc. III and Warren Steinborn Associates. Outside of his advisory work, he is a partner in National Partners Group, which focuses on fixed insurance sales. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services that emphasize model-based asset allocation, portfolio optimization, and access to a range of investment programs and third-party money managers.

Aaron Krider is a Series 66-registered advisor with J.P. Morgan Securities in Indianapolis, IN. He has held positions at JPMorgan Chase Bank, N.A. since 2025 and previously worked in hospitality and accounting firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process includes centralized due diligence supported by quantitative and qualitative research and incorporates ESG criteria in eligible strategies.

Katie Kern is a financial advisor with Equitable Advisors, holding a Series 66 designation and five years of industry experience. She has been with Equitable and its affiliates since 2019 and has prior work experience at TMC Transportation and Rinehart Farm, LLC. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach involves assessing client risk tolerance and matching clients to program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

David Waite Jr. is a financial advisor with LPL Financial based in Indianapolis, IN, holding Series 63 and Series 65 credentials and over 23 years of industry experience. He previously worked at Equity Services, Inc. for 17 years and has been associated with National Life of Vermont since 2002. His other business activities include serving as a non-variable insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors and incorporates technology tools to support research and operations.

Lance Turner is a financial advisor with Raymond James & Associates in Carmel, IN, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Raymond James since 2005 and previously worked for J.J.B. Hilliard, W.L. Lyons, LLC from 1999 to 2005. Turner is also a partner in First Heartland Wealth Management LLC, a non-investment-related business. 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 and non-discretionary investment consulting supported by in-house research and a range of portfolio management styles.

John Murphy is a financial advisor with Fidelity in Indianapolis, IN, holding Series 66 and Series 63 licenses and bringing 11 years of industry experience. His prior roles include positions at Alphastar Capital Management, The Assurance Group, and Bankers Life. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering disciplined portfolio construction through a blend of fundamental research, quantitative analysis, and systematic methodologies. The firm is notable for its advisory roles to registered investment companies, use of algorithmic and AI-driven research, and its model portfolio delivery to intermediary platforms.

Kevin Mc Mullen is a financial advisor with Merrill in Indianapolis, IN, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has worked at Merrill since 1994 and also at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as treasurer for a homeowners association and volunteers as a committee member involved in budget and investment review at Our Lady of Mount Carmel Catholic Church. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Larry Neal is a Certified Financial Planner (CFP®) and holds a Series 66 license with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies supported by a large network of financial advisors and branch offices nationwide.

Michael Piechocki is a financial advisor at Cetera with over 23 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Cetera and Voya Financial Advisors. Outside of his advisory work, he serves as secretary of a fraternal lodge involved in fundraising activities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, with access to both affiliated and third-party managers.