Albert Chavez is a financial advisor at Morgan Stanley in Cincinnati, OH, with 19 years of industry experience. He has been with Morgan Stanley since 2016 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes the use of firm-approved tools and modeling techniques.

Kyle Merk is a financial advisor with Morgan Stanley in Cincinnati, Ohio, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at Fidelity, Invest Financial Corporation, Touchstone Securities, and Morgan Stanley Private Bank. Outside of his advisory work, he serves as a board member for the Midwest Rugby Development Foundation, a youth sports nonprofit in Cincinnati. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm‑approved tools and market scenario modeling.

John Kuntz Jr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 50 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 1994. 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 portfolios, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Steven Papakirk is a financial advisor at Ameriprise with 38 years of industry experience. He has previously worked at Wells Fargo Clearing and Citigroup Global Markets. Outside of his advisory role, Papakirk serves on the board of the Ahepa-Buckeye Scholarship Foundation and is involved with the Order of Ahepa’s charitable activities. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Richard Beckert is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is the founder and strategic leader of The Beckert Wealth Management Group, serving a select group of clients by designing strategies tailored to their unique circumstances. He has been in the investment business since 1987 and has built a team that emphasizes intellectual rigor, in-depth customization, and committed service. Richard's expertise includes retirement plans, investment planning, and wealth transfer. He focuses on helping high-earning professionals and consultants consolidate and sustain their wealth through personalized financial planning, portfolio management, and small business strategies. His client focus areas include college education planning, family wealth management strategies, managing new wealth, portfolio management services, and small business strategies. He holds a Bachelor's Degree from the University of Cincinnati and has earned the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. In addition to his professional work, Richard and his team are involved in community activities, volunteering and fundraising for organizations such as City Gospel Mission, the Free Store, Salvation Army, and YMCA. His personal interests include basketball, cooking, gardening, golfing, reading, and running.

Mary Bosway is a Series 66-licensed financial advisor with 25 years of industry experience. She currently works at RBC Capital Markets and has previously held positions at Morgan Stanley, GWFS Equities, Inc., and Bb&T in various capacities. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs with customizable portfolio management and integrates both in-house and third-party investment managers to implement client strategies.

Darrell Masters is a CFP®-credentialed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2005. He has 35 years of industry experience, including five years at Osaic FA, Inc. Masters is also an owner and partner at Kenwood Financial Group in Cincinnati, OH. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages assets across multiple platforms and custodians and provides both discretionary and non-discretionary management, including proprietary model strategies under the Founders Gate Capital brand.

Jacob Lilly is a Planning Consultant at Fidelity Investments, a position he has held since 2024. He has progressed through multiple roles within Fidelity since 2020, including Investment Solutions 3, Workplace Planning Consultant levels 1 and 2, Workplace Planning Associate, and Financial Customer Associate. In his role, Jacob partners with clients to co-create financial plans that address both their long- and short-term goals. Jacob holds insurance licenses in Arkansas and California. Outside of his professional work, he enjoys football, golf, motorcycles, outdoor adventures, reading, and volunteering.

Emily Frank is a financial advisor at UBS Financial Services with a Series 66 designation and three years of industry experience. Her prior work includes roles at Fidelity Investments and an entrepreneurial venture operating an online digital products shop. Emily also has experience with various organizations, including Green Beagle Lodge and MedSend. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans according to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Cynthia Armstrong is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds the Series 66 designation and has previously worked at Raymond James & Associates Inc. and Merrill. Armstrong served on the Avon Board of Education from 2011 to 2019. 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 includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Chelsea Nichols is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2013, with a two-year tenure at Merrill in between. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to support its financial planning process.

Michelle Ward is a financial advisor at Morgan Stanley in Cincinnati, OH, holding a Series 66 designation with seven years of industry experience. Her prior roles include positions at Cox Media Group-WHIO Channel 7 and The Reynolds and Reynolds Company. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning. The firm uses a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Mark Mansur is a financial advisor at Thrivent Investment Management with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Thrivent since 2019. His prior experience includes roles at Allstate Insurance Company, Retirement Resources, LLP, Integrity Wealth & Financial, LLC, Nylife Securities LLC, and New York Life. Thrivent Investment Management delivers Dedicated Planning Services to individuals, families, businesses, and nonprofits, focusing on holistic, goal-based analyses across a broad range of financial planning topics. The firm offers both one-time and ongoing planning relationships and integrates planning with managed-account programs while keeping these services separate.

Michael Lavatori is a financial advisor with LPL Financial and holds a Series 63 license. He has 33 years of industry experience, including 15 years at LPL Financial and over two decades at LCNB National Bank. 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, including access to model portfolios, third-party asset managers, and institutional platforms.

Michael Fritz is a financial advisor with Robert W. Baird & Co. in Ft Wright, KY, holding a Series 66 designation and bringing 17 years of industry experience. He has been with Robert W. Baird since 2008. Fritz serves on the investment committees of the Dorothy Wood Foundation and the Brain Injury Alliance of Northern Kentucky and is involved in several family and charitable LLCs. He is part of the DDK Group within Robert W. Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and nonprofit organizations. The group provides customized financial planning and portfolio management services, utilizing a range of investment strategies and both in-house and third-party managers.

Breanne Bovara is a financial advisor with LPL Financial in Cincinnati, OH, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at Fifth Third Bank and Fifth Third Securities spanning from 2015 to 2025. She is also involved with Moto Wealth Partners in a non-investment capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, institutions, and retirement plan participants. The firm offers a range of financial planning and investment solutions, including model portfolios and third-party asset management, supported by extensive operational and research tools.

Kyle Jones is a financial advisor with Primerica Advisors in Cincinnati, OH, holding a Series 63 designation and five years of industry experience. His career includes roles at Brubaker Grain Inc., Carter Lumber, and Better Homes and Gardens Big Hill. Outside of his advisory work, Jones is active as a real estate agent with Exp Realty, handling residential property transactions. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven investment strategies managed by unaffiliated asset managers, supported by third-party custodians and overlay management.

David Kopser is a financial advisor with Morgan Stanley in Cincinnati, OH, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has worked at Morgan Stanley since 2009, including a role with Morgan Stanley Private Bank since 2015, and previously spent 10 years at Citigroup Global Markets. Outside of his advisory role, he is involved with a family partnership focused on farming and livestock. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Nathan Young is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and four years of industry experience. He has worked at Cambridge Investment Research since 2021 and previously held roles at Somerville & Co and several other firms. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional clients such as pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of Financial Professionals.

Antonella Hudson is a financial advisor with UBS Financial Services in Cincinnati, Ohio, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. Her career includes prior roles at Merrill and Fidelity Investments. She participates in community service through the Junior League of Cincinnati. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm operates as a broker-dealer, investment adviser, and futures commission merchant, integrating institutional trading capabilities with wealth management services.