Stephen Renie is a Wealth Management Advisor with extensive experience in the financial services industry. He holds the position of Senior Vice President and has dedicated over three decades to serving both high net worth individuals and institutional clients, including corporate 401(k) plans. Stephen and his team have been recognized on Forbes' "Best-in-State Wealth Management Teams" list for the years 2023 and 2024. Their work encompasses the use of Merrill's Goals-Based Wealth Management process, along with offering guidance on insurance planning, debt management, and comprehensive wealth management strategies that include investment insights, fiduciary services, and banking solutions through Bank of America. Stephen began his career following his 1990 graduation summa cum laude from Ohio University with a double major in Finance and Economics. He holds several professional designations, including the Certified Investment Management Analyst (CIMA) from the Investments and Wealth Institute in conjunction with Yale School of Management, the Certified 401(k) Professional (C(k)P) from The Retirement Advisor University in conjunction with UCLA Anderson School of Management, and the Merrill designation of Senior Retirement Benefits Consultant (SRBC). His expertise also covers retirement plan consulting services for employers across the country, assisting them in fulfilling fiduciary duties through services like investment policy statement drafting, plan design, and education. Residing in Terrace Park, Cincinnati, Stephen and his wife have a combined six children and are actively involved in coaching youth sports and supporting various charities. Stephen's personal interests include basketball, biking, football, golfing, skiing, family time, and traveling.

Ryan Chamberlin is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 20 years of experience in finance, focusing on transforming complex financial landscapes into clear, goal-oriented strategies. Ryan partners with clients to provide transparent advice and strategic guidance, helping them navigate life's major financial complexities and deliver lasting legacies. His expertise spans corporate executive services, executive compensation, services for defined benefit plans, legacy planning, personal retirement planning, philanthropic planning, portfolio management, small business strategies, individual and corporate investment strategies, and tax minimization. Ryan's approach emphasizes comprehensive retirement strategies, tax-efficient oversight, and estate coordination to meet clients' most important financial goals. Ryan holds a Bachelor's Degree from Shawnee State University and is a Personal Investment Advisor (PIA). Outside of his professional work, he enjoys baseball, camping, fishing, football, golfing, hiking, pickleball, spending time with his family, traveling, and woodworking.

Rachel Auxier is a financial advisor at Fidelity with 19 years of industry experience. She holds Series 63 and Series 65 designations and has been with Fidelity Investments since 2006, including roles at Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, using a blend of proprietary fundamental research and quantitative analysis. The firm is notable for its use of algorithmic portfolio construction, delegation to sub-advisers, and formal advisory roles to multiple registered investment companies.

Katlin Sprague is a financial advisor with J.P. Morgan Securities in Cincinnati, OH, holding Series 63 and Series 65 credentials and 14 years of industry experience. She has been with JPMorgan Chase and J.P. Morgan Securities since 2012. Outside of her advisory role, she serves as a board member and finance committee member for the nonprofit Keep Cincinnati Beautiful, which focuses on community cleanup and environmental workforce development. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Allison Puchala is a financial advisor at J.P. Morgan Securities with a Series 66 designation and over 14 years of industry experience. Her prior roles include positions at Bank of America and PNC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Roderick Gosa is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Ameriprise and its affiliate since 1998. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and annual planning advice focused on dependable income and tax-aware withdrawal strategies.

Richard Payne II is a financial advisor with UBS Financial Services in Cincinnati, OH, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm integrates proprietary capital market assumptions, model-based asset allocations, and global research to tailor financial plans and portfolio management to client goals and risk tolerances.

Jacob Lackner is a financial advisor with Wells Fargo Clearing in Cincinnati, OH, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors from 2014 to 2016. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Megan Sarnecki is a financial advisor at Fidelity with 10 years of industry experience. She holds the Series 66 and Series 63 designations and has worked across several Fidelity entities, including Fidelity Brokerage Services, FIDELITY Personal and Workplace Advisors, and Fidelity Investments. She is also affiliated with Ferris State University. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including advisory for registered investment companies and charitable funds. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and employs formal governance procedures and oversight controls in its investment process.

Frank Trotta is a financial advisor with Ameriprise in Cleves, Ohio, holding a Series 66 designation and two years of industry experience. He has worked with Ameriprise and its affiliates since 2020 and previously spent eight years at First Financial Bank. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing comprehensive written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored retirement income plans, supported by a centralized consulting team and algorithmic tools.

Paul Redden is a financial advisor with Merrill based in Cincinnati, OH, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Prior to joining Merrill in 2020, he worked at Nuveen Asset Management and Nuveen Investments from 2008 to 2020. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates its services into Bank of America’s broader platform, enabling access to a wide variety of products and additional services.

Peter Mccolgan is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing Services LLC since 2018, following nine years at UBS Financial Services Inc. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joseph Kuethe is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 63 designation and has 29 years of industry experience. Prior to joining Raymond James in 2021, he spent 22 years at Edward Jones. Kuethe is a 25% owner of Ascension Partners, LLC, a support company assisting satellite offices. Raymond James Financial Services Advisors, Inc. serves a wide range of clients including individual investors, high-net-worth individuals, pension plans, and municipalities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through detailed client interviews and risk profiling.

Ted Lucien is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and previously with Morgan Stanley Smith Barney and Citigroup Global Markets. Outside of his advisory role, he is involved in lending activities in Cincinnati, Ohio. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a broad range of investment services, including private funds and structured-product activities.

William Mccarthy is a financial advisor with UBS Financial Services in Cincinnati, OH, holding a Series 66 designation and 23 years of industry experience. He has been with UBS Financial Services Inc. since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor investment strategies to clients’ goals and risk tolerances.

Stephen Ashworth is a financial advisor with Morgan Stanley in Cincinnati, OH, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley since 2013 and at Morgan Stanley Private Bank, N.A. since 2015. 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 that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research to help clients with their financial goals.

Benjamin Zureick is a financial advisor with Ameriprise in Cincinnati, OH, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His career includes six years at Fidelity and multiple roles within Ameriprise since 2017. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to create personalized Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Tara Koob is a financial advisor with Primerica Advisors in Cincinnati, OH, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica, she worked at Trane and studied at The Ohio State University. Outside of her advisory role, she is a partner in several non-investment related LLCs based in Mason, Ohio. Primerica Advisors is a large firm serving primarily individual investors through a wrap-fee asset management program that uses model-driven strategies managed by unaffiliated asset managers. The firm supports nearly 3,700 advisors and manages approximately $15.5 billion in assets.

Jonathan Weber is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He has held roles at Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2015 to 2016. He holds the Series 66 designation and is based in Cincinnati, OH. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options including discretionary management and a range of financial products like insurance-related vehicles and bank deposit sweep programs.

Jill Salzarulo is a Wealth Management Planning Consultant at Fidelity Investments, specializing in supporting high net worth clients. She has held various roles within Fidelity Investments since 2021, including Planning Consultant, Relationship Manager, Stock Plan Consultant, Stock Plan Associate, and Customer Relationship Advocate. This progression reflects her comprehensive experience in client relationship management and financial planning within the wealth management sector. Her professional journey at Fidelity Investments has equipped her with expertise in financial planning and client services tailored to meet the needs of high net worth individuals. Outside of her work, Jill has interests in art, the beach, social events with friends, movies, theater, and yoga.