James Creech is a CFP® with 23 years of industry experience, currently serving at Silver Oak Securities, Incorporated since 2022. His prior roles include positions at Invest Capital Partners and Ameriprise Financial Services, Inc. He is active in community organizations, holding leadership roles such as Vice President of the Miami Valley Military Affairs Association and the All Inclusive Senior Services networking group. Silver Oak Securities provides advisory services to individuals, families, corporations, retirement plans, and charitable organizations, managing over $2 billion in discretionary assets. The firm delivers personalized portfolio management and financial planning through a combination of internal and third-party strategies, serving clients with tailored investment solutions across multiple asset classes.

Stuart Brazie is a financial advisor at Westminster Financial Advisory Corp with 32 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Westminster Financial Securities since 2016. His prior experience includes roles at KMS Financial Services, Inc and Whitehall Financial Services. Outside of advising, he is licensed as an insurance agent, focusing on long-term care, SPDA, term, and other insurance products. 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 emphasizes diversified, multi-asset class portfolios with a buy-and-hold approach supplemented by tactical overlays and cyclical analysis.

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.

Christina Derham is a financial advisor at Waverly Advisors, LLC with eight years of industry experience. She holds a Series 66 designation and has worked in advisory roles at UBS Financial Services and Buckingham Advisors prior to joining Waverly Advisors. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individual and institutional clients, including retirement plans and pooled investment vehicles. The firm combines traditional equity and fixed-income strategies with alternative and private-market allocations, offering both discretionary and non-discretionary portfolio management services.

James Brown is a CFA charterholder currently with Waverly Advisors, LLC, where he has worked since 2024. He has three years of industry experience, including prior roles at Buckingham Advisors and Apex Capital Management/Fiera Capital. Outside of his advisory work, he is co-owner of Fourth Avenue LLC, a music entertainment business, and serves as Investment Committee Chair for the CFA Society Dayton. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individuals, retirement plans, and pooled investment vehicles. The firm integrates traditional equity and fixed-income strategies with alternative and private-market allocations and offers both discretionary and non-discretionary portfolio management.

Nicole Strbich is a CFP® professional at Waverly Advisors, LLC with 12 years of industry experience. She previously worked for Buckingham Financial Group, Inc. for 13 years before joining Waverly Advisors. Nicole is based in Dayton, OH. Waverly Advisors is a multi-team registered investment adviser serving individuals, retirement plans, and pooled investment vehicles. The firm integrates traditional equity and fixed-income strategies with alternative and private-market allocations and offers a range of services including investment management, financial planning, and multi-family office solutions.

Moustapha Mounah is a financial advisor with Westminster Financial Advisory Corp in Beavercreek, OH, holding the CFA® designation and Series 66 license. He has three years of industry experience, including prior roles at ALPS Distributors, Inc., James Investment Research, Inc., Cradle North America, and Wright State University. Westminster Financial Advisory Corporation provides investment supervisory services and general investment advice to individuals, families, trusts, charitable organizations, small businesses, and retirement plans. The firm’s investment approach emphasizes diversified, multi‑asset class allocation with a buy‑and‑hold strategy complemented by tactical overlays and cyclical analysis.

Lance Steiner is a CFP® with eight years of industry experience. He has worked at Waverly Advisors, LLC since 2024 and previously spent 12 years at Buckingham & Company. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individuals, retirement plans, and pooled investment vehicles. The firm integrates traditional equity and fixed-income strategies with alternative and private-market allocations, serving both high-net-worth and non-high-net-worth clients.

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 32 years of industry experience. He has been with ValMark Advisers since 2006 and has prior experience with Valmark Securities. Outside of his advisory work, Morris is the chapter president of the American Financial Education Alliance, where he teaches financial education courses, and he is the author of "The Secure Future Advisor Book," which focuses on tax planning and retirement strategies. He also owns Good Steward Farms, LLC, a business that breeds miniature donkeys. ValMark Advisers provides investment management, financial planning, and retirement plan advisory services through a network of approximately 280 representatives. The firm offers diversified, goal-based model portfolios primarily using mutual funds, ETFs, and third-party managers, and supports its advisors with due diligence, back-office services, and a range of proprietary and third-party investment platforms.

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.

Gerald Krach is a financial advisor with Waverly Advisors, LLC, holding Series 63 and Series 65 credentials and 21 years of industry experience. He previously spent 20 years with Buckingham Capital Management, Inc. In addition to his advisory role, he is a partner at Dayton Tax & Accounting Certified Public Accountants and serves on the University of Dayton Planning Giving Counsel. Waverly Advisors is a multi-team registered investment adviser serving individuals, retirement plans, and pooled investment vehicles. The firm combines traditional equity and fixed-income strategies with alternative and private-market allocations and offers a range of investment management, financial planning, and multi-family office services.

Edward Kapfhammer Jr. is a financial advisor with Spire Wealth Management, LLC, holding a Series 66 designation and seven years of industry experience. He previously worked at Spire Securities, Graphic Packaging International, and National Carton and Coating Co. Outside of advisory services, he operates a business owning ATM machines and manages accounting for Spire-related business activities. Spire Wealth Management provides investment advisory services to individuals, corporations, trusts, and retirement plans, employing a range of strategies including passive, active, and hybrid tax-aware allocations. The firm offers financial planning, manager-of-managers programs, and access to various model portfolios, with certain strategies managed through proprietary risk overlays and affiliate partnerships.

Jeff Groezinger is a financial advisor with Waverly Advisors, LLC, holding the PFS™ designation and Series 63 and 65 licenses. He has 21 years of industry experience, including a 20-year tenure at Buckingham Capital Management, Inc. Outside of advisory work, he serves as president of Groezinger Golf Enterprises, Inc. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individual clients, retirement plans, and pooled investment vehicles. The firm employs a range of strategies blending traditional equity and fixed income with alternative and private-market allocations, serving clients through discretionary and non-discretionary management.

Steven Jacobs is a financial advisor at HBW Advisory Services LLC in Springfield, OH, with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at HBW Advisory Services since 2019, with prior experience at Cetera Advisor Networks, HBW Securities LLC, and HBW Partners. Jacobs also works as an insurance agent selling life, annuities, and long-term care products. HBW Advisory Services manages approximately $1.75 billion in client assets and serves individuals, families, charitable organizations, businesses, and retirement plans. The firm uses a blended investment approach involving third-party money managers, multi-manager diversification, and tactical asset allocation, and offers sub-advisory and co-advisory services along with online wrap-fee portfolio options and retirement-plan subscription services.

Steven Allread is a financial advisor with Prospera Financial Services, Inc. in Dayton, OH, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining Prospera in 2025, he worked for Cutter & Company, Inc. for 16 years. Outside of his advisory role, he is involved with SJ Wolfe Investments, Inc., where he serves as a financial advisor and trader. Prospera Financial Services, Inc. is an enterprise-scale adviser and dually registered broker-dealer managing approximately $12.4 billion across 207 advisors and 140 offices. The firm serves a diverse client base including individuals, corporate and charitable entities, and retirement plans, offering investment advisory and financial planning services through various platforms and customizable portfolio solutions.

Emily Cozad is a financial advisor at Waverly Advisors, LLC with five years of industry experience. She holds a Series 65 designation and previously worked at Buckingham & Company for six years. Emily’s background includes roles at Wright Patterson Air Force Base and Wright State University. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individuals, retirement plans, and pooled investment vehicles. The firm offers a blend of traditional and alternative investment strategies, financial planning, and multi-family office services, serving both non‑HNW and high net worth clients.

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.

Bradley Griffith is a CFP® with 11 years of industry experience. He currently works at Waverly Advisors, LLC and previously held roles at Buckingham & Company and Ameriprise Financial Services, Inc. Waverly Advisors is a multi-team registered investment adviser serving individuals, retirement plans, and pooled investment vehicles. The firm offers discretionary and non-discretionary portfolio management that combines traditional equity and fixed-income strategies with alternative and private-market allocations.