Steven Bays is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2020. In his capacity, he works with individuals and families to identify and assess risks and opportunities, aiming to align financial strategies with clients' goals and preferences. Prior to this role, he has held various positions at Fidelity Investments since 2015, including Financial Consultant, Investment Consultant, and Investment Solutions Representative. His experience also includes serving as a Senior Sales Representative at Western and Southern Financial Group from 2013 to 2015. Throughout his career, Steven has focused on understanding client preferences to tailor financial solutions that meet their specific needs. Outside of his professional work, he engages in family activities and pursues interests in fitness, football, golf, and music.

James Connor II is a financial advisor with LPL Financial in Fairfield, Ohio, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He previously worked at INVEST Financial Corp. for six years before joining LPL Financial in 2018. Outside of his advisory role, he serves as president of Tri-County Assurance Agency, Inc., a general insurance agency. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting through its extensive network of investment adviser representatives.

Kevin Shank is a financial advisor at Primerica Advisors with 28 years of industry experience. He has been with Primerica Financial Services since 1993 and Primerica Advisors since 2007. Outside of his advisory role, he owns H + S One Enterprise, which is involved in low-income housing and housing rehabilitation investments. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses an independent due-diligence consultant to evaluate asset managers and employs a tiered wrap-fee structure while maintaining oversight of its curated third-party investment models.

Marsha Conley is a financial advisor with Merrill, holding a Series 66 designation and 25 years of industry experience. She has been with Merrill since 1988. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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, OH, holding Series 63 and Series 66 designations and possessing 17 years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at Touchstone Securities, Inc. and IFS Financial Services from 2019 to 2024, and has experience in other financial and business roles. He serves as a board member for the Midwest Rugby Development Foundation, a nonprofit focused on youth sports. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment modeling to support its advisory services, serving clients through various financial planning and investment strategies.

Steven Papakirk is a financial advisor at Ameriprise with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Ameriprise since 2019, following prior roles at Wells Fargo Advisors and Wells Fargo Clearing. He serves on the Board of Directors for the Ahepa-Buckeye Scholarship Foundation and is involved with the Order of Ahepa charitable organization, including a role as District Governor for Buckeye District #11. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Casey Rains is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities since 2014. He holds Series 63 and Series 66 licenses and is based in Mason, OH. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Sharon Harrison is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and having 23 years of industry experience. She has been with Cambridge Investment Research Advisors since 2011. In addition to her advisory role, Harrison is also an independent insurance agent specializing in life insurance. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse clientele including individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals using a variety of portfolio management and platform solutions.

Richard Beckert is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the investment business since 1987 and founded The Beckert Wealth Management Group. Richard works with a select group of clients, including small businesses, individuals, and families, to design strategies tailored to their unique financial situations. His expertise includes college education planning, family wealth management strategies, managing new wealth, portfolio management services, and small business strategies. Richard holds a Bachelor's Degree from the University of Cincinnati and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He emphasizes a commitment to building strong relationships with clients and helping them make important financial decisions. His approach includes reviewing and optimizing retirement plans, wealth transfer strategies, and investment planning. He is actively involved in community organizations such as the City Gospel Mission, Free Store, Salvation Army, and YMCA. Richard's personal interests include basketball, cooking, gardening, golfing, reading, and running.

Robert Phebus is a financial advisor at Edward Jones with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Edward Jones since 2019. Prior to that, he was with Pruco Securities LLC and The Prudential Insurance Company of America from 2013 to 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.

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.

Jason Nelson is a CFP® with 27 years of industry experience, currently an advisor at LPL Financial since 2023. He previously worked at Coordinated Capital Securities, Inc. for 19 years. In addition to his financial advisory work, he is a licensed attorney and co-owner of a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services supported by proprietary and third-party research.

Darrell Masters is a CFP® with 34 years of industry experience, currently serving as an advisor at Cambridge Investment Research Advisors since 2005. He is also the owner and partner of Kenwood Financial Group in Cincinnati, OH. Cambridge Investment Research Advisors is a large SEC-registered firm that serves individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm offers a range of investment solutions through a network of independent professionals, utilizing multiple custody platforms and proprietary as well as third-party strategies.

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 with Morgan Stanley in Cincinnati, OH, holding a Series 66 designation and six years of industry experience. She has worked at Morgan Stanley since 2019 and previously held roles at Cox Media Group and The Reynolds and Reynolds Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and approved tools to model outcomes, with clients responsible for plan implementation and updates.

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 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.