John Spinetto is a financial advisor at Ameriprise in Louisville, KY, holding Series 63 and Series 65 licenses with one year of industry experience. His prior roles include positions at Pruco Securities LLC and DPL Financial Partners, along with various engagements at Indiana University. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm delivers these services through a centralized consulting team using a combination of research, modeling, and algorithmic tools alongside personalized advisor input.

Pamela Tobbe is a financial advisor at Morgan Stanley with 38 years of industry experience. Her prior roles include tenures at Wells Fargo Advisors LLC and Wells Fargo Clearing, as well as previous periods at Morgan Stanley and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery and firm-approved tools.

Robert Fischvogt is a Series 66-credentialed financial advisor with over 21 years of industry experience. He is currently with LPL Financial and has previously worked at Cuna Brokerage Services, Inc. and Centra Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment solutions including model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and oversight of substantial discretionary assets.

Aubrey King is a financial advisor at Robert W. Baird & Co. in Louisville, KY, holding a Series 66 designation with seven years of experience. Prior to joining Baird, he worked at Hilliard Lyons for six years. He is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of strategies from traditional equity and fixed-income to more complex and non-traditional investments.

Michael Durham is a financial advisor with LPL Financial in Louisville, KY, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked with LPL Financial since 2007 and previously spent four years with Ameriprise. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining extensive advisory services with a broad range of financial products and partnerships.

Justin Skaggs is a financial advisor at Merrill with 10 years of industry experience. He holds Series 66 and Series 63 designations and has been with Merrill and Bank of America since 2016. Outside of finance, he serves as a district manager overseeing five full-service restaurants with Trinity Restaurant Group. Merrill, in conjunction with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Matthew Dilbeck is a financial advisor at Robert Baird & Co. in Louisville, KY, with three years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Atria Senior Living, World-Kinect Energy Group, and The Vanguard Group, Inc. Robert Baird & Co.’s DDK Group serves individual and institutional clients, including high net worth individuals, corporate and business entities, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services such as financial planning, portfolio management through separately managed accounts, and utilizes both internal research and external partnerships in delivering advisory solutions.

Sarah Billups is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has held prior roles at PNC Investments and PNC Bank. Her work history also includes positions in the food and beverage industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning incorporates structured discovery and firm-approved tools, with a broad range of retail and institutional offerings.

Victor Lancaster Jr. is a Series 66-registered financial advisor with 18 years of industry experience. He has been with LPL Financial since 2018 and previously worked at Invest Financial Corporation, Touchstone Advisors Inc, and J.J.B. Hilliard, W.L. Lyons, LLC. Outside of his advisory role, he is the owner of Pinnacle Designs, LLC, a business unrelated to investment services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, utilizing technology and a broad platform to support its network of over 22,800 advisors.

Mary Blanton is a financial advisor at Wells Fargo Clearing with 46 years of industry experience. She holds the Series 63 designation and has been with Wells Fargo in various capacities since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Anthony Semak is a financial advisor with Raymond James & Associates in Louisville, KY, holding the CFA® designation and Series 63 and 66 licenses. He has seven years of industry experience, including prior roles at Fifth Third Bank, Charah Solutions, Inc., and a long tenure at Invesco Ltd. Semak serves as Chair of the Endowment Investment Oversight Committee and Board Member for the National Center for Families Learning, providing investment guidance for the nonprofit's endowment funds. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning and consulting services supported by a range of portfolio management styles and affiliated research.

Dominick Occhiato is a financial advisor with Robert Baird & Co. in Louisville, KY, holding a Series 66 designation and nine years of industry experience. He has worked at Robert Baird & Co. since 2019 and previously at Hilliard Lyons. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of strategies from traditional to complex allocations, including discretionary and non-discretionary management.

Mollie L. H. Brennan is a Wealth Management Advisor with Merrill Lynch Wealth Management, having joined Merrill as a Financial Advisor in 1994. She holds the Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA) designations. Mollie studied at the University of North Carolina at Chapel Hill and Western Kentucky University, where she earned a Bachelor's degree in Marketing and Economics. Mollie specializes in family wealth management strategies, legacy planning, liquidity management, and women and wealth. She brings extensive experience working with business owners and executives, helping clients navigate complex financial decisions. Mollie is recognized for her attentive listening, transparency, and strategic insights in creating customized financial strategies. She has served as the Senior Resident Director for Merrill's Lexington branch. In addition to her professional work, Mollie is active in her community, having served as Chair of the Children's Charity Fund of the Bluegrass and Chair of Finance and Budget for Calvary Baptist Church. She currently serves on the board of the Baptist Health Foundation. Mollie resides in Lexington with her husband, Buck, and their three children.

Julie Occhiato is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. Her prior roles include positions at Merrill and DCCS LLC. She is based in Louisville, KY. 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Rachel Smith is a financial advisor with Morgan Stanley in Louisville, KY, holding a Series 66 designation and 23 years of industry experience. She has worked at multiple Morgan Stanley entities since 2007 and has been associated with the University of Louisville since 2002. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process.

Christian Stewart is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Bank of America, Chase Bank, PNC Bank, and various educational institutions. Stewart also serves in the United States Army Reserves. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, integrating strategic asset allocation and tax-aware options.

Heather Thompson is a financial advisor with Morgan Stanley in Louisville, KY, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a board member for Free the Innocent, Inc., a humanitarian nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutions, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.

Todd Davidson is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Merrill, and Charles Schwab. Outside of his advisory role, he is an owner and partner of A&L Investments LLC, a business that manages a single-family rental property. J.P. Morgan Securities provides institutional consulting services to clients such as 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, distribution, and investment management capabilities.

Tracy Harper is a Series 66 licensed financial advisor with Morgan Stanley in Louisville, KY, bringing 13 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. from 2019 to 2021 and has been with Morgan Stanley since 2005, including her current tenure starting in 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning and wealth management. The firm employs structured planning tools and advisory processes but does not provide individual security recommendations as part of its standalone planning services.

Amanda Caffee is a financial advisor at Ameriprise in Louisville, KY with nine years of industry experience. She holds a Series 66 designation and has been with Ameriprise since 2015. Outside of her advisory role, she works as a paraplanner and client services assistant for Heick, Hester, Smith & Associates LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that focuses on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach includes asset allocation analysis, adaptive withdrawal strategies, and Social Security claiming options, operating within a product ecosystem influenced by affiliated investment options and distribution arrangements.