David Osterbrock is a CFP® professional affiliated with LPL Financial, bringing 21 years of industry experience. His prior roles include positions at US Bancorp Investments, Waddell & Reed, and various insurance agencies. He also served with the Riverfront East Condo Owners Association and the Behringer Crawford Museum. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions supported by extensive operational and research tools.

Melissa Partin is a financial advisor with Merrill in Fort Mitchell, KY, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Nicholas Guzman is a financial advisor at Charles Schwab with Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at U.S. Bancorp Investments, U.S. Bank, BTFB Agency, and Jackson Hewitt. Outside of his advisory work, he owns a sole proprietorship that provides rental services unrelated to real estate. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Shawn Penrod is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His prior roles include positions at Digital Management LLC and Amazon. He also spent time at Xavier University early in his career. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, serving a diverse client base including registered investment companies and an IRS-qualified Charitable Gift Fund.

Patrick West is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to his current role, he has held various positions including community and educational roles, and he also officiates youth soccer games in the Greater Cincinnati area. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to both retail and institutional clients, utilizing proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in their investment process.

Heather Tenney is a Planning Consultant at Fidelity Investments. She has held various roles within Fidelity since 2022, including Relationship Manager, Investment Solutions Representative I, and Customer Relationship Advocate. Her current position involves helping clients understand the financial landscape through personalized planning tailored to their unique lives and values. In her professional capacity, Heather focuses on enabling clients to build financial confidence by providing the necessary tools and understanding. She emphasizes the importance of developing long-lasting relationships founded on trust and exceptional client service. Outside of her professional role, Heather's personal interests include camping, kayaking, photography, reading, traveling, and writing.

Jack Mchugh is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. His prior work includes roles at Chick-fil-A, Fifth Third Private Bank, Cincinnati Insurance Companies, and the University of Cincinnati College of Engineering and Applied Science. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also has unique roles in commodity pool operations and fund governance within the institutional investment landscape.

Andrew Byrne is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity since 2019, progressing through various positions including Financial Consultant I, Investment Solutions Representative III, Investment Consultant, Fixed Income Specialist, and Investment Solutions Representative. His professional experience encompasses a broad range of investment and consulting roles within Fidelity. Andrew holds insurance licenses in Arkansas and California, supporting his work in financial consulting. He focuses on understanding clients' priorities and goals beyond retirement, working collaboratively to develop plans that align with their aspirations by utilizing Fidelity's technology and research. Outside of his professional work, Andrew has interests in baseball, beach activities, football, movies, soccer, and traveling.

Michael Bambach is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 1995, holding various roles including Financial Consultant, Income Planning Consultant, Investment Consultant, and Mutual Fund Service. With over 30 years of experience at Fidelity, Michael focuses on creating effective financial plans tailored to clients' goals, objectives, and risk tolerance. His expertise includes retirement planning, producing regular income, tax-efficient investing, asset preservation, investment strategies, and portfolio asset allocation reviews. Michael holds insurance licenses in Arkansas and California. Outside of work, he enjoys biking, fishing, hiking, kayaking, photography, and skiing.

Lisa Wagner is a financial advisor at Edward Jones with 12 years of industry experience. She holds Series 66 and Series 63 registrations. Prior to joining Edward Jones in 2023, Wagner worked eight years at Concourse Financial Group Securities and nine years at Protective Life. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, and manages approximately $1.01 trillion in assets under management.

Nicholas Rice is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 66 and Series 63 designations and has been with Fidelity Investments since 2013, including prior roles at Fidelity Personal and Workplace Advisors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, with a distinctive focus on systematic methodologies and formal advisory roles to multiple registered investment companies.

Brian Cobb is a Wealth Management Planning Consultant at Fidelity's Private Wealth Management. In this role, he collaborates with four different practices across the New York, New Jersey, and Philadelphia area to develop customized investment plans tailored to clients' goals while ensuring a high level of customer service. Brian has been with Fidelity Investments since 2011, holding several positions including Director - Relationship Officer from 2011 to 2015, Vice President - Executive Planning Consultant from 2015 to 2016, and Wealth Management Relationship Manager from 2017 to the present. His experience spans various facets of wealth management and client relationship management. Outside of his professional work, Brian's personal interests include cars, concerts, fitness, golf, hiking, and traveling.

Vincent Meiman is an Executive Planning Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2013, progressing through various roles including Benefits and Planning Consultant, Workplace Planning & Guidance Consultant II, Workplace Planning and Guidance Consultant I, and Financial Associate II. In his professional approach, Vincent emphasizes listening closely to clients to understand their individual goals and maintain an open mind about new possibilities. He focuses on aiding clients with their financial planning needs through a detail-oriented and team-oriented method. Outside of his professional work, Vincent's personal interests include camping, football, hiking, music, and outdoor adventures.