Stephen Caton is a financial advisor with Primerica Advisors in Cincinnati, OH, holding a Series 63 designation and 29 years of industry experience. He has been with Primerica Advisors since 1996 and has held several roles outside of finance in the automotive sector. Caton also receives compensation related to loan product sales and home security and automation service referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-driven strategies developed by unaffiliated asset managers and operates at scale with thousands of advisors, managing approximately $15.5 billion in assets under management.

William Lendl is a financial advisor at Raymond James Financial with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Raymond James and its affiliated entities since 2013. Lendl is also the owner of Voyacy Wealth Advisors and Lendl Enterprises, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary investment consulting using advanced analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Molly Koester is a financial advisor at Morgan Stanley with 19 years of industry experience. She has held roles at both Morgan Stanley and UBS Financial Services over her career. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analytics. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Joanna Ward is a financial advisor with Primerica Advisors in Monroe, Ohio, holding seven years of industry experience. She has worked with PFS Investments Inc. since 2018 and has been associated with Primerica Financial Services since 2008. Outside of her advisory role, Joanna participates as a part-time shopper for Shipt. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm employs a curated selection of third-party asset managers and uses a tiered wrap-fee structure for its services.

Leo Lauterbach is a financial advisor with Wells Fargo Clearing in Mason, Ohio, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association, from 2009 to 2018. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process is grounded in modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Lucas Hiler is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 65 designations and has worked in various roles including previous positions at Fifth Third Securities and Kirsch CPA Group LLC. Outside of finance, he has experience with music and event management as well as community involvement through the Dan Beard Council. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research with a focus on eligible strategies, incorporating ESG criteria and utilizing derivatives and commodities capabilities.

Kevin Ruther is a financial advisor at UBS Financial Services with 15 years of industry experience. He has been with UBS since 2015 and holds a Series 66 designation. Outside of advisory work, he is a co-owner and operator of a real estate partnership involved in rental property decisions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets solutions.

Spencer Strunk is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation and previously worked in roles outside the financial sector, including at Planet Fitness and the University of Kentucky. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to clients' goals and risk tolerances.

Kelsey Mc Kay is a financial advisor at UBS Financial Services with nine years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Fidelity Brokerage Services LLC before joining UBS in 2019. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor portfolios and offers both fee-based financial planning and capital markets services.

Beth Kiernan is a Series 66-credentialed financial advisor with Ameriprise, based in Liberty Township, OH, and has 23 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2000. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering tailored Recommendation Reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized consulting team and combines research, modeling, and tax analysis in its approach, with an emphasis on Ameriprise-managed accounts and affiliated investment products.

Francisco Armada is a financial advisor at Ameriprise with 24 years of industry experience. He holds Series 65 and Series 66 licenses and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is president of Solomon Professional Services, LLC, a firm that supports the operations of a planning business employing non-registered staff and allowed AFAs. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm uses a centralized team and proprietary tools to develop tax-aware withdrawal strategies and asset allocation guidance within a defined investment framework.

Alexander Hemsath is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and Jpmorgan Chase Bank NA since 2022. His prior roles include positions at Fidelity Investments, The Motz Group, and Great American Insurance Group. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

Briner Ellis is a financial advisor based in Cincinnati, OH, affiliated with Morgan Stanley. He holds Series 63 and Series 66 designations and has 18 years of industry experience. His prior roles include positions at W&S Brokerage Services and Western & Southern Life/Western Southern Financial Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate firm‑approved tools and methodologies to support tailored client strategies.

Carianne Straus is a financial advisor at OSAIC with 21 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors for 19 years. Outside of her advisory role, she sells insurance products to meet client financial planning needs and serves as a power of attorney on certain family investment accounts. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, providing brokerage and advisory services that include financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization supported by various analytical tools and offers access to alternative investments through third-party platforms.

Suzanne Frazier is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets operations.

Timothy Vollrath is a financial advisor with Mass Mutual Investors Services in Cincinnati, OH, holding Series 63 and Series 65 licenses and 19 years of industry experience. His prior roles include positions at Principal Securities, Eagle Strategies, NYLIFE Securities, and Prudential Insurance. Outside of his advisory work, he serves as an elected trustee for Miami Township and is the commander of the Miller Stockum American Legion Post 485. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved tools and supports a range of investment and educational services.

Michelle Payne is a financial advisor at Primerica Advisors with 10 years of industry experience. Her prior work includes roles at Miller Wilkins and Associates and PFS Investments Inc. She is based in West Chester, OH. In addition to her advisory work, she participates in sales of home-related products and services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-based investment strategies managed by third parties and supports accounts with custodial and trade execution services through established providers.

Lauren Best is a financial advisor with Morgan Stanley in Cincinnati, OH, holding a Series 66 designation and 20 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and research.

Elizabeth Koob is a financial advisor with Primerica Advisors in Cincinnati, OH, holding a Series 63 designation and eight years of industry experience. She has been with Primerica Advisors since 2018 and has been affiliated with Primerica Financial Services since 1992. Outside of her advisory role, she is involved with Timeless Charm Weddings & Events LLC, a part-time venture in event planning. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm uses third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Gregory Takas is a financial advisor with UBS Financial Services in Cincinnati, Ohio, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with UBS Financial Services since 2004. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.