Zachary Werner is a financial advisor with UBS Financial Services in Cincinnati, OH, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of America, Merrill, and Wells Fargo. Outside of finance, he has been involved with Werner Landscaping, Bob's Trophy Charters, and the Cincinnati Nature Center. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing model-based asset allocations and proprietary research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, providing a broad range of capital markets and investment solutions.

Lauren Beckert is a Wealth Management Advisor with Merrill Lynch Wealth Management who began her career at Merrill in 2010. She focuses on developing long-term financial strategies tailored to each client’s unique financial situation, prioritizing their cash-flow needs and risk tolerance at every stage. Lauren works with clients to construct and monitor customized investment portfolios aimed at balancing growth, income, and risk management. Her areas of expertise include college education planning, family wealth management, legacy planning, liquidity management, retirement income, philanthropic planning, tax minimization, and portfolio management services. Lauren earned her CERTIFIED FINANCIAL PLANNER® certification in December 2018 and holds a Bachelor’s degree from Miami University. In addition to her professional pursuits, she spends time with her family, enjoys kickboxing and ballet, and participates in community service activities.

Cameron Porczak is a financial advisor with Raymond James & Associates in Cincinnati, OH, holding a Series 66 designation and three years of industry experience. His prior work includes positions at Transamerica Agency Network and several roles outside finance, including education and service at College Hunks Hauling Junk and Moving. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad range of portfolio management styles and affiliated research.

Damian Lyons is a financial advisor with Primerica Advisors in Cincinnati, OH, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2013. Outside of his advisory role, he also works as a courier for DoorDash. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited selection of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio management and trading delegated to BNY Mellon Advisors.

Jennifer Dimmitt is a financial advisor at UBS Financial Services with 28 years of industry experience. She holds the Series 66 designation and has been with UBS since 1996. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory solutions, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor investment strategies.

Christian Cox is a financial advisor with Primerica Advisors in Cincinnati, OH, holding a Series 63 designation and 14 years of industry experience. He has worked with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited selection of separately managed accounts to individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for trade implementation, operating under a tiered wrap-fee structure.

Michael Sacher is a financial advisor with Mass Mutual Investors Services in Cincinnati, OH, holding 27 years of industry experience. He has worked at Mass Mutual and its affiliated firms since 2009, with additional roles at OneAmerica Securities and American United Life from 2017 to 2019. Sacher serves as a board member for the Entrepreneur's Organization, a nonprofit focused on peer-to-peer learning. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using firm-approved analytical tools and offers a range of investment programs and educational seminars.

Ethan Wing is a financial advisor with UBS Financial Services in Cincinnati, Ohio. He holds a Series 66 designation and has two years of industry experience. His prior roles include positions at Travis Mathew and Canopy Wealth Management, as well as work at Xavier University and Duneland School Corporation. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining model-based asset allocations and research with institutional trading capabilities and wealth management services.

John Kopeck III is a financial advisor with Ameriprise in Mason, OH, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, delivering personalized, research-supported recommendations through a centralized consulting team. The firm combines modeling techniques and tax-efficiency analysis to create tailored retirement income strategies while offering a broad range of advisory, brokerage, and insurance solutions.

Audrey Koob is a financial advisor with Primerica Advisors in Cincinnati, OH, holding a Series 63 designation and seven years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2018. Outside of her advisory role, she is involved in managing non-investment related partnerships in Mason, Ohio. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-driven strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Mire Jonovski is a financial advisor with Raymond James & Associates in Cincinnati, OH. He holds Series 63 and Series 65 licenses and has 45 years of industry experience. Jonovski has been with Raymond James & Associates since 2005. Outside of his advisory role, he serves as president of Acquest Inc and MKMS, companies involved in managing and overseeing rental real estate investments. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Scott Moffitt is a financial advisor at Cetera with 33 years of industry experience. He holds a Series 63 designation and has previously worked with firms including Summit Financial Group, Inc. and Gross & Company. Outside of advising, he is the founder of College Planning Relief and an author of a book titled Retirement Income Matters. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers portfolio management, financial planning, and consulting services through a multi-manager platform that provides access to both affiliated and unaffiliated third-party managers.

Thomas Dragar is a CFP® professional with 14 years of industry experience, currently affiliated with Cetera. He has held roles at Freeman Heyne Toma, LLC since 2017 where he serves as a client relationship manager, in addition to his tenure with Cetera and its affiliates since 2013. Outside of financial advising, he is commissioned as a notary public. Cetera Investment Advisers LLC is an SEC-registered advisor that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services with multiple program options and a multi-manager platform approach.

Crystal Brewer is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 designations and has been with Morgan Stanley Smith Barney LLC since 2014. Outside of her advisory work, she is involved in religious education at Fort Mitchell Baptist Church, where she teaches children, plans curriculum, and leads volunteers. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning through structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include comprehensive financial planning and estate planning strategies.

Timothy Bayer Jr. is a financial advisor with UBS Financial Services in Cincinnati, OH, holding Series 63 and Series 66 designations and 14 years of industry experience. He previously worked at JPMorgan Chase Bank NA and J.P. Morgan Securities from 2012 to 2021 before joining UBS in 2021. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to customize financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a wide range of capital markets and research resources.

Patrick Cahill is a financial advisor at OSAIC with 29 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior work includes seven years at Securities America Advisors and six years at LPL Financial. Outside of advising, he is engaged in insurance sales through a separate business entity. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services supported by proprietary asset-allocation tools and a variety of third-party managed account solutions.

Rebecca Dorton is a financial advisor with Morgan Stanley in Cincinnati, OH, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and market outlook models.

Arthur Faulkner II is a financial advisor with Primerica Advisors in Cincinnati, OH, holding 19 years of industry experience. His career includes roles at Gentex Corporation, Omega Engineering, and Russel Tobin Engineering alongside his long-standing tenure at Primerica Advisors since 2006. Outside of financial advising, he works as an engineering consultant and also drives for Uber. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while employing a tiered wrap-fee structure.

Edward Rupert is a financial advisor at Cetera with 14 years of industry experience. He holds a Series 66 designation and has worked at Cetera Advisors LLC since 2015 and Freeman Heyne Toma, LLC since 2017. In addition to his advisory role, he is also licensed to sell life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is a nationally registered investment adviser serving individual and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with discretionary and non-discretionary account options.

Mark Meyrose is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with Fidelity Investments since 2005, including roles at Fidelity Personal and Workplace Advisors since 2018. He is affiliated with Strategic Advisers LLC, a Fidelity company that provides investment management and advisory services to retail and institutional clients. The firm’s investment approach combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios using mutual funds, ETFs, and ETPs.