Gareth Caluducan is a financial advisor at W&S Advisory Services, LLC with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with W&S Brokerage Services and Western Southern Life since 2016. Outside of his advisory role, Caluducan is involved in community outreach and serves on the board of a local career mentorship organization; he is also a co-owner of a professional wrestling training school and related apparel business. W&S Advisory Services, LLC serves parents and custodians through a digital-first UGMA wrap-fee program offered via Fabric’s platform, alongside comprehensive financial planning through Western & Southern Life agents. The firm employs a model portfolio approach managed by Fort Washington Investment Advisors and distinguishes itself by using a fintech-driven custody and onboarding process with fixed fees rather than traditional AUM-based billing.

Troy Rennekamp is a financial advisor at Shepherd Wealth Management with 20 years of industry experience. He holds the Series 63 and Series 66 designations. Troy previously worked at Fidelity Investments and its related entities for over 20 years. Outside of his advisory role, he serves as the Finance Director for Vineyard Westside Church, managing bookkeeping and financial operations. Shepherd Wealth Management is a fee-only firm serving individuals and high-net-worth clients with investment management, financial planning, and retirement consulting. The firm employs a team approach and emphasizes a primarily passive investment strategy using index funds and ETFs, supplemented by various analytical techniques.

Krysten Taylor is a Series 65-licensed advisor at Formidable Asset Management, LLC with two years of industry experience. She has been with Formidable Asset Management since 2013. Formidable Asset Management provides investment advisory services to individuals, retirement plans, pooled investment vehicles, and other registered investment companies and advisers. The firm employs a combination of fundamental and quantitative analysis to manage portfolios, including its own family of ETFs and model portfolios, serving a range of clients through both direct management and model licensing arrangements.

Kevin Kane is a financial advisor at Journey Advisory Group, LLC in Covington, KY, holding Series 63 and Series 65 licenses with 13 years of industry experience. He has worked at Lang Advisors LLC since 2018 and previously was with Optimized Transitions, Independent Investment Counsel from 2016 to 2018. Journey Advisory Group serves individuals, trusts and estates, charitable organizations, corporations, and retirement plans with portfolio management, financial planning, and retirement plan consulting. The firm employs a long-term, strategic asset allocation approach and incorporates tax-conscious strategies within customized portfolio construction.

Andrew Woodard is a CFA® charterholder with five years of experience at THOR Wealth Management Inc in Cincinnati, OH. His prior work includes roles at UBS Financial Services and the University of Cincinnati. THOR Wealth Management provides discretionary investment management and comprehensive financial planning to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a “total portfolio” approach using active, diversified model portfolios guided by written investment policy statements and combines fundamental and technical analysis with proprietary models to adjust asset allocations.

James Hynd is a CFP® and ChFC® with 18 years of industry experience, currently serving as the sole advisor at W&S Advisory Services, LLC. He has been affiliated with W&S Brokerage Service since 2007 and Western Southern Life since 2006. Outside of his financial advisory work, he engages in personal development speaking engagements. W&S Advisory Services, LLC provides non-discretionary investment management for UGMA accounts through the Fabric by Gerber Life digital platform, primarily serving custodians managing minor beneficiaries' assets. The firm employs model portfolios managed by an affiliated sub-adviser and operates as a wholly owned subsidiary of Western & Southern Financial Group.

James Owens is a CFP® with 21 years of industry experience, currently affiliated with Journey Advisory Group, LLC in Covington, KY. His work history includes roles at Purshe Kaplan Sterling Investments and Lang Advisors since 2015. Owens serves as Treasurer on the board of Covington Partners, a nonprofit providing wrap-around services. Journey Advisory Group serves individuals, trusts, charitable organizations, corporations, and retirement plans with portfolio management, financial planning, and retirement plan consulting. The firm employs a long-term, strategic asset allocation approach tailored to client objectives and offers services including tax-conscious portfolio management and co-fiduciary roles, managing approximately $1.65 billion in assets.

William Brown is a financial advisor at Formidable Asset Management, LLC in Cincinnati, OH, holding a Series 63 designation with 25 years of industry experience. He has been with Formidable Asset Management since 2015. Formidable Asset Management provides investment advisory services to individuals, retirement plans, pooled investment vehicles, and other registered investment companies and advisers. The firm employs a blend of fundamental and quantitative analysis, offering portfolio management through Formidable-branded ETFs and model portfolios, along with financial planning, outsourced CIO services, and retirement-plan advisory under ERISA.

Allisha Curtis is a Series 63 licensed advisor with 18 years of industry experience. She has been with THOR Investment Management, Inc. since 2005. THOR Wealth Management manages approximately $679 million in discretionary assets and provides investment advice to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm uses a “total portfolio” approach with active, diversified model portfolios guided by written investment policy statements and employs a committee-governed process integrating fundamental and technical analysis alongside a proprietary mean-reversion model.

Richard Pettway is a CFA® charterholder with six years of industry experience, currently serving at Journey Advisory Group, LLC since 2020. Prior to joining Journey, he worked at PNC Bank, N.A. for eleven years. Pettway holds leadership roles outside his advisory work, including serving as President of the CFA Society of Cincinnati and chairing the Investment Committee for 4C for Children. Journey Advisory Group serves individuals, trusts and estates, charitable organizations, corporations, and retirement plans by providing portfolio management, financial planning, and retirement plan consulting services. The firm follows a long-term, strategic asset allocation approach with tailored portfolio construction, incorporating tax-conscious techniques and managing approximately $1.65 billion in assets.

Gregory Luke is a financial advisor at THOR Wealth Management Inc with 22 years of industry experience. He holds a Series 65 designation and has been with Thor Investment Management, Inc. since 2002. Outside of his advisory role, he maintains a law practice. THOR Wealth Management serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, managing approximately $679 million in discretionary assets. The firm employs a total portfolio approach with active, diversified model portfolios, combining fundamental and technical analysis alongside a proprietary mean-reversion model to guide investment decisions.

Mitchell Lampert is a financial advisor at Legacy Financial Advisors, Inc. in Covington, KY, with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at The Vanguard Group and Triad Advisors. He also assists the director of investment in trading duties and supports advisors in paraplanning at Legacy Financial Advisors. Legacy Financial Advisors serves individuals, families, closely held businesses, retirement plans, estates, trusts, and charitable organizations, providing financial planning, estate planning, risk management, and discretionary portfolio management across traditional and alternative investments. The firm manages approximately $1.5 billion in client assets through a multi-advisor team of 13 professionals.

Timothy Schwiebert is a financial advisor at Topsail Wealth Management LLC with 29 years of industry experience. He previously worked at L.M. Kohn & Company for 26 years before joining Topsail in 2024. Schwiebert holds Series 63 and Series 65 designations. Topsail Wealth Management advises high-net-worth and ultra-high-net-worth families, trusts, and related entities through comprehensive wealth management services including financial planning, investment advisory, tax and estate planning, and ancillary services such as bookkeeping and trustee services. The firm employs a customized, priorities-based investment process with a blend of passive and active strategies, managing over $1.3 billion in regulatory assets despite being a recently formed firm.

James Stechschulte is a CFA® charterholder with nine years of industry experience. He has been with Thor Investment Management, Inc. since 2012. THOR Wealth Management provides discretionary investment management and comprehensive financial planning services to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a total portfolio approach using active, diversified model portfolios guided by written investment policy statements and combines fundamental and technical analysis with a proprietary reversion-to-the-mean model.

Andrew Hermes is a CFP® with 21 years of industry experience, currently serving as an advisor at Altus Wealth Management, LLC since 2010. He holds Series 63 and Series 66 licenses and works from Ft. Mitchell, KY. Altus Wealth Management provides discretionary investment management and financial planning to individuals, trusts, and charitable organizations, including high-net-worth clients. The firm employs a blend of Modern Portfolio Theory with tactical asset allocation and relative strength analysis, emphasizing low-cost ETFs and mutual funds, and distinguishes itself with a dedicated fixed-income Preservation model that uses individual bonds alongside strategic and tactical investment approaches.

Live and Give Financial was started with a vision of increasing access to quality, unbiased advice for families who have not yet accumulated a lot of wealth. Our focus on flat-fee, advice-only planning puts the power back in your hands to learn money management strategies for your own situation. We will empower you to make decisions that will be meaningful for your family. We'll work together on a comprehensive financial plan over the course of 4-6 months. Utilizing research-backed tools we'll have in-depth conversations about your passions and dreams for the future to uncover the goals that are most meaningful to you. From there we'll visit all aspects of your financial picture to set you on the path to holistic wellbeing. Reach out to schedule a conversation about your goals. If I'm not the right fit for your pain points I'll help you find the service that is - which is my ultimate duty as a fiduciary advisor. I look forward to connecting!

Henry Brightwell III is a financial advisor with Formidable Asset Management, LLC in Cincinnati, OH. He holds Series 63 and Series 65 licenses and has 31 years of industry experience, including 10 years with Formidable. Formidable Asset Management is an SEC-registered multi-advisor firm managing approximately $903 million across 16 advisors. The firm serves individuals, retirement plans, registered investment advisers, and pooled investment vehicles, employing a mix of top-down thematic research and bottom-up fundamental and quantitative analysis, with an emphasis on capital appreciation through actively managed ETFs and other strategies.

James Gore is a Series 65-licensed financial advisor with THOR Wealth Management Inc in Cincinnati, Ohio, where he has worked since 1992. He has 30 years of industry experience. THOR Wealth Management manages approximately $679 million in discretionary assets and provides investment advice to individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm uses a total portfolio approach with active, diversified model portfolios guided by written investment policy statements and employs fundamental and technical analysis along with a proprietary mean-reversion model to determine asset-class and style allocations.

Derek Schmidt is a CFP®-designated financial advisor at Altus Wealth Management, LLC with 10 years of industry experience. He previously worked at UBS Financial Services and Fidelity Brokerage Services, LLC before joining Altus Wealth Management. Altus Wealth Management provides discretionary investment management and financial planning to individuals, trusts, and charitable organizations. The firm employs a strategy that integrates Modern Portfolio Theory with tactical asset allocation and relative strength analysis, focusing on diversified, low-cost equity and fixed-income investments.

Michael Maisel is a financial advisor at Legacy Financial Advisors, Inc. in Covington, KY, holding a Series 63 designation with 26 years of industry experience. He has been with Legacy Financial Advisors since 2006 and also has experience with Triad Advisors. Outside of his advisory role, he is involved in an education company, Financial Fitness Powered by Legacy, LLC, and co-owns Bridge Partners, USA, which provides insurance solutions for advisors. Legacy Financial Advisors serves individuals, families, businesses, and charitable organizations, offering financial planning, estate planning, risk management, and discretionary portfolio management across traditional and alternative investments. The firm operates as a multi-advisor team managing approximately $1.5 billion in client assets, emphasizing diversification and asset allocation with a focus on capital preservation and growth.