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.

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.

Fred Darlington is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advisory work, he is a notary and involved in health insurance and Medicare services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and offers financial planning, access to third-party asset managers, and insurance product facilitation.

Mark Meyrose is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and over 20 years of industry experience. He has been with Fidelity and its affiliates since 2005, including roles at Fidelity Personal and Workplace Advisors from 2018 to 2025. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

John Gray is a financial advisor with Wells Fargo Clearing in Cincinnati, OH, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Bank of America and Merrill. Outside of finance, he serves as a 12C Bridge Crewmember in the United States National Guard and acts as camaraderie chairman for The Barracks Project, supporting veterans and their families. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with a broad range of brokerage and advisory solutions.

Alec Manser is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021. His prior roles include positions at Medpace and Black Bull Capital Partners. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and utilizes structured financial planning processes supported by firm-approved tools and comprehensive investment modeling.

Karen Levy is a financial advisor with Wells Fargo Clearing in Cincinnati, OH, holding a Series 66 designation and 19 years of industry experience. She has worked with Morgan Stanley Private Bank since 2015 and joined Wells Fargo Clearing in 2023. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Charles Cline is a financial advisor with MML Investors Services, a subsidiary of MassMutual, holding Series 63 and Series 65 credentials and one year of industry experience. His prior roles include positions at Principal Securities, NYLIFE Securities, and Black Bull Capital Partners. Outside of finance, he has been associated with River Hills Christian Church and eXp Realty/Keller Williams Associate Partners. MML Investors Services provides financial planning and asset management services primarily for individuals, business owners, trusts, estates, charitable organizations, and employers, using a collaborative approach supported by firm-approved analytical tools.

Jack Updike is a financial advisor with Primerica Advisors in Cincinnati, OH, holding a Series 63 designation and 22 years of industry experience. He has worked with Primerica Financial Services since 2001 and maintains roles at several companies including OK Travel & Services, R B Tool & MFG, Pfs Investments Inc, and Data Recognition Corp. Outside of advising, he is involved in the sale of home security and automation products as well as loan products through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which includes model-delivery strategies and a limited selection of separately managed account options for individual and high-net-worth clients. The firm employs third-party asset managers and provides a tiered wrap-fee structure, focusing on curated investment models rather than institutional pension plan management.

Tina Hendricks is a financial advisor at Raymond James Financial with eight years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for seven years. Additionally, she is an associate at Kuethe Wealth Planning LLC, where she serves as an operational and financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning using advanced analytical tools and supports clients through various advisory programs.

Mary Schulz is a financial advisor with Primerica Advisors in Cincinnati, OH, holding 13 years of industry experience. She has worked at Dynamic Pension Services and PFS Investments Inc., where she remains active. Schulz is also involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and utilizes model-delivery strategies managed by unaffiliated asset managers, supported by custodial and trade execution services.

William Varwig IV is a financial advisor with Charles Schwab in Cincinnati, Ohio, holding a Series 66 designation and four years of industry experience. His work history includes roles at Charles Schwab, TD Ameritrade, DoorDash, Anthem Inc., and Stand Energy Corporation. Charles Schwab & Co., Inc. serves 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 a combination of non-discretionary and discretionary investment management, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Marie Vandenberg is a financial advisor with Primerica Advisors in West Chester, OH, holding a Series 63 designation and 23 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of her advisory role, she 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, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure, offering a range of investment models implemented with oversight from BNY Mellon Advisors.

Alex De Mann is a financial advisor at J.P. Morgan Securities with a Series 66 credential and approximately one year of industry experience. His career includes roles at JPMorgan Chase Bank, Fidelity Investments, Wallace Hart Capital Management, and Journey Advisory Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Dana Krutka is a financial advisor at Raymond James Financial with eight years of industry experience. He holds a Series 66 designation and has been with Raymond James Financial Services Advisors Inc. since 2018. In addition to his advisory role, he is employed in client service positions at Aspire Wealth Planning and JW-CIN Inc, both based in Cincinnati, OH. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored non-discretionary planning and uses various analytical tools to assist clients in making informed decisions.

Steven Frank is a CFP® with 40 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a board member for the Covington Economic Development Authority and participates in the City of Covington Committee of Form of Government Transition. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Tyler Hewlett is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. Prior to joining OSAIC in 2025, he was with Faith Financial Advisors and has an academic affiliation with Asbury University. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that may include various asset classes.