Gerald Krach is a financial advisor with Waverly Advisors, LLC, holding Series 63 and Series 65 credentials and 21 years of industry experience. He previously spent 20 years with Buckingham Capital Management, Inc. In addition to his advisory role, he is a partner at Dayton Tax & Accounting Certified Public Accountants and serves on the University of Dayton Planning Giving Counsel. Waverly Advisors is a multi-team registered investment adviser serving individuals, retirement plans, and pooled investment vehicles. The firm combines traditional equity and fixed-income strategies with alternative and private-market allocations and offers a range of investment management, financial planning, and multi-family office services.

Jeff Groezinger is a financial advisor with Waverly Advisors, LLC, holding the PFS™ designation and Series 63 and 65 licenses. He has 21 years of industry experience, including a 20-year tenure at Buckingham Capital Management, Inc. Outside of advisory work, he serves as president of Groezinger Golf Enterprises, Inc. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individual clients, retirement plans, and pooled investment vehicles. The firm employs a range of strategies blending traditional equity and fixed income with alternative and private-market allocations, serving clients through discretionary and non-discretionary management.

Steven Allread is a financial advisor with Prospera Financial Services, Inc. in Dayton, Ohio, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. He previously worked at Cutter & Company, Inc. for 16 years before joining Prospera. Outside of his advisory role, he is involved with SJ Wolfe Investments, Inc., where he is active as a financial advisor and trader. Prospera Financial Services, Inc. is a multi-team firm serving individuals, corporate and charitable entities, and retirement plans, managing approximately $12.4 billion through around 207 advisors. The firm provides investment advisory and financial planning services via multiple platforms and employs a combination of firm models, third-party sub-advisers, and customizable allocations for portfolio management.

Emily Cozad is a financial advisor at Waverly Advisors, LLC with five years of industry experience. She holds a Series 65 designation and previously worked at Buckingham & Company for six years. Emily’s background includes roles at Wright Patterson Air Force Base and Wright State University. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individuals, retirement plans, and pooled investment vehicles. The firm offers a blend of traditional and alternative investment strategies, financial planning, and multi-family office services, serving both non‑HNW and high net worth clients.

Daniel Gilbert is a CFP® and ChFC® with 39 years of industry experience. He is currently with First Heartland Consultants, Inc., where he has worked since 2024. His prior experience includes roles at Securities America Advisors, Inc. and KMS Financial Services, Inc. Gilbert is also involved in marketing insurance and financial services. First Heartland Consultants provides investment advisory and financial planning services to individuals, businesses, and retirement plan participants. The firm offers personalized asset management, third-party asset management services, and a model-based self-directed brokerage account program, delivering advisory services through independent investment adviser representatives.

Bradley Griffith is a CFP® with 11 years of industry experience. He currently works at Waverly Advisors, LLC and previously held roles at Buckingham & Company and Ameriprise Financial Services, Inc. Waverly Advisors is a multi-team registered investment adviser serving individuals, retirement plans, and pooled investment vehicles. The firm offers discretionary and non-discretionary portfolio management that combines traditional equity and fixed-income strategies with alternative and private-market allocations.

Charles Neumaier is a financial advisor at AlphaStar Capital Management with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at AlphaStar since 2014. In addition to his advisory role, he assists individuals with claims under the Energy Employees Occupational Illness Compensation Program Act, a non-investment related activity he has been involved in since 2004. AlphaStar Capital Management serves a diverse client base including individuals, trusts, small businesses, and other advisers, offering discretionary and non-discretionary portfolio management along with financial planning and retirement consulting. The firm utilizes strategic asset allocation, quantitative analysis, and third-party research, providing both model and custom investment strategies.

Jay Buckingham is a CFP® with 26 years of industry experience, currently serving at Waverly Advisors, LLC since 2024. He previously led Buckingham Capital Management and Buckingham Financial Planning, with over two decades of experience managing financial and tax services. Outside of financial advising, he holds leadership roles as president of a real estate holding company and treasurer for a condominium association. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individual clients, retirement plans, and pooled investment vehicles. The firm integrates traditional equity and fixed-income strategies with alternative and private-market allocations, offering a range of investment management and financial planning services.

Ryan Rabold is a Series 66-licensed financial advisor with Westminster Financial Advisory Corporation, based in Beavercreek, Ohio. He has 12 years of industry experience and has been with Westminster Financial Securities since 2013. Westminster Financial Advisory Corporation provides investment supervisory services and general investment advice to individuals, families, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm employs a diversified, multi-asset class investment approach with a buy-and-hold orientation, supplemented by tactical overlays and cyclical analysis to adjust portfolio exposures.

Tyler Mays is a financial advisor at Beacon Capital Management, Inc. with 10 years of industry experience. He holds a Series 65 designation and has been with Beacon Capital Management since 2016. Beacon Capital Management, Inc. provides investment advisory services mainly to retail investors through third-party financial intermediaries, serving individuals, high-net-worth clients, retirement plans, trusts, and registered investment companies. The firm employs tactical, data-driven strategies using model portfolios primarily composed of ETFs and mutual funds, offering discretionary account management and custom portfolio solutions.

Darrell Patrick is a financial advisor with Prospera Financial Services, Inc. in Dayton, OH, holding Series 63 and Series 65 licenses and possessing 54 years of industry experience. Prior to joining Prospera in 2025, he worked at Cutter & Company, Inc. for 16 years. Outside of his advisory role, he serves on the board of the Corporate Morality Action Center, Inc., which focuses on public education regarding corporate influence on morality. Prospera Financial Services is an enterprise-scale adviser and dually registered broker-dealer serving a diverse client base including individuals, corporate and charitable entities, and retirement plans. The firm manages approximately $12.4 billion through about 207 advisors and offers investment advisory and financial planning services across multiple platforms, combining firm models, third-party sub-advisers, and customizable allocations.

Damyon Juntunen is a financial advisor with Westminster Financial Advisory Corp in Beavercreek, OH. He holds a Series 66 designation and has one year of industry experience. Prior to joining Westminster Financial Companies, he spent four years at Bowling Green State University and four years at Wayne High School. Westminster Financial Advisory Corporation provides investment supervisory services and financial planning to individuals, families, trusts, estates, fiduciaries, charitable organizations, small businesses, and retirement plans. The firm’s investment approach emphasizes strategic asset allocation with tactical overlays and primarily uses a buy-and-hold framework complemented by periodic rebalancing and selective option strategies.

Lawrence Lentz is a financial advisor with StoneX Advisors Inc. in BeaverCreek, OH, holding a Series 63 designation and 45 years of industry experience. He has been with StoneX Securities Inc. since 2014. Outside of his advisory role, he is a sales representative for an insurance agency. StoneX Advisors Inc. provides portfolio management, financial planning, and consulting services to individuals, corporations, retirement plans, and charitable organizations, utilizing a blend of independent advisors and an in-house Private Client Group to deliver customized investment solutions.

Joseph Zaidain is a financial advisor at Summit Financial, LLC with 27 years of industry experience. He holds the PFS™ designation and Series 63 license. His prior roles include positions at LPL Financial, Brass Tax Wealth Management, Inc., and operating as a sole proprietor. He is also a partner in a restaurant operation in Adrian, Michigan. Summit Financial, LLC is an SEC-registered, multi-team advisory firm managing approximately $26.35 billion in assets for around 17,800 clients. The firm offers investment advisory, portfolio management, and retirement plan services through both discretionary and consultative platforms.

Brian Yeakley is an investment advisor at United Advisor Group with 22 years of industry experience. He holds the Series 66 designation and has previously worked at firms including Cambridge Investment Research and Mass Mutual Investors Services. Yeakley is also president of Miami Valley Financial Partners, a fixed insurance products business, and serves as a board member of Downtown Miamisburg Inc., a nonprofit focused on the development of the historic downtown business area. United Advisor Group provides investment management, financial planning, consulting, and family office services to individuals, small businesses, trusts, and charities. The firm serves both non-high-net-worth and high-net-worth clients, utilizing a combination of proprietary models, third-party sub-advisors, and custom accounts tailored to client risk profiles, tax strategies, and time horizons.

Bradley Smith is an investment adviser representative at Westminster Financial Advisory Corp with 18 years of industry experience. He holds a Series 66 designation and has been with Westminster Financial Advisory since 2016. Outside of his advisory role, Smith is a partner at Smith & Co CPA LLC, where he provides tax compliance, planning, and consulting services to individuals and businesses. Westminster Financial Advisory Corporation offers investment supervisory services and financial planning for individuals, families, trusts, charitable organizations, small businesses, and retirement plans. The firm employs a strategic asset allocation approach combined with tactical economic and market analysis, primarily using a buy-and-hold framework with discretionary trading and option strategies to manage portfolios.

Nicholas McGuire is an investment advisor representative at United Advisor Group with two years of industry experience. He holds a Series 66 designation and has worked at firms including Silver Oak Securities and Miami Valley Financial Partners. United Advisor Group serves individuals, small businesses, trusts, and charities through a network of independent advisers, offering discretionary and non-discretionary investment management, financial planning, and family office services. The firm employs a combination of proprietary model portfolios, custom-traded accounts, and third-party managers using fundamental and technical analysis alongside strategic asset allocation.

Raymond Thomes is a financial advisor at Prospera Financial Services, Inc. with 61 years of industry experience. He holds a Series 63 designation and has been affiliated with Cutter & Company, Inc. since 2009. Outside of his advisory work, he is involved with SJ Wolfe Investments, Inc. in Dayton, OH. Prospera Financial Services, Inc. is an enterprise-scale firm serving individuals, corporate and charitable entities, and retirement plans. The firm manages approximately $12.4 billion through about 207 advisors and offers a range of advisory and financial planning services across multiple platforms and delivery vehicles.

Michael Hays is a CFP® and holds a Series 65 license with four years of industry experience. He has worked at Waverly Advisors since 2024 and previously held roles at Buckingham & Company, The Motley Fool, and Covenant Planning. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individuals, retirement plans, and pooled investment vehicles. The firm combines traditional equity and fixed-income strategies with alternative and private-markets allocations and offers a range of services including financial planning and multi-family office solutions.

James Lavy is a financial advisor with Signal Advisors Wealth, LLC, holding 11 years of industry experience. He has worked at several firms including AE Wealth Management, Heritage Financial Resources Wealth Management, Transamerica Financial Advisors, and World Financial Group. He is involved with Heritage Financial Resources, where he oversees sales, presentations, and planning with other agents; the firm specializes in federal civilian employee benefits for education and retirement planning. Signal Advisors Wealth provides investment management and financial planning services to retail clients and independent registered investment advisers through its Signal Platform TAMP. The firm employs a top-down, macro-environmental investment approach emphasizing tactical asset allocation, sector rotation, and a relative growth/value framework across various asset classes.