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.

Fred Darlington is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds the Series 63 and Series 65 credentials and has previous experience at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is a notary and holds a health insurance/Medicare license. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

John Gray is a financial advisor with Wells Fargo Clearing in Cincinnati, OH, holding a Series 66 designation and four years of industry experience. Prior to joining Wells Fargo in 2026, he worked at Bank of America and Merrill. Outside of his advisory role, he serves as a bridge engineer in the United States National Guard and is involved with The Barracks Project, supporting veterans and service members through community activities and assistance programs. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a range of investment advisory services, financial planning, and retirement consulting, utilizing research from the Wells Fargo Investment Institute and third-party sources.

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.

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.

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 at Charles Schwab with four years of industry experience. He holds the Series 66 designation and has worked at several firms including TD Ameritrade and Anthem Inc. Prior to his current role, he was briefly employed at DoorDash in 2020. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios, supported by a centralized operational structure.

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.