Richard Kohl is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has four years of industry experience. Prior to joining Raymond James, Kohl worked at Fidelity Investments and has held roles in the hospitality industry. He is also associated with Bisbe Capital in a support role. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored non-discretionary planning and uses analytical tools to support client goals, with specialized programs in municipal finance and employer SIMPLE IRA advisory services.

Enid Santiago is a financial advisor at Edelman Financial Engines with 14 years of industry experience. She holds the Series 65 designation and has worked at Financial Engines Advisors L.L.C. since 2016, following prior roles at Financial Engines Advisor Center, Llc and The Mutual Fund Store. Based in Cincinnati, OH, Santiago has extensive experience within financial advisory firms focused on retirement and wealth management. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified model portfolios and both discretionary and non-discretionary management options across a large client base.

Manda Cash is a Series 66-licensed financial advisor with six years at UBS Financial Services and a total of five years of industry experience. Prior to joining UBS in 2020, she worked with Advantage Marketing Services and was involved with the University of Dayton’s The Write Place. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Thomas Brizzolara is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Ameriprise since 2016, including his current role at Ameriprise Financial Services, LLC since 2020. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Lauren Saulnier is a financial advisor at Ameriprise with six years of industry experience. She holds a Series 66 designation and has previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank N.A. before joining Ameriprise in 2022. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Rami Elkhatib is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and previously worked at GETChoice Energy Management. Elkhatib’s background includes full-time education at the University of Kentucky and Kentucky Country Day School. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides investment and planning services through a structured discovery process.

Alissa Vanselow is a Series 66 licensed financial advisor at Merrill with four years of industry experience. She has worked at Merrill since 2021 and previously was involved with Roof Guard Roofing for two years. She spent eleven years as a stay-at-home parent before starting her advisory career. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Logan Doane is a Financial Consultant at Fidelity Investments, a role he has held since 2023. Prior to this position, he served as a Workplace Planning Consultant at Fidelity Investments from 2020 to 2023. His professional focus involves collaborating with clients to develop financial strategies tailored to their individual goals. Logan emphasizes understanding each client's unique story and priorities as the foundation for meaningful financial planning. He is committed to building trusted relationships and working closely with clients and their families as their financial needs change over time. Outside of his professional responsibilities, Logan has interests in football, golf, skiing, traveling, food, and parenthood.

Mackenzie Bennett is a Series 66-licensed financial advisor with Raymond James Financial in Cincinnati, Ohio, and has eight years of industry experience. He has served in the U.S. Navy since 2013, including active military duty and continuing service from 2019 to the present. Bennett is involved in business development for Cornerstone Retirement Advisor, Inc., and serves as an insurance agent selling fixed, index, life, and Medicare-related products. He also participates in the finance and investment committee of the International Order of Odd Fellows, Dekalb Lodge #12. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through a municipal advisor affiliation.

Jonathan Coleman is a Series 66-licensed financial advisor with Equitable Advisors in Cincinnati, Ohio, and has five years of industry experience. Prior to joining Equitable Advisors in 2020, he worked as a Caddie Master for four years. Equitable Advisors serves individual clients across wealth levels, as well as pension and profit-sharing plans, corporations, and nonprofits, offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes both proprietary and third-party advisory models, emphasizing client risk assessment and matching to appropriate investment programs.

Michael O'Brien is a financial advisor at UBS Financial Services with four years of industry experience. He has worked at UBS since 2021 and previously held positions at OJM Group and Cincinnati Financial Corporation. His background also includes roles at Xavier University and the Portland Regency Hotel and Spa. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and also provides custody, underwriting, and capital markets services.

Courtney Galinger is a financial advisor at Fidelity with 27 years of industry experience. She holds Series 63 and Series 66 designations and has worked at several Fidelity affiliates and Chase Investment Services. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm uses proprietary research combined with quantitative and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies and fund-of-funds.

Jason Sirotak is a CFP® and ChFC® with 26 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and previously worked at Metlife Securities Inc. He also services life, accident, and health insurance independently. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and provides various programs including educational seminars and event-driven planning services.

William Di Johnson is a financial advisor at UBS Financial Services with seven years of industry experience. He holds Series 65, Series 66, and Series 63 designations and has previously worked at firms including Walnut Grove Capital Partners and Wells Fargo Securities. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory solutions, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Kendall Harden is a financial advisor with UBS Financial Services in Cincinnati, OH, holding Series 66 and Series 63 designations and five years of industry experience. Prior to joining UBS in 2024, he worked at Gearhart & Associates and Raymond James & Associates, Inc. Harden also has a background connected to the University of North Carolina at Chapel Hill. UBS Financial Services serves individual, corporate, and institutional clients through comprehensive brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Matthew McManus is a financial advisor with Equitable Advisors in Cincinnati, OH, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked at AXA Advisors LLC. Outside of his advisory role, McManus is the author of a book titled *Money Academy* and serves as Treasurer for the Hamilton County Police Association as well as Director of Finance for the Greater Cincinnati Police Museum. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management services delivered through a network of Investment Adviser Representatives, utilizing both proprietary programs and third-party asset managers.

Joseph Jeffcott is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. Prior to joining Wells Fargo in 2020, he worked at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of his advisory role, he owns Green Mountain Boys, LLC, a business involved in buying and trading baseball cards, and serves on the finance committee of Cooperative for Education, an organization supporting educational programs. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm employs an IPS-driven approach grounded in modern portfolio theory and includes insurance-related products and bank deposit sweep options as part of its investment menu.

Allison Cogburn is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has previously worked at US Bank, Boaz CO of Ohio, and PNC Bank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Ryan Hoover is a financial advisor at LPL Financial with 18 years of industry experience. He holds a Series 66 designation and has worked at firms including Raymond James Financial Services, Truist Bank, and PNC Investments. Hoover is based in Loveland, OH. LPL Financial is a national broker-dealer and registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party asset managers, and customized investment strategies.

Josh Hardtke is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2017. He has been with Fidelity for over a decade, contributing in various capacities including Financial Consultant, Investment Representative, Retirement Solutions Representative, Investment Solutions Representative, Financial Service Professional, and Defined Contribution Representative since 2010. His primary focus involves developing, implementing, and maintaining long-term financial plans that address challenging market conditions and life changes. Josh holds an Arkansas Insurance License, supporting his professional capabilities in the financial services sector. His extensive tenure at Fidelity reflects his commitment to assisting clients and families in their financial planning endeavors, utilizing the resources of a trusted brand within the financial industry. Outside of his professional responsibilities, Josh engages in family activities, fitness, hiking, parenthood, and spending time with pets.