I'm Julie Kist, CFP®, founder of Kelos Wealth Planning. I help people make smarter financial decisions throughout their working years and into retirement through planning-first advice that integrates tax strategy into every stage of life. Rather than treating investments, taxes, retirement income, and estate planning as separate conversations, I help clients understand how every decision affects the next, so every piece of the plan works together—not in isolation. My clients include people preparing for retirement, already living in retirement, or navigating significant life transitions such as the loss of a spouse, divorce, or a career change. I also work with many women stepping into the role of primary financial decision-maker, often for the first time. Whether we're optimizing where and how you save today or making decisions about Social Security, Roth conversions, Medicare, and retirement income, the goal is the same: helping you make confident decisions with a clear understanding of your full financial picture. I've spent more than 25 years in financial services across institutional consulting and personal financial planning, with one guiding belief: financial planning changes lives when it's proactive, personal, and purposeful. As a fee-only fiduciary, I'm compensated only by my clients, so my advice is never influenced by commissions or product sales. At Kelos, you'll always work directly with me in an ongoing relationship built on thoughtful planning, proactive communication, and attention to the details that matter most.

Michael Muth is a financial advisor at QCFO, LLC with eight years of industry experience. He holds a Series 65 credential and has previously worked at Osborne Williams and Formidable Asset Management. Outside of finance, he serves as COO of Seven Hills Foods, an organic food company where he oversees sales, production, logistics, and inventory. QCFO, LLC is a fee-only investment adviser offering discretionary portfolio management and wealth management services to individuals, high-net-worth clients, trusts, charitable foundations, and qualified plans. The firm employs a disciplined, scientifically engineered investment approach focused on global diversification and risk control, integrating tax management and wealth-transfer planning into its services.

Bruce Russo is the principal of Russo Investment Management in Cincinnati, OH, with 19 years of experience in financial advising. He holds the PFS™ designation along with Series 63 and Series 65 licenses. Russo has a long tenure at The Kroger Co., where he has worked since 1995. Russo Investment Management serves individual and high-net-worth clients by providing asset management, financial planning, and integrated tax preparation services. The firm follows a Modern Portfolio Theory-based investment approach, emphasizing long-term asset allocation using primarily no-load and index mutual funds, and operates as a CPA practice that combines tax planning directly with its advisory services.

Justin Wolterman is a financial advisor at J1 Capital LLC in Cincinnati, OH, holding a Series 65 designation with five years of industry experience. He previously worked for American Mortgage Service Company from 2008 to 2020 before founding J1 Capital LLC in 2020. J1 Capital LLC provides discretionary investment management and financial planning services to high-net-worth individuals, trusts, estates, charitable organizations, and business entities. The firm employs a macro-oriented, asset-allocation strategy that incorporates fundamental and technical analysis, routinely using options and other derivatives for income generation and hedging tailored to each client’s objectives and risk tolerance.

Shawn Hannegan is a CFP® professional with six years of experience as a financial advisor at Hannegan Wealth Management, LLC. He also owns and operates an accounting firm, Shawn P. Hannegan CPA, LLC DBA Hannegan & Associates, which he has managed since 2013. Prior to his advisory role, he worked at First Financial Bancorp for three years. Hannegan Wealth Management is an independent, single-advisor firm serving individuals, high-net-worth clients, corporations, and business clients. The firm employs a primarily passive investment approach focused on low turnover and tax efficiency, combining fundamental analysis with modern portfolio theory and utilizing third-party sub-advisors for portfolio management.

Brendan Koors is a financial advisor at Athyra Financial Partners in Cincinnati, OH, holding a Series 65 designation. He has no prior advisory industry experience but has worked at Saint-Gobain since 2022 and International Paper from 2020 to 2022, following five years as a full-time student. Athyra Financial Partners, LLC is a fee-only, state-registered investment adviser that provides investment management and comprehensive financial planning services to individuals, families, and select business owners. The firm follows a fiduciary standard and employs a disciplined, cost-conscious investment approach using low-cost ETFs and mutual funds, tailored asset allocation, and tax-aware strategies.

Robert Maher is a CFA® charterholder and financial advisor at Virgil Wealth Advisory with seven years of industry experience. He has previously worked at J.P. Morgan and First Data. Outside of his advisory role, he serves as Head of Ventures at National Veterinary Associates, where he focuses on developing innovative partnerships. Virgil Wealth Advisory provides investment management and financial planning services to individuals, high-net-worth clients, and small businesses. The firm employs a primarily passive investment approach using index mutual funds and ETFs, supplemented by fundamental analysis, and offers tailored portfolio management along with comprehensive financial planning and estate-planning assistance.

Jessica Tucker is the principal advisor at Innerworks Wealth Management in Cincinnati, OH, holding a Series 65 designation with three years of industry experience. Her prior work includes roles at Bullseye Investment Management and Keller Williams Advisors, along with a 14-year tenure at the Department of Defense. Outside of her advisory work, she is also a licensed real estate agent. Innerworks Wealth Management provides wealth management and financial planning services to individuals and high-net-worth clients, offering discretionary investment management and project-based planning. The firm’s investment approach combines fundamental, technical, cyclical, and charting analyses, using both passive and active strategies, and incorporates third-party managers under ongoing oversight.

Mark Schmerge is the president of Schmerge Executive Planning Services, Inc. in Cincinnati, OH, holding the ChFC® designation and Series 63 license with 44 years of industry experience. He has been with Fortune Financial Services, Inc. since 2012 and has led his own firm since 1989. Schmerge is also an independent insurance agent. Schmerge Executive Planning Services provides wealth management and financial planning for individuals, families, trusts, corporations, and company retirement plans. The firm employs model-driven investment strategies sourced from third-party research and manages portfolios on a discretionary basis with an emphasis on downside risk control.

Mark Redmond is a financial advisor at The Investment Engineer with 16 years of industry experience. He holds a Series 65 designation and has been the owner of Hendon & Redmond, Inc., an engineering and architectural firm, since 2000. The Investment Engineer provides investment supervisory services and portfolio management, focusing on asset allocation and long-term trading strategies primarily using ETFs. The firm serves a diverse client base including individuals, high-net-worth clients, pension plans, trusts, and charitable organizations, and manages portfolios with discretionary trading authority.

James Dunphy is a CFP® professional with 22 years of industry experience. He has been with Dunphy Wealth Management, Inc. since 2005. In addition to his advisory role, he provides tax preparation services. Dunphy Wealth Management serves individuals, IRAs, revocable living trusts, and small businesses with fee-only portfolio management, financial planning, and tax consultation. The firm combines investment management with accounting and tax services, offering diversified portfolios built from no-load, no-transaction-fee mutual funds and ETFs, as well as automated rebalancing and tax-loss harvesting options.

Jeffrey Spitzmiller is a CFA® charterholder with 21 years of industry experience. He has led Queen City Capital Management, LLC since 2012. The firm provides fee-only investment advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and other registered advisers. Queen City Capital Management applies a modified strategic asset allocation approach grounded in Modern Portfolio Theory, combining active mutual-fund allocations and ETF/ETN-based strategies, and offers services including asset management, consulting for workplace retirement programs, and institutional retirement plan support.

Brian Rigby is a Wealth Management Advisor with the Murphy Wealth Management Group at Merrill Lynch Wealth Management in Cincinnati, Ohio. He holds the Certified Investment Management Analyst® (CIMA®) designation from the Investments and Wealth Institute™ and has over 20 years of experience in the investment industry. Brian works with individuals and families to provide personalized guidance focused on investment management, retirement planning, college savings, retirement income, and wealth growth strategies. He also assists clients in developing net worth statements and provides expertise on maximizing Social Security benefits. In addition to serving personal clients, Brian and his team offer retirement plan consulting services to corporate clients, helping employers with fiduciary responsibilities through services such as Investment Policy Statement development, plan investment menu design, performance reviews, and employee education. His specialty areas include 401(k) and deferred compensation plans, executive stock option planning, and college savings analysis. Brian earned his bachelor’s degree from Westminster College and holds additional professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is involved in the community through organizations such as Junior Achievement and St. Columban Church. Brian resides in Loveland, Ohio, with his family.

John Smith is a CFA® charterholder with 10 years of industry experience. He is the sole advisor at Ten Talents Asset Management, where he has worked since 2021. Prior to this, he was employed at J.P. Morgan Institutional Investments Inc. and JPMorgan Investment Management Inc. from 2015 to 2021. Outside of his advisory role, he works as a real estate analyst for Cushman & Wakefield. Ten Talents Asset Management provides discretionary portfolio management and financial planning services to individuals, charitable organizations, and institutional clients. The firm employs a range of investment techniques and instruments, including derivatives and margin, and may utilize third-party managers to implement client mandates.

Timothy Koester is a CFP® with 12 years of experience in the financial services industry. He is the principal advisor at Phase Line Financial, having previously worked at firms including Journey Advisory Group, Ameriprise Financial Services, and U.S. Bancorp Investments. Koester serves as Treasurer on the Board of Directors for Cincinnati Therapeutic Riding and Horsemanship. Phase Line Financial provides investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, and businesses. The firm employs a combination of fundamental and technical analysis alongside modern portfolio theory, offering both discretionary and non-discretionary portfolio management through a wrap fee program.

Kristine O'Brien is a financial advisor based in Cincinnati, OH, with 18 years of industry experience. She is the sole advisor at Wealth Transitions, LLC, an independent firm she has been with since 2015. Kristine holds a Series 63 designation. Wealth Transitions, LLC provides advisory services to individual and high-net-worth clients, including ongoing portfolio management, financial planning, and qualified plan consulting. The firm manages client assets in-house, typically on a discretionary, long-term basis using modern portfolio theory, and offers educational seminars upon request.

Benjamen Jacobs is the sole advisor at Jacobs Wealth Management, LLC in Milford, OH. He holds a Series 66 designation and has 12 years of industry experience, including six years at WaterStone Investment Counsel, LLC. Jacobs is also a licensed insurance agent who may recommend insurance products to clients. Jacobs Wealth Management provides portfolio management, financial planning, and pension consulting services to individuals, high-net-worth clients, retirement plans, and business owners. The firm employs a combination of analytical methods and an automated Intelligent Portfolios Program, blending passive and active strategies while offering a specialized pension consulting service.

Michael Oconnell is a financial advisor at Linden Ash Capital with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Linden Ash Capital since 2006 and at Investacorp, Inc. since 1995. Oconnell is also involved with Retirement Capital Management in Cincinnati, providing financial advisory services. Linden Ash Capital offers discretionary investment management and financial planning services to individuals, trusts, and qualified retirement plans. The firm combines fundamental and technical analysis with a typical holding horizon of 12 to 18 months, serving a small client base to allow for individualized oversight.

Joseph Fondacaro Jr. is a financial advisor at Seven Hills Capital Advisors in Cincinnati, Ohio, with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Purshe Kaplan Sterling Investments, Inc. and Triad Advisors, Inc. since 2009. Seven Hills Capital Advisors is an independent registered investment adviser serving individuals, families, trusts, and charitable organizations. The firm focuses on asset allocation through equity securities, exchange-traded funds, and mutual funds, providing both discretionary and non-discretionary management alongside comprehensive financial planning.

Hello! I’m Andrew, the Founder of AJD Wealth Management. I have been in the financial services industry for over a decade and earned my CERTIFIED FINANCIAL PLANNER™ Designation in 2017. Since 2017, I have worked exclusively as a fee-only financial planner. Throughout my career, I have been fortunate to work with a wide variety of clients including retirees, pre-retirees, busy families, corporate retirement plans, etc. Prior to starting AJD Wealth Management, I was with a large fee-only firm in Cincinnati; and prior to that, a giant insurance company selling financial products. With AJD Wealth, I get to focus on what I enjoy most - building relationships with my clients, delivering great financial plans, and managing money. I am on the board of the Financial Planning Association (FPA) Southwest Ohio chapter and I am a member of the XY Planning Network. AJD Wealth is a fee-only advisory firm for busy families and retirees who are tired of only meeting with their advisor once a year and who don't want to be just another number at a large firm. Our clients are looking for a partner who can help them grow & preserve their wealth. Finances are personal; and a good, collaborative relationship is the bedrock of a solid financial plan. The goal of AJD Wealth is to consistently deliver a boutique-level of service to our clients.