David Wassmuth is a financial advisor at Central Point Wealth Management LLC with two years of industry experience. He holds a Series 65 designation and has served as a program manager in the United States Air Force since 2005. Central Point Wealth Management is a small independent firm offering financial planning, asset management, and hourly consulting services to individuals, trusts, estates, charitable organizations, and business entities. The firm emphasizes tailored plans and ongoing monitoring, primarily managing client assets on a non-discretionary basis while also providing discretionary services where authorized.

Ronald Alban is a financial advisor at Alban Investment Management, LLC with 23 years of industry experience. He holds a Series 65 designation and has been with Alban Investment Management since 2002. Alban Investment Management provides discretionary investment management and advisory services to individuals, families, trusts, and small businesses. The firm employs a combination of fundamental, cyclical, and long-term trend analysis to manage diversified portfolios using low-cost ETFs and discount execution, with quarterly reviews and performance reporting.

Bryon Spicer is a financial advisor with Truvestments Capital LLC and holds Series 63 and Series 65 designations. He has 28 years of industry experience, including prior roles at Luminist Capital, LLC, and operating his own firms, Spicer Wealth Management and Spicer Financial Services, where he provides services such as tax preparation and insurance. Truvestments Capital LLC serves a diverse client base including individuals, trusts, private funds, and charitable organizations, offering asset management, financial planning, and sub-advisory services. The firm integrates fundamental, technical, and cyclical analysis in portfolio construction and acts as investment manager to a private fund focused on long-term Bitcoin holdings.

Sunil Kulkarni is a CFA® charterholder with 19 years of industry experience and holds a Series 66 license. He is the sole advisor at Nuts2Invest.com, LLC and has worked at Emerson Electric since 2002, where he is involved in engineering management and new compressor product development. Nuts2Invest.com, LLC provides an online subscription platform offering portfolio-building and security-ranking tools for individual investors. The firm uses a proprietary software engine to generate objective rankings and portfolio recommendations, serving users who implement their own investment decisions.

Kevin O Connor is a financial advisor with Ram and Oak Investment Partners, LLC. He holds a Series 65 designation and has five years of industry experience. Prior to founding his current firm, he worked at Artifex Financial Group, LLC and Morgan Stanley Smith Barney. Ram and Oak Investment Partners LLC provides discretionary asset management and integrated financial planning services to individual and high-net-worth clients, combining fundamental and technical analysis to build client-specific strategies. The firm also offers tax-preparation services to advisory clients at no additional fee as an ancillary benefit.

Alisa Livesay is a CFP® credentialed financial advisor with 21 years of industry experience, currently operating at ALC Investment Advisory Services, LLC in Dayton, Ohio. She has been affiliated with the University of Dayton since 2005 and has owned ALC Financial Services since 1998. Outside of advising, she owns a business that produces and designs beaded jewelry and accessories. ALC Investment Advisory Services provides financial planning and portfolio management to individuals, trusts and estates, corporations, and pension and profit-sharing plans. The firm uses fundamental analysis to create individualized investment policies, generally favoring a longer-term approach while accommodating shorter-term strategies aligned with client goals.

Max Heintz is a CFP® professional with 24 years of experience in financial advising. He is the principal of MFH Investments Inc. in Dayton, OH, and has operated M.F. Heintz CPA, Inc. since 2001. Heintz holds both CPA and CFP credentials and divides his time between financial advisory and accounting services. MFH Investments, Inc. serves individual, business, and trust clients with financial planning and discretionary asset management, employing a combination of active equity analysis and passive investment strategies tailored to client risk tolerance. The firm integrates its advisory services with a related accounting practice, providing tax compliance and planning to overlapping clients.

Michael Reichard is a Series 63-licensed financial advisor with Emmaus Investor Services Corp. in Dayton, OH, where he has worked since 2006. He has 21 years of industry experience, including time at Jubilee Investor Services, LLC. Outside of advising, he is also active as a stock trader. Emmaus Investor Services provides fee-only advisory services to individual investors, focusing on portfolio management and a separate portfolio review service. The firm employs a combination of fundamental, technical, and cyclical analysis supported by third-party research and offers both discretionary and non-discretionary advice tailored to clients' financial profiles and risk tolerances.

Adam Betzelberger is a financial advisor at Ridge and Republic Financial in Dayton, OH, holding a Series 65 credential with one year of industry experience. Prior to joining Ridge and Republic Financial, he operated educational programs focused on financial literacy for teens through the Outschool platform and runs RPGClub.net, an online platform organizing virtual tabletop roleplaying games. Ridge and Republic Financial is a single-advisor independent firm serving individual clients with portfolio management and a range of financial planning services. The firm employs professionally managed third-party model portfolios tailored to clients’ risk profiles and implements risk-tolerance assessments and capital-preservation strategies where appropriate.

James Nunez is a financial advisor at Agora Investments with 22 years of industry experience. His prior roles include positions at J.W. Cole Advisors, Inc., Global Financial Private Capital, LLC, and Redhawk Wealth Advisors, Inc. Outside of advisory work, he owns a Texas Beef and Cattle Company. Agora Investments provides portfolio management and investment advisory services to individuals, high-net-worth clients, charitable organizations, corporations, and municipal entities. The firm employs a range of analytical methods and incorporates both long-term and short-term trading strategies, including higher-risk tools such as margin, short sales, and options trading.

Fiduciary Financial Advisor Serving Dayton, Ohio. Retirement Planning that stays in sync with your life. Providing fee-only wealth management, designed to handle the math so you can enjoy the music. Since 2015, I've helped families in Dayton and Southwest Ohio retire with confidence and arrange their investments to support lasting and tax-efficient retirement income. Before founding Stage Ready Financial Planning, I was a Financial Planner at a large financial company, where I realized that the families I was lucky to serve deserved a more personal and dynamic partnership. I wanted to help them orchestrate a plan that stays "in step" with their evolving retirement. With a background in music education and over a decade of experience in financial planning and wealth management, I'm a big believer that a confident retirement begins with understanding. I don’t just manage investments; I "handle the math" and always try to educate my clients so that they're empowered to make informed decisions about their money. In addition to my years of experience, I've earned a bachelors degree from Wright State University, a masters degree from the University of Houston, along with an Executive Certificate in Financial Planning from Xavier University. As a CERTIFIED FINANCIAL PLANNER® professional and a member of the XY Planning Network and NAPFA, I'm committed to the highest fiduciary standards. My wife Kristen and I live in Oakwood with our awesome (and loud) dachshund pups, Lily and Henry. When I’m not "at the podium" helping clients, you can find me enjoying music, lifting weights, dreaming about swimming in the ocean, grilling with friends, and spending time with my family.

Steven Crane is a ChFC® credentialed financial advisor with one year of industry experience, currently serving as the principal at Financial Legacy Builders. He has a background that includes founding multiple ventures focused on veteran support, wellness coaching, and consulting. Crane is also an author and speaker, engaging in public education through books, articles, and media appearances. Financial Legacy Builders provides wealth management and financial planning services to individual and high-net-worth clients. The firm employs a combination of passive and active investment strategies based on asset allocation and Modern Portfolio Theory, and it operates discretionary relationships through third-party managers and model portfolios.

Michelle Ruddy is a CFP® with 27 years of industry experience. She is the principal of VWR Financial Advisory Services, where she has worked since 2008, and has prior experience with Silver Oak Securities, Inc. and Securities Service Network, Inc. Ruddy is also COO of Sapphire Income Solutions, LLC, an Ohio registered investment advisory firm. VWR Financial Advisory Services provides investment management and financial planning to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm employs an active, tactical investment approach incorporating technical and fundamental analysis, with portfolio strategies that include mutual funds, ETFs, and ESG screening.

Joey Allen is the sole advisor at Reaching Upward Financial Solutions LLC in Dayton, OH, holding a Series 65 license with three years of industry experience. He is also President of Sunburst Resources Inc and North Fork Oil & Gas Corporation, roles he has held for over two decades. In addition, Allen holds an active Illinois Managing Real Estate Broker license, though he is not actively practicing as a broker. Reaching Upward Financial Solutions provides portfolio management, financial planning, tax preparation, and educational seminars to individuals, retirement plans, and charitable organizations. The firm customizes advice based on documented client objectives and risk tolerance, employing long-term trading strategies with a mix of mutual funds, equities, ETFs, fixed income, and private placements.

Elizabeth Bibeau Salinas is a financial advisor at Artifex Financial Group, LLC with a Series 65 license and two years of industry experience. She has worked at Artifex Financial Group since 2021 and has previously been employed at Soltis Investment Advisors and several other companies. Artifex Financial Group provides fee-only financial planning and investment management to individual and institutional clients, integrating financial planning into its investment process and emphasizing strategic asset allocation and global diversification. The firm operates a Private Direct Investments program and offers a combination of traditional advisory services with digital and sub-advised solutions.

Tyler Behnken is a financial advisor at Miami Valley Portfolio Management Inc with two years of industry experience. He holds a Series 66 designation and has held prior roles at StoneX Securities Inc, STC Securities and Insurance Training, and several insurance-related positions. Outside of his advisory work, he is involved in aerial photography and videography through a separate contracting business. Miami Valley Portfolio Management, Inc. provides discretionary portfolio management primarily for individual and high-net-worth clients, as well as foundations, estates, and trusts. The firm employs an active, tactical allocation strategy based on technical signals and offers multiple proprietary investment models.

Caden Beam is a financial advisor at Pathways Wealth Management, Inc. with one year of industry experience. He holds a Series 65 designation and has prior experience at L.M. Kohn & Company and University of Dayton. Beam is also involved in client services at Vision Financial Partners, LLC. Pathways Wealth Management advises individuals and various entities, including trusts and qualified retirement plans, offering investment management and personalized financial planning. The firm serves both high-net-worth and non‑HNW clients, employing tailored asset allocation plans with a mix of discretionary and non‑discretionary management.

Alexander Browning is a financial advisor at Artifex Financial Group, LLC with four years of industry experience. He holds a Series 65 designation and previously worked at Soltis Investment Advisors, Perry proTech, Cox Media Group, and Vivial, LLC. Artifex Financial Group provides fee-only financial planning and investment management to individual and institutional clients, integrating comprehensive financial planning with investment processes that emphasize strategic asset allocation and global diversification. The firm offers a range of services including retirement consulting, tax preparation, and a Private Direct Investments program requiring accredited client standards.

Jacob Adams is a financial advisor at Monetary Solutions, Ltd. with a Series 65 designation and one year of industry experience. Prior to joining Monetary Solutions, he worked with Goldshot, Lamb & Hobbs, Inc. and Northwestern Mutual, and he played collegiate summer baseball while attending Ohio Dominican University. Monetary Solutions, Ltd. provides investment advisory and portfolio management services to individuals, trusts, profit-sharing plans, and corporate clients. The firm focuses on strategic asset allocation, global diversification, and valuation-based investments primarily using no-load mutual funds and ETFs, managing accounts on a discretionary basis.

Beau Bryant is a CFP® with 13 years of industry experience, currently with Sound Financial Investment Management, LLC. His prior roles include positions at J.P. Morgan Securities and Resolute Wealth Advisor, Inc. Outside of advisory work, he owns BBTP, LLC, which provides data and tax preparation review services as an independent contractor. Sound Financial Investment Management, LLC offers portfolio management, financial planning, and pension consulting services to individuals, high-net-worth clients, and ERISA retirement plan participants. The firm employs both fundamental and technical analysis, uses a range of trading strategies, and refers client assets to third-party advisers while conducting due diligence and performance reviews.