UMB Financial Services, Inc.

Dail Blake is a financial advisor with UMB Financial Services, Inc. in Leawood, KS, holding Series 63 and Series 65 licenses and 28 years of industry experience. His prior work includes roles at Money Concepts Capital Corp and Country Club Financial Services, Inc., as well as two years with the Salvation Army. UMB Financial Services, Inc. primarily provides investment advisory and brokerage services to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program, offering multiple program options and a mix of model-based and manager-driven investment approaches.

Wayne Oltjen is a financial advisor with UMB Financial Services, Inc. in Overland Park, KS, holding Series 63 and Series 66 licenses and 23 years of industry experience. He has been affiliated with UMB Insurance Inc, UMB Financial Services Inc, and UMB Bank since 2007. Oltjen serves on the Investment Committee of the Church of the Resurrection Foundation Board of Directors, including time as committee chair. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program, offering a range of investment options including mutual funds, ETFs, and fixed income instruments. The firm employs a combination of model-based and manager-driven strategies and maintains affiliations with UMB Bank and UMB Investment Management to support portfolio construction and custody.

Stacia Lykins is a financial advisor at UMB Financial Services, Inc. with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at UMB Financial Services and UMB Bank since 1998. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program. The firm uses a combination of model-based and manager-driven approaches and offers multiple program options, including fixed income and mutual fund strategies.

Michelle Kraintz is a financial advisor with UMB Financial Services, Inc., holding a Series 66 designation and 16 years of industry experience. She has been with UMB Financial Services since 1997 and has worked with UMB Bank since 1990. Outside of her advisory role, she serves as secretary for the Belleville Oktoberfest nonprofit and treasurer for the Carrington Place Homeowners Association, both on a volunteer basis. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program. The firm employs a mix of model-based and manager-driven investment approaches and offers access to a broad range of mutual funds, ETFs, municipal securities, and fixed income instruments.

Darci Emerson is a financial advisor at UMB Financial Services, Inc. in Kansas City, MO, holding a Series 66 designation with 23 years of industry experience. She has been with UMB Financial Services and UMB Bank since 2014. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program, offering various portfolio options that include mutual funds, ETFs, municipal securities, and fixed income instruments. The firm utilizes a combination of model-based and manager-driven investment approaches and maintains affiliations with UMB Bank and UMB Investment Management.

Daniel Shearman is a financial advisor with UMB Financial Services, Inc., holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Financial Engines Advisors L.L.C., Mariner Wealth Advisors, and Waddell & Reed Inc. He is also affiliated with UMB Bank, n.a. in an investment-related capacity. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through various wrap-fee programs. The firm employs both model-based and manager-driven investment approaches and maintains a unique structure as a registered municipal advisor, FINRA-member broker-dealer, and affiliate of UMB Bank and UMB Investment Management.

Chloe Alexander is a financial advisor at UMB Financial Services, Inc. in Kansas City, MO, holding a Series 66 designation with seven years of industry experience. She has been with UMB Financial Services since 2018 and previously worked at Starbucks from 2013 to 2018. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program, offering multiple program options and access to a range of investment products including mutual funds, ETFs, and fixed income instruments. The firm employs both model-based and manager-driven approaches and integrates municipal advisory and broker-dealer functions alongside its banking affiliate.

James Carlile is a financial advisor with UMB Financial Services, Inc. in Kansas City, MO, holding a Series 66 designation and 10 years of industry experience. He has been with UMB Financial Services since 2015 and concurrently works with UMB Bank since 2013. Carlile serves as a director for the Association of Military Banks of America. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program. The firm uses a combination of model-based and manager-driven investment approaches and offers multiple program options including fixed income and mutual fund strategies.

Karen Numi is a CFP® professional with 24 years of industry experience, currently serving at UMB Financial Services, Inc. in Collinsville, IL. She has worked with UMB Insurance Inc., UMB Bank, and SWBC Investment Services, LLC over her career. UMB Financial Services, Inc. primarily provides investment advisory and brokerage services to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program, utilizing a mix of model-based and manager-driven investment approaches.

Jessica O'Shea is an advisor with UMB Financial Services, Inc. in Madison, WI, holding Series 63 and Series 65 designations. She is part of a firm that includes 56 total advisors. UMB Financial Services, Inc. offers advisory and brokerage services to a diverse client base including individuals, trusts, retirement plans, institutions, and municipal entities. The firm employs a documented suitability review and risk-tolerance process to guide clients into various model-based investment strategies across discretionary and non-discretionary platforms.

Jake Crater is a financial advisor with UMB Financial Services, Inc. in Dallas, TX, holding Series 65 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Goldman Sachs, J.P. Morgan Chase Bank, J.P. Morgan Securities, Folio Investments, and Partners Finance. He is also affiliated with UMB Insurance and UMB Bank as part of his professional activities. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program. The firm employs a combination of model-based and manager-driven investment approaches and offers multiple program options, including discretionary and non-discretionary solutions.

Michael Simon is a financial advisor at UMB Financial Services, Inc. with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo Clearing, Ameriprise, and Comerica Bank. Outside of his advisory role, he is the owner of Princess Jewels, a retail business in Phoenix, AZ. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program, offering multiple investment program options and combining model-based and manager-driven approaches.

Kevin Hosey is a financial advisor at UMB Financial Services, Inc. with 11 years of industry experience. He holds the Series 66 designation and has worked at UMB Financial Services and UMB Bank since 2016, following prior roles at BancWest Investment Services and Bank of the West. UMB Financial Services, Inc. primarily provides investment advisory and brokerage services to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program, offering multiple program options and a mix of model-based and manager-driven investment approaches. The firm is notable for its dual registration as a municipal advisor and broker-dealer, its affiliation with UMB Bank and UMB Investment Management, and its focus on discretionary and non-discretionary advisory programs including institutional fixed income strategies.

Michael Sabetta is a financial advisor with UMB Financial Services, Inc. in Gilbert, AZ, holding Series 63 and Series 65 credentials with 12 years of industry experience. He has been with UMB Financial Services since 2012 and also works with UMB Bank, where he has been employed since 2010. He serves as a board member of Big Brothers Big Sisters of Central Arizona. UMB Financial Services, Inc. provides investment advisory and brokerage services primarily to institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program, offering access to mutual funds, ETFs, municipal securities, U.S. government obligations, and other fixed income instruments. The firm uses a combination of model-based and manager-driven investment approaches and is affiliated with UMB Bank and UMB Investment Management.

Katherine Shands is a financial advisor with UMB Financial Services, Inc., holding a Series 66 designation and 10 years of industry experience. She has been with UMB Financial Services and UMB Bank since 2014. Outside of her advisory role, she serves as a committee member for the Shrewsbury Aquatic Center Exploration Committee, which conducts research and provides recommendations regarding community aquatic facilities. UMB Financial Services, Inc. primarily serves institutional clients, pooled vehicles, and municipal entities through its UMB Managed Account Solutions wrap-fee program. The firm employs both model-based and manager-driven investment approaches, offering access to a range of mutual funds, ETFs, municipal securities, and fixed income instruments.