Cincinnati, OH Office

Kyle Gleich is a financial advisor with W&S Brokerage Services, Inc. in New Albany, OH, holding Series 63 and Series 65 credentials and possessing 14 years of industry experience. He has been with W&S Brokerage Services since 2011 and also works as a full-time sales agent for Western Southern Life. Gleich serves as an alumni advisory board volunteer for St. Charles Preparatory School. W&S Brokerage Services, Inc. is an SEC-registered investment adviser and FINRA-member broker-dealer that offers a model-based, discretionary wrap-fee asset allocation program serving individual clients, retirement plans, and institutional accounts. The firm combines investment management with broker-dealer and insurance activities and uses both proprietary and third-party funds within its program.

Timothy Stearns is a financial advisor with W&S Advisory Services, LLC in Cincinnati, OH, holding Series 65 and Series 63 licenses and bringing 30 years of industry experience. He has been affiliated with Touchstone Securities Inc and IFS Financial Services Inc since 2013. W&S Advisory Services, LLC serves parents and custodians through a digital-first UGMA wrap-fee program via Fabric’s platform and offers comprehensive financial planning through Western & Southern Life agents. The firm employs a model portfolio approach with non-discretionary, automated allocations and is notable for its wrap-fee UGMA structure and fintech-enabled client onboarding.

Gareth Caluducan is a financial advisor at W&S Advisory Services, LLC with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with W&S Brokerage Services and Western Southern Life since 2016. Outside of his advisory role, Caluducan is involved in community outreach and serves on the board of a local career mentorship organization; he is also a co-owner of a professional wrestling training school and related apparel business. W&S Advisory Services, LLC serves parents and custodians through a digital-first UGMA wrap-fee program offered via Fabric’s platform, alongside comprehensive financial planning through Western & Southern Life agents. The firm employs a model portfolio approach managed by Fort Washington Investment Advisors and distinguishes itself by using a fintech-driven custody and onboarding process with fixed fees rather than traditional AUM-based billing.

James Hynd is a CFP® and ChFC® with 18 years of industry experience, currently serving as the sole advisor at W&S Advisory Services, LLC. He has been affiliated with W&S Brokerage Service since 2007 and Western Southern Life since 2006. Outside of his financial advisory work, he engages in personal development speaking engagements. W&S Advisory Services, LLC provides non-discretionary investment management for UGMA accounts through the Fabric by Gerber Life digital platform, primarily serving custodians managing minor beneficiaries' assets. The firm employs model portfolios managed by an affiliated sub-adviser and operates as a wholly owned subsidiary of Western & Southern Financial Group.

Robert Neff is a financial advisor with W&S Advisory Services, LLC, holding Series 65 and Series 63 credentials and bringing 11 years of industry experience. He has worked at Western Southern Life and W&S Brokerage Services since 2015. Outside of his financial career, Neff is the author of the book "Retirement: What Could Go Wrong?" and owns a YouTube channel focused on backyard BBQ content, generating revenue through ad sales and affiliate marketing. W&S Advisory Services serves parents and custodians through a digital-first UGMA wrap-fee program offered via Fabric’s platform, as well as standalone comprehensive financial planning. The firm employs non-discretionary, model-based portfolios managed with oversight from Fort Washington Investment Advisors and emphasizes a fixed-fee structure distinct from traditional asset-based billing.