2014 Financial & Charitable Planning
PL AN FOR
LIFE
BROUGHT TO YOU BY:
Wealth Management is just the
start.
A successful financial plan starts with a strong relationship between you and your trusted advisor.
SOLUTIONS FOR INVESTORS P L A NNING I N V ESTING
At Fort Washington we have the experience, tools and approach to assist you in developing a comprehensive strategy for your financial future. We collaborate with you and your tax and legal professionals to tailor a plan to help meet your unique objectives.
Getting started is easy. Contact Rick Krawczeski, CFP at 513.361.7683 or visit us at fortwashington.com
GIVING B U D GETING W E A LT H T R A NSFER
Financial & Charitable Giving
PLAN FOR
LIFE
n behalf of The Financial Planning Association of Southwestern Ohio, welcome once again to our annual publication. This year’s theme is “PLAN FOR LIFE.” Articles inside include ideas that can help you with your personal planning. Our members consist of financial planners, investment managers, insurance agents, bank trust officers, attorneys, accountants and other allied professionals who are dedicated to helping you achieve your financial goals. Most members are credentialed professionals who adhere to a strict code of ethics and participate in educational requirements of his or her firm or practice, license and/or designation. It’s my hope that you will use this publication as a starting point toward securing financial success.
Michael Armstrong, Director
Chris Davis, Director
Nathan Duncan, Chairman 2014
Henrietta Nye, Director
Our members have the same goal of helping clients, and the public, make the best decisions possible with regards to their financial well being. They are ready to help you. When a group of financial professionals of this caliber comes together for the betterment of the profession, it has a positive impact on our community. Our members give back through numerous community service projects that promote financial literacy and help develop the next generation of financial professionals at local universities. To read more articles and learn more about our members and the Financial Planning Association, please visit www.fpacinti.org. You may contact our office with additional questions at 513-554-3063.
2014 FPA O F S O U T H W E S T E R N O H I O
O
FPA OF SOUTHWESTERN OHIO
Best Wishes,
Walter R. Wilson, CFP® 2014 President
Brian Summe, Director
PLEASE ACCESS ADDITIONAL ARTICLES and our membership directory at www.fpacinti.org/forthepublic
SUPPLEMENT TO
Eric Harmon: Publisher and President Julie Bethlenfalvy: Custom Editor Keith Ohmer: Publication Designer
Kristine McDonough: Advertising Manager Keith Ohmer: Production Coordinator On the cover: istockphoto.com
Financial & Charitable Giving
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Financial & Charitable Giving
Maximizing Giving While Helping to
REDUCE TAXES By Charlotte A. Dougherty, CFP®, Dougherty & Associates
M
any Americans want to donate to their favorite charities or communities. But let’s face it, unless you’re Bill Gates, your charitable decisions need to factor in plans to leave a legacy for your children while securing enough money to help meet your own needs. There are ways you can give while simultaneously saving on taxes and transferring wealth to your heirs. On the federal level, ordinary income is taxed at rates as high as 39.6 percent. Estate tax rates can be as high as 40 percent. This means that about one-third of what you earn while alive and nearly one-third of your net worth above the allowable exclusion amount could go to the government instead of to your heirs. If your net worth is $5.25 million or less at the time of your death in 2013, no estate tax is due. If you think a well-run nonprofit can better allocate your wealth to important causes than the government, there are several ways to give that can minimize your tax burden while maximizing your charitable impact.
Donating appreciated securities to charities is one of the easiest giving methods that produces a positive tax result. An income tax deduction is allowed for the market value of public stocks or bonds you give away, which reduces your estate in the process. As with most types of charitable giving, make sure you’re giving to an IRS-approved 501(c)(3) nonprofit. Other private charities could yield a different result.
and payable upon your death—free of estate taxes—to the beneficiaries. This is a great way to liquidate a highly appreciated concentrated stock position and not pay taxes right away. You gift shares to the trust, which then sells them at market price and invests the proceeds in a diversified portfolio. You eliminate the risk of holding that concentration while locking in a stream of lifetime income.
More sophisticated strategies involve creating trusts or foundations to hold assets and to direct the giving. A popular method is a charitable remainder trust (CRT), an irrevocable trust that pays the donor a lifetime stream of income now and then passes the remainder to charity later. You receive an income-tax deduction for the present value of the eventual charitable gift when you gift the assets to the CRT while reducing the value of your estate along with any future appreciation.
Another option is the charitable lead trust (CLT), which reverses the payments and original asset gift. You gift the cash flow or income stream from the appreciated assets to the CLT so the charity receives income now. Your heirs receive the depreciated original asset later. If structured properly, the remaining value of the original asset will be substantially reduced including any estate taxes that would’ve been levied against it.
To leave a legacy for your family, you can use the tax savings and a portion of the income stream from the CRT to fund the purchase of life insurance, which is held in a separate trust
A family foundation is a more sophisticated method. A private charity set up by you, it is generally required to spend at least 5 percent of its endowment to public charities each year. Gifting appreciated assets to a charity or family foundation results in the availability of an immediate income tax deduction while reducing the value of your estate. Family foundations are a great way to perpetuate your values and to gain control over giving decisions for generations to come. Charlotte A. Dougherty, CFP® is a registered representative and investment advisor representative of Lincoln Financial Advisors Corp., a broker-dealer (member SIPC) and registered investment advisor, 4030 Smith Rd, Suite 400, Cincinnati, OH 45209, 513-745-7007. This information should not be construed as legal or tax advice. You may want to consult a tax advisor regarding this information as it relates to your personal circumstances. The content of this material was provided to you by Lincoln Financial Advisors for its representatives and their clients.
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Financial & Charitable Giving
Lifelong Financial Strategies The CFP Board (reprinted with permission) In celebration of CFP Board’s 25 years, Eleanor Blayney, CFP®,CFP Board’s Consumer Advocate, rolled out a series of 25 relevant and timely tips and strategies for the five key milestone phases in a person’s life. You may access this entire article and others through the FPA at www.fpacinti.org/forthepublic. Stage 1 - The Starting Out Years Age range: 18-25. These are critical years where your choices about education, employment and debt management can have a major impact on your financial situation for decades to come.
Financial Planning: A Critical Element of Life Planning By Bill Schretter, CLU, ChFC, CFP®
I
n today’s economy, financial planning has become increasingly important. Creating a financial plan helps you see the big picture, set long-term and short-term life planning goals. Financial planning is a major component of your personal Life Plan.
the specific goals and risks of your major life events, an insurance plan to protect them, an investment and income plan to afford them, a tax plan to increase after-tax income, and an estate plan to transfer charitable donations and residual wealth according to your legacy goals.
In Life Planning, you envision the life that you want and the legacy you want to leave behind. You plan for outcomes that you hope for in life such as career, marriage, family, service, philanthropy, and more. By identifying your dreams, you begin to develop your Life Plan.
In my 13 years in the financial industry, I have witnessed the importance of having current estate documents and financial plans that correlate with your life goals, the care of your family and the fulfillment of your legacy. I and the other professionals in the FPA of Southwestern Ohio can help you craft your comprehensive Financial Plan. To learn more, visit www.efrj.us and www.fpacinti.org.
We all have dreams for ourselves and our spouses, our kids, our family and the charities that we support. Through the process of financial planning, we project the cost of those dreams and devise the plan that seeks to achieve them. True financial planning is a multi-step ongoing process that identifies your goals, considers how to preserve those goals against inherent life risks, and then calculates how to best finance your goals. A comprehensive financial plan includes
Bill Schretter is a Financial Advisor with Raymond James Financial Services, 6450 Poe Ave, Suite 115, Dayton, OH, 45036, 937-280-4977, bill. schretter@raymondjames.com. Securities offered through Raymond James Financial Services, Inc.; Member FINRA, SIPC.
Stage 2 - The Nesting Years Age range: 25-40. In this phase, you face important decisions about marriage, children, buying a home and building a career. Understanding the financial implications of these decisions is critical to lifetime success. Stage 3 - The Prime Time Years Age range: 40–55. Usually, this is the time when you find yourself with more discretionary income. But there may be a lot of demands on that income. Advice is needed about college tuition, helping elderly parents and catching up on retirement savings. Stage 4 - The Wealth Accumulation Years Age range: 55-65. Retirement is coming. Will it be a time of reinvention or a period of just getting by? Choices about lifestyle, spending and investing can make all the difference. Stage 5 - The Reinvention Years Age range: 65 and over. These can be the best years of your life: new interests, part-time work or volunteer activity, travel, more time with family and friends. It all depends on good management of your financial resources. “Financial planning isn’t just for the wealthy. It’s for everyone,” Blayney says. “In a world where people are more responsible than ever for their financial lives, it’s important that people understand the key things they need to do in each phase of their life.
PLEASE ACCESS ADDITIONAL ARTICLES and our membership directory at www.fpacinti.org/forthepublic Financial & Charitable Giving
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Financial & Charitable Giving
Are All Your Retirement Eggs In One Basket?
W
hen it comes to saving for retirement, most people recommend utilizing a 401(k) or a qualified plan to which the individual has access. Theoretically, you contribute during the highincome (and high-tax) years and then make withdrawals once you’ve retired and are in a supposedly lower tax bracket. What will the tax rates be in the future? Given the growth of the Federal deficit and looming state pension
liabilities on the horizon, are you willing to bet your retirement income that tax rates will be lower? What’s a saver to do? Plan ahead. Devise a strategy for the distribution phase of your retirement by developing specific goals and spending priorities that can give you the information you need to know today. This may include different pools of assets from which you may draw in the future. By having qualified, nonqualified and tax-free assets you may be
able to mix your distributions based on the most favorable tax rate instead of being locked in to just one asset type and the prevailing income tax rates. Written by Rick Krawczeski CFP, VP of Financial Planning, for informational purposes only. Should not be considered as investment advice. Additional information about our investment and financial planning services is available at www. fortwashington.com.
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Thank You to Our Sponsors The FPA of Southwestern Ohio appreciates and acknowledges the sponsorship by the following firms of our public financial literacy programs and our professional continuing education programs. These firms help us to serve the public better. PLEASE ACCESS ADDITIONAL ARTICLES and our membership directory at www.fpacinti.org/forthepublic
Planning, Coaching, & Advising since 1984 Decisions we can help with....
• Can I afford to retire? • Should I rollover my Retirement Plan? • Will my money last? • Having the Family Inheritance Discussion • Perhaps I’d like a Second opinion on my investments We have been successful at navigating these decisions with our clients for over 30 years by utilizing The Money Coaching System
C. Michael Johnson, CFP® President & Founder
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Call Angie at Wealth Planning Corporation
(513) 733-1750 • www.wealthp.com
3801 Sharon Park Lane, Suite 125 • Cincinnati, OH 45241 Financial & Charitable Giving
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MEMBERSHIP DIRECTORY AHR – DINSMORE
ALPHABETICAL BY LAST NAME
BARRY AHR CPA, CFP®, AIF® Miccoli, Ahr & Associates 8044 MONTGOMERY RD STE 410 CINCINNATI OH 45236 (513) 794-1370 BARRY@MICCOLIAHR.COM DAVID ALEX CPA, CFP® Alex & Company, CPAs 8044 MONTGOMERY RD TOWERS OF KENWOOD STE 720 CINCINNATI OH 45236 (513) 794-1900 DAVID@ALEXCPA.NET MICHAEL AMSTUTZ FINANCIAL ADVISOR First Command Financial Planning 4407 WALNUT ST STE 210 BEAVERCREEK, OH 45440 (937) 429-4490 MPAMSTUTZ@FIRSTCOMMAND.COM PETER ANDERSON CFP® FINANCIAL ADVISOR Principal Financial Group 4555 LAKE FOREST DR NO 230A CINCINNATI, OH 45242 (513) 489-0811 X 104 ANDERSON.PETER@PRINCIPAL.COM DAVID ANNEKEN CFP® PRESIDENT Wealth Investment Network, Inc. 909 WRIGHTS SUMMIT PKWY STE 130 FORT WRIGHT, KY 41011 (859) 344-7460 DANNEKEN@CPAWIN.COM NATHAN BACHRACH CHIEF EXECUTIVE OFFICER The Financial Network Group 7890 E KEMPER RD STE 200 CINCINNATI, OH 45249 (513) 469-7500 NATHANB@FNGLTD.COM HARRY BADANES CFP® J D Cloud & Co LLP 1100 MERCANTILE CENTER 120 E FOURTH ST CINCINNATI, OH 45202-4070 (513) 621-1188 HBADANES@JDCLOUD.COM AMY BARKER CFP®, CFA Parker Carlson & Johnson 7812 MCEWEN RD STE 400 DAYTON, OH 45459 (937) 223-0600 ABARKER@PCJINVEST.COM KATHLEEN BENJAMIN CFP®, CPA Benwood Financial Group 7529 C STATE RD CINCINNATI, OH 45255 (513) 232-7078 KATHLEEN@BENWOOD.COM
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PAUL BERGMAN CFP® Ameriprise Financial Services, Inc. 4760 RED BANK RD STE 220 CINCINNATI, OH 45227-1542 (513) 272-3223 PAUL.J.BERGMAN@AMPF.COM BRUCE J. BERNO CFP® PRESIDENT Berno Financial Management 7454 JAGER CT CINCINNATI, OH 45230-4344 (513) 474-9191 BRUCE@BERNOFINMGT.COM DINAH BIRD PH.D., CFP®, CIMA Freeman Heyne 10250 ALLIANCE ROAD SUITE 125 CINCINNATI, OH 45242 (513) 489-8588 DBIRD@FREEMANHEYNE.COM JOHN BORCHERS CFP® FINANCIAL ADVISOR Merrill Lynch 2600 KETTERING TOWER DAYTON, OH 45423 (937) 225-2637 J_BORCHERS@ML.COM JAMES BRENNAMAN Fiduciary Insurance Group 10 IVANHOE AVE DAYTON, OH 45419 JBRENNAMAN@FIDUCIARYINS.COM RONALD BRENNER CFP® VICE PRESIDENT FINANCIAL CONSULTANT Charles Schwab 4000 SMITH RD STE 100 CINCINNATI OH 45209 (513) 361-8627 RON.BRENNER@SCHWAB.COM E. BRITTON CPA/PFS, CFP® WEALTH PLANNER Fifth Third Bank 3922 SECTION ROAD CINCINNATI, OH 45236 (513) 534-7122 DAVID.BRITTON@53.COM NANCY BROWN CFP® MANAGER One To One Financial Services, LLC PO BOX 73 SOUTHWEST HARBOR, ME 04679 (513) 985-0121 NJBROWN121@FUSE.NET SHANNON BRYANT DIRECTOR Keir Educational Resources 273 LIVINGSTON CT HAMILTON, OH 45013 (513) 422-4860 SBRYANT@KEIRSUCCESS.COM
JAY BUCKINGHAM CFP® Buckingham Financial Group, Inc. 6856 Loop Rd Dayton, OH 45459-2159 (937) 435-2742 service@buckinghamfinancial.com DAN BUSSONE CFP® FINANCIAL PLANNER Dean Financial Advisory, LLC 4107 SETTLE ST CINCINNATI, OH 45227-3037 (513) 272-8322 DBUSSONE@CINCI.RR.COM JAKE BUTCHER Hengehold Capital Management 6116 HARRISON AVE CINCINNATI, OH 45247 JAKE@HENGEHOLDCAPITAL.COM KENNETH BYERS CLU, CHFC PRESIDENT Ken Byers and Associates 7710 SHAWNEE RUN RD CINCINNATI, OH 45243 (513) 561-0011 KEN@KENBYERS.COM BRUCE CALDWELL 9916 HACKBERRY CENTERVILLE, OH 45458 BRUCE.CALDWELL1@GMAIL.COM DEBORA CALEY PRESIDENT MANAGING MEMBER Richwood Investment Advisors, LLC 5082 WOOSTER RD UNIT 100 CINCINNATI, OH 45226 (513) 871-0123 DCALEY@RICHWOODIA.COM CHRISTINE CARLETON CFP® INVESTMENT ADVISOR The Asset Advisory Group 9200 MONTGOMERY ROAD CINCINNATI, OH 45242 CLCARLETON@TAAGINC.COM ERIK CHRISTMAN CFP®, CPA MANAGING PARTNER Oxford Financial Partners 8050 HOSBROOK RD STE 200 CINCINNATI, OH 45236 (513) 469-7014 ERIK@OXFORDFP.COM BRAD CLEETON First Command Financial Services 4407 WALNUT ST STE 210 BEAVERCREEK, OH 45440 (937) 429-4490 BDCLEETON@FIRSTCOMMAND.COM MICHAEL COZAD CFP®, MSFS Smith, Moses & Company, LLC 2149 N FAIRFIELD RD STE B BEAVERCREEK, OH 45431 (937) 431-8010 MICHAELCOZAD@FSCADVISOR.COM
STEPHEN CRONE CHFC, CFP® Wilson Crone 250 W COURT ST SUITE 125 E CINCINNATI, OH 45202 (513) 784-1600 SCRONE@VSRFIN.COM BARBARA CULVER CFP®, CLU, CHFC®, AEP® PRESIDENT AND PRINCIPAL OWNER Resonate, Inc. 8837 CHAPELSQUARE DR STE B CINCINNATI, OH 45249 (513) 605-2500 X 211 BCULVER@RESONATECOMPANIES.COM SUSAN CUMMINGS CFP® Stock Yards Bank & Trust 23 CAMARGO CANYON DR CINCINNATI, OH 45243 (513) 824-6115 SUE.CUMMINGS@SYB.COM THOMAS D’AMICO CFP®, CHFC Allstate Financial Services 1377 E STROOP RD STE 312 KETTERING, OH 45429 (937) 776-1770 THOMASJDAMICO@AOL.COM DAVID DALTON CFP®, JD FINANCIAL PLANNER Dalton Wealth Management 7237 CINCINNATI DAYTON RD STE 202 WEST CHESTER, OH 45069 (513) 785-3512 DALTONWEALTH@DALTONWEALTH.COM CHRISTOPHER DAVIS University of Cincinnati College of Business 936 S STATE ROUTE 741 LEBANON, OH 45036 WOODWORKC@GMAIL.COM JOSHUA DEETER CFP® Deeter Advisory Group, LLC 1010 DELTA AVE STE 1 CINCINNATI, OH 45208 (513) 289-5056 JOSH@DEETERADVISORY.COM JOHN DEXTER CFP® FINANCIAL ADVISOR Trinity Wealth Management 8041 HOSBROOK ROAD STE. 422 CINCINNATI, OH 45236 (513) 794-2870 BROCK@GOTRINITYWEALTH.COM CLYDE DIAL 7485 GINGER LN CINCINNATI, OH 45244 (513) 231-5366 38PENFP@FUSE.NET DAVID DINSMORE CFP®, BCBA, RFC PRINCIPAL www.CertifiedBusinessAppraisal.com 6192 SILVER WOOD DR MORROW, OH 45152 (513) 266-3226 VALUATION@CERTIFIEDBUSINESSAPPRAISAL.COM
DONALDSON - HENN KENNETH DONALDSON CFP®, CTFA SENIOR PORTFOLIO MANAGER US Bank 425 Walnut Street CN-OH-W10P CINCINNATI, OH 45202 (513) 632-2460 KENNETH.DONALDSON@USBANK.COM ROBERT DONELAN 887 ROSEWOOD DR VILLA HILLS, KY 41017 REDONELAN@GMAIL.COM MELISSA DONOVAN CFP® 2092 RIVERWOOD TRAIL KINGS MILLS, OH 45034 MELISSA.DONOVAN@ME.COM CHARLOTTE DOUGHERTY CFP® Dougherty & Associates, 4030 SMITH RD SUITE 400 CINCINNATI, OH 45209-1937 (513) 745-7007 CHARLOTTE@DOUGHERTY-ASSOCIATES.COM JOHN DOVICH PRESIDENT John D. Dovich & Associates, LLC 625 EDEN PARK DR SUITE 310 CINCINNATI, OH 45202 (513) 579-9400 JOHN@JDOVICH.COM SUSAN DSURNEY, CTFA, CFP® SENIOR MANAGER Truepoint Inc. 4901 HUNT ROAD, SUITE 200 CINCINNATI, OH 45242 (513) 792-6648 S.DSURNEY@TRUEPOINTINC.COM NATHAN DUNCAN Key Private Bank 303 BROADWAY ST STE 1700 CINCINNATI, OH 45202 (513) 830-1151 NATHAN.DUNCAN@KEY.COM MICHAEL DURKIN CFP® Durkin Financial, LLC 3540 BLUE ROCK RD STE 4 CINCINNATI, OH 45239 (513) 729-1600 MD@DURKINFINANCIAL.COM SCOTT EDWARDS CFP® SENIOR FINANCIAL ADVISOR Heick, Hester Smith & Associates 375 N HILLS BLVD SPRINGBORO, OH 45066-8435 (937) 458-0220 SCOTT.A.EDWARDS@AMPF.COM BUTCH ELFERS CFP®, CPA, AIF® Lang Financial Group, Inc. 4225 MALSBARY RD SUITE 100 CINCINNATI, OH 45242 (513) 699-2948 BUTCH@LANGGROUP.COM
JOHN EVANS CPA, CFP® PRINCIPAL Truepoint Inc. 4901 HUNT RD STE 200 CINCINNATI, OH 45242 (513) 792-6648 J.EVANS@TRUEPOINTINC.COM TEJAY EVANS Fidelity Investments 1642 BRANDON DR HEBRON, KY 41048 TEJAY.EVANS@FMR.COM RICHARD FEIN CFP® Fein Advisors 6210 CEDAR CROSSING LN CINCINNATI, OH 45230-3781 (513) 231-4268 RFEIN@CINCI.RR.COM RUSSELL FINNEY Capital Advisory Services, LLC 8112 BECKETT CENTER DR WEST CHESTER, OH 45069 RFINNEY@CAPADVISOR.NET THOMAS FOSTER CFP® DIRECTOR Robert W Baird 3805 EDWARDS ROAD SUITE 610 CINCINNATI, OH 45209 (513) 758-8425 TFOSTER@RWBAIRD.COM STEVEN FRANK CFP® SENIOR VICE PRESIDENT Wells Fargo Advisors 255 E FIFTH ST 1400 CHEMED CENTER CINCINNATI, OH 45202 (513) 651-6561 STEVEN.FRANK@WFADVISORS.COM DONNA FREEMAN CFP®, CHFC, CLU, MSFS PRESIDENT Freeman Heyne 10250 ALLIANCE RD SUITE 125 CINCINNATI, OH 45242 (888) 858-5122 DFREEMAN@FREEMANHEYNE.COM MICHELLE FROMMEYER Waddell & Reed 625 EDEN PARK DR STE 450 CINCINNATI, OH 45202 MFROMMEYER@WRADVISORS.COM FREDERICK GARTENLAUB CFP® Sound Asset Management, Inc. 969 READING RD STE K MASON, OH 45040 (513) 755-8297 FRED@SFSINC.COM MICHAEL GAZZERRO CFP®, CHFC® FINANCIAL ADVISOR First Command Financial Services 4407 WALNUT ST, STE 210 THE GREENE TOWN CENTER BEAVERCREEK, OH 45440 (937) 429-4490 MJGAZZERRO@FIRSTCOMMAND.COM
STEVEN GERRISH Gerrish Financial llc 14 REMICK BLVD. STE. 211 SPRINGBORO, OH 45066 (937) 654-6840 STEVE@GERRISHFINANCIAL.COM JOHN GIRVIN CFP® EA Artifex Financial Group 2305 FAR HILLS AVE STE 206 DAYTON, OH 45419 (937) 938-6162 GIRVINJ@EARTHLINK.NET WILLIAM GOSLEE SENIOR VICE PRESIDENT Fund Evaluation Group 9129 CUMMINGS FARM LN CINCINNATI, OH 45242 (513) 719-5074 WGOSLEE@FEG.COM MARY TERESA GREEN 1943 HONEYSUCKLE LANE CINCINNATI, OH 45230 GREENWELLNESS@GMAIL.COM DAWN GREENE CFP® National Bank & Trust Co. 48 N SOUTH ST WILMINGTON, OH 45177 (937) 283-3077 DGREENE@NBTDIRECT.COM ROBERT GROSSHEIM CFP® Family Wealth Advisory Group 7359 E KEMPER RD STE A CINCINNATI, OH 45249 (513) 469-8100 RGROSSHEIM@FWAG.COM SHIRI GROTE US Bank 425 WALNUT ST. CINCINNATI, OH 45202 SHIRI.GROTE@USBANK.COM TIMOTHY GROUT CFP®, MBA Clear Perspectives Financial Planning 9545 KENWOOD RD, STE 402 CINCINNATI, OH 45242 (513) 469-8400 TIM@CPPLAN.COM ELIZABETH GRUBB CFP®, CPA PRINCIPAL Battelle & Battelle, LLP 2000 W DOROTHY LN DAYTON, OH 45439 (937) 853-1422 EGRUBB@BATTELLECPAS.COM J. SCOTT GRUNER CFP® VICE PRESIDENT UBS Financial Services, Inc. 9144 WITHERS LN CINCINNATI, OH 45242 (513) 792-2102 SCOTT.GRUNER@UBS.COM
JOSEPH HACK CFP® PRINCIPAL Madison Wealth Management 7755 MONTGOMERY RD STE 350 CINCINNATI, OH 45236-4197 (513) 871-4555 JHACK@MADISONADVISORS.COM LUKE P. HAIL CFP®, MBA Foster & Motley Inc. 7755 MONTGOMERY RD STE 100 CINCINNATI, OH 45236 (513) 561-6640 LUKE@FOSTERANDMOTLEY.COM DAVID HAIRE CFP® 9075 CENTRE POINTE DR. SUITE 100 WEST CHESTER,OH 45069 (513) 942-9700 DAVID.HAIRE@LPL.COM CHARLES HAIS CHFC, CLU Queen City Financial Advisors, LLC 105 E FOURTH ST STE 800 CINCINNATI, OH 45233 (513) 729-9733 CHUCK.HAIS@QUEENCITYADVISORS.COM GREGORY HANG CFP®, CPA, CDFA LPL Financial 8565 MASON MONTGOMERY RD STE 31 MASON, OH 45040 (513) 229-3650 GREGORY.HANG@LPL.COM BRANDON HARTSEL Fiduciary Insurance Group 9277 CENTRE POINTE DR., SUITE 350 WEST CHESTER, OH 45069 (513) 942-1200 BHARTSEL@FIDUCIARYINS.COM DEREK HASSENPFLUG CFP®, CHFC® BRANCH MANAGER Ameriprise Financial Services, Inc 9545 KENWOOD RD SUITE 200 CINCINNATI, OH 45242 (513) 984-9700 DEREK.HASSENPFLUG@AMPF.COM PATRICIA HEIMBUCH CFP® Ameriprise Financial Services, Inc 11145 READING RD CINCINNATI, OH 45241 (513) 554-1104 PATRICIA.A.HEIMBUCH@AMPF.COM DAVID HELTON CLU, LUTCF, CLTC Agent Prudential 120 NORTH F ST HAMILTON, OH 45013 (513) 856-9099 DAVID.HELTON@PRUDENTIAL.COM CHRISTOPHER J. HENN FINANCIAL ADVISOR First Command 4407 WALNUT STREET, SUITE 210 BEAVERCREEK, OH 45440 (937) 429-4490 CJHENN@FIRSTCOMMAND.COM
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MEMBERSHIP DIRECTORY HENN – KRAWCZESKI
ALPHABETICAL BY LAST NAME
MARC HENN CFP® PRESIDENT Harvest Financial Advisors, LLC 8897 CINCINNATI DAYTON RD WEST CHESTER, OH 45069 (513) 779-3030 MARC.HENN@HARVESTADVISOR.COM MARK HENSCHEN CFP® Minster Bank 95 W FOURTH ST PO BOX 90 MINSTER, OH 45865-1060 (419) 628-2351 MHENSCHEN@MINSTERBANK.COM LARRY HERETH CFP® 1328 CLIFTMONT CIR LAWRENCEBURG, IN 47025 (812) 537-2968 LHERETH@MAC.COM STEPHEN HESTER CFP® Heick Hester Smith & Assoc. 312 WALNUT ST 1600 SCRIPPS CENTER CINCINNATI, OH 45202 (513) 762-7660 STEPHEN.T.HESTER@AMPF.COM JOSEPH HOFF CHFC,CLU®,CRPC®,CFP® Lincoln Financial Advisors Premier Partner 4030 SMITH RD STE 400 CINCINNATI, OH 45209 (513) 745-7093 JOE.HOFF@LFG.COM CAROL HOFFMAN MBA, CFP® PRINCIPAL AND PARTNER Clear Perspectives Financial Planning, LLC 9545 KENWOOD ROAD, STE 402 CINCINNATI, OH 45242 (513) 469-8400 CAROL@CPPLAN.COM MICHAEL HOGUE CAIA, CFA, CFP® DIRECTOR OF ALTERNATIVE STRATEGIES Fifth Third Bank 38 FOUNTAIN SQUARE PLAZA 14TH FL., MD 1090EB CINCINNATI, OH 45263 (513) 534-0693 MICHAEL.HOGUE@53.COM THOMAS HOLDING CFP®, CLU, CRPC® CERTIFIED FINANCIAL PLANNER Lincoln Financial Advisors / Sagemark Consulting 8223 BAY TREE CT WEST CHESTER, OH 45069 (513) 942-4410 THOMAS.HOLDING@LFG.COM GARY HOLLANDER CFP® Hollander & Associates, LLC 11230 CORNELL PARK DR CINCINNATI, OH 45242 (513) 729-4430 GARY@HOLLANDERLLC.COM
F PA 1 0
Financial & Charitable Giving
JAMES HOSKINS CFP® LEAD ADVISOR Family Wealth Advisory Group LLC 7359 E KEMPER RD STE A CINCINNATI, OH 45249 (513) 469-8100 JHOSKINS@FWAG.COM GARY HOWARD CFP® Money Concepts Financial Plann 8240 BECKETT PARK DR STE D WEST CHESTER, OH 45069 (513) 844-1400 GARY@GARYHOWARDCPA.COM GAIL HUDSON CFP® FINANCIAL ADVISOR UBS Financial Services 7887 WASHINGTON VILLAGE DR., SUITE 100 CENTERVILLE OH 45459 (937) 428-1370 GAIL.HUDSON@UBS.COM ELLIS HUMMEL CFP® Bahl & Gaynor Investment Counsel 212 E 3RD ST STE 200 CINCINNATI, OH 45202-5500 (513) 618-4041 EHUMMEL@BAHL-GAYNOR.COM IAN HUMPHREY JD, CFP® Fifth Third Bank 38 FOUNTAIN SQUARE PLAZA MAILDROP 1090FH CINCINNATI, OH 45202 IAN.HUMPHREY@53.COM LAURA HUMPHREY CFP®, ADPA Bartlett & Co. 600 VINE ST STE 2100 CINCINNATI, OH 45202 (513) 621-4612 LHUMPHREY@BARTLETT1898.COM KAREN IMHOFF MBA, CFP® Financial Network Group 7890 E KEMPER RD STE 200 CINCINATI, OH 45249 (513) 469-7500 X410 KARENI@FNGLTD.COM ROBERT JERGER CFP® FINANCIAL REPRESENTATIVE Cincinnati Investment Advisors, LLC 550 WARDS CORNER RD. LOVELAND, OH 45140 (513) 575-3930 ROBERT.JERGER@LPL.COM MARC JEWELL CLU, CFP® Jewell Financial Services 7017 CORPORATE WAY CENTERVILLE, OH 45459-4238 (937) 434-3699 MARCJ@JEWELLFINANCIAL.COM DEAN JOHNS CPA, CFP® John D. Dovich & Associates, LLC 625 EDEN PARK DR SUITE 310 CINCINNATI, OH 45202 (513) 579-9400 DEAN@JDOVICH.COM
C. MICHAEL JOHNSON CFP® PRESIDENT & FOUNDER Wealth Planning Corporation 3801 SHARON PARK LN STE 125 CINCINNATI, OH 45241-4118 (513) 733-1750 MIKE@WEALTHP.COM J. LUKE JONES Ameriprise Financial 9545 KENWOOD RD STE 200 CINCINNATI, OH 45242 LUKE.JONES@AMPF.COM (513) 792-4785 JEANNETTE JONES CPA, CFP® PRESIDENT The Asset Advisory Group, Inc. 9200 MONTGOMERY RD CINCINNATI, OH 45242 (513) 771-7222 JJONES@TAAGINC.COM SCOTT JONES CFP® UBS Financial Services Inc 8044 MONTGOMERY RD SUITE 200W CINCINNATI, OH 45236 SCOTT.D.JONES@UBS.COM STEVE KEHOE CFP®, CLU Kehoe Financial Advisors 125 BOGGS LN CINCINNATI, OH 45246 (513) 481-8555 SKEHOE@KEHOE-FINANCIAL.COM JOHN KEIR CHAIRMAN Keir Educational Resources 551 PLYMOUTH RD UNIT 2 PLYMOUTH MEETING, PA 19462 (610) 277-3815 JKEIRORE@AOL.COM SHAWN KELLEY CFP®, CLU Northwestern Mutual Cincinnati 3805 EDWARDS RD STE 200 CINCINNANTI, OH 45209 (513) 366-3600 S.KELLEY@NM.COM JOYCE KESSELRING CFP® The Financial Network Group 7890 E KEMPER RD STE 200 CINCINNATI, OH 45249 (513) 469-7500 JOYCEK@FNGLTD.COM MATTHEW KILLINEN Keir Educational Resources 4785 EMERALD WAY MIDDLETOWN, OH 45044 (573) 422-4860 MKILLINEN@KEIRSUCCESS.COM STEPHEN KING CFP® Wealthquest Corporation 50 E BUSINESS WAY STE 120 CINCINNATI, OH 45241 (513) 530-9700 STEVE@WQCORP.COM
MARK KINSEL CFP® Fidelity Investments 10239 GOLDENEYE DR ALEXANDRIA, KY 41001 (800) 557-1900 3685 MARK.KINSEL@FMR.COM DOUG KINSEY CFP® Artifex Financial Group, LLC 2305 FAR HILLS AVE STE 206 DAYTON, OH 45419 (937) 660-8311 DOUG.KINSEY@ARTIFEXFINANCIAL.COM DOUGLAS KISKER Ameriprise Financial Services, Inc 2890 CHANCELLOR DR STE 220 CRESTVIEW HILLS, KY 41017 (859) 341-1841 X 373 DOUGLAS.E.KISKER@AMPF.COM MARK KLEESPIES THOR Investment Management 7346 BEECHMONT AVE CINCINNATI, OH 45230-4133 (513) 271-6777 MKLEESPIES@THORINVESTMENT.COM GARRY KOHN CFP® PRESIDENT Kohn Wealth Management Advisors, LLC 9277 CENTRE POINTE DR SUITE 350 WEST CHESTER, OH 45069 (513) 563-3469 GARRY@KOHNWEALTH.NET JESSICA KONNAGAN FPA of Southwestern Ohio Administrator 4010 EXECUTIVE PARK DR STE 100 CINCINNATI, OH 45241 (513) 554-3063 ADMIN@FPACINTI.ORG WILLIAM KOONTZ CHFC, CAP, CRPC CHARTERED FINANCIAL CONSULTANT Lincoln Financial Advisors 4030 SMITH RD SUITE 400 CINCINNATI, OH 45209-1937 (513) 745-7070 WILLIAM.KOONTZ@LFG.COM JOHN KOPECK CFP® Kopek Financial Advisory Group of Raymond James 201 EAST FIFTH STREET, SUITE 2500 CINCINNATI, OH 45202 (513) 287-6765 JOHN.KOPECK@RAYMONDJAMES.COM SUZAN KOTLER CFP® Kotler Financial Services 4520 COOPER RD STE 202 CINCINNATI, OH 45242-5687 (513) 936-8081 SUZAN@KOTLERFINANCIAL.COM RICK KRAWCZESKI CFP® VICE PRESIDENT, FINANCIAL PLANNING Fort Washington Investment Advisors, Inc. 303 BROADWAY STE 1200 CINCINNATI, OH 45202 (513) 361-7683 RICK.KRAWCZESKI@FORTWASHINGTON.COM
LAFLEY – PATEL
PATRICK LAFLEY CFP® Quadrant Partners 403 VINE ST 3RD FL CINCINNATI, OH 45202 LAFLEY@QP-LLC.COM JOSHUA LAKE Ameriprise Financial Services, Inc. 3045 NEWMARK DR MIAMISBURG, OH 45342 JOSHUA.J.LAKE@AMPF.COM MICHAEL LAMB CFP®, CPA/PFS Goldshot, Lamb & Hobbs, Inc. 3066 KETTERING BLVD DAYTON, OH 45439 (937) 297-3400 X3107 MSL@GLHCPAS.COM DAWN LEONARD Pohlman & Talmage CPAs, Inc. 3445 S DIXIE DR STE 200 DAYTON, OH 45439 DAWNL@POHLMANTALMAGE.COM ROBERT LESHNAKCLU CHFC CFP® MS EA REGISTERED PRINCIPAL Leshnak Financial Group, LLC 7182 LIBERTY CENTRE DR UNIT I WEST CHESTER, OH 45069-6585 (513) 779-3777 RLESHNAK@FSCADVISOR.COM THOMAS LINDSTROM CFP®, MBA, CLU® FINANCIAL ADVISOR Ameriprise Financial Services, Inc. 10050 INNOVATION DR STE 310 MIAMISBURG, OH 45342 (937) 312-8005 THOMAS.A.LINDSTROM@AMPF.COM DANIEL LIST PORTFOLIO MANAGER Matson Money, Inc. 5955 DEERFIELD BLVD MASON, OH 45040-2548 (513) 204-8000 DAN.LIST@MATSONMONEY.COM DOUGLAS LOFTUS CFP® MANAGING MEMBER Wealth Dimensions Group, Ltd. 11300 CORNELL PARK DR STE 300 CINCINNATI, OH 45242 (513) 554-6000 DLOFTUS@WEALTHDIMENSIONS.COM SCOTT LOWRY CFP®, MBA, APMA® FINANCIAL ADVISOR SENIOR VICE PRESIDENT Lowry & Peters 5770 GATEWAY BLVD., SUITE 104 MASON, OH 45040 (513) 322-5611 EXT. 717 SCOTT.2.LOWRY@AMPF.COM KENT LUTZ ASSISTANT PROFESSOR University of Cincinnati, Blue Ash. 9555 PLAINFIELD ROAD CINCINNATI, OH 45236 (513) 314-7561 KENT.LUTZ@UC.EDU
ROBERT LYNCH CMA, CFM, CFE STRATEGIC FINANCIAL LEADERSHIP, INC. PO BOX 309 LOVELAND, OH 45140 (513) 697-6724 BLYNCH@SFLSERVICES.COM TODD LYON Wealth Planning Corporation 3801 SHARON PARK LANE SUITE 125 CINCINNATI, OH 45241 (513) 733-1750 LYON.TODD@WEALTHP.COM PETER MACK CFP®, CPA, PFS The Mack Group PO BOX 37 BATESVILLE, IN 47006-0037 (812) 933-1040 PETER.MACK@SECURITIESAMERICA.COM TIMOTHY MACKEY PRESIDENT Mackey Financial Grp 7750 MONTGOMERY RD CINCINNATI, OH 45236 (513) 792-5414 TIM@MACKEYFINANCIALGROUP.COM GEORGE MAKRIS Makris Financial Group 5580 GLENWAY AVE CINCINNATI, OH 45238 (513) 922-6400 X 102 GMAKRIS@MAKRISFINANCIALGROUP.COM DONALD MARCELLO REGIONAL DIRECTOR Wells Fargo Advantage Funds 1024 STREAM RIDGE LN CINCINNATI, OH 45255 (513) 236-8863 DONALD.MARCELLO@WELLSFARGO.COM W. JEFF MARTIN CLU, CHFC MassMutual - Brokerage 7755 MONTGOMERY RD SUITE 250 CINCINNATI, OH 45236 (513) 698-1312 JEFFMARTIN@MASSMUTUALBROKERAGE.COM RICHARD MAYER CFP® DIRECTOR OF FINANCIAL PLANNING Financial Network Group 9996 WINLAKE DR CINCINNATI, OH 45231 (513) 469-7500 RICHARDM@FNGLTD.COM DAVID MCCARLEY CFP®, CLU, CHFC, CRPS, RICP Commonwealth Financial 6910 MIAMI AVE CINCINNATI, OH 45423 (513) 792-9990 DAVID@DMCCARLEY.COM CARY C. MCDONALD CFP® 9479 MCKINNEY RD LOVELAND, OH 45140 (513) 502-4078 CARY.C.MCDONALD@GMAIL.COM
ZACHARY MCKIBBEN 911 Riverside Dr Sidney, OH 45365 kibby_09@hotmail.com PETER MICCOLI CFP®, AIF Miccoli Ahr & Associates 8044 MONTGOMERY RD STE 410 CINCINNATI, OH 45236 (513) 794-1370 PETER@MICCOLIAHR.COM GREG MIDDENDORF CFP® Hergehold Captial Managment 18 WESLEY DRIVE CINCINNATI, OH 41076 GREG@HENGEHOLDCAPITAL.COM THOMAS MIKOS CFP®, CPA Hammerman Graf Hughes & Company 4486 INDIAN RIPPLE RD DAYTON, OH 45440-3203 (937) 320-1262 TMIKOS@HGHCPA.COM PETER MILLER CFP® FINANCIAL PLANNER Summit Financial Advisors, Inc. 1046 SUMMIT DR MIDDLETOWN, OH 45042 (513) 424-6300 X15 PMILLER@SFADVISORSINC.COM MICHAEL MOLONEY CFP® SS+D Financial, LLC 1900 KETTERING TOWER 40 N MAIN ST DAYTON, OH 45423 (937) 222-2055 MMOLONEY@SSDLAW.COM PATRICK MORAN Morgan Stanley 4380 BUCKEYE LANE BEAVERCREEK, OH 45440 (937) 431-7842 PATRICK.M.MORAN@MORGANSTANLEY.COM MICHAEL MULHERN Lincoln Financial MIKE.MULHERN@LFG.COM CRAIG MULLENBROCK CFP®, CDFA FINANCIAL ADVISOR Mullenbrock & Assocs, a financial advisory practice of Ameriprise Financial 228 W ASH ST PO BOX 312 PIQUA, OH 45356 (937) 773-8500 CRAIG.W.MULLENBROCK@AMPF.COM JEFF MUMPER CFP® FINANCIAL ADVISOR Ameriprise Financial Services, Inc 9545 KENWOOD RD STE 200 CINCINNATI, OH 45242-6100 (513) 792-8025 JEMUMPER@AMPF.COM SHAUN NICHOLSON CFP®, CASL®, APMA SENIOR VICE PRESIDENT UBS Financial Services 110 N MAIN ST STE 1600 DAYTON, OH 45402 (937) 226-6562 SHAUN.NICHOLSON@UBS.COM
FRANCIS NIEHAUS JD, CFP® Niehaus Financial Services, LLC 4820 GLENWAY AVE CINCINNATI, OH 45238 (513) 471-9600 FRANN@NIEHAUS-FINANCIAL.COM HENRIETTA NYE CFP®, CLU, CHFC, CPCU, PRESIDENT Keir Educational Resources 4785 EMERALD WAY MIDDLETOWN, OH 45044-8111 (513) 422-4860 X103 HNYE@KEIRSUCCESS.COM MALOTT NYHART CFP®, CEBS DIVISIONAL PRESIDENT Great American Financial Resources 301 E 4TH ST 12TH FLOOR CINCINNATI, OH 45202-4257 (513) 357-3308 MNYHART@GAFRI.COM JASON O’DELL MS OJM Group, LLC 8044 MONTGOMERY RD STE 440 CINCINNATI, OH 45236 (513) 791-7525 ODELL@OJMGROUP.COM CHRISTOPHER OBERHOLZER CFP® FINANCIAL PLANNER Wealth Dimensions Group, Ltd 11300 CORNELL PARK DR STE 300 CINCINNATI, OH 45242-1830 (513) 554-6000 COBERHOLZER@WEALTHDIMENSIONS.COM JAMES OLIGER CFP® Wealthquest Corporation 50 E BUSINESS WAY SUITE 120 CINCINNATI, OH 45241-2397 (513) 530-9700 JAMES@WQCORP.COM ALLEN OSGOOD, JR., CFP® PRESIDENT Financial Freedom, LLC 8044 MONTGOMERY RD, SUITE 700 CINCINNATI, OH 45236 AAO@FINFREE.COM JEFFREY PAAS CFP® Seeskin Paas Blackburn & Costandi PO BOX 37959 CINCINNATI, OH 45222 (513) 761-2860 JEFF.PAAS@SPBCO.COM REBECCA PACE CPA, PFS PERSONAL TAX MANAGER Orcutt & Company 936 OLD 28 MILFORD, OH 45150 513-576-1989 REBECCA@ORCUTTFINANCIAL.COM ALOK PATEL GE 8332 LANDMARK CT APT 101 WEST CHESTER, OH 45069 ALOK.PATEL1@GMAIL.COM
Financial & Charitable Giving
F PA 1 1
Financial & Charitable Giving
MEMBERSHIP DIRECTORY PATEL – STEINKE
ALPHABETICAL BY LAST NAME
PREMAL PATEL GreenRock Advisory LLC 3797 FERNWOOD CT DAYTON, OH 45440 PREM@GREENROCKADVISORY.COM STEPHEN PERRIN CFP® PRESIDENT Co-ordinated Financial Plng. 4555 LAKE FOREST DR STE 560 CINCINNATI, OH 45242 (513) 769-3131 STEVESR@CFINPLAN.COM TYRONE PHILLIPPI CFP®, CSA PRESIDENT LifePlan Financial Group, Inc. 10050 INNOVATION DR STE 140 DAYTON, OH 45342 (937) 449-0345 TYPHILLIPPI@LIFEPLANFG.COM SANDRA PIERCE CPA, CFP® Vice President, Parker Carlson & Johnson 7812 MCEWEN RD STE 400 DAYTON, OH 45459 (937) 223-0600 SPIERCE@PCJINVEST.COM KESSA POEPPELMAN Axa Advisors 2523 STOP 8 RD DAYTON, OH 45414 KMPOEPPELMAN@GMAIL.COM WILLIAM POHLMAN CFP®, CPA/PFS Pohlman & Talmage Cpa’s, Inc. 3445 S DIXIE DR SUITE 200 MORAINE, OH 45439-2329 (937) 297-3735 BILLP@POHLMANTALMAGE.COM LORI POOLE CFP® Bartlett & Co. 600 VINE ST STE 2100 CINCINNATI, OH 45202 (513) 621-4612 LPOOLE@BARTLETT1898.COM MARGARET POTTS SALES ASSISTANT II Hilliard Lyons 2901 ZIEGLE AVE APT 4 CINCINNATI, OH 45208 MARGARET.POTTS1@GMAIL.COM JAMIE POWELL CFP® ADVISOR Capital Advisory Services, LLC 8112 BECKETT CENTER DR WEST CHESTER, OH 45069 (513) 942-7000 JPOWELL@CAPADVISOR.NET VICKI PRENGER CFP® Pohlman & Talmage CPAs, Inc. 3445 S DIXIE DR DAYTON, OH 45439 (937) 297-3735 VICKIP@POHLMANTALMAGE.COM
F PA 1 2
Financial & Charitable Giving
E. DEANNA PURVIS CFP® FINANCIAL ADVISOR, MANAGER The Financial Network Group 7890 E KEMPER RD STE 200 CINCINNATI, OH 45249 (513) 469-7500 DEANNAP@FNGLTD.COM JAMES RICKEY CFP® SS+D Financial, LLC 40 N MAIN ST STE 1900 DAYTON, OH 45423 (937) 220-4915 JRICKEY@SSDLAW.COM DARIN RIDDLE CFP® ASSOCIATE FINANCIAL CONSULTANT Charles Schwab & Co., Inc. 4000 SMITH ROAD SUITE 100 CINCINNATI, OH 45209 DARIN.RIDDLE@SCHWAB.COM BARNEY RIESBECK CLU, CHFC, CASL State Farm Insurance 4515 RIVERVIEW AVE MIDDLETOWN, OH 45042-2938 (513) 867-8612 BARNEY@BARNEYSINSURANCE.COM SAM RINEHART CFP®, CLU PRIVATE WEALTH ADVISOR Ameriprise Financial Services, Inc 10050 INNOVATION DRIVE STE 310 MIAMISBURG, OH 45342 (937) 312-8000 SAM.L.RINEHART@AMPF.COM STEVEN RIVARD CFP®, MBA, CRPC FINANCIAL ADVISOR Ameriprise Financial Services, Inc. 9545 KENWOOD RD STE 200 CINCINNATI, OH 45242 (513) 247-1558 STEVEN.M.RIVARD@AMPF.COM DAVID ROETTKER CFP®, CRPC® Johnson Investment Counsel, Inc. 3777 WEST FORK ROAD CINCINNATI, OH 45247 (513) 661-3100 DROETTKER@JOHNSONINV.COM CYNTHIA ROGERS CFP®, CDFA FINANCIAL ADVISOR The Financial Network Group 7890 E KEMPER RD STE 200 CINCINNATI, OH 45249 (513) 469-7500 X446 CINDYR@SIMPLYMONEYADVISORS.COM SUZANNE ROHLFS, ESQ, CAP The Greater Cincinnati Foundation 200 W FOURTH ST CINCINNATI, OH 45202 (513) 768-6136 ROHLFSS@GCFDN.ORG RALPH ROLFE CPA/PFS Covenant Financial Concepts 3085 WOODMAN DR STE 370 KETTERING, OH 45420 (937) 395-9527 RALPH.ROLFE@GMAIL.COM
CHERYL ROSE CFP® PNC Wealth Management 201 E FIFTH ST CINCINNATI, OH 45202 (513) 651-8405 CHERYL.ROSE@PNC.COM DONNA ROSE Merkel Financial Services, Inc. DONNA_ROSE41@YAHOO.COM DYLAN SANDERS California Lutheran University 488 SAINT THOMAS CT FAIRFIELD, OH 45014 DYLANSANDERS@MAC.COM ERIN SAVAGE-WEAVER PNC Bank - Wealth Management 201 E FIFTH ST LOC B1-BM01-04-1 CINCINNATI, OH 45202 ERIN.SAVAGE-WEAVER@PNC.COM ALAN SCHAUER PHD, CFP® Affinity Wealth Advisors 4015 EXECUTIVE PARK DR SUITE 215 CINCINNATI, OH 45241 (513) 489-7900 ALAN@2AFFINITY.COM REBECCA SCHAUMLOFFEL 835 FOXCREEK LANE CINCINNATI, OH 45233 RBS1@FUSE.NET MICHAEL SCHNEIDER VICE PRESIDENT - WEALTH MANAGEMENT Key Private Bank 10 W 2ND ST STE 2700 DAYTON, OH 45402 (513) 830-1169 MICHAEL_T_SCHNEIDER@KEYBANK.COM WILLIAM SCHRETTER CLU, CHFC,CFP® FINANCIAL ADVISOR & PLANNING SPECIALIST Raymond James Financial Services 6450 POE AVE. SUITE 115 DAYTON, OH 45414 (937) 280-4977 BILL.SCHRETTER@RAYMONDJAMES.COM NEAL SCHULTE CPA PFS/CFP® PRINCIPAL Schulte Financial Group, LLC 4755 CORNELL RD CINCINNATI, OH 45241 (513) 489-4995 NSCHULTE@SUSCPA.COM ALEXANDER SCOTT CFP® FINANCIAL ADVISOR The Financial Network Group 5931 HIDDEN OAKS CT MAINEVILLE, OH 45039 (513) 469-7500 ALEXS@FNGLTD.COM BARRY P SHELLEY CFP®, CLU®, CHFC®, CASL®, MSFS FINANCIAL ADVISOR Ameriprise Financial Services, Inc 9100 CENTRE POINTE DR SUITE 180 WEST CHESTER, OH 45069-4856 (513) 642-2503 BARRY.P.SHELLEY@AMPF.COM
NICHOLAS SHETLER 309 HICKORY ST DAYTON, OH 45410 SHETLER.NICK@GMAIL.COM GUY SMALLWOOD CFP® Merril Lynch 2600 KETTERING TOWER STE 2600 DAYTON, OH 45423 (937) 225-6783 GUY_SMALLWOOD@ML.COM DAVID SMITH CFP® MSFS AIF® Smith, Moses & Company, LLC 2149 N FAIRFIELD RD STE B BEAVERCREEK, OH 45431 (937) 431-8010 DAVESMITH@FSCADVISOR.COM GREGORY SMITH Haberer Registered Investment Advisor, Inc. 201 E FIFTH ST STE 1100 CINCINNATI, OH 45202 (513) 381-8200 GSMITH@HABERER.COM MARK SOMMERVILLE MBA 7720 MALABAR TERRACE CINCINNATI, OH 45236 (513) 332-8987 MARKS@FNGLTD.COM BRYON SPICER MANAGER & OWNER Spicer Wealth Management & Seniors Financial Services 2655 COMMONS BLVD STE 110 BEAVERCREEK, OH 45431 (937) 426-3836 BRYON@SPICERWEALTH.COM STEVE SPROVACH CFP® The Financial Network Group 7890 E KEMPER RD STE 200 CINCINNATI, OH 45249 (513) 469-7500 STEVES@FNGLTD.COM PAUL STAADEKER CFP® Wells Fargo Advisors LLC 8044 MONTGOMERY RD SUITE 570 CINCINNATI, OH 45236 (513) 985-2098 PAUL.STAADEKER@WFADVISORS.COM SUSAN STEINER FINANCIAL ADVISOR Steiner Advisory Services, LLC 2624 HANDASYDE AVE CINCINNATI, OH 45208 (513) 533-3922 SUSAN.STEINER@STEINERADVISORY SERVICES.COM JANET STEINKE CFP® SENIOR WEALTH MANAGER Buckingam Financial Group 212 N BROADWAY ST PO BOX 706 LEBANON, OH 45036-0706 (937) 305-3210 JSTEINKE@BUCKINGHAMFINANCIAL.COM
STEWART - ZURAWSKI
DEAN STEWART CFP®, The Senior Financial Group 4243 HUNT RD STE 115 CINCINNATI, OH 45242 (513) 381-8888 SENIORFINANCIAL@ZOOMTOWN.COM SHARON TALLMAN CFP®, CDFA ™ PORTFOLIO MANAGER Johnson Investment Counsel, Inc. 3777 W FORK RD CINCINNATI, OH 45247 (513) 661-3100 X315 STALLMAN@JOHNSONINV.COM HEATHER SWOB CFP® Truepointe Inc. 4901 HUNT ROAD, SUITE 200 CINCINNATI, OH 45242 (513) 792-6648 H.SWOB@TRUEPOINTINC.COM ANDREW TAYLOR CFP® FINANCIAL CONSULTANT OJM Group 8044 MONTGOMERY RD STE 440 CINCINNATI, OH 45236 (513) 792-4287 ATAYLOR3480@HOTMAIL.COM BRIAN TEGTMEYER FINANCIAL PLANNER Financial Freedom, LLC 2661 COMMONS BLVD BEAVERCREEK, OH 45431 BRIAN@FINFREE.COM CHRISTINE TENBARGE CFP®, CHFC, CLU Tudor Financial 8111 TIMBERLODGE TRL DAYTON, OH 45458 (937) 439-9292 CTENBARGE@TUDORFINANCIAL.COM JONATHAN THORNBERRY CFP® Robert W. Baird & Co. Inc. 3805 EDWARDS ROAD SUITE 610 CINCINNATI, OH 45209 (513) 758-8450 JTHORNBERRY@RWBAIRD.COM RONALD TROYAN MANAGING DIRECTOR Trusted Advisors Investment Counsel LLC 11841 MASON MONTGOMERY RD SUITE A CINCINNATI, OH 45249-1748 (513) 469-7824 RTROYAN@TRUSTEDADVISORSIC.COM ANDREW VAN ERP BUSINESS DEVELOPMENT OFFICER Ameritas Investment Corp. 1876 WAYCROSS RD CINCINNATI, OH 45240 (513) 595-2106 AVANERP@AMERITAS.COM
CHARLES VAUGHAN CFP®, CRPC CHIEF RETIREMENT STRATEGIST THE RETIREMENT SOURCE® 8260 NORTHCREEK DRIVE SUITE 300 CINCINNATI, OH 45236 (513) 791-8899 CVAUGHAN@CROWNMAIL.NET BETH VERDOORN CPA, CFP® Dean Financial Services 3500 PENTAGON BLVD STE 200 BEAVERCREEK, OH 45431 (937) 225-3415 BJV@CHDEAN.COM WILLIAM WAGNER CFP®, CIMA SENIOR VICE PRESIDENT- INVESTMENTS Morgan Stanley Smith Barney 7755 MONTGOMERY RD STE 200 CINCINNATI, OH 45236 (513) 762-5320 WILLIAM.A.WAGNER@MSSB.COM BRIAN WALKER CPA, PFS, CFP® Goldshot, Lamb & Hobbs, Inc. 3066 KETTERING BLVD. DAYTON, OH 45439 (937) 297-3400 X 3104 BJW@GLHCPAS.COM COURTNEY WEBER CPA, CFP® Truepointe Inc. 4901 HUNT ROAD, SUITE 200 CINCINNATI, OH 45242 (513) 792-6648 C.WEBER@TRUEPOINTINC.COM CHRISTOPHER WHITE CFP® VICE PRESIDENT Key Private Bank 303 BROADWAY ST STE 1700 OH-18-30-1707 CINCINNNATI, OH 45202 (513) 830-1148 CHRIS.WHITE@KEY.COM APRIL WHITEHEAD CFP®, CHFC FINANCIAL ADVISOR Ameriprise Financial 7501 E PARAGON RD STE 201 DAYTON, OH 45459 (937) 401-5615 APRIL.WHITEHEAD@AMPF.COM
AMY WHITLATCH CFP®, CDFA(TM) 1050 DELTA AVE. SUITE 2000 CINCINNATI, OH 45208-3165 (513) 984-0200 ALW@AMYWHITLATCH.COM SCOTT WIESNER CPA, CFP® Blersch, Wiesner & Co. 3406 WERK RD CINCINNATI, OH 45211 (513) 661-8228 SCOTT@BWCOCPA.COM DAVID WILDER CFP®, MST, CTFA CHIEF INVESTMENT OFFICER & SENIOR ADVISOR Financial Management Group, Inc. 4665 CORNELL RD SUITE 160 CINCINNATI, OH 45241 (513) 984-6696 DAVE@FMGONLINE.COM MATTHEW WILEY, CRPS REGIONAL MARKETING DIRECTOR Creative Retirement Systems 8186 CAMARGO ROAD CINCINNATI, OH 45243 (513) 612-3021 MWILEY@CRS401K.COM WALTER WILSON CFP® Waddell & Reed, Inc. 625 EDEN PARK DR SUITE 450 CINCINNATI, OH 45202-6006 (513) 985-9430 WWILSON@WRADVISORS.COM THOMAS WINGO CFP® Queen City Finacial Advisors 105 E 4TH ST STE 800 CINCINNATI, OH 45202-4053 (513) 721-2513 THOMAS.WINGO@QUEENCITYADVISORS.COM DANIEL WOLODKIEWICZ CFP® PRESIDENT Pinnacle Financial Associates 3171 BEAVER VU DR STE A BEAVERCREEK, OH 45434 (937) 426-8332 DANWALLY36@WOH.RR.COM
CHIP WORKMAN CFP® LEAD ADVISOR The Asset Advisory Group 9200 MONTGOMERY ROAD CINCINNATI, OH 45242-4765 (513) 771-7222 CWORKMAN@TAAGINC.COM THOMAS ZALLA CFP®, PHD, CLU, CHFC 22 LAKE ST FORT WRIGHT, KY 41011 (859) 341-1558 TOMZALLA@GMAIL.COM BRAD ZAPP CFP®, CHFC, RFC, WMS Legacy Financial Advisors 117 E 4TH ST COVINGTON, KY 41011 (859) 655-5232 ZAPP@LEGACYFINANCIALADVISORS.COM TOM ZIENTEK CFP® Fidelity Investments 5792 SQUIRES GATE DR MASON, OH 45040 (800) 544-5230 X66717 TOM.ZIENTEK@FMR.COM STEPHEN ZORKO CFP® PRESIDENT Integrity Wealth Management, LLC 190 BARES RUN DR LOVELAND, OH 45140 (513) 289-6637 INFO@IWMCFP.NET KEITH ZURAWSKI 1149 ASCOT DR MAINEVILLE, OH 45039 (859) 386-3662 KZURAWSKI@SHOKER.COM
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Financial & Charitable Giving
FP 13