Personal Wealth Managers In The Cincinnati Area - Kehoe Financial [PDF]

2008 INDEPENDENT SURVEY TO FIND THE BEST IN CLIENT SATISFACTION

Meet the Best

Personal Wealth Managers in the Cincinnati Area

ANNOUNCING: Cincinnati’s 2008 FIVE STAR Wealth Managers. We surveyed consumers, financial service professionals and our subscribers to find the best in client satisfaction wealth managers in the Cincinnati area. Here they are.

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ell over half of the consumer responses in the Cincinnati area indicated it is difficult to find a wealth manager they trust and rely on (1). Wealth managers, broadly defined, are those individuals who help you manage your financial world and/or implement aspects of your financial strategies. Common examples of wealth managers are financial advisors, life insurance agents, accountants, tax advisors, attorneys, bankers, etc. With so many wealth managers to choose from, how do you find someone who listens to you, represents your interests and operates with an emphasis on integrity and service? Cincinnati Magazine can help. The magazine recently formed a partnership with Crescendo Business Services, an independent research firm, to find out which wealth managers successfully satisfied key client satisfaction criteria and overall scored the highest in client satisfaction.

were accepted as valid. By March, stacks of surveys had arrived and Crescendo began carefully scoring each wealth manager. Both positive and negative evaluations were included in the scoring. Only wealth managers with five years of experience in the financial services industry were considered. Next, each wealth manager was reviewed for regulatory actions, civil judicial actions and customer complaints as reported by FINRA (the Financial Industry Regulatory Authority) and other regulatory agencies. Then, before finalizing the list, wealth managers were reviewed by a blue-ribbon panel. The blue-ribbon panel was comprised of individuals from within the financial services industry. Although panelist comments were incorporated into the final score, safeguards were built into the review process to reduce the ability of panel members to influence the composition of the final list on the basis of company affiliation.

The Selection Process In February, Crescendo surveyed, by mail and phone 54,250 high-net-worth residents in the Cincinnati area and subscribers of Cincinnati Magazine. An additional 8,350 surveys were sent to leaders of financial service industry companies. On the surveys, recipients were asked to evaluate only wealth managers whom they knew through personal experience, and to evaluate them based upon nine criteria: customer service, integrity, knowledge/expertise, communication, value for fee charged, meeting of financial objectives, post-sale service, quality of recommendations and overall satisfaction. Only original surveys — no copies — returned in their specially designed envelopes

Best in Client Satisfaction The resulting list of 2008 FIVE STAR Wealth Managers represents those wealth managers, of those evaluated, in the Cincinnati area, that scored highest in client satisfaction. These wealth managers, represent less than 6 percent of the wealth managers in the Cincinnati area. Only 409 of the top-scoring wealth managers made this year’s list. To make the list more user-friendly, wealth managers have been grouped based upon their primary financial service. Each wealth manager has also listed up to three additional financial services that they provide their clients. Although this list will certainly be a useful tool for anyone looking for help in managing their financial world or implementing aspects

(1)

2008 Consumer Survey, Quantitative Market Intelligence

of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many other excellent wealth managers who, for one reason or another, are not on this year’s list.

R E S E A R C H D E C L A R AT I O N S : As with any research or recognition program, it is important that we provide you the following declarations: • The 2008 FIVE STAR Wealth Managers do not pay a fee to be included in the research or the final list of FIVE STAR Best in Client Satisfaction Wealth Managers. • The overall evaluation score of a wealth m a n a g e r re f l e c t s a n ave r a g e o f a l l respondents and may not be representative of any one client’s evaluation. • The FIVE STAR Award is not indicative of the wealth managers future performance. • Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. • The inclusion of a wealth manager on the FIVE STAR Wealth Manager list should not be construed as an endorsement of the wealth manager by Crescendo Business Services or Cincinnati Magazine. • Wor king w ith a FIVE STAR Wealth Manager or any wealth manager is no guarantee as to future investment success nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Crescendo in the future. • For more information on the FIVE STAR Aw a r d a n d t h e r e s e a r c h / s e l e c t i o n methodology, go to: www.fivestarprofessional.com/wmresearch.

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I N D E X O F W E A LT H M A N A G E R S List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. Wealth Manager additional financial services: AC=Accounting; BK=Banking; BP=Business Planning; CG=Charitable Giving; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; LC=Long-Term Care; TS=Trust Services; TX=Taxation; WP=Will Preparation ACCOUNTING ACCOUNTING Alex Alvarez Business Management Services BP, TX Harry J. Fermann Fermann & Company BP, TX Anne Zimmerman Zimmerman & Company BP, FP, TX

BANKING Darlene Singer US Bank BP

BUSINESS PLANNING Douglas Westendorf Wood & Lamping IV

CHARITABLE GIVING William A. Friedlander Bartlett & Company FP, IV

ESTATE PLANNING Kathy A. Beacock Attorney at Law TX, WP Tom Bentley Truepoint Capital CG, TS Michael Bergmann Michael J. Bergmann - Attorney BP, TS, WP Timothy Boone Lincoln Financial Securities Corporation IN, LC Bob Brant Katz, Teller, Brant & Hild TX, WP Thomas Breed Wood & Lamping BP, WP Robert W. Buechner Buechner, Haffer, Meyers & Koenig CG, FP, WP Bonnie Camden Dinsmore & Shohl CG, WP Richard Carlile Thompson Hine BP, TX John Cornetet Lutz, Cornetet, Meyer & Rush FP, TX David Groenke Vorys, Sater, Seymour and Pease BP, TX, WP John Hakemoller Prudential Financial IN, IV, LC

ESTATE PLANNING Gary Haverkamp Haverkamp Rebold & Riehl TS, TX, WP Daniel J. Hoffheimer Taft, Stettinius & Hollister CG, TX, WP Jon Hoffheimer Jon Hoffheimer Attorney At Law TX, WP Stephen Hoffsis Buechner, Haffer, Meyers & Koenig Patricia D. Laub Frost Brown Todd CG, TX, WP William G. McKenna Paragon Financial Group BP, CG, FP Daniel H. Mckinney The Mckinney Group TS, TX, WP Mark C. Patterson Robbins, Kelly, Patterson & Tucker BP, CG, TS T. Stephen Phillips Frost Brown Todd CG, TX, WP Stan Ruby Schwartz, Manes, Ruby & Slovin BP, TX, WP D. Todd Rush Lutz, Cornetet, Meyer & Rush BP, TS, WP Mary L. Rust Taft, Stettinius & Hollister CG, WP Stuart Susskind Ulmer & Berne BP, TS, TX H. Patrick Weber Barrett & Weber CG, TX, WP Mark Weber DeCenso, Weber & Knapp BK, TX, WP Susan Wheatley Taft, Stettinius & Hollister TS, WP Barry Zimmer The Zimmer Law Firm CG, TS

FINANCIAL PLANNING Dan Altenau Altenau Financial Services EP, IN, IV Greg Altenau Altenau Financial Services EP, IN, IV Matthew J. Aqilia PNC Wealth Management EP, IV, TS

FINANCIAL PLANNING

FINANCIAL PLANNING

FINANCIAL PLANNING

Lewis Assaley Morgan Stanley/The Assaley Feck Group EP, IN, IV Nathan Bachrach The Financial Network Group BP, EP, IV Scott Barbee Truepoint Capital TX Rick Beckert UBS Financial Services EP, IV, LC Kathleen Benjamin Benwood Financial Group IN, IV Bruce J. Berno Berno Financial Management Ben Beshear Beshear Financial BP, IN, IV Justin Bifro UBS Financial Services IN, IV, LC Michael Biordi AXA Advisors BP, EP, IN Michael Bohmer Haire Bohmer Wealth Management Group CG, EP, IV Greg M. Bonner Merrill Lynch CG, EP, IV Matthew Bonzella The Financial Network Group EP, IN, IV Keith Bookbinder Harbour Financial Group EP, IN, IV Timothy J. Bouman PNC Investments IN, IV, TS Neil R. Bourgeois Brecek & Young Advisors CG, IV, LC Ronald Brenner Charles Schwab BK, CG, IV John M. Britton Personal Choice Financial Advisors EP, IV Stanley Brookins Westfall & Brookins Financial Services BP, IV, LC Michael Broughton Ameriprise Financial EP, IN, IV Fred Buckley Buckley Financial Planning BP, EP, IV Ronald Buckley Waddel & Reed BP, EP, IV

Kenneth Byers Ken Byers & Assoc. BP, EP, IV Matthew M. Carter ING Financial Advisors IN, IV Cynthia Coggins Smith Barney/Citi Group BP, EP, IV Christopher Collier Paragon Financial Group BP, IN, LC Thomas P. Collins Citigroup Global Markets EP, IV, LC Timothy O. Cornell UBS Financial Services EP, IV, TS Barbara Culver Resonate CG, EP, IV Bruce Cyr L.M. Kohn & Company IN, IV David P. Damaska Damaska & Associates BP, EP, TX Jeff Daniher Ritter Daniher Financial Advisory EP, IN, IV Joshua D. Deeter Deeter & Bodnar Advisors CG, EP, IV Nancy Del Grosso Smith Barney EP, IV, LC Chris DeSimio UBS Financial Services EP, IN, IV Louis B. Dissel UBS Financial Services BP, EP, IV John D. Dovich John D. Dovich & Associates EP, IN, IV Charles Glenn Downs The Financial Network Group EP, IN, IV Tim Dumont UBS Financial Services/ Fitzgerald Torbeck & Bult Group CG, EP, IV David Eltringham Fifth Third Securities EP, IV, TS Barry C. Evans Evans Financial Group CG, EP, IV Kimberly Feck Morgan Stanley/The Assaley Feck Group EP, IN, IV John G. Fidder Ameriprise Financial CG, EP, IV

Edward Finke The Financial Network Group BP, EP, IV Jay A. Finke Lincoln Financial Advisors CG, EP, IV Michael E. Fitzgerald UBS Financial Services/ Fitzgerald Torbeck & Bult Group CG, EP, IV Roger Ford Conservative Financial EP, IN, IV David Foster Foster & Motley EP, IV Donna Freeman Freeman Heyne BP, IN, IV Jahn Gazder H&R Block Financial Advisors IN, IV, LC Michael J. Gazzerro First Command Financial Planning IN, IV, LC Donald George Morgan Stanley EP, IN, IV Michael George Tri-State Financial Group BP, EP, IV Merryl Godick Ameriprise Financial EP, IV, LC Chris J. Greene Smith Barney EP, IN, IV Libby Greiwe Thrivent Investment Management EP, IN, IV Bryan Grisak Ameriprise Financial IN, IV Robert Grossheim Family Wealth Advisory Group EP, IV Jack C. Gruber Lincoln Financial Advisors BP, EP, IV Todd Haacke Smith Barney BP, EP, TS Lucas Hail Foster & Motley EP, IV, TX David Haire Haire Bohmer Wealth Management Group CG, EP, IV Charles F. Hais, Jr. Brecek & Young Advisors IN, IV, LC

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I N D E X O F W E A LT H M A N A G E R S List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. Wealth Manager additional financial services: AC=Accounting; BK=Banking; BP=Business Planning; CG=Charitable Giving; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; LC=Long-Term Care; TS=Trust Services; TX=Taxation; WP=Will Preparation FINANCIAL PLANNING Sandra Faith Hall The Financial Network Group IN, IV, LC Joel Handorf UBS Financial Services EP, IV Greg Hang Sweeney & Associates IN, IV Patricia N. Hanna Shared Vision Advisors IV, LC Chris Hansen Personal Choice Financial Advisors BP, EP, IV Denis Hartman Baird & Company EP, IN, IV Derek G. Hassenpflug H&R Block Financial Advisors CG, IV, LC Deloris Hawkins Ameriprise Financial EP, IV, LC Stephen Hawkins Ameriprise Financial IN, IV, LC Chuck Healy AXA Advisors EP, IN, IV Patricia A. Heimbuch Ameriprise Financial EP, IN, IV Aubrey Herman Ameriprise Financial EP, IN, IV David E. Hoffmann UBS Financial Services/The Hoffman Group EP, IN, IV Gary E. Hollander Hollander & Associates BP, IN, IV Jon P. Horvath Harbour Financial Group EP, IV, TS Michael Johnson Wealth Planning Corp. EP, IV Anders Juel Brecek & Young Advisors EP, IN, IV Steve Kehoe Kehoe Financial Services BP, EP, IV J. Jay Kersey Nothwestern Mutual BP, EP, IV John Kilcoyne Haire Bohmer Wealth Management Group EP, IN, IV

FINANCIAL PLANNING

FINANCIAL PLANNING

Michael R. Kinzie The Ohio National Financial Group/Chartered Financial Consultant EP, IN, LC Ronda Koehler Ritter Daniher Financial Advisory EP, IN, IV William F. Koontz II Lincoln Financial Advisors CG, EP, IV Elliot Kravitz E.M.C. Financial Servics IN, IV, TX Matthew Larmann Larmann Financial BP, EP, IV Kathleen J. Laurin VSR Financial Services IN, LC Thomas Lieser Smith Barney IN, IV Thomas Liguzinski Commonwealth Financial Network LC William F. Lyon The Lyon Group BP, CG, EP Anil Marfatia Edward Jones EP, IN, LC David McCarley Common Wealth Financial Network EP, IN, IV Jeffrey A. McKanna Edward Jones IV, LC, TS Michael L. McKay UBS Financial Services EP, IN, IV Douglass Mckinney Ameriprise Financial EP, IN, IV Scott Mercalde UBS Financial Services EP, IV, TS Tricia Mercalde UBS Financial Services EP, IV, TS Dieter Mews Whitehall Financial Service EP, IV, LC Louis Meyer Boardroom Advisory Group BP, EP, IV Lou Moore Lincoln Financial Advisors EP, IN, IV Francis J. Niehaus Niehaus Financial Services EP, IV, TX

Thomas M. O’Brien Haire Bohmer Wealth Management Group IV, LC, TS Philip E. Ochs IV UBS Financial Services CG, EP, IV Molly O’Connor Lifetime Financial Growth IN, IV, LC Pat Patton Ameriprise Financial BP, EP, IV Theo Pericleous Ameriprise Financial EP, IN, IV Ty Phillippi Life Plan Financial Group IV Timothy Powell Horan Securities BP, EP, IV Daniel Quible UBS Financial Services/ The Hoffman Group EP, IN, IV Andrew Rabas John Hancock Financial Network IN, IV, LC Joe Richmond Wealthquest Corporation IV Paul R. Rigney Paul R Rigney & Assoc IN, IV John Ritter Ritter Daniher Financial Advisory EP, IN, IV Ramon Rodriguez Fifth Third Securities/Fifth Third Private Bank EP, IV, TS Brian Ross Brecek & Young Advisors/BD Ross Financial Group IN, IV, LC Ron Rosselot Rosselot Financial BP, EP, IV Michael Rudolph Bailey & Associates IN, IV, LC Garry Rutledge Saxon Financial Consulting EP, IN, IV Adam J. Schoster Smith Barney BP, IN, IV Michael Scovic UBS Financial Services EP, IV, TS Barry P. Shelly Ameriprise Financial BP, EP, IV

FINANCIAL PLANNING

FINANCIAL PLANNING

Ed Shernoff Shernoff Wealth Mgmt EP, IN, IV Joseph D. Shults Ameriprise Financial BP, IV, LC Scott Sims Pinnacle Financial Advisors EP, IN, IV Geoffrey Solomon Horan Securities EP, IN, IV Thomas Sperber Northwestern Mutual BP, IN, IV Robert L. Sponseller, Jr. Sponseller Wealth Management EP, IN, IV Ethan Stanley UBS Financial Services EP, IV Debbie Staton Smith Barney BP, EP, IV Paul Staubach Foster & Motley EP, IV Todd Steinbrink Wealth Planning Corp. EP, IV Denis Stillman Ameriprise Financial BP, EP, IV Fran C. Stockert Thrivent Financial CG, IV, LC Ken Stone Stone Financial Retirement Planning EP, IV Mark Sutton Ameriprise Financial EP, IV, LC Amy L. Thomas Foster & Motley CG, IV, TX Daniel L. Torbeck UBS Financial Services/ Fitzgerald Torbeck & Bult Group CG, EP, IV Winter Troxel Integrated Financial Strategies BP, IN, IV Diego Vallota PNC Investments BP, CG, EP John Vanweelden Vanweelden Wealth Mgmt. EP, IN, IV Charles Vaughan The Retirment Source CG, EP, IV Steven Vaughan Financial Counseling IV

Garnet Wahlund Cincinnati Investment Council EP, IN, IV Vincent Waln LifePlan IN, IV, LC Charles Ward Ward Financial Resources IN, IV Barry Whitt Ameriprise Financial BP, EP, IV Brett Wilder Financial Management Group IV, LC David Wilder Financial Management Group EP, IV, TS Luke L. Wiley Merrill Lynch EP, IV, TS Chris Wilks Edward Jones EP, IN, IV Brendan Willmann Smith Barney EP, IN, IV Paul Wilson Saxon Financial Consulting EP, IN, IV Bill Wingo Brecek & Young Advisors EP, IV Kelly Wittich UBS Financial Services/ Fitzgerald Torbeck & Bult Group CG, EP, IV Robert Wood UBS Financial Services EP Greg Woods Northwestern Mutual EP, IN, IV Matthew A. Yerkes Yerkes Financial Advisors EP, IV, TX Philip R. Zeigler AXA Advisors EP, IN, IV

INSURANCE Ian Barrett Metlife Robert Elrod Metlife IV, LC Terrence L. Horan Horan Securities EP, IV George Kavalauskas Lifetime Financial Growth BP, IV, LC Trey Kellner Northwestern Mutual BP, EP, IV

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I N D E X O F W E A LT H M A N A G E R S List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. Wealth Manager additional financial services: AC=Accounting; BK=Banking; BP=Business Planning; CG=Charitable Giving; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; LC=Long-Term Care; TS=Trust Services; TX=Taxation; WP=Will Preparation INSURANCE Mike Larbes Neace Lukens Douglas Massa CAI Insurance Agency/ING Financial Partners BP, EP, LC Dan Payne Northwestern Mutual BP, EP, IV Dennis Sweeney Sweeny & Associates EP, FP, LC John W. Zorio The Ohio National Financial Group BP, FP, LC

INVESTMENTS Frank Adams Adams Wealth Counsel BP, EP, FP Barry Ahr AHR Wealth Strategies EP, FP Alfred Apfel Smith Barney EP, FP, IN E. Thomas Arnold Merrill Lynch BK, TS Michael Arthur Smith Barney/The Daniel Renie - Arthur Group EP, FP, IN William Bahl Bahl & Gaynor Investment Counsel FP Al J. Bautista PNC Investments EP, FP James Berendt Johnson Investment Counsel CG, EP, TS Mark Black FSC Securities Corporation BP, FP, IN Mark Bodnar AXA Advisors FP, IN, LC Frederic S. Borowski Cincinnati Wealth Management Advisors EP, FP, LC Carl Bouldin Smith Barney/Citi Group BP, EP, FP Mark Broderick Merrill Lynch CG, FP, IN Leo J. Broerman LJB Investment Services EP, FP, LC Greg Busch Clarus Financial FP

INVESTMENTS

INVESTMENTS

INVESTMENTS

Mark Busher PNC Wealth Management BK, EP, TS Dave Carson Huntington Private Financial Group TS Scott Carter Smith Barney IN, FP Michael J. Chasnoff Truepoint Capital BP Tollie Chavis Merrill Lynch BK Derek M. Christenson JP Morgan/Chase Bank/Chase Investment Services IN, BK, FP Mike Clark Cassady Schiller & Associates EP, FP, TX Daniel C. Cooper Wachovia Securities Richard A. Corman Smith Barney BP, EP, FP Jeffrey Cornell Johnson Investment Counsel EP, FP, TS Lori Dahm EBS Asset Management Wade Daniel Wealthquest Corporation EP, FP Jennifer E. Daniels Merrill Lynch/The Evelo Group CG, IN, TS J. Brian DeGroft Merrill Lynch CG, BK, TS Christine DeMann PNC Investments IN, FP Carl Deutsch Robert W. Baird & Company EP, FP, IN Angelo A. DiMarzio Hengehold Capital Management EP, FP, TX Charles A. Donabedian Winston Advisors Chrisopher J. Donabedian Winston Advisors Charlotte Dougherty Dougherty & Associates EP, FP Mark Dubois PNC Wealth Management FP, TS Christopher Dudash PNC Investments IN, FP

James M. Dunphy Dunphy Wealth Mgmt FP, TX Michael Durkin Durkin Financial BP, FP, IN Steven Eklund Johnson Investment Counsel CG, EP, FP Brian Emery Edward Jones FP, IN, LC Joe Evelo Merrill Lynch/The Evelo Group BP, EP, FP Carol Eyink Merrill Lynch BK, IN, TS Karen Farmer Wachovia Securities Mike Fieler Merrill Lynch FP, IN Stephen Fish J.J.B. Hilliard W.L. Lyons CG, EP, FP Barbara Fisher JPMorgan/Private Client Services BK, EP, TS Tim Foster Merrill Lynch Thomas Frank UBS Financial Services CG, EP, FP Steven Frank Wachovia Securities E. Fred Gallenstein Merrill Lynch David Garber Morgan Stanley BP, FP K. Kyle Gearhart Merrill Lynch BK, FP Timothy Gehner Johnson Investment Counsel CG, EP, FP Patrick K. Gibson PNC Wealth Management EP, FP, TS James Gore THOR Investments Management EP, FP John B. Gould PNC Investments EP, FP, IN Jeffrey Greenwald UBS Financial Services EP, FP William V. Grizinski Grizinski Financial Services BP, IN, LC Steve Guggenheim Merrill Lynch EP, FP, TS

Edward M. Haberer Haberer Registered Investment Advisor FP James B. Hagerty Bartlett & Company FP William H. Hales UBS Financial Services EP, FP, IN Matthew Hambleton Merrill Lynch EP, FP Ross Hambleton, Jr. Merrill Lynch EP, FP Ross Hambleton, Sr. Merrill Lynch EP, FP, TS Len Haussler Opus Capital Management FP William Hazel EBS Asset Management Mike Hengehold Hengehold Capital Management EP, FP, TX Alan R. Henning Madison Wealth Management BP, CG, FP Phillip Herrick UBS Financial Services FP Smith Hickenlooper Bartlett & Company CG, FP A.T. Higle UBS Financial Services EP, FP, IN Diane Hinds Horan Securities EP, FP, IN Bill Hoffman Gerneral Electric Credit Union FP, IN, LC David Holwadel Merrill Lynch John Horan Merrill Lynch CG, IN, LC Lori Hudson Bahl & Gaynor Investment Counsel FP Ellis D. Hummel Bahl & Gaynor Investment Counsel FP Barry James James Investment Research James Jaun UBS Financial Services IN, FP

INVESTMENTS Tim Johnson Johnson Investment Counsel CG, EP, TS Jeannette Jones The Asset Advisory Group FP William Jones Smith Barney EP, FP, IN Bob Jung Lenox Wealth Management FP Terrence Kelly Bartlett & Company FP Daniel Kenady Merchants Bank BK, FP, TS Daniel Kiley Retirement Capital Advisors FP, TS Steve King Wealthquest Corporation Jason Kiss Bartlett & Company FP Mark Kleespies THOR Investment Management EP, FP Emerson Knowles Smith Barney CG, EP, FP Steve Kohls Morgan Stanley EP, FP, IN Larry Kohn L.M. Kohn & Company BP, EP, FP Suzan B. Kotler Kotler Financial Services FP George P. Koumoutsos Omega Financial Group CG, IN, LC Martin Kubik Focus Financial Solutions EP, FP, TS Joseph Kuethe Edward Jones EP, IN Jackie Kunkel Merrill Lynch CG, TS Christopher Kurtz AXA Advisors IN Thomas J. Lalley John D. Dovich & Associates FP John Lame Lenox Wealth Management CG, FP James Lenhoff Wealthquest Corporation EP, FP, TX

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I N D E X O F W E A LT H M A N A G E R S List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. Wealth Manager additional financial services: AC=Accounting; BK=Banking; BP=Business Planning; CG=Charitable Giving; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; LC=Long-Term Care; TS=Trust Services; TX=Taxation; WP=Will Preparation INVESTMENTS Jarett Levitsky Johnson Investment Counsel CG, FP, TS Wayne Lippert Truepath Financial FP Leon H. Loewenstine RiverPoint Capital Management CG, EP, FP Ted Lucien Smith Barney FP Gregory C. Luke THOR Investments Management EP, FP Tina Manion FSC Securities Corporation FP Donald M. Massa UBS Financial Services EP, FP Jonathan McCann Johnson Investment Counsel EP, FP, TS Peter McColgan Smith Barney FP James McGrath Johnson Investment Counsel EP, FP, TX Roy McGuffin H&R Block Financial Advisors IN, FP Kyle M. Mclaughlin Raymond James FP, TS Doug McPeek Nottinghill Investment Advisers John Melville Foster & Motley BP, EP, FP Taylor Metcalfe Merrill Lynch BK Timothy R. Meyer Meyer Capital Management Donald Mileham Smith Barney IN, BK, FP James A. Miller Bartlett & Company FP Michael D. Mohlman Fifth Third Securities FP, IN, TS Glenn Mohn UBS Financial Services EP, FP

INVESTMENTS

INVESTMENTS

Jamie Morgan Merrill Lynch EP, FP, IN Mike Morger Ameriprise Financial EP, FP, IN Mark Motley Foster & Motley Dean Moulas Johnson Investment Counssel EP, FP, TS Scott F. Muhlhauser Johnson Investment Counsel CG, FP, TS Jeff Mumper H&R Block Financial Advisors FP, IN, LC Jason Murray Edward Jones BP, FP, IN Troy Neat Merrill Lynch FP, TS Thomas J. Neess Independent Financial Resources Valerie Newell RiverPoint Capital Management CG, EP, FP Jason M. O’Dell O’Dell Jarvis Mandell BP, EP, FP Mark O’Donnell Northwestern Mutual Matthew Olson Merrill Lynch BK, IN, TS Frank C. Parker III Wachovia Securities Bret Parrish Johnson Investment Counsel CG, EP, FP Michael A. Paul Smith Barney CG, EP, FP Charles Pettengill Bahl & Gaynor Investment Counsel FP Mark Pierani PNC Wealth Management BK, FP, TS Scott Randall Smith Barney EP, FP, TS Michael Reagan Raymond James EP, FP, IN Mark Redden Smith Barney EP, FP, TS

Jason Redpath Merrill Lynch CG, FP, TS Tom Regan Lenox Wealth Management CG, FP Steve Renie Smith Barney/The Daniel Renie - Arthur Group EP, FP, IN Ken Rinehart Wachovia Securities Robert M. Rosen Merrill Lynch William Sarran Citigroup Global Markets CG, EP, FP Kenneth L. Schlachter Bartlett & Company FP Tom Schmidt UBS Financial Services EP, FP, IN John Schmitz Bahl & Gaynor Investment Counsel FP J. Wayne Scott UBS Financial Services CG, EP, FP Dan Shick UBS Financial Services EP, FP, TS Dave A. Silvati Merrill Lynch BK, IN, TS Stephen Simendinger Johnson Investment Counsel CG, EP, FP Shawn Simmons UBS Financial Services CG, EP, FP Russel Sims RiverPoint Capital Management CG, EP, FP David Singer Merrill Lynch BK, TS Jason Sirotak New England Financial IN, FP David Smith Smith, Griesmeyer & Moses BP, FP Gregory A. Smith Haberer Registered Investment Advisor FP Daniel J. Snow Cincinnati Wealth Management Advisors EP, FP, LC

INVESTMENTS Nathan Sorum Sorum Financial CG, FP, IN Dan Souders Souders Financial BP, FP Steven Spaeth Merrill Lynch BK, FP, TS John Spencer Raymond James FP Benjamin Stacy Fifth Third Securities/Fifth Third Private Bank BK, FP, TS George Strietmann Bahl & Gaynor Investment Counsel FP William H. Talmage UBS Financial Services BP, EP, FP Douglas E. Taylor UBS Financial Services IN, FP Edward Terrill Smith Barney FP Tom Thinnes Smith Barney EP, FP, IN Dean D. Trindle Merrill Lynch BK, TS Joe Turck Smith Barney EP, FP, IN Trisha Ugron Edward Jones BK, IN, LC Woody Uible Bartlett & Company Max Van Benschoten Morgan Stanley FP Greg Vonderhaare UBS Financial Services EP, FP, TS Patricia J. Wagner UBS Financial Services EP, FP, IN Tim Walsh Ameriprise Financial FP Todd Washburn UBS Financial Services CG, EP, FP Stephanie Weaks Merrill Lynch EP, FP, TS Kenneth L. Weiss Wachovia Securities

INVESTMENTS M. Jay Wertz Johnson Investment Counsel EP, FP, TX John Whedon Merrill Lynch BK CG, FP James Witte Johnson Investment Counsel CG, FP, TS Doug Wondrely Charles Schwab EP, FP Edward Woods Bahl & Gaynor Investment Counsel FP Owen Wrassman Robert W. Baird & Company CG, EP, FP

LONG-TERM CARE William G. Otto Preferred Planning Services FP, IV

TAXATION John Evans Truepoint Capital FP Crystal Faulkner Cooney, Faulkner & Stevens AC, BP, EP Brian Fowler Selker & Fowler AC Sandy Schumaker East Fleming, Brockschmidt Durkin AC, BP, EP Dee Dee West Vonlehman BP, CG, EP

TRUST SERVICES Terry Crilley US Bank BK, IV John Dakoske JPMorgan/Private Client Services EP, FP, IV David Garber Fifth Third Securities/Fifth Third Investment Advisors EP, FP, TX

WILL PREPARATION Robert Dolle Dolle Rueger And Matthews EP Crofford J. Macklin, Jr. Thompson Hine BP, EP, TX

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and the federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC®] is a financial planning designation awarded by The American College.

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BACHRACH • FINKE • BONZELLA • DOWNS • HALL

Left to right: First row: (kneeling) Elisabeth Ball, (seated) FIVE STAR Wealth Manager Matthew Bonzella, Steve Sprovach, FIVE STAR Wealth Managers Edward Finke and Nathan Bachrach; Richard Mayer, (kneeling) April Kerley; Second row: Deanna Purvis, Stephanie Bemerer, Kathy Clark, Minerva Backas, Marc Horwitz, Alex Scott, FIVE STAR Wealth Manager Sandra Faith Hall, Julie Seifert and Beth McNay; Third row: Karen Imhoff, Jean Plumley, Erin Haas, Kim Wilson, Britt Riley, Jim Stautberg, Dennis Horr, Ross Riley; Back row: Hayden Riley, Chuck Rabe and FIVE STAR Wealth Manager Glenn Downs

Nationally-Recognized Wealth Management Team by Barron’s Magazine and Pioneers in Financial Education for Businesses and Investors • Customized financial plans designed by our financial planning department • Private investment counsel, a comprehensive portfolio management system for clients • Business solutions for employers offered through our retirement planning department Areas of Focus: Financial education, retirement planning, wealth transfer and investment services, portfolio and risk management Designations: Our team includes Certified Financial Planners, college professors, professional educators and financial news analysts

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he Financial Network Group is one of the nation’s top 100 wealth advisors as recognized by Barron’s Magazine for three consecutive years.* As an industry leader and premiere investment advisory firm, FNG has more than 30 financial advisors and support staff dedicated to serving businesses and individual clients. FNG is an established firm with a knowledgeable team of investment professionals helping clients evaluate portfolios, financial goals and life

insurance needs. All members of our advisory team have more than five years of financial industry experience, hold securities registrations, insurance licenses and take continuing education courses. As a pioneer in education, FNG, home of Simply Money, is the financial news resource on FOX19 and 55KRC. Our professional educators present workshops at employers and continuing education courses through the University of Cincinnati.

7890 East Kemper Road, Suite 200 • Cincinnati, OH 45249 Office: (513) 469-7500 [email protected] • www.thefinancialnetworkgroup.com * Barron’s Magazine, 2008. From R.J. Shook, industry researcher and based on advisors who follow best practices and have the biggest books of business. The scoring system assigns a value of 10 to the top advisor, then the others’ scores by comparing each with the number one finisher of assets under management, revenue, customer satisfaction and other factors. The Financial Network Group also earned honors as one of the Top 100 investment advisors overall in the country for 2006 and was listed as one of the top 100 independent investment advisors in the US for 2007. Securities offered through Royal Alliance Associates, Inc., member FINRA, SIPC. Advisory services offered through The Financial Network Group, Ltd., a registered investment advisor.

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BAHL & GAYNOR’S FIVE STAR WEALTH MANAGERS

Left to right: FIVE STAR Wealth Managers Chip Pettengill, John Schmitz, Ellis Hummel, Bill Bahl, Lori Hudson, George Strietmann and Ed Woods

For More Than 18 Years, Our Clients Know Why the Most Important Words at Bahl & Gaynor are “Investment Counsel” • Fee-only, 100% independent and owned by the firm’s 13 experienced investment professionals • Managing $2.9 billion for high-net-worth investors and institutions since 1990 • Seek cash flow, capital appreciation/preservation through “high quality” dividend growth stocks Specializations: Custom made investment counseling solutions for you — and your family’s — unique wealth management needs Designations: Chartered Financial Analyst, Chartered Investment Counselor, Certified Financial Planner and Certified Public Accountant

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uccessful investors recognize preparation, skill and discipline are crucial to achieving their long-term financial goals. Short-term challenges and imprecise plans often hinder realizing these important objectives. At Bahl & Gaynor, 13 investment professionals provide objective “investment counseling” that begins with a full analysis of a client’s current financial situation, followed by the development and implementation of a customized strategy for each client’s unique wealth management needs. Founded in 1990, Bahl & Gaynor Investment Counsel has established a stellar reputation

for working closely with each client — and their accounting, insurance and legal advisors — to build a coordinated wealth management platform that is shaped to each client’s distinctive and individual aspirations. Exceptional client service is critically important to Bahl & Gaynor. Through close personal attention and frequent communication, Bahl & Gaynor Investment Counsel helps each client understand, implement, and ultimately achieve their longterm wealth management ambitions.

Bahl & Gaynor Investment Counsel Inc. 212 East Third Street, Suite 200 • Cincinnati, OH 45202 Phone: (513) 287-6100 • Toll-free: (800) 341-1810 www.bahl-gaynor.com • [email protected]

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MICHAEL BOHMER AND HIS INVESTMENT TEAM

Left to right: Betsy Hampel, FIVE STAR Wealth Managers John Kilcoyne and Michael Bohmer, and Tom Bohmer

We Create Unbiased Investment Strategies for Each Client, Matching the Wealth Strategy to Their Goals and Distinct Characteristics • The financial guidance and advice are objective, solely in the best interest of the clients • Investment portfolios are designed for long-term growth, with an emphasis on reduced risk • The team is experienced at skillfully navigating the complex and unpredictable financial markets Areas of Focus: Comprehensive financial planning, retirement income strategies, estate planning and efficient transfer of wealth Designations: Certified Fund Specialist, Certified Financial Planner and Certified Public Accountant

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lients of the Bohmer team appreciate — and have come to expect — two significant factors: customized investment plans and unbiased recommendations. The Bohmer team creates and monitors each investment strategy with the client’s individual factors clearly in focus, such as years until retirement, risk tolerance and other relevant considerations. The resulting plans are designed for long-term results, with staying power regardless of market conditions.

Because of the firm’s association with LPL Financial, an independent broker/dealer, investment guidance is never influenced by proprietary products. That means decisions are always in the best interest of the client. The relationship with LPL Financial gives the team access to independent research, innovative investment tools and state-of-the-art technology, all helpful in creating the portfolio and, importantly, in monitoring it.

9075 Centre Pointe Drive, Suite 100 • West Chester, OH 45069 Phone: (513) 942-9700 [email protected] • www.hairebohmer.com

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THE BOULDIN GROUP

Left to right: FIVE STAR Wealth Manager Carl E. Bouldin, Lynn Becker and Scott E. Bouldin

Building Long-Term Relationships Through Honesty and Vision • Utilizing strategies to help minimize risk • Focused on exceptional service • Customized wealth planning Specializations: Comprehensive investment advisory services tailored to our clients specific goals and needs

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arl E. Bouldin has spent 41 years in Cincinnati as a financial professional. In the ever-expanding universe of investment options, it is extremely important to keep client’s portfolios properly allocated and on track to successfully reach their goals. Carl has experienced many swings over the market in the past 41 years and emphasizes the importance and effectiveness of keeping your goals in line with your investments. Scott E. Bouldin has been working with Carl for the past 6 years and helps clients with comprehensive financial planning and asset allocation strategies.

“It is great to be able to offer personalized services while being backed by one of the biggest and most respected financial institutions in the world. Our platform and financial planning tools can accommodate any situation.” The Bouldin Group currently helps manage business 401k’s, endowments, high-net-worth families and individuals. They also manage IRA’s, college plans and help educate current and future investors. Lynn Becker assists the group with all operational issues.

The Bouldin Group at Citi Smith Barney 312 Walnut Street, Suite 1700 • Cincinnati, OH 45202 Carl E. Bouldin: (513) 762-5238 • Scott E. Bouldin: (513) 762-5325 • Lynn Becker: (513) 762-5280 [email protected] • [email protected] • [email protected] 2008 Citigroup Global Markets Inc. Memeber SIPC. Smith Barney is a division and service mark of Citigroup Gloabl Markets Inc. and is used and registered throughout the world. Citi and Citi with Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates, and are used and registered throughout the world.

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CINCINNATI INVESTMENT COUNCIL

FIVE STAR Wealth Manager Garnet Wahlund

Premier Provider of Investment Strategies • Highly personalized service — customized to each client’s needs and goals • Long- and short-term investment guidance for both individual investors and business owners • Estate planning and tax-reduction strategies Areas of Focus: Wealth management, personal finance, investment planning, retirement and business/succession planning

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incinnati Investment Council, Inc. (CIC) assists clients in planning for their financial future by maximizing economic potential and protecting earnings. Since 1995, CIC founder and president Garnet Wahlund has committed to providing a higher standard of service. Garnet and his team pride themselves

on putting an exceptional effort in to all financial planning solutions. CIC assists high-net-worth clients, executives and entrepreneurs with achieving and sustaining financial peace of mind. The firm takes a collaborative approach employing sophisticated planning techniques with creative thinking.

12077 Sheraton Lane, Suite 4 • Cincinnati, OH 45246 Phone: (513) 671-8877 [email protected] Investment Advisor Representative of Investment Advisors, a Registered Investment Advisor and division of ProEquities, Inc. a Registered Broker Dealer and member of the NASD & SIPC. Cincinnati Investment Council is independent of ProEquities, Inc.

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THE COGGINS GROUP

Left to right: Crystal Brewer, Chris Hempel, FIVE STAR Wealth Manager Cindy Coggins, Michael Cure, Angela Lawson and Andy MacWilliams

Helping You Manage the Portfolio of Your Life • Meaningful integration of life and wealth • Exceptional personal service • Comprehensive wealth planning Areas of Focus: Integrated Wealth Planning, Family Advisory Issues, Asset Management, Retirement Planning Designations: CIMA, Senior Vice President – Wealth Management, Senior Institutional Consultant, Advisor, Citi Family Office

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stablished in 1997, The Coggins Group at Smith Barney has built a client base servicing high-net-worth families, their foundations, as well as retirement plans. We are devoted to providing a financial foundation based on deep relationships, mutual respect and open communication. It is our mission to guide our clients — institutions and individuals — to an increased level of

confidence by helping them craft a strategy to weather financial seasons. We approach our business as we approach our lives, with integrity, patience, trust and a strong sense of family. Smith Barney is a division of Citigroup Global Markets Inc. Member SIPC. To learn more, visit our website or contact the team directly.

The Coggins Group at Smith Barney 312 Walnut Street, Suite 1700 • Cincinnati, OH 45202 Direct: (513) 762-5338 • Fax: (513) 762-5092 [email protected] • http://fa.smithbarney.com/cogginsgroupsb 2008 Citigroup Global Markets Inc. Memeber SIPC. Smith Barney is a division and service mark of Citigroup Gloabl Markets Inc. and is used and registered throughout the world. Citi and Citi with Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates, and are used and registered throughout the world.

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CHRISTOPHER AND CHARLES DONABEDIAN

Left to right: FIVE STAR Wealth Managers Christopher Donabedian and Charles Donabedian

Independent Thinking, Independent Research Outstanding Results in these Uncertain Times • Investment portfolios: common stocks, balanced portfolios, enhanced income • High-net-worth services: concentrated holding solutions, hedge fund management • Consulting and analysis services: private placements, business transaction structure, financial analysis Areas of Focus: Independent investment decisions driven exclusively by proprietary research Designations: CFA, MBA University of Chicago

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inston Advisors, Inc. was founded in 1994 on the principle of independent investment research coupled with a focus on managing risk. Managing investment risk is accomplished by analyzing real business risks and avoiding permanent loss of capital. The firm ignores short-term volatility caused by media noise, fear and emotion, focusing instead on long-term business fundamentals. The company follows a business acquisition approach to managing common

stocks. Using only internal research, the firm avoids the herd mentality and short-term orientation so common in the investment industry today. Portfolio companies possess specific traits, including dominant market positions, outstanding long-term earnings prospects and exceptional financial strength. Rejecting the notion of limiting portfolios to any single market capitalization, the firm buys outstanding businesses, irrespective of size.

Winston Advisors, Inc. 200 Technecenter Drive, Suite 200 • Milford, OH 45150 Phone: (513) 831-9393 [email protected] • www.winadvisors.com

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THE FRANK WEALTH MANAGEMENT GROUP

Left to right: Michael Curley Sr., Sharon Pollard, Michael Curley Jr. and FIVE STAR Wealth Manager Steven L. Frank

We Start With Your Life and Plan Your Money Around It • We are attuned to the special needs of business owners, executives, retirees and philanthropists • Past president of both the Financial Planning Association and Northern KY’s Estate Planning Council • Steve, along with his team are proud to offer Wachovia’s Envision Planning Process Areas of Focus: Comprehensive Wealth Management and Planning Designation: Steven L. Frank CFP

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ombining goals-based guidance with sophisticated statistical modeling, Wachovia Securities’ new Envision (SM) is an effective, easy-to-understand process for achieving your most important goals. The objective is to allow you to live the one life you have to live in the best way possible, without undue compromise to your current or future lifestyle, and without taking unnecessary investment risk. The Envision process allows you and your

Financial Advisor to continually monitor and test your progress throughout your life, always answering that key question: “How am I doing?” With the Envision process, your financial advisor is ready to bring new clarity to your life goals and enhance your confidence in achieving them. To begin the Envision process, contact the Frank Wealth Management Group today.

Wachovia Securities 525 Vine Street, Suite 1900 • Cincinnati, OH 45202 Phone: (513) 651-6540 • Toll-free: (800) 635-5191 Unlike financial planning, Envision does not include a detailed analysis if insurance, real estate investment or savings strategies. It also does not cover estate and tax planning. The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the investment adviser’s clients. The rating is not indicative of the investment adviser’s future performance. See the announcement page for more information on how the Five Star Wealth Managers are chosen. Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANK-GUARANTEED/MAY LOSE VALUE Wachovia Securities is the trade name used by two separate, registered broker-dealers and nonbank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC and Wachovia Securities Financial Network, LLC, Members SIPC. 0808-96230 (08/08)

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HARBOUR FINANCIAL GROUP

Left to right: Thomas J. Simyak, FIVE STAR Wealth Managers Jon P. Horvath and Keith J. Bookbinder

Helping Our Clients Navigate their Financial Voyage • Providing a wealth of experience in financial, retirement and estate planning since 1981 • Comprehensive wealth management • Rarely-used multi-advisor teamwork approach Areas of Focus: Financial planning for all stages of life, investment portfolio design and management, estate planning Designations: Keith J. Bookbinder: President, Chief Financial Strategist; Jon P. Horvath: VP, Senior Investment Strategist; T.J. Simyak: Consultant

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ince 1981, Harbour Financial Group, Inc. has been providing personalized in-depth financial planning and investment advisory services. Our work is specifically tailored to each client’s cash flow, financial and philosophical needs. Our objective is to enhance your life by helping you achieve your dreams. When you work with us, you work with all of us and benefit by our in depth experience. In this way, you get the best of our experiences and training.

For 27 years, Harbour Financial, founded by Keith J. Bookbinder, has stood the test of time by providing personalized, detailed financial planning services for the Cincinnati community. Jon P. Horvath joined Harbour Financial in 2001 with six years of prior financial planning experience. Our investment advisory team of Keith J. Bookbinder and Jon P. Horvath is honored to be selected as a 2008 Five Star Wealth Manager for Cincinnati.

Harbour Financial Group, Inc 7800 Cooper Road, Suite L1 • Cincinnati, OH 45242 Phone: (513) 891-4060 • Fax: (513) 891-4052 [email protected] Investment Advisory and Securities Offered Through Crown Capital Securities, L.P. Member FINRA/SIPC

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HENGEHOLD CAPITAL MANAGEMENT TEAM

Left to right: FIVE STAR Wealth Managers Angelo DiMarzio, Mike Hengehold and Casey Boland

Winners — Five Star Wealth Managers • Registered Investment Advisor providing independent investment counsel • Customized planning strategies focused on retirement income and wealth management • Personal attention and extensive resources to address your complex wealth planning issues Concentration: Portfolio Management, Retirement Income Strategies, Estate and Income Tax Planning Designations: CFA, CFP, CPA/PFS, Masters Degrees in Taxation, Finance and Economics

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engehold Capital Management, LLC provides asset management, financial planning and tax strategies for clients preparing for or living in retirement. The professionals at Hengehold Capital believe that financial security is achieved when one has a sufficient source of income that is in cash, diversified, dependable and growing faster than inflation. At Hengehold Capital, they know that proper planning is critical to achieving long-term success.

Their advisors have been widely recognized in the media, with Mike being quoted in national publications, such as The Wall Street Journal, BusinessWeek and Investors Business Daily. Mike Hengehold and Angelo DiMarzio have written articles for professional journals on topics ranging from portfolio diversification and currency risk to estate planning. In addition, Casey Boland can be heard every morning on 700 WLW with financial tips that can help you and your family.

Hengehold Capital Management, LLC 6116 Harrison Avenue • Cincinnati, OH 45247 4555 Lake Forest Drive • Cincinnati, OH 45242 Phone: (513) 598-5120 • Toll-free: (877) 598-5120 [email protected] • www.hengeholdcapital.com

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LIFETIME FINANCIAL GROW TH ASSOCIATES

Left to right: FIVE STAR Wealth Managers George Kavalauskas, Molly O’Connor and T. Patrick Wilson

Lifetime Financial Provides Comprehensive Planning Strategies Without Charging an Up-Front Fee • Our “Protection First” philosophy ensures that our client’s plans work under all circumstances • Our team-based approach provides a wealth of knowledge in the areas that matter most to our clients • We provide cutting-edge technology to our clients, which allow them to stay on track 24/7 Specializations: Comprehensive financial planning without an up-front fee, Insurance, Investments, Estate and Business Continuity Designations: JD, RFC, CLTC

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ifetime Financial Growth “Lifetime” provides excellence in service and innovative financial product design to help their clients reach their financial objectives in the creation, maximization, enjoyment and protection of wealth by advocating for them to make informed financial decisions which reflect their value system, love of family and commitment to community. Lifetime’s planning process uses a comprehensive approach and exclusive

technology (The Living Balance Sheet) to organize their client’s financial world. They develop a plan that is tailored to their client’s objectives. Lifetime works within the client’s current financial situation, creating strategies to help minimize taxes and maximize wealth. Lifetime ensures that the plans they implement for their clients work under all circumstances. Their client’s dreams and financial security are their number one priority.

120 East Fourth Street, Suite 1500 • Cincinnati, OH 45202 Phone: (513) 579-1114 • Fax: (513) 723-0298 www.lfgco.com Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS), 120 E. 4th Street, Suite 1500, Cincinnati, OH 45202. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 513-579-1114. Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, PAS is an indirect, wholly owned subsidiary of Guardian. Lifetime Financial Growth, LLC is not an affiliate or subsidiary of PAS or Guardian. PAS is a member FINRA, SIPC. The Living Balance Sheet® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY.

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PNC WEALTH MANAGEMENT TEAM

Left to right: FIVE STAR Wealth Managers Patrick Gibson, Mark DuBois, Mark Busher, Mark Pierani and Matthew Aquilia

Meeting the Spectrum of Wealth Management Needs • Customized wealth management solutions to help clients achieve important life goals • Personalized service based on clients’ unique concerns, ideas and plans for their future • Accessible Cincinnati-based team that’s backed by in-depth resources of a Fortune 500 company Areas of Focus: Customized investment management, financial and estate planning, trust services and private banking Designations: CFA, CFP, CPA, CIMA and MBA

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NC Wealth Management offers an experienced team right here in Cincinnati to help individuals and families achieve their financial goals. These professionals spend time to get to know their clients on a close, personal basis — and to fully understand their families’ values and long-term aspirations. They look beyond numbers and focus on what’s most important to each client. As part of one of the nation’s largest financial institutions, PNC Wealth

Management offers a comprehensive range of services, from wealth planning and investment management, to trust and estate planning, private banking and charitable solutions. The relationship manager brings together the right team of specialists to meet the client’s unique needs. Our professional team crafts customized solutions to help ensure financial security for clients today, and for generations to come.

201 East Fifth Street, Fifth Floor • Cincinnati, OH 45202 Phone: (513) 651-8466 [email protected] • www.pnc.com/wealthmanagement The PNC Financial Services Group, Inc. (“PNC”) provides investment and wealth management, fiduciary services, FDIC-insured banking products and services and lending and borrowing of funds through its subsidiaries, PNC Bank, National Association and PNC Bank, Delaware, which are Members FDIC. PNC does not provide legal, tax or accounting advice. Investments: Not FDIC Insured. No Bank Guarantee. May Lose Value. ©2008 The PNC Financial Services Group, Inc. All rights reserved.

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RIVERPOINT CAPITAL MANAGEMENT TEAM

Left to right: Front row: FIVE STAR Wealth Manager Valerie Newell, Mark Hogan, FIVE STAR Wealth Managers Russell Sims and Leon Loewenstein and Pamela Schmitt; Back row: Stephanie Parrish, Catherine Ellsworth, Ryan Brown, Kirk Koppenhoefer and Victor Lassandro III

Who’s Behind Exceptional Investment Performance? The Portfolio Manager Team at RiverPoint Capital Management • Trusted wealth management • Objective and independent financial advice • 98% client retention record Areas of Focus: Investment management, retirement and financial planning, growth and preservation of wealth

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oday’s investors are looking for strong investment performance provided by investment professionals they trust. That is hard to find in the current environment with many banks and investment firms struggling with their own poor investment decisions. As an independent firm with top-ranked performance, RiverPoint sets itself apart. “Our focus is high-quality investments — always has been, always will be,” said Leon Loewenstine, Chief Investment Strategist. The firm’s portfolio managers average 20 years’ experience, with outstanding investment

management skills and steadfast business integrity. This team has produced superior investment returns, ranked in the top 5 percent* nationally. RiverPoint also distinguishes itself with a high-level of close personal attention. “Our clients trust us because we care passionately about them and their best interests,” said Valerie Newell, Managing Director. If you would like to find a successful investment advisor with extensive knowledge and experience, RiverPoint is here to help.

RiverPoint Capital Management 312 Walnut Street, Suite 3120 • Cincinnati, OH 45202 Phone: (513) 421-3100 www.riverpointcm.com * Based on 6/30/08 information from Plan Sponsor Network (PSN) database. Inception date 12/31/02. Past performance is not a guarantee of future results.

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KEN L. STONE

Your Comprehensive Wealth Professionals • Optimal exit strategy creation incorporating income planning and asset retention • Best-in-class investments and advice • Highest regard placed upon dedicated service and integrity Designations: President and CEO, RFC Professional, Retirement and Income Planning Specialist

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en Stone, founder and CEO of Stone Financial Retirement Planning, is a well-known financial educator throughout the Cincinnati area. Thousands of investors and retirees have achieved their personal financial goals by leveraging his informative, dependable counsel. Ken brings an extensive educational background and more than 25 years of professional experience to Stone Financial clients. He promotes open dialogue with clientele and places paramount importance on maintaining unrivaled ethical standards. Ken started in the industry in 1983 with Merrill Lynch before founding Stone Financial

Retirement Planning in 1991. Ken has traveled the country, educating on a number of financial service topics including the tax-advantaged strategies and advanced estate analyses. “With our clients, we realize that it is their personal retirement plan, not ours. Furthermore, each of our clients has a vision of what they want to accomplish during retirement. Our goal is to put their plans to paper and create an exit strategy that makes their retirement dreams become a reality. This personalized approach keeps Stone Financial Retirement Planning in the top echelon of all wealth managers in the Cincinnati area.”

Stone Financial Retirement Planning 10101 Alliance Road, Suite 180 • Blue Ash, OH 45242 Phone: (513) 793-8445 • Fax: (513) 792-1200 [email protected] • www.stone-financial.com

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SUMMIT WEALTH CONSULTING GROUP

Left to right: Front row: FIVE STAR Wealth Manager Phil Ochs, Lynne Hack and Nadine Rumpke Back row: FIVE STAR Wealth Managers Wayne Scott and Shawn Simmons; Neil Binegar, Vickie Stanforth and Greg Takas

Helping Families Invest Like the Pros • Coordination of financial affairs • Holistic financial planning (1) • Confidentiality Areas of Focus: Financial planning (1) and Professional, fee-based portfolio management strategies Designation: CFP

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ummit Wealth Consulting Group is a diverse group of professionals with more than 140 years of combined experience in the financial services industry. Our mission is to build durable, integrity-based relationships by fully understanding our clients’ financial goals and to provide them with appropriate resources to pursue their goals. Individual and institutional investors often take different approaches to investing. Individual investors sometimes chase returns and make emotional decisions that can hurt their chances of success. Institutions

and professional money managers take a disciplined approach and follow a process that increases the likelihood of meeting their specific needs. By following a holistic wealth management process, we can put the principles of professional investing to work for you. Our process involves helping families set clear goals, then developing a customized asset allocation plan around those goals. We also coordinate with our clients’ accountants and attorneys to help assure that all of a family’s professional advisors are working toward the same objectives.(2) This is all tied together by a formal review process.

UBS Financial Services, Inc. 8044 Montgomery Road, Suite 200W • Cincinnati, OH 45236 Phone: (513) 792-2173 www.ubs.com/team/summitwcg ©

2008 UBS Financial Service, Inc. All Rights Reserved. Member SIPC. UBS Financial, Services Inc. is a subsidiary of UBS AG. CFP ® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by Certified Financial Planner Board of Standards, Inc., (1) Financial planning services are provided in our capacity as registered investment advisors. (2) Neither UBS Financial Services, Inc. nor its employees provide tax or legal advice. You must consult with your attorney and tax advisors regarding your personal circumstances.

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THE TRUEPOINT, INC. TEAM

Left to Right: FIVE STAR Wealth Managers Tom Bentley, Michael Chasnoff, John Evans, Wayne Lippert, and Scott Barbee

Truepoint Capital • Truepath Financial • Independent, fee-only, personal wealth advisory practice • Institutional approach employed for individual investors • Named among the nation’s top advisors by Worth, Bloomberg Wealth Manager and Medical Economics Focus: Truepoint, Inc. provides two distinct service offerings through Truepoint Capital and Truepath Financial

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ruepoint Capital provides highly customized wealth management services to high-net-worth individuals and families. Qualified specialists deliver broad-based planning and analysis integrating areas such as investment management, tax management, and estate and trust services.

Truepath Financial was developed for clients who may not require the breadth and depth of the Truepoint Capital service offering. Truepath marries customized investment management with a focused scope of financial guidance to provide a high-quality, cost-effective advisory solution.

4901 Hunt Road, Suite 200 • Cincinnati, OH 45242 Truepoint Capital: (513) 792-6648 • Truepath Financial: (513) 792-3360 www.TruepointCapital.com • www.TruepathFinancial.com

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CINCINNATI WEALTH MGMT. ADVISORS Expert Advice • Global Focus • Personalized Solutions • Team approach maximizes access to resources • Comprehensive financial planning process drives customized solutions • 65 years of combined investment experience Frederic Borowski – Ph.D, AAMS, VP Investments; Mire Jonovski – AAMS, 1st VP Investments; Daniel Snow – AWMA, CRPS, Financial Advisor

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anaging wealth requires broad and deep skill sets: knowledge, analysis, discipline, judgment and experience. The professionals at Cincinnati Wealth Management Advisors of Raymond James & Associates are your source for advice that puts the focus on you through a team approach that emphasizes ongoing education and regular communication. We build strong relationships with our clients, offering real value they recognize and appreciate. At CWMA we earn our clients’ trust and confidence through rigorous due diligence and exemplary service. Our core competencies are: Financial planning, investment management and retirement planning. To learn more about us please go to: www.CincinnatiWealth.com. Cincinnati Wealth Management Advisors of

Raymond James & Associates, Inc. Member New Your Stock Exchange / SIPC Left to right: Mire Jonovski, FIVE STAR Wealth Manager Fred Borowski, Carla Orlow and FIVE STAR Wealth Manager Dan Snow

4755 Lake Forest Drive • Cincinnati, OH 45242 • Phone: (513) 762-5150 The investment return and principal value of an investment security will fluctuate with market conditions.

CHRIS COLLIER Integrated, Comprehensive Client-Centered Planning • Coordinated and integrated approach • Strategies to help maximize your wealth • Friendly and honest Specialization: Business succession planning, non-qualified executive benefits Designations: CLU, Special Care Planner

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hris chose this career path in 1990 to make a difference in the lives of his clients. He always takes the time to listen and understand families dreams and goals. His honesty and integrity allow him to forge long-term relationships with his clients. Chris is a firm believer in integrated planning. He has affiliations with national investment/ insurance companies along with local attorneys and CPAs. Through a process of coordination and integration of his client’s entire financial lives, he develops plans that help maximize every dollar they have.

300 E Business Way, Suite 390 • Cincinnati, OH 45241 Phone: (513) 708-2560 [email protected] Chris Collier is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services Inc. Member SIPC 300 E Business Way, Suite 390; Cincinnati, Ohio 45241 (513) 579-8555. Insurance offered through MassMutual and other fine companies.

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BARBARA A. CULVER Integrity • Values • Service • Client-centered financial planner and investment advisor • Guides clients to create legacies of integrity • Not for profit consultant Areas of Focus: Investment Advisory, Financial Planning, Legacy Planning Designations: CFP, CLU, ChFC, AEP

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n addition to being a Five Star Award winner, Barbara Culver continues to be among the nation’s premier thought leaders in values-based life and legacy planning. Her unique process, purposeful planning, guides clients in creating lasting legacies and navigating through the myriad of tangible and intangible decisions to craft current life and financial plans that resonate with future generations. As an author, speaker and consultant, Barb also shares her insights and her energetic and passionate approach in training her peers throughout the nation. Congratulations, Barb, from your Resonate and ValMark teammates!

Resonate, Inc. 8837 Chapelsquare Drive, Suite B • Cincinnati, OH 45249 Phone: (513) 605-2500 www.Resonatecompanies.com Securities offered through ValMark Securities, Inc., Member FINRA, SIPC. • Investment Advisory Services offered through ValMark Advisers, Inc., a SEC Registered Investment Advisor. 130 Springside Dr., Suite 300, Akron, OH.44333, 800-765-5201. Resonate, Inc. is independent of ValMark Securities, Inc.

THE DANIEL/RENIE/ARTHUR GROUP Sophisticated Financial Advice and Planning • Financial and retirement planning • Investment consulting and alternative investments • Lending Stephen J. Renie: V.P. – Wealth Mgt.; Bruce J. Daniel: V.P. – Wealth Mgt.; Michael S. Arthur: V.P. – Wealth Mgt.; Jennifer S. Hall: Financial Advisor

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e believe each and every successful financial goal begins with a vision. Using more than 60 years of combined experience, The Daniel/Renie/Arthur Group at Smith Barney has helped clients plan for the future and realize their financial visions. Whether your goal is planning for a secure retirement, financing a child’s education, formulating a plan for your estate, or some other financial objective, our investment approach is to assist you in a way that helps you realize your financial goals.

4030 Smith Road, Suite 200 • Cincinnati, OH 45209 Phone: (513) 579-8300 • Toll-free: (800) 543-1825 • Fax: (513) 579-0050 www.fa.smithbarney.com/danielreniearthur Smith Barney is a division of Citigroup Global Markets SIPC When used wisely, borrowing can be beneficial to your total wealth management. INVESTMENT PRODUCTS: NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE

Left to right: Back Row: Alisa Mason, Bruce Daniel and Jennifer Hall Front Row: FIVE STAR Wealth Managers Steve Renie and Mike Arthur

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DOUGHERT Y & ASSOCIATES Deep Understanding, Clear Guidance • Unbiased and effective advice • Best in class resources for customized wealth management • Enriching solutions for growth, protection and distribution Areas of Focus: Wealth, retirement transition and legacy planning and management Designations: CFP, CRPC, Ph.D., MBA

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uiding you through life’s transitions, we take our role as trusted financial advisor seriously. We explore every opportunity to help you maximize all you’ve achieved in life. Our “retirement transition planning” creates the foundation toward a comfortable retirement. Using fully integrated analysis and design, we align our financial plans and strategies to guide our clients to fulfill their dreams. Offering a full complement of wealth advisory services, Charlotte A. Dougherty, CFP, is dedicated to helping meet your retirement and investment planning needs.

4030 Smith Road, Suite 400 • Cincinnati, OH 45209 Toll-free: (800) 225-6647 • Phone: (513) 745–7007 [email protected] • www.dougherty-associates.com Left to right: Front row: Tricia Smith, FIVE STAR Wealth Manager Charlotte A. Dougherty, John E. Dougherty, Jr. Back row: John E. Dougherty, III, Andrew Tedesco, Rita Anno

Associates of Dougherty & Associates are registered representatives of Lincoln Financial Advisors Corp. Securities and Investment advisory services offered through Lincoln Financial Advisors Corp., a broker dealer (member SIPC) and a registered investment advisor. CRN200806-2018018

BRIAN D. EMERY Helping Families Build Wealth • Highly personal, ongoing service • Recommending long-term investing strategies • Customized plans tailored to your financial needs Specializations: Wealth management, trust services, life insurance, investments Designations: Financial Advisor, AAMS

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rian Emery has been working with families since 1993 while Michelle, his branch office administrator, provides reliable client support. Together, their office affords clients a personal relationship backed by the support and caliber of one of the most well-known and respected names in the industry — Edward Jones. What sets them apart is their ability to know the person beyond their portfolio. “A relationship between a client and advisor is founded upon trust,” Brian says.

9654 Kenwood Road • Blue Ash, OH 45242 Phone: (513) 791-0609 [email protected] Member SIPC

Left to right: Michelle Hayes and FIVE STAR Wealth Manager Brian Emery

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FITZGERALD TORBECK BULT GROUP Helping Define and Achieve Your Life Goals • Comprehensive wealth solutions for families • Highest level of personal service • Objective advice from experienced and credentialed advisors Areas of Focus: Retirement, generational wealth planning and single stock management Professional Designations: CFAs, CFPs, CPA

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he Fitzgerald Torbeck Bult Group (FTB) is a dynamic team of 16 professionals with diverse backgrounds in finance. Together, the Team provides personalized solutions for families through comprehensive financial planning and investment advisory. The foundation of FTB’s investment philosophy is built upon capital preservation and strategic risk management.

UBS Financial Services Inc. • Fitzgerald Torbeck Bult Group 8044 Montgomery Road, Suite 200 W • Cincinnati, OH 45236 Office: (513) 794-5400 • Toll-free: (800) 543-2884 • Fax: (513) 792-3757 [email protected] Left to right: Krista Keehn, Scott Cengia, Rob Bult, FIVE STAR Wealth Managers Daniel Torbeck, Michael Fitzgerald and Kelly Wittich, William McCarthy, FIVE STAR Wealth Manager Timothy Dumont and Molly Buquo

DONNA FREEMAN • MICHAEL HEYNE Bringing Clarity to Financial Decision Making • Wealth management to help achieve retirement dreams • Comprehensive insurance and financial planning • Resourceful employee benefit solutions Areas of Focus: Financial Planning, Investments, Insurance, Employee Benefits Designations: CFP, CLU, CEBS, MSFS, JD

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hether you want to plan for your dream retirement, manage your investment assets, or provide cost-effective benefits to your employees, you need clarity. FREEMAN HEYNE can provide the clear direction, purpose and comprehensive support to accomplish your goals. Donna Freeman and Mike Heyne lead a talented team of experienced professionals committed to providing their clients with personalized service and attention to help them stay on track in today’s complex times. Individuals and businesses go to FREEMAN HEYNE for quality financial guidance, creative benefit solutions and clear-cut results.

FREEMAN HEYNE 10200 Alliance Road, Suite 101 • Cincinnati, OH 45242 Office: (513) 489-8588 • Toll-free: (888) 858-5122 [email protected] • [email protected] • www.freemanheyne.com Securities and Advisory Services offered through Multi-Financial Securities Corporation, Member FINRA, SIPC, an ING Company. Freeman Heyne is not affiliated with Multi-Financial Securities Corporation or ING.

Left to right: FIVE STAR Wealth Manager Donna Freeman and Michael Heyne

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MICHAEL A. GEORGE Helping You Achieve Your Financial Dreams • Comprehensive financial planning approach • Retirement, investment and estate planning strategies • Providing exceptional financial advice with personal service Designations: CLU, ChFC

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or the past 27 years, Mike has been working with individuals and business owners to understand what is important to them. Clients have been able to secure a comfortable retirement, reduce taxes and customize a long-term investment strategy with Mike’s help. He works to provide his clients with creative solutions to life’s complicated issues.

Tri-State Financial Group 8044 Montgomery Road, Suite 406W • Cincinnati, OH 45236 Phone: (513) 985-0320 [email protected]

Left to right: Rhonda Matarese, Angie Poirier Seate FIVE STAR Wealth Manager Mike George Seated:

Michael George is a registered representative of Lincoln Financial Advisors Corp. Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/ dealer and registered investment adviser (member SIPC). Insurance offered through Lincoln affiliates and other fine companies. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. CRN200806-20176716

PATRICIA A. HEIMBUCH AND ASSOCIATES An Ameriprise Private Wealth Advisory Practice • Helping clients realize their dreams for over two decades • Comprehensive wealth management strategies and advice • Commitment to providing exceptional personal service Specializations: Retirement Planning, Income and Asset Management, Tax Management, Wealth Protection and Estate Strategies

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atty Heimbuch has been providing sophisticated financial planning advice to high-networth clients for more than 26 years. Patricia Heimbuch and Associates is an Ameriprise Private Wealth Advisory practice that provides the high-level of experience, wisdom and service you deserve. Offering personal, one-to-one attention, we can help you grow and preserve your wealth, transfer it to those you care about and use it to fully achieve your dreams today. From the personal greeting at the door to access to the latest technology, our practice is dedicated to you. We look forward to discussing your personal dreams and goals and developing a plan to help you achieve them.

A private wealth advisory practice of Ameriprise Financial Services, Inc. 11145 Reading Road • Cincinnati, OH 45246 Phone: (513) 554-1104 • Fax: (513) 554-1105 [email protected] • www.patriciaheimbuch.com Financial planning services and investments offered through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

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KEHOE FINANCIAL ADVISORS TEAM Our Commitment to You: Listen • Educate • Guide • Listen to your financial dreams, goals and concerns • Educate with ideas that can help you realize your goals • Assist in guiding, implementing and monitoring progress Areas of Focus: Business Owner Planning, Wealth Management, Financial Planning

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or 25 years, we have been assisting clients to visualize and achieve their financial goals and objectives. We strive to put the necessary financial elements in place by placing the client’s interests first, with excellence in service as a priority. Our success is measured when our clients have succeeded in building, managing and preserving wealth, thereby allowing them to live their dream.

Kehoe Financial Services, LLC 125 Boggs Lane • Cincinnati, OH 45246 Phone: (513) 481-8555 • Toll-free: (800) 962-7920 • Fax: (513) 481-8561 [email protected] • www.kehoe-financial.com Left to right: First row: FIVE STAR Wealth Manager Steve Kehoe and Alex Mills; Second row: Tom Keller and Larry Blundred

MARK KLEESPIES • JIM GORE • GREG LUKE Relentless Focus on Our Clients’ Best Interests • Provide dependable, hands-on assistance for a full range of services • Serve clients by maintaining a cutting-edge knowledge base • Help clients meet or exceed their personal goals Specializations: Investment management, financial planning, estate planning, tax planning and business advisory

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he team at THOR Investment Management strives to be trusted advisors to our clients and their families by assisting with all financial and key life decisions. THOR brings investment strategies originally developed for large institutions to high-net-worth individuals. As a fee-based wealth management firm, THOR’s objective is to help clients achieve their financial goals through a diversified, disciplined investment approach. THOR is committed to supporting our clients for life, by helping build and preserve their wealth.

7346 Beechmont Avenue • Cincinnati, OH 45230 Phone: (513) 271-6777 www.thorinvestment.com Left to right: Jenna Kaiser, Joan Sigman, FIVE STAR Wealth Managers Mark Kleespies, Greg Luke and Jim Gore; Kevin Mackey and Allisha Curtis

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GEORGE P. KOUMOUTSOS Helping Clients Achieve Their Goals Since 1978 • In-depth analysis of current situations and future goals • Design and implement short- and long-term plans • Monitor and service plans to help clients achieve their goals Designations: Chartered Financial Consultant, Chartered Life Underwriter

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eorge Koumoutsos has more than 30 years of experience in the financial services industry. He built his practice on the belief that a strong personal relationship and commitment to exceptional service — along with a keen understanding of his clients’ goals and desires — are the keys to helping them achieve financial success. George co-founded the Omega Financial Group in 1985. Since that time, he has been twice awarded his broker-dealer’s prestigious Blue Chip Award. In addition, in 2006, the Penn Mutual Life Insurance Company awarded George its top honor, the Financial Professional of the Year.

Omega Financial Group 37 West Seventh Street, Suite 401 • Cincinnati, OH 45202 Phone: (513) 241-6325 [email protected]

PATRICIA LAUB • STEPHEN PHILLIPS Estate Planning, Trust and Family Business Attorneys • Trust, estate and wealth transfer planning • Charitable giving strategies, estate and trust administration • Closely-held business representation and succession planning

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ou built your success. We help you pass it on. Frost Brown Todd brings clarity to wealth transfer and business succession for individuals and entities across the region. We develop the right strategies for estate, income tax, retirement, charitable giving and succession planning. Our skilled, individualized service and attention to each client’s unique situation ensures that our clients make the best choices concerning the legacies they provide to those persons and organizations they care most about. Family businesses also benefit from our attorneys’ broad experience in tax matters, ranging from business organization and operation to transfer or liquidation. Trust our attorneys to help you make wise decisions about your future.

Frost Brown Todd LLC 2200 PNC Center • 201 East Fifth Street • Cincinnati, OH 45202 Phone: (513) 651-6800 • Fax: (513) 651-6981 [email protected] • [email protected] • www.frostbrowntodd.com Left to right: FIVE STAR Wealth Managers Stephen Phillips and Patricia Laub

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PETER D. MCCOLGAN Providing Comprehensive Financial Solutions • Strategies to manage and preserve wealth • Providing individuals and families comprehensive financial solutions • Sr. V.P. – Wealth Management, Financial Planning Specialist Areas of Focus: Comprehensive wealth planning including independent investment mgmt., income planning, retirement planning, estate planning and philanthropic strategies

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eter McColgan at Citi Smith Barney has been in the financial services industry since 1990. His process begins by getting to know you and your family well, by learning what you value most and adapting the vast resources of Citi Smith Barney to support your financial needs. Risk management discussions will include diversification strategies to ensure your hard-earned assets will be passed efficiently to your loved ones and lending strategies to strengthen both sides of your personal balance sheet. From the generation and growth of wealth to its preservation and eventual transfer, he collaborates with your tax and legal advisors. This results in a comprehensive plan to accurately reflect your lifestyle goals and values. Peter McColgan focuses completely on your wealth so you can spend time on the things that matter most to you.

Citi Smith Barney 312 Walnut Street, Suite 1700 • Cincinnati, OH 45202 Toll-free: (800) 543-2665 • Phone: (513) 762-5304 [email protected] • www.fa.smithbarney.com/peter_mccolgan 2008 Citigroup Global Markets Inc. Memeber SIPC. Smith Barney is a division and service mark of Citigroup Gloabl Markets Inc. and is used and registered throughout the world. Citi and Citi with Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates, and are used and registered throughout the world.

TIMOTHY R. MEYER Our First Investment is in You • Fee-only investment advice and portfolio management • Average annual client retention rate of 95% • Separately managed accounts Areas of Focus: Private, non-institutional clients Designations: BS Finance-Investment Theory and Portfolio Management, MBA

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eyer Capital Management’s clients nominated Tim because, as one put it, “He takes such good care of us. We could not be more pleased!” More than just a promise, MCM’s first investment is in you. How? As fee-only money managers, they employ the highest standard of care in the financial services industry. The Firm focuses solely on private, non-institutional clients and designs individually-managed investment portfolios to meet their needs. Clients appreciate this single-minded purpose and reward the firm with their continued business and investor referrals.

7655 Five Mile Road, Suite 209 • Cincinnati, OH 45230 Phone: (513) 772-3600 • Toll-free: (888) 772-3640 [email protected] • www.meyercapital.com Registered Investment Adviser, Ohio; de minimus exempt in all other states

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RIVER HILLS GROUP AT SMITH BARNEY Advising with Integrity, Knowledge and Service • Comprehensive wealth management advice and strategies • Professional investment portfolio management • Team of financial advisors and staff with diverse experience Team Focus: Wealth management planning, investment advisory services, custom portfolio management and estate planning strategies

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n today’s world, affluent families require a sophisticated, comprehensive wealth management strategy. This requires the knowledge and resources only provided through a team of professionals. The River Hills Group has more than 65 years of combined experience in serving the affluent client. As one of Cincinnati’s most experienced wealth planning teams, we are distinctly qualified to address the needs of affluent families. Our mission is to provide highly personalized, comprehensive wealth management strategies to help grow, preserve and most effectively transfer wealth and values for affluent families. Working to build relationships with our clients and their families, we strive to help them achieve their life goals.

312 Walnut Street, Suite 1700 • Cincinnati, OH 45208 Phone: (513) 762-5320 • Toll-free: (800) 543-2665 www.fa.smithbarney.com/riverhillsgroup Left to right: (back left) Joseph E. Spicer, (front left) FIVE STAR Wealth Manager Emerson T. Knowles, Sharon L. Johnson, (front right) Courtney K. Hass, (back right) Daniel K. Hass

2008 Citigroup Global Markets Inc. Memeber SIPC. Smith Barney is a division and service mark of Citigroup Gloabl Markets Inc. and is used and registered throughout the world. Citi and Citi with Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates, and are used and registered throughout the world.

VINCENT B. WALN Clarity • Confidence • Action • Discovery: clarify main issues, classify assets, create a vision • Implementation: integrate new strategies into your existing plan • Achievement: a continuous process for a lifetime of achievement/success Areas of Focus: Personal financial planning, insurance and risk management Designations: CLU, CFS, CLTC

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ince’s passion for the last 21 years is to help his clients achieve … that is why he guides them through the financial intelligence experience … a nine-step process divided into three distinct stages that provide structure and tools to assist his clients in focusing their intelligence to achieve greater financial success with no additional out-of-pocket outlays and no new risks.

LifePlan, Ltd. 7185 Liberty Centre Drive, Suite C • West Chester, OH 45069 Phone: (513) 755-8666 [email protected] • www.lifeplanltd.com Affiliated with the Financial Design Group Securities offered through Securian Financial Services, Inc. , Members FINRA/SIPC

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WEALTHQUEST ’S LEADERSHIP TEAM Managing Wealth with Vision, Integrity and Purpose • “No. 2 Fastest Growing Firm in Category” - Financial Advisor Mag 2008 • Nominated by TD Ameritrade to Barron’s as a Top 50 Advisor in U.S. • Coordinated implementation of client wealth management plans Designations: CFP, CFA, CPA

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ealthquest Corporation is a rising star among wealth management firms. Wade Daniel, founder and President, takes pride in his team of exceptional professionals who understand that client satisfaction is earned through service. The firm takes a unique approach to wealth management by integrating investment, financial planning and tax preparation services. National media recognition and rapid firm growth confirm that clients are seeking coordinated, independent advice. Wealthquest is committed to serving their clientele and their community with the highest professional and ethical standards.

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50 E-Business Way, Suite 120 • Cincinnati, OH 45241 Phone: (513) 530-9700 [email protected] • www.wqcorp.com Left to right: FIVE STAR Wealth Managers Stephen King, James Lenhoff, Wade Daniel and Joe Richmond

ALEX ALVAREZ

NEIL R. BOURGEOIS

Business Management Services, CPAs

Brecek & Young Advisors, Inc. 105 E Fourth St., Ste. 800 Cincinnati, OH 45202

1550 Magnolia Dr. Cincinnati, OH 45215

Phone: (513) 721-2513, Ext. 6220 Toll-free: (866) 327-3235

Phone: (513) 531-1166

[email protected]

www.bmscincy.com

Building and Protecting Your Wealth

Providing Peace of Mind • A/P, A/R, budgeting and monthly financial reports • Taxes for businesses and individuals • CFO support services, complete back office tasks

• Comprehensive financial planning • Investment management • Working with families and individuals for more than 20 years

Areas of Focus: Small Businesses, Churches, Nursing Homes and Construction Co. Designations: Member AICPA, Certified QuickBooks Professional

Designation: CFP

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amed to the Top 10 Most Dependable Accounting Professionals in the Midwest and Winner of Angie’s List Super Service Award for 2006 and 2007. It’s our goal to treat each client as part of our family. Account Managers become integral to each organization and take pride in providing the services needed to make our clients successful. BMS is different and we invite you to experience this for yourself.

n order to help you meet your financial objectives, it is important that I understand who you are, your dreams and your goals. We can work together to create a plan to help you reach and maintain your financial security. Planning strategies include: establishing an effective long-term savings plan, investing assets for growth/income, income tax reduction, maintaining a retirement income over one or multiple lifetimes, helping protect assets against such risks as death, disability and long-term care; estate and charitable planning. Member FINRA/SIPC

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FRED O. BUCKLEY

JOSHUA D. DEETER

Buckley Financial Planning

Deeter and Bodnar Advisors

7887 Moatbridge Ct. West Chester, OH 45069

5721 Dragon Way, Ste. 400 Cincinnati, OH 45227

Office: (513) 870-0071 Toll-free: (800) 217-7963

Phone: (513) 271-8535 Toll-free: (888) 305-8535

[email protected] www.buckleyfp.com

[email protected]

Independent Advice

Service, Integrity and Trust

• “No man becomes rich unless he enriches others” — Andrew Carnegie • More than 25 years experience

• Comprehensive financial planning • Long-term individual and family estate planning • Commitment to client goals and meeting their financial needs

Area of Focus: Financial planning for individuals and small business owners Designation: Masters Degree in Finance, Tulane University 1979

Focus: Financial and Estate Planning, Family Wealth Preservation Designations: Accredited Investment Fiduciary AIF, CFP Executive Diploma

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red began working in the financial services industry in 1982 and has dedicated himself to helping people pursue their financial goals. He believes that a comprehensive plan will lead to better money-making decisions, so he works closely with his clients to develop a personalized, comprehensive financial plan that can help them reach their unique goals and objectives. Fred O. Buckley, Registered Representative, Securities Offered through Securities America, Inc., Member FINRA/SIPC, Advisory Services Offered through Securities America Advisors, Inc., Fred O. Buckley, Registered Investment Advisor Representative Buckley Financial Planning and Securities America Inc. are unaffiliated

s an independent financial planner, Josh’s mission is to build longterm relationships through customized and dynamic planning for individuals and families. Through the financial planning process, he creates tailored plans to meet client’s short- and long-term goals. Values are central to Josh, so he starts every relationship by learning what is important to each individual by understanding their core values. Thank you to all of my clients/friends who made this award possible. Securities Offered Through Triad Advisors Member FINRA/SIPC.

JOHN B. GOULD

BRYAN N. GRISAK

PNC Investments 9909 Montgomery Rd. Cincinnati, OH 45242

11590 Century Blvd., Ste. 110 Cincinnati, OH 45246

Phone: (513) 791-2628 Cell: (513) 317-2816 Fax: (513) 793-6210

Office: (513) 671-4636 [email protected]

[email protected]

Wealth Accumulation, Preservation Strategies

A Unique Financial Planning Approach

• Personalized wealth management and holistic financial planning • Retirement income planning

• Objective, specific, thorough financial advice • 96% client satisfaction* • Valued personalized service

Designations: CFP, Senior Finacial Consultant

Areas of Focus: Financial planning, investments, college savings, retirement Designations: CFP, Financial Advisor

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ohn offers a solutions-based approach by customized strategies designed to meet the needs of his clients. His objectives are to exceed his clients expectations and help them create wealth through comprehensive planning. He provides a holistic comprehensive view of important financial areas such as education, retirement, tax planning, insurance planning and asset allocation which gives clients a clear view of where they currently are respective to their financial goals.

s an Ameriprise financial advisor, I believe in helping affluent individuals and families create and preserve wealth that lasts for generations. My mission is to provide customized financial planning built on a long-term relationship with a knowledgeable advisor. My goal is to help you plan for your financial goals while instilling confidence that you’re on the right track.

NOT FDIC INSURED | May Lose Value | No Bank Guarantee Securities and brokerage services are provided by PNC Investments LLC, member FINRA and SIPC. Annuities and other insurance products are offered by PNC Insurance Services, LLC a licensed insurance agency.

Financial planning services and investments offered through Ameriprise Financial Services, Inc., Member FINRA and SIPC. *Based on 2007 Ameriprise Financial Client Satisfaction Survey.

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STEVE HAWKINS

PATRICIA N. HANNA Shared Vision Advisors 4050 Executive Park Dr., Ste. 224 Cincinnati, OH 45241 Office: (513) 554-6870

225 Pictoria Dr., Ste. 110 Cincinnati, OH 45246

[email protected] www.lpl.com/trish.hanna

Office: (513) 346-1728 [email protected]

Tailored Financial Solutions

Trusted Advice, Exceptional Service • Retirement planning and investment strategies • Estate conservation and wealth accumulation strategies • Long-term care insurance and planning

• An Ameriprise Platinum Financial Services Practice • Tailored financial solutions specific to your needs • Personalized attention

Specializations: Creating strong relationships built on trust and integrity Designations: Certified Financial Planner, Certified Funds Specialist

Areas of Focus: Retirement Income, Asset Mgmt. and Tax Mgmt. Strategies Designations: Certified Financial Planner practitioner, Certified Fund Specialist

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or more than 30 years, our business has been based on strong client relationships built on trust and integrity. At Shared Vision Advisors, we share in our client’s lives by providing a road map uniquely designed for them to reach their dreams and goals. Securities offered by LPL Financial Member FINRA/SIPC

work one-on-one with my clients to understand their financial dreams. I employ a personal financial planning approach to help you understand the importance of making informed choices when it comes to your investments, retirement income, education planning, estate planning and tax management strategies. As a financial advisor, I can give you the extra confidence that comes from a relationship with someone who understands your financial goals, needs and dreams. Financial planning services and investments offered through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

ALAN R. HENNING

AUBREY HERMAN

Madison Wealth Management

Ameriprise Financial 11590 Century Blvd., Ste. 110 Cincinnati, OH 45246

2010 Madison Rd., Ste. 200 Cincinnati, OH 45208

Phone: (513) 671-4636 [email protected] www.ameripriseadvisors.com/ aubrey.x.herman

Office: (513) 871-4555 [email protected] www.madisonadvisors.com

Comprehensive Wealth Management

Optimizing Your Financial Dreams

• Advising successful individuals, families and trusts • Business owners, executives, medical professionals • Integrating multiple portfolios into a cohesive plan

• Providing world-class objective advice • Solving your specific financial issues • Proactive client service

Specializations: Coordinating with clients’ tax, trust and estate advisors Designation: Chartered Financial Analyst (CFA)

Specializations: Financial/Estate/Investment Planning Strategies Designation: Financial Advisor

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lan would like to thank Madison’s clients for the nomination. He appreciates the recognition of the firm’s client-focused approach to delivering objective advice and services integrated with clients’ life goals. Whether you are preparing for retirement, managing a concentrated equity position, handling an inheritance or creating a charitable legacy, Alan and his colleagues are dedicated to helping you reach your unique goals.

ubrey would like to thank his clients and professional associates, for their business and support in his work at Ameriprise Financial. He is dedicated to continuing to serve his clients with knowledgable advice and sound objective financial planning, through long-term relationships. It is his goal to provide each client with a customized approach to their specific financial needs and goals. Ameriprise Financial cannot guarantee future financial results. Financial planning services and investments offered through Ameriprise Financial Services, Inc. Member FINRA and SIPC.

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ANDERS K. JUEL

ELLIOT A. KRAVITZ

Brecek & Young Advisors, Inc.

E.M.C. Financial Services, Inc.

105 E Fourth St., Ste. 800 Cincinnati, OH 45202

7577 Central Park Blvd., Ste. 209 Mason, OH 45040

Office: (513) 721-2513, Ext. 6239 Toll-free: (866) 327-3235

Phone: (513) 229-0086 [email protected] www.emcfinancialonline.com

[email protected] www.andersjuel.com

Independent Advice, Unique Solutions

State of the Art Personal Service

• Exceptional objective financial advice • Attentive personal service • Long-term relationships

• Providing comprehensive, personalized, objective financial advice • Securities, tax planning and preparation, risk management • Trusted advice, exceptional service

Areas of Focus: Comprehensive financial planning and wealth management

Areas of Focus: Helping individuals and small businesses define, plan and achieve their goals focusing on Taxation and Financial Planning

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o Anders, objectivity means not getting emotionally involved in market shifts. Ignoring the advice of neighbors, co-workers and the media. Charting your own course and following the plan. Anders believes the best service he can offer is to help clients think independently, avoid short-term trends and leverage his advice to remain focused on the agreed upon goals. Securities offered through Brecek & Young Advisors, Inc., a Registered Investment Advisor-Broker Dealer. Member FINRA/ SIPC.

or more than 27 years I have truly enjoyed helping my clients achieve their financial dreams. Taking the time to help people understand their financial decisions and providing customized plans tailored to each individual has been the key to creating lifelong relationships in my practice. I would like to help you exceed your dreams. Securities offered through Waterstone Financial Group. Inc. Member FINRA/SIPC 500 Park Blvd, Suite 800, Itasca, IL 60143 630-250-7000 E.M.C. Financial Services, Inc. and Waterstone Financial Group, Inc. are independently owned and operated.

TINA T. MANION

JEFF A. MCKANNA

Retirement Planning Specialists

Edward Jones 434A Springfield Pike Wyoming, OH 45215

11429 Brittany Woods Ln. Cincinnati, OH 45249

Phone: (513) 821-2960 [email protected] www.edwardjones.com

Office: (513) 469-7899 [email protected] www.tinamanion-rps.com

Facing the Future with Confidence

Integrity, Commitment, Service for All

• Author of “Getting Ready for Retirement” • 29 years of experience • Retirement planning and sound investment strategies

• Personal portfolio review • Retirement plan rollovers and consolidation • Business retirement plans

Specializations: Advising clients to pursue their financial goals Degrees: University of Cincinnati, A.S. and B.A.

Areas of Focus: Investments and Insurance Designation: AAMS

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ina is an independent financial advisor and founder of RPS working primarily with individuals and couples in their 50’s and 60’s. In designing a personalized retirement plan, she provides answers to clients’ questions and concerns, and uses widely accepted investment strategies to ultimately help generate a reliable retirement income. Securities and advisory services offered through FSC Securities, member FINRA, SIPC, and a Registered Investment Adviser. AIG Advisor Group is a marketing designation for certain broker-dealers, insurance agencies and investment advisers affiliated with American International Group, Inc. RPS is not affiliated with FSC Securities Corporation or registered as a broker/dealer or investment adviser.

eff is committed to working with individuals like you to identify and develop a long-term financial strategy to achieve your personal goals. He understands that his clients trust him to be focused as their financial advisor to keep them financially on track providing for their future. To learn more about investing and implementing a personalized investment strategy, contact Jeff today. Member SPIC

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DIETER H. MEWS

MIKE MORGER

Whitehall Financial Services, Inc. 4015 Executive Park Dr., Ste. 300 Cincinnati, OH 45241

225 Pictoria Dr., Ste. 110 Cincinnati, OH 45246

Office: (513) 733-0425 Cell: (513) 515-4323

Phone: (513) 346-1766 [email protected]

[email protected]

Guiding You To Financial Success

Your Goals are My Targets

• Providing relationship-oriented, personalized service • Offering fee-based investment advisory management • B.S. – Miami University

• An Ameriprise Private Wealth Advisory Practice • More than 25 years in practice • One-to-one attention

Titles: Ind. Investment Advisor Rep., Multiple Securities Licenses, Life/Health/Annuity Licensed, Pres./Co-Founder/Senior Partner of Whitehall Financial Services, Inc.

Areas of Focus: Retirement Income, Tax Mgmt. Strategies and Wealth Transfers Designations: Certified Financial Planner practitioner, Senior Financial Advisor

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ieter has assisted his clients for the past 15 years to achieve success by taking the time to listen and understand their needs, concerns and goals. A strict believer in comprehensive wealth planning he works with a team of accountants, lawyers and business partners to establish wealth accumulation, retirement and estate planning, and wealth transfer strategies for his broad base of clientele. Securities offered through Great American Advisors®, Inc. Member FINRA & SIPC Branch Office: 4015 Executive Park Dr., Ste 300 Cincinnati, OH 45202 (513) 733-0004 Investment Advisory Services offered through Whitehall Financial Services GAA & Whitehall Financial Services, Inc. are not affiliated

t’s not just about the numbers; it’s about your dreams. I work oneon-one with each of my clients to understand what is important and unique to them and their families. I have experience in planning for entire families — from grandparents to grandchildren. As this award attests, my staff and I have consistently been recognized for providing excellence in client satisfaction. Financial planning services and investments offered through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Ameriprise Financial cannot guarantee future results.

WILLIAM G. OT TO

HUGH S. (PAT) PAT TON

Preferred Planning

Ameriprise Financial

130 E Main St. Lebanon, OH 45036

225 Pictoria Dr., Ste. 110 Cincinnati, OH 45246

Office: (513) 934-2696 Toll-free: (888) 488-9955

Phone: (513) 346-1776 Toll-free: (800) 886-2255

[email protected]

[email protected] www.ameriprise.com

Thank You Clients and Trusted Advisors

Our Approach: Dream > Plan > Track>®

• Preserve assets from catastrophic spend down process • Coordinates the process with fellow expert advisors • Provide wealth and income solutions for over a decade

• Define your dreams • Develop your plan • Track your progress

Areas of Focus: Successful in highly specialized field of asset protection Designation: Certified Senior Advisor*

Areas of Focus: Financial/Estate Planning Strategies and Investment Mgmt. Designations: CFP, Senior Financial Advisor

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ertified Senior Advisor, Bill Otto, knows the complex issues the families of seniors face. He and his network of experts excel in educating and protecting families on asset preservation. Through this process they help clients avoid the potential catastrophic costs of nursing home spend down, estate recovery, probate and help efficiently manage the smooth generational transition of assets. “Return on your investments is important,” Bill advises,“but we guide families to focus on catastrophic health care costs which can devastate even the best made plans.” Securities offered through Harbour Investments, Inc., Member FINRA & SIPC * The CSA designation alone does not imply expertise in financial matters.

etting what you want in life starts with a dream. Making that dream a reality needs a solid plan. It’s comforting to know through life’s up and downs that you have a financial advisor with more than 27 years of experience watching over you and your family. Pat will help you spend less time worrying about your money and more time enjoying life. Ameriprise Financial cannot guarantee future financial results. Financial planning services and investments offered through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

F I V E S TA R W E A LT H M A N AG E R S

B E S T I N C L I E N T S AT I S FA C T I O N

BOB SPONSELLER

PAUL R. RIGNEY

Sponseller Wealth Management 4866 Cooper Rd., Ste. 105 Cincinnati, OH 45242

4555 Lake Forest Dr., Ste. 323 Cincinnati, OH 45242

Phone: (513) 792-9200

Office: (513) 733-0600 [email protected] www.sponsellerwealthmgmt.com

[email protected]

What Our Clients Want …

Integrity, Experience, Personal Service

• Safety first • Reasonable rate of return • Simple

• Customized, comprehensive wealth management services • Independent and unbiased investment advice • Guidance to maximize the legacy of your wealth

Areas of Focus: Safe Retirement Strategies Designations: Life, Annuities, Long-Term Care , Securities Licensed, Magna Cum Laude U.C.

Focus: Fee-based investment, retirement income and estate planning Designation: ChFC

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e do what’s right, not what’s popular. We take the time to educate you and help you actually understand what you’re doing. We are committed to creating lifelong relationships and are passionate about understanding our clients’ goals and providing customized solutions. Communication is very important. Keeping our clients informed on their portfolios and making sure that planning is adjusted to their changing needs. Our clients ask us to help them find the “leaks” in their asset bucket, fix the “leaks” in their bucket, address their financial future and eliminate market risks.

ince 1991, Bob Sponseller and his team have been serving their clients with integrity and excellence in everything they do. With personal service, attention to detail and their wealth management resources, Bob and his team help their clients achieve financial clarity and peace of mind — allowing them to focus on their unique areas of life that provide true wealth, meaning and fulfillment. Securities offered through LPL Financial, Member FINRA/SIPC

DENIS STILLMAN

TIM WALSH Ameriprise Financial Orchard Hill Professional Center 3174 Mack Rd., Ste. 2 Fairfield, OH 45014

1251 Nilles Rd., Ste. 1 Fairfield, OH 45014

Phone: (513) 874-6600

Office: (513) 939-2170, Ext. 11

[email protected]

[email protected]

Committed to Exceptional Personal Service

Experienced, Knowledgeable, Insight

• Specialized retirement and income planning solutions • Integrity — open and honest working relationship • Valued personalized service

• Investment management • Retirement planning • Estate planning strategies

Areas of Focus: Wealth management strategies and advice Designations: Sr. Financial Advisor, Certified Sr. Advisor, Circle of Success

Designations: Chartered Financial Consultant, ChFC; Certified Life Underwriter, CLU; Financial Advisor

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ith more than 20 years of experience, I work with my clients to design a financial strategy that is customized and unique. By starting with the Ameriprise Financial Dream Book guide, I work with my clients to think beyond the numbers and to focus on their dreams. By utilizing the Dream > Plan > Track > approach to financial planning, my clients learn that this is an ongoing process where we work together to define their dreams, develop their plan and track their progress.

ince his start as a financial advisor in 1987, Tim’s commitment has been to provide a high level of personalized, objective financial advice to his clients. His ability to do so is the result of his gaining and maintaining an understanding of each client’s goals, objectives, time frames and risk tolerance through ongoing and interactive client relationships. Tim has a genuine interest in each client’s well being.

Financial planning services and investments offered through Ameriprise Financial Services, Inc., Member FINRA and SIPC. © 2008 Ameriprise Financial, Inc.All rights reserved.

Financial planning services and investments offered through Ameriprise Financial Services, Inc. Member FINRA and SIPC

F I V E S TA R W E A LT H M A N AG E R S

B E S T I N C L I E N T S AT I S FA C T I O N

KENNETH L. WEISS Wachovia Securities, LLC 8044 Montgomery Rd., Ste. 570 Cincinnati, OH 45236 Phone: (513) 985-2079 Toll-free: (866) 266-8117 [email protected] www.wachoviasec.com

Your Successful Retirement is My Main Goal • Are your current finances set up to meet your investment goals? • Have you lost sight of your retirement goals? Specializations: Investment and Retirement Planning, Investment Management Designation: Managing Director – Investments

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would like to thank my clients for validating my efforts on their behalf.

Additional Disclosures: The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the investment adviser’s clients. The rating is not indicative of the investment adviser’s future performance. See the announcement page for more information on how the Five Star Wealth Managers are chosen. Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANK-GUARANTEED/MAY LOSE VALUE Wachovia Securities is the trade name used by two separate, registered brokerdealers and nonbank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC and Wachovia Securities Financial Network, LLC, Members SIPC. 0708-94073 (08/08)

LEO BROERMAN

KEN BYERS

L J B Investment Services 11260 Chester Rd., Ste. 110 Cincinnati, OH 45246 Phone: (513) 772-1115 [email protected]

Ken Byers & Associates 7710 Shawnee Run Rd. Cincinnati, OH 45243 Phone: (513) 561-0011 [email protected]

Areas of Focus: Financial Planning, Investment Management, Long-Term Care, Disability, Life Insurance

Specializations: Succession Planning, Retirement Plan Design, Wealth Mgmt. and Wealth Transfer Designations: CLU, ChFC, AEP

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eo works with you to make financial planning an easy process, focused on your needs! Dave Ramsey’s endorsed local provider for more than five years. Securities, Financial planning and Advisory services Offered Through LPL Financial Member FINRA/SIPC

have been providing creative financial solutions for more than 35 years. My mission is to help business owners transition their businesses, minimize their taxes, maximize their income and live their dreams.

CHRISTINE M. DEMANN

LOUIS B. DISSEL

JOHN D. DOVICH

DEREK G. HASSENPFLUG

PNC Investments 939 Hempstead Dr. Cincinnati, OH 45231 Phone: (513) 521-0837 [email protected]

UBS Financial Services Inc. 580 Walnut St. Cincinnati, OH 45202 Office: (513) 579-5014 [email protected]

John D. Dovich & Associates, LLC 625 Eden Park Dr., Ste. 310 Cincinnati, OH 45202 Phone: (513) 579-9400 www.jdovich.com

H&R Block Financial Advisors 9825 Kenwood Rd., Ste. 103 Cincinnati, OH 45242 Office: (513) 984-9700 [email protected]

Areas of Focus: Investments, retirement planning Designations: Assistant Vice President, Senior Financial Consultant

Specializations: Wealth Management, Business Planning, Estate Planning Strategies Designation: CFP

Specializations: Comprehensive financial, investment and wealth management planning Designations: ChFC, CLU

Focus: Wealth Management, Financial Planning Designations: Certified Financial Planner, Practitioner

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hank you for selecting me “Best in Client Satisfaction.” At PNC Investments we serve investors by helping to build, manage and preserve wealth. We are dedicated to helping you reach your unique financial goals.

ouis works with each client to build personalized investment, retirement and estate planning strategies. His skills as a CFP combined with the global resources of UBS, the world’s largest wealth manager, offer an indepth quality client experience.

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e are nimble, creative problem solvers with no preconceived ideas or off the shelf answers. We examine the issues, analyze the alternatives and help clients devise effective solutions. Investment Advisory Services offered through John D. Dovich & Associates, LLC, a Registered Investment Advisor.

Investment services and securities products offered through H&R Block Financial Advisors, Inc., member FINRA/SIPC, a registered brokerdealer, registered investment adviser and subsidiary of H&R Block, Inc. H&R Block, Inc. is not a registered broker-dealer or a registered investment adviser.

F I V E S TA R W E A LT H M A N AG E R S

B E S T I N C L I E N T S AT I S FA C T I O N

THOMAS J. LALLEY

MARK C. PAT TERSON

RON ROSSELOT

GARRY W. RUTLEDGE JR

John D. Dovich & Associates, LLC 625 Eden Park Dr., Ste. 310 Cincinnati, OH 45202 Phone: (513) 579-9400 www.jdovich.com

Robbins, Kelly, Patterson & Tucker 7 W Seventh St., Ste. 1400 Cincinnati, OH 45202 Phone: (513) 721-3330 [email protected]

Saxon Financial Consulting 7800 E Kemper Rd., Ste. 130 Cincinnati, OH 45249 Phone: (513) 573-0129, Ext. 237 [email protected]

Specializations: Comprehensive financial, investment and wealth management planning Designations: CFA, CFP

Areas of Focus: Estate Planning Law, Wills and Trusts, Probate/ Trust Administration, Business Law

Rosselot Financial Group, Inc. 7450 Jager Ct. Cincinnati, OH 45230 [email protected] www.rosselotfinancial.com

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e are nimble, creative problem solvers with no preconceived ideas or off the shelf answers. We examine the issues, analyze the alternatives and help clients devise effective solutions. Investment Advisory Services offered through John D. Dovich & Associates, LLC, a Registered Investment Advisor.

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t our law firm, we assist our clients in achieving their personal and financial goals, as well as obtaining favorable estate tax results and asset preservation. For more information, go to www.rkpt.com.

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FG provides money mgmt., business continuation, wealth transfer and personal financial strategies to business owners, highly compensated individuals and individuals enjoying their retirement years. Registered representative of and securities offered through Invest Financial Corporation,member of FINRA/SIPC.Invest and RFG are not affiliated.

Areas of Focus: Financial Services

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arry has more than 20 years of experience and is devoted in building long-term relationships with his clients. Being fee-based allows him to be truly objective in his recommendations. Alternative investments and tax favored income is an area of focus.

Need a great Wealth Manager?

ETHAN STANLEY

JOSEPH SHULTS

100 E Business Way, Ste. 100 Cincinnati, OH 45241 Phone: (513) 247-1539 [email protected] Designations: CFP, CLTC

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s a financial advisor, Joe helps individuals and small business owners create and maintain financial security. Financial planning services and investments offered through Ameriprise Financial Services, Inc. Member FINRA and SIPC.

UBS Financial Services 580 Walnut St. Cincinnati, OH 45202 Phone: (513) 579-5903 [email protected] Specializations: Investment allocation, retirement income, wealth planning

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than Stanley enjoys working with individuals, families and small businesses to create a meaningful relationship that will help his clients pursue their financial goals.

MARK B. SUT TON

225 Pictoria Dr., Ste. 110 Cincinnati, OH 45246 Phone: (513) 346-1771 [email protected]

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Title: Senior Financial Advisor

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ark focuses on defining his clients’ dreams, creating customized financial plans for their goals while tracking progress along the way. Each vision is unique and Mark believes their plan should be too. Financial planning services and investments offered through Ameriprise Financial Services,Inc.,Member FINRA and SIPC.

Wealth Managers interested in learning more about the FIVE STAR Program, please call 1-800-438-5782 or visit our Web site at: www.fivestarprofessional.com