My mission is to provide independent and reliable financial planning, coaching and investment advisory services for the purpose of enhancing the financial well-being of clients and their communities. As Founder and Chief Compliance Officer of NorthPoint Financial Planning my guiding principle is to be the financial advisor that I always wanted to hire before becoming one; that is, one who: ♦ develops a strong relationship and a nuanced understanding of each client's goals and expectations ♦ does the 'legwork' and research before recommendations are made ♦ provides specific recommendations based on experience and thorough analysis ♦ offers full transparency regarding compensation received for services My areas of expertise include: ♦ Financial Planning ♦ Investment Management ♦ Small Business Retirement Plans ♦ Insurance Analysis Prior to founding NorthPoint Financial Planning, I enjoyed a successful career serving as director for a diversified financial services enterprise; providing insurance and asset management solutions to financial advisors and their clients. My experience includes over 30 years of helping clients to achieve their personal, business or plan sponsor related financial objectives. I have served as Past President of the Columbus Chapter of the Society for Financial Service Professionals, a multidisciplinary network of professional advisors including those designated as CFP, CPA, JD, CLU and ChFC. The Society's mission is to support the highest standards of ethical and professional achievement and to promote awareness by the general public of the benefits of working with a professionally designated advisor. Education ♦ University of Dayton - Dayton, OH ♦ Bachelor of Science, Finance - 1989 ♦ Drexel University - Philadelphia, PA ♦ Masters of Business Administration, Finance – 1999 Licensure & Registrations ♦ Investment Adviser Representative

Bradley Ridge is a financial advisor at H&M Financial Advisors with 25 years of industry experience. He holds a Series 65 designation and has been with H&M Financial Advisors since 2000. In addition to his advisory role, he is a partner at Holbrook & Manter, a CPA firm, where he works approximately 160 hours per month. H&M Financial Advisors provides co-advisory and fiduciary services to retirement plans, trusts, and other institutional clients, focusing on financial planning, trust administration support, and independent manager selection. The firm operates primarily as a co-advisor and referral partner, collaborating with an SEC-registered manager for active portfolio management.

Matthew Ruttenberg is a financial advisor with Life, Inc. Retirement Services, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Life, Inc. Retirement Services since 2019 and has worked with Cambridge Investment Research Advisors and Cambridge Investment Research since 2013. Outside of his advisory roles, he is a co-owner of Ruttenberg & Company LLC, a financial planning firm, and part-owner of The Money Twins, a financial education provider. Life, Inc. Retirement Services offers portfolio management, financial planning, and pension/401(k) consulting to individuals and small-business plan sponsors, focusing on long-term strategies guided by fundamental analysis, quantitative models, and modern portfolio theory. The firm serves primarily non-high-net-worth clients and manages a significant portion of assets on a non-discretionary basis.

Robert Buckley is a financial advisor at H&M Financial Advisors with 25 years of industry experience. He holds a Series 65 designation and has been with H&M Financial Advisors since 2000. In addition to his advisory role, he is a partner at Holbrook & Manter, a CPA firm, where he is actively involved. H&M Financial Advisors provides co-advisory and fiduciary services to retirement plans, trusts, and institutional clients, focusing on financial planning, trust administration, and independent manager selection. The firm partners with an SEC-registered manager for portfolio management while offering planning, client coordination, and pension consulting services.

Kurt Altrichter is a financial advisor with Life, Inc. Retirement Services in Delaware, OH, holding a Series 65 designation and nine years of industry experience. He previously worked at HighMark Wealth Management and Heritage Wealth Architects. Outside of his advisory role, Mr. Altrichter serves as an Infantry Officer in the Army National Guard and is Treasurer on the Board of Directors for the Saint Thomas Academy Alumni Association. Life, Inc. Retirement Services provides portfolio management, financial planning, and pension/401(k) consulting to individuals and small-business plan sponsors, focusing on a long-term trading approach using fundamental and quantitative analysis. The firm manages most assets on a non-discretionary basis and operates across five offices with a team of four advisors.

Matthew Stewart is a financial advisor at Forestview Financial Partners, LLC with 16 years of industry experience. He holds the CFP® and ChFC® designations and previously worked at Stratos Wealth Partners, Ltd and KEYBANK. He is also the owner of The Benefits Design Group, LLC, an Ohio-licensed insurance agency. Forestview Financial Partners serves individuals, business owners, and institutional clients with comprehensive portfolio management, financial planning, and pension consulting. The firm employs a multifaceted investment process that includes discretionary and non-discretionary mandates, derivatives strategies, and access to private equity and alternative managers.

Michael Coury is a Series 65 licensed advisor with 12 years of industry experience. He has been with First Hedge Capital Management since 2013. The firm serves primarily high-net-worth individuals, trusts, estates, corporations, and institutional clients, providing discretionary portfolio management, sub-advisory services, and access to a private pooled investment vehicle. First Hedge Capital Management employs a technically driven, short-term investment approach focused on options and derivatives trading, managing accounts on a discretionary basis with active monitoring and leverage tools.

Robert Coury is a financial advisor at First Hedge Capital Management in Delaware, Ohio, holding a Series 65 designation with 12 years of industry experience. He has been with First Hedge Capital Management since 2013. Coury has investment interests in publicly traded securities through First Hedge LLC, where he is the majority member. First Hedge Capital Management primarily serves high-net-worth individuals, trusts, estates, corporations, and institutional clients, offering discretionary portfolio management, sub-advisory services, and access to a private pooled investment vehicle. The firm employs a technically driven, short-term investment approach focused on options and derivatives trading, managing accounts with active monitoring and leverage tools.

Earl Manter is a financial advisor at H&M Financial Advisors with 25 years of industry experience. He holds a Series 65 designation and has been with H&M Financial Advisors since 2000. Manter is also a partner at Holbrook & Manter LLP, a CPA firm, where he works 160 hours per month. H&M Financial Advisors provides co-advisory and fiduciary services to retirement plans, trusts, and other institutional clients. The firm partners with an SEC-registered manager for active portfolio management while offering planning, client coordination, trust administration support, and pension consulting services.

Ryan Neff is a financial advisor at Life, Inc. Retirement Services with 11 years of industry experience. He holds a Series 65 designation and has been with Life, Inc. since 2014. The firm provides portfolio management, financial planning, and pension/401(k) consulting services to individuals and small-business plan sponsors, using fundamental analysis, quantitative models, and modern portfolio theory to guide investment decisions. Life, Inc. serves mostly non-high-net-worth clients and manages assets primarily on a non-discretionary basis across multiple offices.

Michael Sullivan is a CFP® professional with 27 years of industry experience. He is currently with Silver Oak Securities, Incorporated and has previously worked at Securities America Advisors, Inc. and Securities America, Inc. since 2002. Outside of his advisory role, he serves as an insurance agent and president of Wealth Coach Financial Services, where he places occasional term policies and fixed annuities. Silver Oak Securities, Inc. provides advisory services to individuals, families, corporations, retirement plans, and charitable organizations, managing over $2 billion in discretionary assets through a network of more than 100 financial professionals. The firm offers individualized portfolio management, unified managed account programs, financial planning, and solutions for held-away retirement plan assets, delivering investment advice primarily on a discretionary basis.

Amanda Hall is a financial advisor with OneSeven, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has worked at firms including International Assets Advisory, LLC, Purshe Kaplan Sterling Investments, Inc., and Morgan Stanley Smith Barney LLC. Outside of her advisory roles, she is the sole member of Kazmom Holdings, LLC, which currently has no active business. OneSeven provides investment advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans. The firm employs a primarily long-term investment approach with diversified portfolios including mutual funds, ETFs, individual securities, and access to alternatives and private placements.

Jeffrey Zimmer is a financial advisor with Ausdal Financial Partners, Inc. in Downers Grove, IL, holding Series 63, 65, and 66 licenses and bringing 40 years of industry experience. He has been with Ausdal Financial Partners since 2010. Outside of his advisory role, he serves as president of the Courtyard of Clear Creek Home Owners Association and is CEO of Aperature Wealth Partners, where he is involved in insurance sales. Ausdal Financial Partners is an SEC-registered investment adviser and FINRA-member broker-dealer managing approximately $2.13 billion in client assets through a network of 152 advisors. The firm offers investment advisory programs, retirement plan services, and financial planning to individuals, trusts, corporations, pension plans, and charitable organizations, employing a range of investment strategies across discretionary and non-discretionary accounts.

Lisa Bush is a financial advisor with Sanctuary Advisors, LLC, holding Series 63 and Series 66 licenses and 13 years of industry experience. Her prior roles include positions at Bank of America and Merrill. She serves as Secretary of the Women's Club Home, Vice President of the Women's Business Council, and is a member of the Ohio State University Marion Advisory Board. Sanctuary Advisors provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs through various account types and utilizes a range of sub-advisors and third-party model platforms to implement and monitor strategies.

Danielle Landon is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 17 years of industry experience. She has worked with Commonwealth since 2016 and previously with Cetera Advisor Networks LLC and Scharer Investment Consultants. Outside of her advisory role, she serves as a cheer coach at Eglin Middle School in Marion, Ohio. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with a range of advisory programs and services. The firm provides operations, technology, investment management, and compliance support while offering advisors access to discretionary model portfolios and customized investment programs.

Thomas Savage Sr. is a financial advisor with Commonwealth Financial Network in Westerville, OH, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. He previously worked at Nationwide Investment Services for 21 years and is a co-owner of Whetstone Financial, LLC. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services along with operational, trading, technology, investment management, compliance, and practice-management support.

Robert Dice III is a financial advisor with Fifth Third Securities, Inc. in New Albany, Ohio. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Fifth Third Securities since 2009. Fifth Third Securities, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate clients, and institutional investors. The firm provides multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a subsidiary of Fifth Third Bank with a distinctive municipal-advisor registration.

Jason Rizzo is a financial advisor at Fifth Third Securities, Inc. with 23 years of industry experience. He holds the Series 66 designation and has been with Fifth Third Securities since 2009. Outside of his advisory role, he is a member and owner of R Squared LLC, a rental property management business in Galena, Ohio. Fifth Third Securities provides brokerage and investment advisory services through its Passageway Managed Account Program to a diverse client base, including individuals, charitable organizations, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Todd Tarney Sr. is a financial advisor at The Huntington Investment Company with 33 years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at LPL Financial, CUNA Mutual Group, CUNA Brokerage Services, Nsllc, and Nationwide Financial. The Huntington Investment Company provides advisory and wrap-fee programs to individual, charitable, corporate, and retirement clients. The firm operates an open-architecture, model-driven platform combining third-party sub-managers, wrap strategists, and proprietary models, overseeing approximately $6.3 billion in assets across nearly 400 advisors.

Caleb Ulmer is a CFP® with six years of industry experience, currently serving as a financial advisor at Sanctuary Advisors, LLC. His prior experience includes roles at Raymond James Financial Services and multiple regional banks. He is a board member of the Avita Foundation, where he helps organize community events and participates in quarterly board meetings. Sanctuary Advisors provides investment advisory and financial planning services to individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs through various account structures and utilizes sub-advisors and third-party model platforms to implement strategies.