Raymond James & Associates

Charters “Jay” Osborne is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is a senior member of Osborne Lawless & Associates, serving as one of the team’s planning counselors with a focus on annuities and individual stock research. Jay has been with Merrill since 2004. Jay holds a Bachelor's degree in Sport Sciences from The Ohio University. He has earned several professional designations, including Chartered Financial Consultant® (ChFC), Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA™), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He lives in Lexington with his wife, Leslie, and their two dogs. Jay is an active swimmer with the Wildcat Masters swim team and enjoys playing golf.

Seth Lawless is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management and a managing partner of Osborne Weber Lawless & Associates. His professional focus includes retirement and legacy planning, working particularly with engineers, doctors, pharmacists, and family business owners. Seth specializes in helping families navigate complex financial transitions, including assisting aging clients with engaging their children in financial affairs and developing strategies to transfer wealth across generations. He also works with clients to create investment strategies that prioritize charitable giving while maintaining tax efficiency. Seth graduated Summa Cum Laude from the University of Kentucky as a Singletary Scholar, earning a Bachelor of Business Administration with a double major in Business Management and Finance. He began his career in financial services as an intern during the 2009 financial crisis and joined Merrill Lynch in 2010. His professional credentials include FINRA Series 7 and 66 registrations as well as the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Chartered Retirement Planning Counselor (CRPC) designations. Living in Lexington with his wife, Sarah, and their two children, Seth is involved in his community and church. He has served in multiple roles at Southland Christian Church, including a seven-year term on the finance committee. He is Vice President of the Board of the Refuge Medical Clinic and has an extensive history with the Man o’ War Swim Conference, serving on its board and as past president. Seth’s community leadership also includes involvement with the Wilmore Dolphins and the Lexington Sunrise Rotary Club.