Designations and Licenses

Casey is a CERTIFIED FINANCIAL PLANNER™ professional.

Experience and Education

Casey provides clients with comprehensive wealth management services to help them achieve their goals as well as integrated planning and strategies to help them grow and protect their wealth.

Prior to joining Mariner, Casey was a financial analyst at Medpace, where he assessed, consolidated and recorded revenue. He also maintained financial models and systems to drive financial budgeting. Before that, Casey worked at Midwest Switchgear Services as a controller managing company-wide accounts payable and receivable, expense management and reimbursement.

Casey holds a Bachelor of Arts in Business Administration from Transylvania University.

Personal Interests

Away from the office, Casey enjoys golfing, skiing, hiking, cycling and pickleball. He is a fan of the Cincinnati Bengals, FC Cincinnati and Notre Dame football. Additionally, he serves on the board of the Southern Ohio Chapter of the Crohn’s and Colitis Foundation and is co-chair of the Crohn’s & Colitis Night For a Cure Planning Committee.

Designations and Licenses

Corey is a CERTIFIED FINANCIAL PLANNER® professional and holds life and health insurance licenses.

Experience and Education

Corey works with individuals, families and institutions to provide customized wealth strategies. He strives to understand each client’s unique situation by helping them identify and prioritize goals and then develop a defined plan to reach them. He looks to implement strategies or identify gaps in the following areas: income tax planning, estate and succession planning, investments, cash flow planning, risk management, employee benefit planning and education planning.

Prior to joining Mariner, Corey worked at Edward Jones Investments, where he held multiple positions, his last being financial advisor. In this role, he helped businesses and individuals with retirement planning and investment strategies. Earlier in his career, he worked at AXA Advisors as a financial representative, helping with qualified retirement plans.

Corey holds a bachelor’s degree in finance and accounting from Florida State University. He also attended Xavier University, where he completed the executive course in financial planning.

Personal Interests

Corey sits on the Emerging Leader Committee with the Cincinnati Parks Foundation.

Designations and Licenses

David is a CERTIFIED FINANCIAL PLANNER™ professional.

Experience and Education

David provides personalized wealth planning solutions for high-net-worth individuals, families and business owners. He designs and implements customized wealth plans that include tax and estate planning, insurance solutions and retirement planning with a focus on meeting clients’ long-term objectives.

Prior to joining Mariner, David was a private wealth manager at Creative Planning. Before that, he worked at JP Morgan as a private client advisor. Earlier, he served as a branch manager, assistant branch manager and investment consultant at Scottrade.

David has a bachelor’s degree in real estate & finance from the University of Cincinnati, a master’s degree with a graduate certificate in investment management from the University of Cincinnati and an executive certificate in financial planning from Bryant University.

Personal Interests

David is a board member and chair of the governance committee for Santa Maria Community Services. He has previously served as a member of the Wyoming, Ohio, Historical Preservation Council and was involved with the Habitat Young Professionals of Greater Cincinnati.

Designations and Licenses

Todd is a Certified Public Accountant.

Experience and Education

Todd has more than 17 years of experience in tax and accounting. As director of tax, he assists clients with tax preparation and filings, tax planning and consulting, as well as a variety of accounting functions.

Prior to joining Mariner, he operated his own tax and accounting practice in Cincinnati, Ohio. Prior to that, he was a senior tax manager with Keith & Associates, PLLC.

He has a bachelor’s degree in business administration from The College of Charleston in South Carolina and an MBA with an accounting concentration from Xavier University’s Williams College of Business.

Designations and Licenses

Kyle holds the Chartered Financial Analyst® designation.

Experience and Education

Kyle is a portfolio manager working with the director of equity research and implementing investment strategies. He has more than nine years of experience in the financial services industry, including particular experience in equity valuation and fundamental analysis.

Prior to joining Mariner, Kyle was a senior analyst at Western & Southern Financial Group where he worked in corporate finance. He was responsible for providing valuation analysis of merger and acquisition candidates and supporting the firm’s Securities Lending and Funding Agreement programs. In addition, he worked on real estate financings, asset-liability management and conducted counterparty risk assessments.

Kyle earned a Bachelor of Business Administration degree with a concentration in finance from Morehead State University and an MBA from the University of Cincinnati. Kyle is a member of the CFA Institute and CFA Society of Cincinnati.

Personal Interests

He is also a member of the Finance Department Advisory Board of Cincinnati’s Linder College of Business and the UC Student Fund Investment Committee.

P&G Retirement Plan Offers Many Investment Options

Within the P&G Retirement Plan, there are many different options for where to allocate your investments. Once you turn 50, you have access to these options within your PST, and you always have access to these options if you are saving in your 401(k) Savings Plan. Listed below is a summary of the options available to you.

The first set of options that are available within the PST and Savings Plan are on the conservative side, and include money market funds and bond funds. These will move independently of the equity markets and are intended to act as a buffer to market volatility and help to provide buoyancy to your portfolio in times of market turmoil:

Cash & Fixed Income Investment Options:

• Money Market Fund: This is the most cash like investment option available in the PST and Savings Plan. The fund will pay interest and not fluctuate in value. The money market fund invests in mostly debt, typically in commercial papers and repurchase agreements.
• There are two bond funds that are available within the plan, with one being a Short-Term Bond Fund and the other being an Intermediate-Term Bond Fund. Both of these funds focus on fixed income, with the difference between the two being the duration on the securities within each fund. In the short-term fund, the bonds owned within the fund will have a focus on shorter duration, which can be useful when interest rates are low and rising. Inversely, the intermediate-term fund will have durations that stretch out longer. This will typically result in a higher yield than its short-term counterparts, but could be an inadvisable asset in times of rising interest rates.
• Lastly, there is an option within the plan that can give you exposure to commodities and real estate.

For those willing to tolerate the higher risk and volatility that comes from investing in the equity markets, there are funds within the PST and Savings Plan that allow you to invest in the equity space:

Equity Options:

• Large Cap Equity Index Fund: The Large Cap Equity Index Fund invests in domestics securities and is designed to track the investment return of the broad U.S. large cap equity space.
• International Equity Index Fund: The International Equity Index Fund invests in international companies.
• Small Cap Equity Index Fund: The Small Cap Equity Index Fund primarily invests in the U.S. markets. The fund differs from the Large Cap Equity Index Fund in that it targets its investments to companies that typically have a market capitalization of $3 billion or less. Companies within this fund are traditionally less susceptible to negative responses from international headwinds than larger companies with more international business.
• If you are hoping to have a global allocation, which includes exposure to both domestic and international equity markets, you can simply blend the funds to get your desired exposures.
  
• Procter & Gamble Common Stock: You have the option of investing in P&G stock in both the PST and Savings Plan.
• Procter & Gamble Preferred Stock: A portion of your annual PST contributions are made in preferred stock. This stock can be an asset when considering methods of distribution from the PST and Savings Plan
• J.M. Smucker’s Stock: J.M. Smucker’s stock is also available within the plans due to the former Folger’s merger with J.M. Smucker.

The last of the options available within the PST and Savings Plan are the pre-mixed investment options. These funds consist of a mixture of the funds listed above and have various equity targets placed on them, ranging from conservative to aggressive.

Typically when P&G employees turn 50, they are eager to begin diversifying away from their P&G concentration within their PST. With so many investment options to choose from, that process can be challenging. If you are in such a situation, please to reach out to your team at Mariner.

Disclosures

¹Think Advisor, “Brigitte Madrian’s Power of Suggestion — and How It Improved Retirement” article originally published in “Research Magazine”

² http://psychology.iresearchnet.com/social-psychology/decision-making/loss-aversion/

Mariner Wealth Advisors is not affiliated with Procter & Gamble. Any reference to them should not be construed as an endorsement by either party.

The views expressed are for commentary purposes only and do not take into account any individual personal, financial, or tax considerations. It is not intended to be personal legal or investment advice or a solicitation to buy or sell any security or engage in a particular investment strategy.

Investing in securities involves risk of loss, including loss of principal. Past performance is not indicative of future results.

Mariner Wealth Advisors (“MWA”), is an SEC registered investment adviser with its principal place of business in the State of Kansas. Registration of an investment adviser does not imply a certain level of skill or training. MWA is in compliance with the current notice filing requirements imposed upon registered investment advisers by those states in which MWA maintains clients. MWA may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Any subsequent, direct communication by MWA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For additional information about MWA, including fees and services, please contact MWA or refer to the Investment Adviser Public Disclosure website. Please read the disclosure statement carefully before you invest or send money.

Subscribe to the P&G Scope E-Newsletter

Stay up-to-date on the latest P&G retirement information.

Designations and Licenses

Brad is a CERTIFIED FINANCIAL PLANNER™ professional.

Experience and Education

Brad provides financial planning and investment management to individuals, foundations and endowments. Brad leads our P&G advisor team and has specialized experience in Procter & Gamble employee benefits.

Following in the footsteps of three generations, Brad began his career at P&G. While there, he spent time around the world serving in roles in process design, package development and project management. His passion for investing and desire to work closely with individuals on their financial goals brought him to Mariner Wealth Advisors.

Brad has bachelor’s and master’s degrees in mechanical engineering, graduating magna cum laude from the University of Tennessee.

Personal Interests

Brad enjoys golf, cycling, running, snow skiing and water skiing.

Designations and Licenses

Patrick is a CERTIFIED FINANCIAL PLANNER™ professional.

Experience and Education

With more than 15 years of investment and wealth planning experience, Patrick delivers broad-based wealth management services for high-net-worth individuals and families. He has experience working with the Procter & Gamble community and other Fortune 500 company executives and employees, where his knowledge of retirement plan distribution strategies, portfolio construction and stock option planning creates a tailored experience for his clients.

Prior to joining Mariner, he was a vice president and private banker with J.P. Morgan’s Private Bank high-net-worth office in Cincinnati serving on the executive wealth team. In this position, he worked alongside J.P. Morgan’s Retirement Plan Services Group. Patrick developed an understanding of various profit sharing plan distribution strategies, stock option awards, restricted stock grants and appropriate planning techniques to help minimize taxes and reduce concentration risk. Previously, he was a vice president and banker at J.P. Morgan Chase’s Private Client Group in Chicago where he was responsible for investment relationships, customizing asset allocations, and he worked comprehensively, advising clients on investments and retirement, estate and tax planning.

He has a bachelor’s degree in business administration from The University of Florida.

Accolades

Patrick was named to the Forbes’ Best-In-State Wealth Advisors list, ranking #49 in Ohio – Cincinnati in 2024, #137 in 2023 and #113 in 2022.

Personal Interests

In his spare time, Patrick enjoys road biking, mountain biking, boating, waterskiing and watching his three kids’ sporting events.

Best-In-State: Advisors are selected for the Forbes rankings by SHOOK Research. Rankings for 2022-2024 were published in April of 2022-2024 and were based on June 30^th data, including 1- and 5-year periods. The ranking is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors with a minimum of seven years of experience and weighing factors like revenue trends, assets under management, compliance records, industry experience, and best practices learned through telephone and in-person interviews. 

Portfolio performance is not a criterion due to varying client objectives and a lack of audited data. The rankings are not indicative of future performance, and there is no guarantee of future success. For additional information, visit www.forbes.com.

Designations and Licenses

Keith is a CERTIFIED FINANCIAL PLANNER™ professional.

Experience and Education

Keith focuses on the client experience and developing associate talent at several of our locations. He is responsible for strategy and operational execution in these locations, as well as identifying and opening new offices. He also specializes in helping corporate executives and business owners navigate the various complexities that impact their families and long-term financial goals.

Prior to joining Mariner, Keith spent six years as a lead financial advisor at Capstone Financial Advisors. In that role, he advised clients through the financial planning process, including tax planning, wealth transfer strategies, small-business planning and investment management. While at Capstone, he became a partner and served on the firm’s management committee, where he helped direct strategy related to growth initiatives and new client acquisitions. Before serving as a lead financial advisor, Keith was a financial analyst at Capstone. He also completed a two-year internship as a financial analyst in the Public Finance Department at Robert W. Baird & Co.

Keith has a bachelor’s degree in accounting and finance from North Central College.

Accolades

In 2021, Keith was named to Forbes’ Best-In-State Wealth Advisors list, ranking #39 in Illinois. In addition, Keith was ranked #15 on the Forbes 2020 Top Next-Gen Wealth Advisors list.