John is a registered representative of LPL Financial where he is recognized as a leader in retirement plan consulting through his position in the firm's Retirement Partners Group. John is also a member of the LPL Advisor Council. John entered the retirement planning business in 1984 as a consultant with a major insurance company. His expertise in retirement plan design, plan operations, investment monitoring, and employee education is the foundation for the customized strategies that LHD Retirement has become known for.

John graduated from Iowa State University where he earned his Bachelor of Science degree in agriculture business finance. He is a Chartered Financial Consultant (ChFC^®), Chartered Retirement Plan Specialist (CRPS^®) designee, an Accredited Investment Fiduciary (AIF^®), a member of the Global Leadership Council, and has earned the CEFEX** certification from the Centre for Fiduciary Excellence.

John and his wife Laura have three children: Joe, Amanda, and Sydney. John is active in his community as well his children's schools, including Brebeuf Jesuit Preparatory School.

*Retirement Partners Group is a network of advisors associated with LPL

** CEFEX certification for advisory services provided through the LPL Financial Retirement Plan Consulting Program. LHD Retirement and LPL Financial are not affiliated with CEFEX.

Willis Ashby is a financial planner as well as the Founder and President of Integra Financial. He is responsible for the firm's ongoing operation and strategic direction. Willis started the company in 1990 to provide investment advice and services that match his clients' current situations and to help them achieve long-term financial security for themselves and their families. He is particularly proud of being a fiduciary advisor, putting his clients' needs ahead of his own. He is also a long-term member of the National Association. Willis started his career in 1977 and received his CFP in 1989. He started Integra Financial with a quote from Mark Twain as the motto for his business.

"Always do right. This will gratify some people and astonish the rest." - Mark Twain

Willis has been featured in Forbes Magazine, 5280 Magazine, and Colorado Biz Magazine. The Five Star Professional Consumer Research Organization has awarded him Five Star Wealth Manager status for Denver every year since 2011.

Gavin specializes in assisting individuals and financial advisers to increase and diversify their overall revenue stream and attract and retain more clients.

Gavin is a retirement plan specialist and is committed to assisting investors and advisors in growing their revenue and assets through the arrangement, sale and retention of retirement plan assets. As a former advisor, Gavin understands the issues facing today's financial advisor and thus is uniquely positioned to help advisors acquire and retain more business. Before moving to Indiana, Gavin was responsible for supporting advisors in the Bay Area and Northern California. He has personally sold close to 40 plans as an advisor and assisted advisors in selling hundreds of plans over his career. Gavin is passionate about building strong partnerships and ultimately life-long friendships.

Practice Management Services:

• Timely prospecting ideas and implementation strategies
• Step-by-step help throughout the retirement sales process
• Practice management insights of elite plan producers
• Commitment to initial sales and retention of retirement plans
• Extensive competitive knowledge to help advisors position themselves to win and retain more clients

Gavin earned his Bachelor of Science degree in finance from the top ranked Kelly School of Business at Indiana University. He holds FINRA 7 and 66 licenses, as well as life and health insurance licenses in the state of California and Indiana.

Scott started his career as a financial advisor in 1997 with Prudential Securities. In 2001 he teamed with Jeffry Lockwood to form the Lockwood & Kennedy Group. Scott, along with Jeff, moved the team to Merrill Lynch in 2009. Scott has since merged his practice with Scott Horrall and Marc Pyatt to form the Horrall Kennedy & Pyatt Group at Merrill Lynch.

Scott helps implement the goals based wealth management strategies that are outlined for each family he works with. These strategies range from retirement income planning, inter-generational wealth transfer and wealth creation and preservation. Scott helps families maintain their lifestyles through varied economic environments and life transitions.

Scott graduated with a B.A. from Indiana University and holds a Chartered Retirement Planning Counselor^SM designation in addition to the Certified Plan Fiduciary Advisor. He lives in Carmel, Indiana with his wife, Jenny and two children, Ryan and Lauren. He enjoys watching his kids play sports and is an avid Indiana University sports fan.

Neither Merrill Lynch or its Financial Advisors provide tax, accounting or legal advice. Clients should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with their personal professional advisors.

CRPC^SM and Chartered Retirement Planning Counselor^SM are registered service marks of the College of Financial Planning. CPFA and Certified Plan Fiduciary Advisor are credentialed designation of the National Association of Plan Advisors.

Richard A. Rocap is a principal of Rocap Law Firm LLC, and has been with Rocap Law Firm LLC since 1980. Rocap Law Firm LLC is a family practice founded by James E. Rocap, Sr. 116 years ago, providing a full range of litigation services to individuals and businesses. Throughout his 39+ years at Rocap Law, Richard has helped clients from a variety of backgrounds mitigate nearly every type of challenge. Richard has vast and valuable experience with litigation in business, personal injury and other disputes, having tried more than 50 lawsuits, "from cradle to grave," to achieve the best possible client outcomes. Richard has additionally consulted on the legal aspects of the sale and purchase of over 15 small and medium sized businesses. Richard's other primary areas of practice include small to medium estate planning, professional license defense, probate law and succession planning.

Richard received his Juris Doctor from Indiana University Robert H. McKinney School of Law, following graduation from the University of Notre Dame. Richard is also a proud alumnus of Brebeuf Jesuit Preparatory School. He has been a volunteer with Boys Scouts of America since earning the rank of Eagle Scout in 1969, serving as an assistant scoutmaster, committee chairperson, Scoutmaster and Troop Committee Chairman of Troop 174 at Immaculate Heart of Mary parish from 1985 to 2011. Richard was also a member of the Board of Directors of the Notre Dame Club of Indianapolis, serving as Club President in his final year. Richard received the Member of Year award from the Notre Dame Club of Indianapolis in 2016, recognizing his contributions to his Church, his family, his community and the Club.