Peter Joseph Rafaniello

Adam Bray is a CFP® professional with 15 years of industry experience. He has worked at YSB Wealth Management since 2026 and previously spent 11 years with Bishoff Financial Group. Bray also held roles involving investment advisory and insurance agency leadership within the Bishoff organization. YSB Wealth Management is a fee-only registered investment adviser serving individuals, high-net-worth clients, and corporations. The firm employs a personalized, asset-allocation driven approach and offers ongoing portfolio management, financial planning, and annuity allocation advice.

Sarah Yount is a Chartered Financial Consultant (ChFC®) with over 15 years of experience in the financial services industry. She has worked at Roble Belko & Company for 10 years, followed by four years at Bishoff Financial Group, and currently practices at YSB Wealth Management. YSB Wealth Management, LLC is a fee-only registered investment adviser serving individuals, high-net-worth clients, and corporations. The firm employs a personalized, asset-allocation driven approach using a mix of passive and active investment vehicles, offering ongoing portfolio management, financial planning, and annuity allocation advice.

Cody Schnipke is a CFP® professional with eight years of industry experience, currently with YSB Wealth Management. He previously worked at The Bishoff Financial Group and Cambridge Investment Research Advisors. Schnipke also provides tax preparation services through Bishoff Tax Advisors. YSB Wealth Management is a fee-only registered investment adviser offering wealth management and financial planning services to individuals, high-net-worth clients, and corporations. The firm employs a personalized, asset-allocation driven approach utilizing both passive and active investment vehicles tailored to client goals and risk tolerance.

Bernard Nienberg is a financial advisor at Royal Fund Management, LLC with 42 years of industry experience. He holds the ChFC® designation and a Series 63 license. In addition to his advisory role, he owns and operates a retail insurance agency specializing in life, accident, and health insurance products. Royal Fund Management serves individual investors, corporations, and retirement plans by providing portfolio management, financial planning, and pension consulting. The firm uses a range of investment strategies tailored to client risk profiles and manages approximately $1.55 billion in assets through 83 advisors.

James Smith is a financial advisor with Capital Analysts in Ft Jennings, OH, holding a Series 63 designation and bringing 26 years of industry experience. He has worked at Lincoln Investment since 2012 and has been with Capital Analysts Incorporated since 2000. Outside of his advisory role, Smith serves as the mayor of the Village of Fort Jennings and is president of Commercial Tax Records, Inc., a tax preparation and bookkeeping business. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm provides portfolio management through both discretionary and non-discretionary strategies, leveraging an in-house investment management and research team along with third-party managers, and maintains institutional relationships that support its product offerings.

Mindy Vance is a Series 66-licensed financial advisor with 19 years of industry experience. She has worked at The Huntington Investment Company since 2007, including its advisory division, Huntington Financial Advisors. The Huntington Investment Company serves individuals, charitable organizations, corporations, and other business entities with advisory and brokerage services through multiple wrap-fee programs and an open-architecture investment model that integrates third-party and affiliate strategies.