Geoffrey Kujawa is a financial advisor at Thunderbird Financial Coaching with 10 years of industry experience. He holds a Series 65 designation and has worked since 2011 as a buyer for a grocery store chain, LM Acquisition, Inc. Thunderbird Financial Coaching provides fee-based financial coaching, planning, portfolio analysis, and retirement-plan advice primarily for public servants, private-sector employees, business owners, and professionals. The firm employs a passive, asset-class diversification approach and combines investor education with various fee arrangements, using third-party managers for asset management.

Shanyn Stewart is a financial advisor with Advanced Financial Management, Inc. in Lambertville, MI, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Prior to her current role since 2020, she spent nine years at Cambridge Investment Research Advisors, Inc. and Cambridge Investment Research, Inc. Outside of advisory work, she is an ordained minister who speaks on biblical topics and is involved in several business ventures, including accounting and tax services, an apparel company, and retail operations. Advanced Financial Management, Inc. serves individual and high-net-worth clients as well as small businesses, offering financial planning, consulting, and portfolio management. The firm uses an asset-allocation framework and proprietary model portfolios managed through third-party sub-advisers, with frequent monitoring and rebalancing.

Randall Johnson is a financial advisor at Candela Financial with a Series 65 credential and one year of industry experience. He has worked in various tutoring roles focused on chemistry and math for K-12 students and owns a tutoring business. Additionally, he operates a tax planning and preparation business serving individuals and small businesses. MedPath Financial is a fee-only registered investment adviser serving individual clients, including high-net-worth individuals and residency programs. The firm follows a Modern Portfolio Theory-based investment approach, emphasizing strategic asset allocation and a combination of passive and active fund selections tailored to client goals and risk tolerance.

Colleen Oberhaus is a financial advisor with Gould Ruma Financial Advisors in Toledo, OH, holding a Series 66 designation and 12 years of industry experience. She previously worked at The Huntington Investment Co. and has been with Gould Ruma and affiliated with LPL Financial since 2017. Oberhaus also provides tax preparation and accounting services as part of her professional activities. Gould Ruma Financial Advisors specializes in financial and tax planning services without managing or custodian client assets. The firm focuses on written planning deliverables and operates on an hourly or fixed-fee basis, referring clients to LPL Financial for investment management when needed.

David Hoobler is a financial advisor with The Bottom Line Wealth Management Ltd. in Toledo, OH, holding a Series 65 credential and seven years of industry experience. He has worked at Sunrift Capital Partners LLC since 2019 and has been involved with Retirement Income Consultants and Capaverill II & Associates since 2001, where he serves as a vice president and insurance agent. The Bottom Line Wealth Management Ltd. provides discretionary portfolio management and financial planning primarily for individual clients, utilizing model portfolios and third-party money managers. The firm combines fundamental, technical, and cyclical analysis in its investment approach and integrates insurance products into client financial planning.

Robert Thompson is a financial advisor with Integrated Financial Resources, Inc. in Toledo, OH, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Integrated Financial Resources since 2000 and concurrently at Concorde Asset Management and Concorde Investment Services since 2012. Thompson also holds insurance licenses and provides life and long-term care insurance services to clients. Integrated Financial Resources, Inc. offers financial planning and discretionary account management primarily for individuals and various other client types, focusing on mutual funds and variable annuity sub-accounts. The firm employs a long-term buy-and-hold investment approach combined with fundamental, technical, and cyclical analysis, managing most accounts on a discretionary basis with regular client reporting.

Peter Ruma is a ChFC® credentialed financial advisor with 38 years of industry experience. He is a principal at Gould Ruma Financial Advisors in Toledo, OH, where he has worked since 2009. Prior to that, he was associated with LINSCO/Private Ledger, Corp. since 2005. His other business activities include selling fixed life insurance and group insurance products. Gould Ruma Financial Advisors provides financial, tax, and business planning services focused on budgets, estate, tax, insurance reviews, and goal-setting. The firm operates on an hourly or fixed-fee planning model without managing or custodian client assets, referring investment management to LPL Financial and emphasizing written planning deliverables over discretionary portfolio management.

Alan Lancz is a financial advisor with Alan B. Lancz & Associates, Inc. in Toledo, OH, holding a Series 63 designation and bringing 44 years of industry experience. He has worked at Crescent Securities Group, Inc. since 2019 and at International Assets Advisory, LLC from 2015 to 2018, alongside his longstanding role at Alan B. Lancz & Associates since 1985. In addition to his advisory work, he serves as Director of Research for Lancz Global LLC, a subscription-based independent research firm, and provides strategic leadership for two national track and trace companies. Alan B. Lancz & Associates, Inc. offers discretionary portfolio and wealth management, financial planning, retirement-plan consultation, and corporate consulting services. The firm serves high-net-worth individuals, corporate pension and profit-sharing plans, charitable institutions, family offices, and trust accounts, employing a fundamental, global investment approach with an emphasis on tax and risk management. It is notable for managing private pooled investment vehicles focused on energy drilling partnerships and maintaining affiliated entities for proprietary research and real estate management.

Gyeral Nice is a financial advisor at The Bottom Line Wealth Management Ltd. in Toledo, OH, with seven years of industry experience. He holds a Series 65 designation and has worked with several firms, including Retirement Income Consultants and Sunrift Capital Partners LLC. Outside of advisory roles, he is also active as a licensed insurance agent through Capaveril II & Associates and Retirement Income Consultants. The Bottom Line Wealth Management Ltd. provides discretionary portfolio management and financial planning services primarily for individual clients, utilizing model portfolios and third-party money managers. The firm incorporates insurance products into its financial strategies and offers educational seminars and ongoing client reviews.

Christine Krygielski is a financial advisor with Walen Financial Group, LLC in Toledo, Ohio, holding a Series 65 designation and nine years of industry experience. She has been with Walen Financial Group since 2015. Walen Financial Group serves individual investors, retirement plans, trusts, estates, charitable organizations, and businesses by providing financial coaching and securities-related advice alongside non-securities planning such as cash-flow and mortgage planning. The firm acts as a co-advisor, maintaining client relationships while a third-party adviser manages client assets using diversified, Modern Portfolio Theory-based strategies.

Thomas Halsey is a financial advisor with Integrated Financial Resources, Inc. in Toledo, Ohio. He holds a Series 63 designation and has 43 years of industry experience. His career includes roles at Concorde Asset Management and Concorde Investment Services since 2012, and he has been with Integrated Financial Resources since 2001. In addition to advising, he provides income tax preparation services during tax season. Integrated Financial Resources, Inc. offers financial planning and discretionary account management primarily for individuals, focusing on mutual funds and variable annuity sub-accounts. The firm manages approximately $11.3 million in assets across about 21 client accounts and employs a long-term buy-and-hold investment approach using fundamental, technical, and cyclical analysis.

Alex Ash is a financial advisor at Ash Matson Wealth Partners, Inc. with a Series 65 credential and three years of industry experience. He has worked at Matson Money from 2007 to 2022 and simultaneously operates Walen Financial Group, LLC. Ash Matson Wealth Partners provides investment advisory services to a range of clients including individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm focuses on individualized asset-allocation analysis and recommends third-party investment advisers without exercising discretionary trading authority or taking custody of client assets.

John Ross is a Certified Financial Planner® with over 40 years of experience in the financial services industry. He has been with Integrated Financial Resources, Inc. since 1985 and also holds roles at Concorde Asset Management and Concorde Investment Services. Outside of his advisory work, Ross is a member of the University of Toledo Varsity T-Club and the Fellowship of Christian Athletes, where he provides occasional financial assistance and preaching. Integrated Financial Resources, Inc. offers financial planning and discretionary account management primarily to individuals, pension and profit-sharing plans, trusts, estates, charities, and business entities. The firm emphasizes a long-term buy-and-hold investment approach using fundamental, technical, and cyclical analysis to manage mutual funds, annuities, ETFs, stocks, and bonds.

Jeffrey Lewis is a Series 65-licensed advisor at SJS Investment Services with two years of industry experience. Prior to joining SJS Investment Services, he worked for 14 years at Mother Cabrini Shrine. SJS Investment Services is a multi-team registered investment adviser managing approximately $2.5 billion across an 18-advisor team. The firm serves individuals, high-net-worth clients, business owners, retirement plans, non-profits, endowments, foundations, and public entities, focusing on discretionary portfolio management, financial planning, and retirement plan advisory services.

Shane Meyer is a financial advisor at KMG Fiduciary Partners, LLC with 25 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley for ten years before joining KMG Fiduciary Partners in 2020. KMG Fiduciary Partners serves individual clients, high net worth households, and institutional plan sponsors, offering financial planning, discretionary wealth management, and retirement plan consulting. The firm employs a long-term financial planning approach with strategic asset allocation and tactical overlays, managing approximately $1.6 billion in assets across a multi-office platform.

Jeffrey Condon is a financial advisor with Fairway Investment Group, LLC, holding a Series 66 designation and six years of industry experience. He has worked with Fairway Investment Group since 2021 and is also affiliated with Paradigm Equities, Inc. and MEA Financial Services. Outside of his advisory role, he serves as a track timer for Adrian Public Schools during the track season. Fairway Investment Group primarily serves individual clients connected to the Michigan Education Association, providing fee-based portfolio management and advisory services through LPL Financial-sponsored programs. The firm uses a tailored investment approach based on client objectives and combines fundamental, technical, and cyclical analysis without permitting discretionary trading by its advisors at the individual account level.

Robert Schaefer is a CFP® and Series 66-registered financial advisor with four years of industry experience. He is currently with SJS Investment Services, where he has worked since 2024. His prior experience includes roles at Symphony Financial Services, LPL Financial LLC, U.S. Bank, and Fifth Third Bank. SJS Investment Services is a multi-team registered investment adviser managing approximately $2.5 billion and serving a range of clients including individuals, high-net-worth clients, business owners, retirement plans, non-profits, endowments, foundations, and public entities. The firm emphasizes fiduciary standards, diversified model portfolios, and total-portfolio solutions with regular monitoring and reporting.

Ryan Clair is a financial advisor with The Retirement Guys Formula, holding a Series 65 license and eight years of industry experience. He has worked with Blackridge Asset Management LLC since 2017 and has been involved with The Retirement Guys entities since 2014. Outside of his advisory role, he is associated with Bull Moose Retirement, which involves insurance activities. The Retirement Guys Formula provides personalized investment management and financial planning services to individuals, trusts, foundations, endowments, and corporate clients. The firm uses its proprietary Independent Income System, a bucketed allocation approach, to manage client portfolios on a discretionary basis and offers coordinated tax preparation through an affiliated entity.

Matthew Latham is a financial advisor at Structured Wealth Management, Inc. in Toledo, OH, with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Structured Wealth Management since 2008. Outside of his advisory role, he serves as president of Moden Communications, Inc., a print brokerage business. Structured Wealth Management provides investment advisory and life insurance services primarily to individual households, trusts, and business entities. The firm offers individualized strategies using managed model portfolios and maintains an affiliated tax and accounting practice that supports its investment services.

Molly La Clair is a financial advisor at SJS Investment Services with four years of industry experience. She holds a Series 65 designation and has worked at SJS Investment Services and Danberry Company. Between her roles in financial services, she spent time as a stay-at-home mother. SJS Investment Services is a registered investment adviser managing approximately $2.5 billion with an 18-advisor team. The firm serves individuals, high-net-worth clients, business owners, retirement plans, non-profits, endowments, foundations, and public entities, offering discretionary portfolio management, financial planning, and retirement plan advisory services.