Douglas Shaffer is a financial advisor with Stirlingshire Investments in Toledo, OH, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Valic Financial Advisors, Directions Credit Union, and Ameriprise Financial Services. Outside of his advisory work, he is involved in variable annuities sales with RetireOne and Highland Capital. Stirlingshire RIA LLC provides discretionary portfolio management to individuals, trusts, and other entities, serving both non‑high-net-worth and high-net-worth clients. The firm employs a multi-method investment approach, including quantitative, fundamental, technical, and modern portfolio theory, and offers a range of investment options through its Advyzon marketplace.

Steven Cochran Jr. is a financial professional at OSAIC with 16 years of industry experience. He holds a Series 7 and Series 66 designation and has been with Savage and Associates since 2010. Outside of his financial career, Cochran serves as a head coach and instructor for a youth hockey team, providing coaching and skating lessons. OSAIC is a large SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base, including individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and employs a technology-driven investment process that incorporates risk tolerance assessments, asset allocation software, and portfolio optimization tools.

Chad Clay is the sole advisor at Glass City Capital Management, LLC in Maumee, OH, holding a Series 65 credential with seven years of industry experience. Before founding his firm in 2018, he worked as an investor and previously served for eleven years with the City of Springfield, Illinois Fire Department. His background includes experience as a firefighter and EMT. Glass City Capital Management is an independent, fee-only firm providing discretionary investment management focused on long-term capital appreciation for individuals and various entities. The firm emphasizes a concentrated, actively managed equity strategy built around a core “best ideas” approach, typically holding five to forty individual securities with a preference for large-cap companies.

Andreas Juarez is a financial advisor at Juarez, Andreas with one year of industry experience. He holds a Series 65 designation and has prior work history including roles at JDA TSG, Amazon LLC, Stellantis, Ohio State University, and Lowe's. Outside of advising, he owns and operates a tax preparation business serving individual clients. His firm, Midwest Guidance LLC, is a state-registered investment adviser that serves individual and high-net-worth clients with a value-oriented investment approach. The firm manages accounts on a discretionary basis and emphasizes fundamental analysis while maintaining conflict controls and client-focused policies.

Kelsey Burke is a financial advisor at Apricity Financial Planning with 11 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for nine years. In addition to advising clients, she is involved in podcasting and movement/mindfulness instruction. Apricity Financial Planning is a fee-only independent adviser serving individuals, high-net-worth clients, and small businesses with financial planning and discretionary investment management. The firm emphasizes asset allocation and Modern Portfolio Theory, typically implementing portfolios with a passive approach using mutual funds and ETFs, and provides educational seminars and workshops.

Scott Osborn is a financial advisor at Patriot Wealth Planners LLC with seven years of industry experience. He holds a Series 65 designation and has worked in business consulting through Scott Osborn Consulting, LLC since 2020. Outside of finance, he is a manager at Whirlpool Corporation and serves as a commander in the Ohio Army National Guard, where he oversees training programs for enlisted soldiers. Patriot Wealth Planners provides financial planning and consulting services focused on third-party manager referrals for individuals, high net worth clients, trusts, and estates. The firm does not manage assets directly but helps clients select and work with third-party managers while delivering comprehensive financial plans and periodic reviews.

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.

David Macino is the sole advisor at Macino Financial, LLC in Holland, Ohio, holding Series 63 and Series 65 designations with 15 years of industry experience. He founded Macino Financial Services and has worked there since 2013, including a period at Virtue Capital Management from 2015 to 2018. Macino also manages an independent insurance business specializing in life, health, and fixed annuities. Macino Financial provides individualized investment management and financial planning for individual clients, offering written financial plans, hourly consulting, and discretionary portfolio management. The firm emphasizes asset allocation, tailored investment policy statements, and quarterly reviews, using both direct portfolio implementation and recommended third-party managers via the Betterment for Advisors platform.

Derick Gant is the sole advisor at Gant Investment Advisors, Inc., an independent firm based in Toledo, OH. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. Since founding his firm in 2009, he has also engaged in budget planning and debt reduction consulting, as well as the sale of insurance and annuity products through affiliated businesses. Gant Investment Advisors provides portfolio management and advisory services to individual clients, managing approximately $1.8 million across around 40 accounts. The firm employs a long-term, buy-and-hold strategy focused on low-cost index funds and short-duration fixed income, with portfolios rebalanced annually and managed primarily on a discretionary basis.

Randall Johnson is a financial advisor at Candela Financial in Toledo, OH, holding a Series 65 license with one year of industry experience. Prior to his current role, he has worked in tutoring and education, including positions at Ottawa Hills Local Schools and his own tutoring business, Randall Johnson Tutoring, where he provides chemistry and math instruction to K-12 students. He also owns and operates a tax planning and preparation service for individuals and small businesses. Candela Financial offers wealth management services to individuals, high-net-worth clients, and residency programs, combining ongoing investment management with comprehensive financial planning. The firm employs an asset allocation strategy based on Modern Portfolio Theory and uses both passive and active funds, typically managing client portfolios on a discretionary basis with quarterly reviews.

Brian Hughes is a CFP® professional with 14 years of experience in financial advising. He founded Hughes Financial Group, LLC in 2013 and has led the firm since its inception. Hughes Financial Group, LLC is an independent, fee-only firm providing personalized financial planning and investment management to individuals, trusts, estates, pension and profit-sharing plans, and business clients. The firm employs active asset management using proprietary strategies and a mix of mutual funds, ETFs, and other instruments, managing approximately $22.8 million for around 42 clients as of December 31, 2025.

Colleen Oberhaus is a financial advisor with Gould Ruma Financial Advisors in Toledo, Ohio, holding a Series 66 credential and 13 years of industry experience. She previously worked at The Huntington Investment Co. before joining Gould Ruma Financial Advisors and LPL Financial in 2017. Oberhaus also provides administrative support and tax preparation services as part of her other business activities. Gould Ruma Financial Advisors offers individualized financial planning, portfolio management, pension consulting, and referrals for individuals, retirement plans, trusts, estates, charitable organizations, and businesses. The firm employs both fundamental and technical analysis to create customized asset allocation strategies and may delegate management to sub-advisers.

Charlotte Sargeant is a CFP® professional with 22 years of industry experience, currently serving as the sole advisor at Heritage Financial Advisors, LLC since 2010. She is also the managing member of North Coast Financial Advisors, Ltd., which owns a significant portion of her firm, and of Swiss Co., Ltd., a commercial real estate entity. Additionally, she holds a license as an insurance agent for fixed insurance products. Heritage Financial Advisors provides fee-only financial planning, investment consultation, and management services to individuals, trusts, estates, charitable organizations, foundations, and businesses. The firm emphasizes cost-efficient index mutual funds and ETFs within portfolios constructed using Modern Portfolio Theory and fundamental analysis, serving a broad client base that includes numerous charitable and institutional clients.

David Hoobler is a financial advisor at The Bottom Line Wealth Management Ltd. with seven years of industry experience. He holds a Series 65 designation and has previously worked at Sunrift Capital Partners LLC. Hoobler is also involved as a licensed insurance agent with Capaverill II & Associates and Retirement Income Consultants. The Bottom Line Wealth Management Ltd. provides discretionary portfolio management and financial planning services primarily for individual clients. The firm employs model-based investment strategies, integrates emerging technologies in its operations, and maintains a material affiliation with insurance businesses.

Sasha Wright is a CFP® professional with 20 years of industry experience, currently serving as the sole advisor at Heritage Financial Advisors, LLC in Waterville, Ohio. She has been with Heritage Financial Advisors since 2010. Outside of her advisory role, she manages two investment-related firms that hold ownership stakes in Heritage Financial Advisors and also works as an insurance agent offering fixed insurance products. Heritage Financial Advisors is an independent, fee-only firm providing financial planning, investment consultation, and management services to individuals, trusts, estates, charitable organizations, foundations, and businesses. The firm employs Modern Portfolio Theory and fundamental analysis to construct cost-efficient portfolios, serving a broad client base including charitable foundations and institutional clients.

Peter Ruma Jr. is a ChFC® credentialed financial advisor with 39 years of industry experience. He has been with Gould Ruma Financial Advisors since 2009 and previously worked at LINSCO/Private Ledger, Corp. and Mony Securities Corporation. In addition to financial advising, he is involved in fixed life and group insurance sales and prepares tax returns. Gould Ruma Financial Advisors is a registered investment adviser offering individualized financial planning, portfolio management, and pension consulting for individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs both fundamental and technical analysis to develop customized asset allocations and coordinates with tax and estate advisers as appropriate.

Alan Lancz is the sole advisor at Alan B. Lancz & Associates, Inc., holding a Series 63 license with 45 years of industry experience. He has been with his current firm since 1985 and previously worked at International Assets Advisory, LLC and Crescent Securities Group, Inc. Lancz also serves as Director of Research for Lancz Global LLC, a subscription-based independent research firm, and provides strategic leadership for national track and trace companies. Alan B. Lancz & Associates, Inc. is an SEC-registered investment adviser managing discretionary portfolios for individuals, family offices, retirement plans, foundations, and pooled investment vehicles, with approximately $175 million in assets under management. The firm employs fundamental analysis and tailored portfolio construction, offering a broad range of investment tools and specialized services including ethical and faith-based guidelines. It is notable for managing private energy-sector partnerships and affiliated businesses such as private real estate LLCs, proprietary research, and an early-stage AI platform.

Steven Wise is a Series 65 licensed advisor with 12 years of industry experience. He is currently with Beacon Associates Wealth Management, LLC, where he has worked since 2022. Prior to this, he held roles at Simplicity Wealth and Virtue Capital Management, and he serves as Chapter Director and Financial Educator for the American Financial Education Alliance, focusing on Social Security and retirement planning workshops. Beacon Associates Wealth Management provides investment advisory and financial planning services to individual and high-net-worth clients, as well as trusts and estates. The firm primarily delivers discretionary asset management through third-party managers, selecting and monitoring models based on client objectives while offering project-based and hourly planning engagements.

Anthony Ruiz is a CFP® with 12 years of industry experience, currently serving as the sole advisor at Ruiz Financial Group, LLC. His prior experience includes roles at LPL Financial LLC, Edward Jones, and Huntington National Bank. Ruiz also holds Series 63 and Series 65 licenses and is based in Toledo, Ohio. Ruiz Financial Group is a state-registered, fee-only investment adviser that offers financial planning and portfolio management to individuals, families, trusts, small businesses, and retirement plan sponsors. The firm provides discretionary portfolio management, retirement plan consulting with both 3(21) and 3(38) fiduciary options, and multiple fee arrangements, emphasizing a formal process for selecting and overseeing sub-advisers.