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.

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 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.

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.

Peter Ruma Jr. is a financial advisor with Gould Ruma Financial Advisors in Toledo, OH, holding the ChFC® designation and Series 63 and 66 licenses. He has 39 years of industry experience, including 17 years with Gould Ruma Financial Advisors and over two decades with LINSCO/Private Ledger, Corp. He is also involved in selling fixed life and group insurance products and prepares tax returns as part of his advisory activities. Gould Ruma Financial Advisors provides financial, tax, and business planning services focused on clients’ budgets, estate, tax, insurance reviews, and goal-setting. The firm operates on an hourly or fixed-fee basis and does not manage client assets directly, referring investment management to LPL Financial while favoring mutual funds and ETFs for implementation.

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.

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.

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.

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.

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.

Jeffrey Condon is a Series 66 licensed advisor with six years of industry experience, currently serving at Fairway Investment Group, LLC. His prior roles include positions at Paradigm Equities, Inc. and MEA Financial Services. Outside of his advisory work, he assists as a track timer for Adrian Public Schools during the track season. Fairway Investment Group primarily serves members of the Michigan Education Association and their families, as well as individual clients, trusts, estates, and select businesses. The firm offers fee-based investment advisory and portfolio management services through LPL Financial–sponsored programs, operating largely on a non-discretionary basis with tailored recommendations based on fundamental, technical, and cyclical analysis.

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.

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.

Lisa Denstorff is a financial advisor at SJS Investment Services with 12 years of industry experience. She holds a Series 65 designation and has been with SJS Investment Consulting, Inc. since 2012. 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, typically working with portfolios valued at $1 million or more. Their services include discretionary portfolio management, financial planning, retirement plan advisory, and sub-advisor oversight, with an emphasis on diversified model portfolios, total-portfolio solutions, and the use of portfolio and cash-flow projections.

Mark Clair is a financial advisor at The Retirement Guys Formula with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Blackridge Asset Management and PEAK Brokerage Services. In addition to his advisory role, Clair owns an estate planning law firm and is involved in insurance and retirement planning businesses. The Retirement Guys Formula provides personalized investment management and financial planning services to individuals, trusts, foundations, endowments, and corporate clients. The firm uses a proprietary Independent Income System that blends multiple asset-allocation strategies and manages approximately $300.6 million in discretionary assets through a ten-advisor team.

Andrew Schaetzke is a CFP® with 12 years of industry experience, currently serving as an advisor at SJS Investment Services. He has been with SJS Investment Services since 2014 and holds a Series 66 designation. SJS Investment Services serves individuals, families, high-net-worth clients, retirement plans, institutional investors, and public entities, providing discretionary investment management, financial planning, retirement-plan fiduciary services, and consulting. The firm’s investment process is guided by an internal committee that constructs diversified model portfolios, with specialized practices for public funds and the use of leverage in certain strategies.