David Baum is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and bringing 35 years of industry experience. His career includes roles at Cambridge Investment Research Advisors since 2009, as well as prior experience at Cetera Advisors LLC and Vestax Securities Corporation. He serves as a board member for the Foundation Board for the Area Office on Aging in Toledo, Ohio. Cambridge Investment Research Advisors serves a diverse client base, including individual investors and institutional clients such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals.

Donald Roork is a financial advisor at OSAIC with 53 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. He previously worked at FSC Securities Corporation for 43 years and Asset Dynamics, Inc. for 30 years. Outside of his advisory work, Roork serves on the finance committee and as Vice Chair of the Deacon Board at Calvary Assembly of God, and he is involved in various nonprofit and faith-based initiatives including biblical counseling and Christian financial education through writing and speaking. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services across multiple programs such as financial planning, managed portfolios, retirement plan consulting, and third-party money management. The firm emphasizes model-based asset allocation and portfolio optimization through a multi-advisor platform supported by risk assessment tools and a broad range of investment options.

Amanda Wilkinson is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. She previously worked in the Controller's Office at The University of Toledo and managed a boutique and gallery. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Brian Mccabe is a financial advisor with OSAIC, holding a Series 66 designation and six years of industry experience. Prior to joining Royal Alliance Associates in 2020, he worked at Worthington Industries for 21 years. Outside of his advisory role, he is co-owner of McCabe Outdoor Power LLC and serves as an auditor for Cub Scout Pack Number 325. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach that includes portfolio optimization and various managed account strategies.

Mitchel Skotynsky is a Series 66-licensed financial advisor with seven years of industry experience, currently affiliated with Raymond James Financial in Perrysburg, OH. His work history includes multiple roles within Raymond James Financial Services and his own firm, Skotynsky Financial Group, LLC, where he also serves as an associate employee. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services supported by advanced analytical tools and maintains unique affiliations in municipal and public finance.

Jennifer Lindsay is a financial advisor at Osaic Wealth with 15 years of industry experience. She holds the Series 63 designation and previously worked at Next Financial Group, Inc. for nine years. Outside of her advisory role, she is a silent partner in a pickleball facility through a business investment. Osaic Wealth serves a diverse client base, including retail investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services supported by a model-based investment process and a broad multi-advisor platform.

Lily Phommalee is a financial advisor at Osaic with two years of industry experience. She holds a Series 66 designation and previously worked at Savage and Associates, where she also serves as an insurance agent. Phommalee is the vice president of BNI Northwest Ohio, overseeing the membership committee. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of client investment strategies.

Kelly Arman is a financial advisor at OSAIC with nine years of industry experience. She holds a Series 66 designation and has worked at Royal Alliance and James Monagan/Jeffrey Turner. Outside of her advisory role, she serves as Vice President of the World Affairs Council of Northwest Ohio, a nonprofit organization. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, portfolio management, and retirement consulting. The firm employs a model-based investment approach emphasizing asset allocation and portfolio optimization supported by various analytical tools and maintains multiple custodial and program arrangements to meet client needs.

Monica Malhoit is a financial advisor at Morgan Stanley with 46 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019, following an 11-year tenure at UBS Financial Services. Outside of her advisory role, she is a co-owner of a residential rental property in Perrysburg, Ohio. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process relies on structured discovery conversations and firm-approved tools, serving clients through a range of retail and institutional offerings.

Theresa Dutridge is a financial advisor with LPL Financial, holding a Series 66 license and seven years of industry experience. Her prior roles include positions at OSAIC Wealth, Royal Alliance Associates, Fifth Third Securities, Fifth Third Bank, and Edward Jones. She is also a State of Ohio Notary Public and serves as a supervision and compliance officer for Savage and Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive operational tools and a broad network of investment adviser representatives.

Brenda Kennedy is a Series 66 licensed financial advisor with 12 years of industry experience. She is currently with OSAIC and has previously worked at Asset Dynamics and FSC Securities Corporation. Outside of finance, she assists with bookkeeping and payroll duties at an industrial repair and manufacturing business. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a range of advisory and brokerage services through a multi-advisor platform. The firm employs a model-based investment approach emphasizing asset allocation and portfolio optimization, supported by risk assessments and rebalancing tools.

Luis Ramirez is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Savage & Associates since 1996. Ramirez also serves as an education and training coordinator, assisting new advisors in personal planning and development. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, supporting a range of strategies and third-party manager selections.

Richard Bechtel III is a financial advisor with Cetera and holds Series 63 and Series 65 designations, with 41 years of industry experience. He has worked at Cetera since 2021 and previously at VOYA Financial Advisors for seven years. Bechtel is the owner and president of Bechtel Financial Services, a financial services and insurance business. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Zebradee Jackson is a financial advisor with Raymond James Financial in Perrysburg, OH, holding Series 63 and Series 65 licenses and 27 years of industry experience. His career includes roles at Osaic FA, Inc. and Citizens Securities, Inc. He is also involved as an associate with FM Investments, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, corporations, and institutional entities. The firm employs analytical tools for tailored non-discretionary planning and supports advisory programs with a focus on technology and municipal advisory services.

Liam Rabe is a Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this, he worked as a Workplace Planning Consultant at Fidelity Investments from 2022 to 2026, and as a Financial Associate at the same firm from 2020 to 2022. In his current position, Liam focuses on collaborating with individuals and families to develop financial plans aligned with their lifestyle values and goals. Liam's experience spans various facets of financial consulting within Fidelity Investments, where he has progressed through roles that emphasize workplace planning and financial association. His approach centers on understanding clients' unique situations to build confidence in their financial objectives. He encourages clients to engage in personalized planning to address their specific needs.

Derek Cipiti is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and bringing 21 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2005. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering goal-based analyses and planning on topics such as retirement, income tax, estate, and special needs, without managing portfolios or providing institutional advisory services.

Joshua Zachman is a Series 66 licensed financial advisor with 10 years of industry experience, currently practicing at Edward Jones in Bowling Green, OH since 2016. He serves on the finance committee at Mainstreet Church in Walbridge, OH, providing financial guidance without decision-making authority. Edward Jones is a full-service wealth management firm with over 23,700 financial advisors, serving more than four million individual and institutional clients. The firm offers a range of advisory programs and managed solutions, operating under a fiduciary standard and supporting approximately $1.01 trillion in assets under management.

Connor Judy is a financial advisor with OSAIC, holding a Series 66 designation and three years of industry experience. He has worked at OSAIC and Savage and Associates since 2023 and previously operated Lisa Judy LLC. Judy serves as the Life Insurance Chair for BNI Northwest Ohio, where he discusses life insurance products and case scenarios. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services with a model-based investment process that includes asset allocation, portfolio optimization, and access to third-party money managers and alternative investments.

Daniel Wott is a Series 66 licensed financial advisor with Edward Jones in Perrysburg, OH, where he has worked since 2008. He has 18 years of industry experience. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Carleton Hollister is a financial advisor at Osaic with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Osaic since 2023, previously spending ten years with Royal Alliance and over four decades with Century Marketing Group. Hollister is also the author of a book on goal setting and provides basic financial advice through his own firm, Hollister Financial. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and multiple investment programs delivered through a complex network of affiliated broker-dealer and RIA entities.