Jeffrey Wherry is a CFP® and ChFC® professional with 29 years of industry experience. He currently works at MAI Capital Management, LLC and has held positions at Treloar & Heisel, LLC, WCG Wealth Advisors, LLC, and MML Investors Services. Wherry holds a Mass Mutual Career Agent Emeritus status related to fixed insurance sales but is no longer involved in new production. MAI Capital Management provides discretionary and non-discretionary investment management, integrated wealth management, retirement plan consulting, and family-office services to a diverse client base, including high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm offers a range of portfolio management strategies and serves both product-sponsor and advisory roles, managing mutual funds and private investment vehicles.

Daniel Memo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1998 and began his career with Smith Barney. Daniel focuses on serving high net worth individuals and business retirement planning. He holds FINRA Series 7, 66, 3, and 31 registrations. Daniel earned a Bachelor of Science degree in Business Administration from John Carroll University. He also holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His areas of expertise include college education planning, corporate benefits, equity compensation services, retirement income, and small business strategies. Daniel is active in the Poland community where he resides with his wife, Erin, and their four sons. He participates in organizations such as the Poland Community Baseball Association, Poland Flag Football, and St. Vincent De Paul. He has served as a board member of the Rich Center for Autism and is affiliated with Magic of Michael. Outside of work, Daniel enjoys baseball, basketball, football, golfing, swimming, table tennis, traveling, and spending time with his family.

Todd Westfall is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, following three years at WELLS FARGO Advisors. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Douglas Emery is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Woodbury Financial Services Inc for 15 years. Outside of advising, Emery is involved in firearms instruction as a registered pistol instructor and range safety officer, and he serves as president of a nonprofit focused on firearms training for local law enforcement. He is also president of several small businesses related to security services and firearms products, and he is writing an action adventure book about the investment industry and armed personal security. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors and advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and automated rebalancing to construct portfolios across various asset classes, with options for discretionary or non-discretionary management.

Marcus Debaldo is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of experience in the industry. His prior work includes roles at Austintown Local Schools and Youngstown State University, as well as entrepreneurial experience with Rogue Wave Auto Wash. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options tailored to plan objectives and risk tolerances.

John Fahey is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds Series 66 and Series 63 credentials and previously worked at Eagle Strategies LLC and Nylife Securities LLC, as well as New York Life Insurance Company. He also operates Fahey Financial Strategies LLC, through which he sells New York Life products and brokers non-registered insurance products. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, offering financial planning, consulting, and access to model wealth portfolios and third-party asset management. The firm’s integrated platform combines advisory programs with sales of financial products, including insurance, and supports lending through a collateralized credit program.

William Miner is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been active in the financial services industry since 1999 and joined Merrill Lynch in 2007. William serves a diverse clientele focusing on areas such as education planning, family wealth management, institutional investment consulting, retirement income, and small business strategies. He holds multiple professional designations including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). William earned both a Bachelor's Degree, magna cum laude, and a Master of Business Administration from Youngstown State University. Throughout his career, he has received recognition including being named to Forbes' "Best-in-State Wealth Advisors" list multiple times between 2018 and 2026, as well as Forbes/SHOOK's "America's Top Next-Generation Wealth Advisors" list in 2017 and 2018. He is also a member of the Miner Wealth Management Team, which was named to Forbes' "Best-in-State Wealth Management Teams" list in 2025 and 2026. Born and raised in Mahoning County, William resides in Lowellville with his wife Melissa and their three children. Outside of work, he coaches his children in sporting activities and enjoys baseball, basketball, billiards, camping, chess, cooking, football, golfing, spending time with family, and traveling. William actively participates in community organizations including United Way, Northeast Ohio Adoption Services (where he serves as a board member), Rotary, and the American Heart Association.

Thomas Baker is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 37 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is a 50% owner of an oil and gas royalty interest in New Martinsville, West Virginia. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Robert Cucitrone is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 2001 and Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lisa O’bryant is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 11 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following seven years with Bank of America and Merrill. Outside of her advisory role, she is involved with Studio Oxygen Yoga in Canfield, Ohio, where she works as an assistant cook. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and offers both retail and institutional investment solutions.

Frank Mindicino is a CFP®-designated financial advisor with Ameriprise Financial Services, LLC, where he has worked since 1981, totaling 45 years of industry experience. He has served in multiple roles within Ameriprise and is involved in providing consulting services to financial advisors through his business, P.G.P. Advisors, LLC. Mindicino also holds board positions with UPMC Hospital and eCenter@LindenPointe, and participates in leadership education for financial service firms through NGCSA, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing advice focused on retirement income planning, using proprietary research and third-party data within a defined investment framework.

Michael Thomas Jr. is a Series 66 licensed financial advisor with 24 years of industry experience. He has been with Stifel since 2009. Outside of his advisory role, he is involved in several entrepreneurial ventures, including co-owning and managing self-service laundromats and a tap room in Ohio. Stifel serves a broad client base that includes individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Clyde Tommelleo is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 39 years of industry experience. He has been with LPL Financial since 2009. Outside of advisory work, he is involved in fixed insurance products through his business, Tommelleo & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and various investment strategies.

Callie Lucich is a financial advisor with Ameriprise in Poland, Ohio, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, she worked at BNY Mellon for four years. She is also an associate financial advisor with Integrated Professional Partners, LLC, where she manages an advisory business. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. As a large institutional firm, it also delivers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Zachary Machuga is a CFP® and holds a Series 66 license, with four years of industry experience. He has been with Wells Fargo Clearing since 2021 and previously worked at Maxim Healthcare Services, Waynesburg University, and Sportsworld. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Dominic Naples is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. His previous roles include positions at Farmers National Bank, Baird Brothers, and Robert F Naples DO Inc. Outside of advising, he is a 50% owner of 2 Brothers Properties Ltd, a business involved in rental property renovations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of managed account programs, financial planning, and access to third-party managers across discretionary and non-discretionary platforms.

William Melago is a financial advisor with J.P. Morgan Securities in Warren, OH, holding Series 63 and Series 66 credentials and eight years of industry experience. His work history includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as a previous position with the City of Youngstown. Prior to entering finance, he spent 15 years at Pizza Joe's. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering customized investment solutions through a quantitative asset-allocation approach combined with centralized due diligence.

Robert Ferraro is a financial advisor with Ameriprise in Youngstown, Ohio, holding a Series 66 designation and 25 years of industry experience. He previously worked at Stifel for 10 years before joining Ameriprise Financial Services Inc and Ameriprise. Outside of his advisory role, he is involved in a personal business focused on employee benefits and tax preparation. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Krista Cartwright is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Clearing since 2018 and previously held roles at J.P. Morgan Securities and JPMorgan Chase Bank NA. Outside of her advisory work, she is a notary public in Ohio and serves as power of attorney and executrix for her mother. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Joseph Thomas Jr. is a financial advisor with Osaic Wealth, Inc., holding a Series 66 credential and bringing 24 years of industry experience. His career includes roles at Securities America, Sterne Agee, and Diversified Advisors. Outside of advising, he serves as Board President for a social services organization and has been involved in local civic and builder associations. Osaic Wealth, Inc. serves a diverse range of clients, including individuals, institutions, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and various investment platforms. The firm employs asset-allocation tools, risk assessment, and automated rebalancing to construct diversified portfolios across multiple asset classes.