Michael Sassaman is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. and has operated Capital Management Strategies LLC since 2010. Outside of his advisory practice, he is involved in coaching sports and fitness activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and technology-driven approaches.

Adel Youssef is a financial advisor with Cetera who holds a Series 66 designation and has 22 years of industry experience. He has worked at Cetera since 2021 and previously spent seven years at Voya Financial Advisors. Youssef also owns EY Enterprise, LLC, a business coordinating buyers and sellers for laboratory and medical products. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a nationwide network of independent advisors and operates as a multi-manager platform with access to various investment management options.

Pawon Kummar is a financial advisor at Osaic Wealth, Inc. with a Series 66 designation and one year of industry experience. Prior to joining Osaic, he has been involved with AJUS Consultants, LLC since 2022. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to various managed-account solutions through a large network of affiliated advisers. The firm’s investment approach employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing across multiple asset classes.

Nathan Geisler is a financial advisor with Merrill in Toledo, OH, holding Series 63 and Series 65 credentials and with 52 years of industry experience. He has been with Merrill since 1973 and also affiliated with Bank of America since 2009. Geisler is a retired Air Force commander and remains on call for potential active duty. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Allan Poturalski is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its affiliated private bank since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, and offers a broad range of retail and institutional investment services.

Kimberly Marsh is a financial advisor with Morgan Stanley in Toledo, Ohio, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analyses to support client planning.

Debra Sendelbach is a financial advisor at RBC Capital Markets with 39 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Bank of America and Merrill Lynch. She serves as secretary of the Point Place Boat Club in Toledo, Ohio. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services with tailored investment strategies.

David Mercer Jr. is a financial advisor with Mass Mutual Investors Services in Toledo, OH, holding Series 65 and Series 63 licenses and three years of industry experience. His prior roles include positions at OSAIC FA, Inc., Magis Wealth Advisors, Lincoln Financial Advisors, Equity Trust Company, and LPL Financial. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, employing firm-approved software tools to deliver tailored recommendations primarily focused on investment categories and strategies.

Michael Bilik is a Series 66-credentialed financial advisor with Edward Jones in Sylvania, Ohio, where he has worked since 2019. He has seven years of industry experience, including fourteen years at Buckeye Telesystem prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm 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.

Mark Spieldenner is a financial advisor at Cetera with three years of industry experience. He holds a Series 66 designation and has worked in financial services and fixed insurance, including life, annuities, and long-term care insurance. Prior to joining Cetera, he was associated with Tam-O-Shanter for four years. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services using a multi-manager platform with discretionary and non-discretionary program structures.

Richard Desautels is a financial advisor with Ameriprise in Toledo, OH, holding a Series 63 designation and 41 years of industry experience. He has been with Ameriprise and its predecessor firms since 1985. Outside of advising, he is involved in business ownership related to office maintenance. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Michael Kuebler is a financial advisor with MassMutual Investors Services in Toledo, OH, holding a Series 63 license and 13 years of industry experience. He previously worked at MetLife before joining MassMutual in 2016. Outside of his advisory role, he has served as an assistant varsity baseball coach at Central Catholic High School since 1992 and as a high school basketball official since 1989. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm uses detailed client data and firm-approved tools to create written financial plans, offering a range of programs including estate settlement and employer-sponsored planning.

Lawrence Nold Jr. is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 31 years of industry experience. He has been with MML Investor Services, Inc. and Massachusetts Mutual Life Insurance Company since 1994. Outside of his advisory role, he serves as treasurer on the board of the St. Michael the Archangel Parish Foundation & St. Michael School Foundation, overseeing and reviewing investment returns. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools to deliver written investment recommendations as part of ongoing planning relationships.

David Sluss is a financial advisor with Ameriprise in Adrian, MI, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors and as an elder at Ogden Community Bible Church. Ameriprise offers a retirement-income planning service focused on individuals with significant investable assets, providing detailed recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines algorithmic automation with personalized review to support retirement planning and offers a broad range of advisory, brokerage, and insurance solutions.

Scott Dozier is a financial advisor with J.P. Morgan Securities in Sylvania, OH, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with J.P. Morgan Securities since 2014 and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Ryan Smith is a financial advisor with Wells Fargo Clearing in Toledo, OH, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. His prior experience includes nine years at Bank of America, N.A. before joining Wells Fargo Clearing Services, LLC in 2019. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Michelle Graham is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 25 years of industry experience. Her prior roles include positions at Morgan Stanley and Merrill Lynch, Pierce, Fenner & Smith Incorporated. She is based in Toledo, Ohio. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services from investment policy statement preparation to participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Melanie Connelly is a CFP® and holds a Series 66 license with 12 years of industry experience. She has worked at Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions through a large nationwide network of financial advisors and branch offices.

Sarah Jobak is a financial advisor at Morgan Stanley in Toledo, OH, holding a Series 66 credential with 12 years of industry experience. She previously worked at Wells Fargo Clearing and Ameriprise Financial Services, Inc. before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning delivered through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside Global Investment Committee estimates and Monte Carlo simulations to model financial outcomes.

Kathleen Tollison is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has been with Raymond James since 2009. Outside of her advisory role, she is an agent involved in fixed annuity business through a non-variable insurance activity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.