Luis Ramirez is a financial advisor at Osaic Wealth, Inc. with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Savage & Associates and its affiliated entities since 1996. Ramirez also participates in the education and training of new advisors at Savage and Associates. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors. The firm provides a range of advisory and brokerage services, employing asset-allocation tools and multiple investment platforms to construct portfolios tailored to client needs.

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.

Blake Sizemore is a CFP®-designated financial advisor with Edward Jones, where he has worked since 2009, totaling 16 years of industry experience. He holds the Series 66 license and operates out of Napoleon, Ohio. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices nationwide.

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 at OSAIC with a Series 66 credential and three years of industry experience. Prior to joining OSAIC, he worked with Savage and Associates and operated his own insurance business. He holds the role of Life Insurance Chair at BNI Northwest Ohio, where he discusses life insurance products and case scenarios. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and platforms, offering integrated brokerage, advisory, and financial planning services. The firm employs asset-allocation tools and third-party money managers to construct diversified portfolios tailored to client risk tolerance and investment preferences.

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 with OSAIC, holding Series 63 and Series 66 designations and 25 years of industry experience. He previously worked at Royal Alliance for 10 years and has been associated with Century Marketing Group since 1984. Outside of his advisory role, he is authoring a book on goal setting and provides basic financial advice through his own limited liability company, focusing on education and personal financial planning. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through a wide network of advisers and integrated platforms. The firm employs asset-allocation tools and offers a range of investment options and third-party solutions to manage portfolios on both discretionary and non-discretionary bases.

Ruth Gahler is a financial advisor at Edward Jones in Perrysburg, Ohio, holding a Series 66 designation with 6 years of industry experience. She has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

David Barkholz is a financial advisor with LPL Financial in Maumee, Ohio, holding a Series 63 license and 14 years of industry experience. His prior work includes roles at WealthWave, FIST Office Partners LLC, and Transamerica Financial Advisors, Inc. Barkholz has also been involved in entrepreneurial ventures through Barkholz Enterprises and FIST Office Partners LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kelly Savage is a financial advisor with Osaic Wealth Inc. in Maumee, Ohio, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been associated with Savage & Associates since 1995 and with Osaic Wealth Inc. since 2013. Outside of his advisory work, Savage serves on the board of Blue and Gold, a nonprofit supporting the University of Toledo basketball program, and on the board of the Savage Foundation, which oversees charitable initiatives including the Savage Golf Classic. Osaic Wealth Inc. serves a diverse client base ranging from individual investors to pension plans and charitable organizations, offering an integrated suite of brokerage, advisory, and financial planning services through a large network of affiliated advisors. The firm utilizes a range of asset-allocation tools and third-party platforms to construct and manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Janelle Debacker is a financial advisor at Cetera with 28 years of industry experience. She holds a Series 63 designation and has worked with Avantax and Hawthorne Financial, where she also serves as owner and sole proprietor. Additionally, she is the fiscal officer for York Township and owns a boutique selling dog-related items. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers across various program structures.

Kaden Sanford is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. Prior to joining the firm, he was involved in the restaurant business, including roles at Tougen Japanese Restaurant and K's Fine Food & Drink. OSAIC serves a diverse client base that includes retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm utilizes a range of asset-allocation tools and supports various investment strategies, including discretionary and non-discretionary account management.

Ryan Savage is a CFP® professional with seven years of industry experience, currently affiliated with OSAIC. His prior roles include positions at Wurtec, Savage and Associates, and Genoa Banking Company. He serves as a board member of the Toledo Police Foundation, a nonprofit organization supporting community and police partnerships. OSAIC serves a diverse client base ranging from individual investors to institutions, providing brokerage and advisory services through an extensive network of advisors. The firm employs a range of asset-allocation tools and offers access to various investment solutions, including model portfolios and third-party money managers.

Derek Dierks is a Series 66-licensed financial advisor with 21 years of experience, currently practicing at Thrivent Investment Management in Maumee, Ohio. He has been with Thrivent Financial for Lutherans since 2004. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering comprehensive, goal-based planning across a range of financial topics without discretionary trading authority.

Timothy Green is a Series 66 licensed financial advisor with nine years of industry experience. He is currently with Fidelity Investments and has previously worked at Bank of America and Merrill. Outside of finance, he has experience with the Toledo Football Academy. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, managing model portfolios across various investable assets and serving multiple registered investment companies.

Zachary Skees is a financial advisor with LPL Enterprise, holding a Series 66 designation and beginning his industry career in 2026. Prior to joining LPL Enterprise, he worked at Prudential and has a background in construction and building materials firms. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is typically model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers services such as financial planning, access to third-party asset managers, and affiliated insurance and trust services.

Loren Odegaard is a financial advisor with Edward Jones in Perrysburg, OH, holding a Series 63 designation and 24 years of industry experience, all with Edward Jones since 2002. Outside of his advisory role, he is associated with the Ohio Air National Guard. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of discretionary and non-discretionary investment strategies supported by a nationwide network of more than 23,700 financial advisors.