Connor Brown is a financial advisor with Morgan Stanley in Toledo, OH, holding Series 63 and Series 65 licenses with two years of industry experience. His background includes multiple roles within Morgan Stanley since 2019 and prior experience with the Cincinnati Reds and Impact Products. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm‑approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through direct client engagements and corporate financial planning arrangements.

Ryan Salazar is a financial advisor with LPL Financial in Toledo, Ohio, holding Series 65 and Series 66 licenses and five years of industry experience. Prior to joining LPL Financial, he worked with OsaiC / Royal Alliance Associates, Inc. and Savage and Associates. He also has experience outside finance, having worked at Skyzone Trampoline Park for two years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Sandra Adam is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management, where she works with individuals, families, and business owners to simplify complex financial lives and assist with confident decision-making. She is a senior partner on the Happ Adam Darah Group, which oversees approximately $2.0 billion in client assets as of August 2026 and has been recognized on the Forbes "Best-in-State Wealth Management Teams" list from 2023 to 2026. With a background beginning her career in philanthropy at the American Red Cross and Toledo Museum of Art, Sandra incorporates a holistic approach to wealth management, addressing transitions such as business sales, retirement preparation, family support, and legacy planning. Her expertise includes family wealth management strategies, legacy planning, liquidity management, philanthropic planning, and retirement income. She emphasizes listening, proactive planning, and collaboration with CPAs and attorneys to deliver personalized guidance. Sandra holds a high school diploma from Notre Dame Academy, a bachelor's degree from the University of Toledo, and a master's degree from Heidelberg College. Her professional credentials include CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She serves as Chair of the Ohio Living Corporate Board and is actively involved in the Ohio Living community. Outside of work, Sandra enjoys boating, chess, dancing, golfing, music, reading, running, and spending time with her family.

Jennifer Panczyszyn is a financial advisor with Edward Jones in Toledo, Ohio, holding a Series 63 designation and 20 years of industry experience. She has been with Edward Jones since 2013. 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 strategies supported by a large network of financial advisors and branch offices nationwide.

John Ruppel Jr. is a financial advisor with Ameriprise in Toledo, Ohio, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of his advisory role, he serves on the Board of Directors for the Whispering Pines North Sub-Association. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides ongoing retirement income planning advice through a centralized team working with advisors.

Richard Balhoff is a financial advisor with Osaic Wealth who holds the ChFC® and Series 63 designations and has 40 years of industry experience. His prior career includes roles at Vision Capital Partners, Triad Advisors, Cetera Advisors, and Eagle Strategies. He serves as Vice President of the Crosscreek Woods Homeowners Association in Monclova, Ohio. Osaic Wealth provides brokerage and advisory services to a diverse client base, including individual investors, retirement plans, charities, and corporations. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, offering various managed account programs and third-party manager options across a large multi-advisor platform.

Kelley Gibbons is a financial advisor with MassMutual Investors Services in Toledo, OH, holding a Series 63 designation and 26 years of industry experience. She has been with MassMutual Investors Services and MassMutual Life Insurance Company since 2011. Gibbons also works as an insurance broker focusing on life, disability, long-term care, and fixed annuities. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals—including high-net-worth clients—business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning engagements that include the use of firm-approved analytical software and event-driven planning services.

Clay Symington is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 65 and Series 63 licenses and has five years of industry experience. Prior to joining Raymond James, he worked at Ameritas Advisory Services and several other financial firms. Symington serves as treasurer and board member for Emmanuel Christian School, a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual investors, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public finance activities through a unique affiliation with a municipal advisor.

Jason Tyo is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He previously worked for UBS Financial Services for 10 years before joining Wells Fargo Advisors in 2026. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

John Farr is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charities. The firm manages approximately $1.01 trillion in assets through a network of more than 23,700 advisors and offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

David Eisenstein is a financial advisor with Ameriprise in Holland, Ohio, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a structured oversight process, offering a broad range of advisory, brokerage, and insurance solutions.

Barbara Wagoner is a financial advisor with Ameriprise in Sylvania, Ohio, holding a Series 63 designation and 45 years of industry experience. She has been with Ameriprise and its predecessor firms since 1980. Outside of her advisory role, she owns Wilson Rae Properties, an LLC that manages commercial suites in Toledo, Ohio. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research and modeling techniques with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Bradley Roberts is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. His prior work history includes roles at Royal Alliance, Next Financial Group, Inc., and Mutual Service Corporation. He is also involved in non-variable insurance sales, offering term life, universal life, and fixed annuities in Toledo, Ohio. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jeffrey Johnson is a Certified Financial Planner (CFP®) with 35 years of industry experience. He has been with Ameriprise since 2005, including his current role at Ameriprise since 2020. Outside of financial services, he has longstanding involvement with Kosler Lawn & Landscape and the University of Toledo. 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 recommendations and ongoing retirement-income planning advice, focusing on dependable income and tax-aware withdrawal strategies.

Kathleen Kawczynski is a financial advisor with MassMutual Investors Services in Toledo, OH, holding a Series 63 designation and 37 years of industry experience. She has been with MassMutual Investors Services and MassMutual Life Insurance Company since 1992. In addition to her advisory role, she is involved in health and life insurance sales. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing, structured financial planning engagements using firm-approved tools and offers various specialized planning programs.

Justin Henck is a financial advisor at UBS Financial Services with 10 years of industry experience. He has been with UBS since 2015 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor investment plans.

Pamela Miller is a financial advisor with Morgan Stanley in Toledo, OH, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of finance, she owns and designs jewelry through her sole proprietorship. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual relationships and corporate financial planning agreements.

Andrew Melick is a financial advisor at Robert W. Baird & Co. with five years of industry experience. He holds the Series 66 designation and has been with Robert W. Baird since 2018. Prior to his advisory role, he was a full-time student from 2016 to 2021. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management department that serves individuals, corporate clients, pension plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and brokerage services, supported by internal research, manager selection, and the use of artificial intelligence in client advice.

Earl Emery is a financial advisor with LPL Financial in Toledo, OH, holding the ChFC® and Series 63 designations and bringing 37 years of industry experience. His prior roles include positions at Cetera and Mass Mutual Investors Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Alexandra Jahns is a financial advisor with Morgan Stanley in Toledo, OH, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley in 2024, she worked at Wilcox Financial and Wilcox Sports Management from 2021 to 2024. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs including financial and estate planning, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm‑approved tools and analytics, offering advisory services without individual security recommendations as part of its standalone planning programs.