John Harris Jr. is a financial advisor at Ameriprise with four years of industry experience. He holds Series 63 and Series 65 designations and has a background that includes service in the United States Marine Corps and work in retail and home improvement sectors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides tailored recommendation reports and ongoing planning focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Marcus Jones is a financial advisor with Raymond James & Associates, holding the CFP® designation and Series 63 and 65 licenses, with 32 years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Prudential Equity Group. Outside of his advisory work, he is involved as a representative for Arbonne, a nutritional products company. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Jacob Chalupa is a financial advisor at Ameriprise with 18 years of industry experience. He holds the Series 66 designation and previously worked at The Huntington Investment Company for 17 years and Morgan Stanley & Co. LLC for one year. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies. The firm’s approach includes a centralized service team that produces detailed recommendation reports and collaborates with advisors to support non-discretionary implementation.

Gerald Beale Jr. is a financial advisor with Morgan Stanley in Perrysburg, OH, holding Series 63 and Series 65 licenses and offering 35 years of industry experience. He worked at Merrill from 1992 to 2017 before joining Morgan Stanley and its affiliated private bank in 2017. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Judy Ashley is a financial advisor at Thrivent Investment Management with 21 years of industry experience. She holds a Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Outside of her advisory work, she is a co-owner of RJAJ Properties, LLC, where she manages an owner-occupied office building in Perrysburg, Ohio. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers comprehensive, goal-based planning on a broad range of topics, while keeping planning and managed-account services separate.

Stephen Milewski is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been with OSAIC since 2013. He also owns and operates Savage & Associates, a sole proprietorship focused on insurance sales and investment services, and serves on the board of Savage McVicker Insurance. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, complex affiliate network, and recent consolidation activity.

Kevin Kersten is a financial advisor with LPL Financial in Perrysburg, Ohio. He holds a Series 63 designation and has 26 years of industry experience, including a long tenure with Linsco/Private Ledger. He also operates a business under the name Kersten Wealth Management Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment solutions, utilizing both proprietary and third-party strategies, supported by advanced operational and research tools.

Gary Lesage is a CFP® with 26 years of industry experience, currently serving as a financial advisor at OSAIC since 2013. He has also worked at Savage & Associates since 1998. Lesage is a shareholder and board member of Savage McVicker Insurance and is involved in several business activities including operating GMONEY Holdings, LLC. OSAIC Wealth serves a diverse client base, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by various tools and options for discretionary and advisor-managed strategies.

Matthew McCartney is a CFP® and Series 66 registered advisor with Edward Jones, where he has worked for 10 years. He is based in Waterville, OH and has accumulated a decade of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies under a fiduciary standard.

Daniel Kunos is a financial advisor with Ameriprise in Perrysburg, OH, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 24 years of industry experience, including prior roles at Financial Design Group, Minnesota Life, and Securian Financial Services. He is also the owner of DEK2022, LLC, a legal entity established to support his practice. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Ralph Toland III is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at Osaic Wealth, INC since 2023, following a decade at Royal Alliance and over 40 years at Savage & Associates. Outside of his advisory role, Toland serves as chairman of the board for the YMCA and is a board member of the National Museum of the Great Lakes. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services across various programs, emphasizing model-based asset allocation and portfolio optimization.

Cheryl Norman is a financial advisor at Cambridge Investment Research Advisors with 31 years of industry experience. She holds the ChFC® designation and Series 63 license. Her prior experience includes roles at Cetera Wealth Services, Financial Management Strategies, Savage and Associates, and Walnut Street Securities. She is also an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and utilizes multiple platforms and custodians to support both discretionary and non-discretionary management.

Matthew Skotynsky is a financial advisor with Raymond James Financial in Perrysburg, OH, holding a Series 63 designation and 27 years of industry experience. He has been with Raymond James Financial and its affiliated entities since 2006. Outside of his advisory role, Skotynsky is involved as owner or president of several local businesses, including a business he leads as president and owner, Rockledge4msko LLC. 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, corporations, and institutional investors. The firm delivers tailored non-discretionary planning and consulting using risk profiling and modeling tools, and supports clients through a broad advisor network and institutional consulting services.

Joel Tschantz is a financial advisor at OSAIC with 33 years of industry experience. He has been with OSAIC since 2013 and has a long-standing affiliation with Savage & Associates dating back to 1984. Outside of his advisory work, he is a 25% owner of Handy Twine Knife Company and is involved in buying and selling sports memorabilia as a hobby. OSAIC Wealth serves a diverse client base, including retail and institutional investors, with a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization, providing various investment programs and third-party manager options.

Stephen Morr is a financial professional at OSAIC with 32 years of industry experience. He holds the Series 63 designation and has worked at OSAIC since 2023, following a decade at Royal Alliance and over three decades at Savage & Associates. Outside of advisory work, Morr is involved in building spec homes for resale, financing construction projects under a building contract. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process utilizes model-based asset allocation and portfolio optimization tools, supporting a range of client strategies through affiliated broker-dealer and RIA relationships.

Gregory Durivage is a financial advisor with Thrivent Investment Management in Waterville, Ohio. He holds Series 63 and Series 66 licenses and has 12 years of industry experience, all with Thrivent Financial since 2014. Outside of his advisory role, he serves as a council member for Zion Lutheran Church in Waterville. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients. The firm focuses on holistic, goal-based planning covering a wide range of topics, while keeping planning and managed-account services separate.

Mark Smith is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and over 40 years of industry experience. He has worked at OSAIC since 2023 and previously spent 10 years at Royal Alliance. Smith is also the owner of a sole proprietorship focused on the sale of life, health, and disability insurance products. OSAIC Wealth serves a diverse range of clients, including retail investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process with portfolio optimization tools and offers various managed account programs, supported by a complex affiliate network and private-equity ownership.

Bernard Barrow Jr. is a CFP® professional at OSAIC with 21 years of industry experience. He previously worked at Securities America Advisors and PNC Wealth Management and serves as a trustee for the Boys and Girls Clubs of Toledo. He is based in Maumee, OH. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation and portfolio optimization.

Robert Pietras is a financial advisor at OSAIC with 20 years of industry experience. He holds Series 65, Series 66, and Series 63 credentials. His prior experience includes roles at Royal Alliance, Russel A Karban Financial, Plante Moran Financial Advisors, and Edward Jones. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization, providing advisors with a range of managed strategies and third-party manager options.

Michael Sordyl is a financial advisor at OSAIC with 20 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. Prior to joining OSAIC in 2018, he worked for John Hancock/Signator Investors, Inc. for 12 years. He serves on the Endowment Committee for the Toledo Opera Association, reviewing investment statements of the organization's endowment assets. 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 an investment process centered on model-based asset allocation, portfolio optimization, and a range of managed account programs.