Christina Lee is a financial advisor with Primerica Advisors in Youngstown, OH, holding nine years of industry experience. She has worked at PFS Investments Inc. since 2015 and has been affiliated with Primerica Financial Services since 2011. Outside of her advisory role, she owns and operates a home health care business in Bristolville, OH. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm employs a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Gregory Costantino is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has previously worked at Henegan Financial, Hannon & Associates Financial Services LLC, Home Depot, and in various roles with McDonald Local School Districts and the Village of McDonald. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by multiple program options and a complex affiliate network.

Carol Penny is a financial advisor with Primerica Advisors in Austintown, OH, holding a Series 63 designation and over 42 years of industry experience. She has been affiliated with Primerica Advisors since 1983 and Primerica Financial Services since 2000. Outside of advisory services, she is involved in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Jeremy Evans is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Prior to joining Ameriprise in 2026, he worked at Good Life Advisors, LLC and LPL Financial, LLC for a combined total of over a decade. 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 retirement-income planning advice based on extensive investment research and tax-aware withdrawal strategies.

James Carpenter III is a financial advisor at Edward Jones with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Edward Jones since 2017. Prior to that, he was affiliated with PNC Bank and PNC Investments from 2014 to 2017. He has served as a board member of the Steam Academy of Warren, where he participates in monthly meetings related to the school's operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households across the wealth spectrum, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Diane Ross is a financial advisor with Ameriprise in Canfield, Ohio, holding a Series 66 designation and 19 years of industry experience. She previously worked at Stifel and UBS Financial Services before joining Ameriprise. Outside of her advisory role, she manages a personal maintenance and business expenses company, Dangico LLC. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research and modeling to deliver tailored, tax-efficient withdrawal strategies and income recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Rene Ornelas is a financial advisor with LPL Financial based in New Castle, PA, holding Series 63 and Series 65 credentials and 27 years of industry experience. His career includes roles at Independent Advisor Alliance, Independent Financial Partners, NRP Advisors, Wells Fargo Advisors, and Morgan Stanley. Outside of his advisory work, he is also a musician who performs and books gigs. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment options, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Hannah Ritchie is a financial advisor at Ameriprise with a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, she worked in education roles at Warren City Schools and Canton City Schools, and attended Youngstown State University. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Lewis Rosa III is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and 26 years of industry experience. He has been associated with Raymond James and the Ristvey Investment Group since 2011. Outside of his advisory role, he serves as a board member on the Finance and Investment Committee for Shenango Valley Catholic School System. 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 plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting services supported by analytical tools, and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

John Chahine is a financial advisor with Morgan Stanley, holding a Series 66 designation and possessing 26 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019, and previously was affiliated with Bank of America and Merrill. Outside of his advisory role, he serves on the advisory board of St. Maron Catholic Church in Youngstown, Ohio. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Hayden Dattilio is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at Youngstown State. Outside of finance, he is involved in the restaurant industry as a server and bartender at Belleria Pizza and Restaurant. Equitable Advisors serves a broad range of clients including individuals, pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of advisers, utilizing both proprietary and third-party investment solutions.

Joseph Trani is a financial advisor with Ameriprise in Sharon, PA, holding a Series 66 designation and eight years of industry experience. He has been with Ameriprise since 2016, including his current role starting in 2020, and is also involved with PGP LLC, where he assists with general office operations. Ameriprise provides a retirement-income planning service focused on individuals with significant investable assets, delivering written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Megan Schmucker is a financial advisor with Morgan Stanley in Canfield, Ohio, holding a Series 66 designation and three years of industry experience. Her career includes roles at Morgan Stanley Private Bank, Progressive Casualty Insurance Company, First National Bank, Schroedel Scullin & Bestic LLC, and Youngstown State University. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and research, managing approximately $2.74 trillion in client assets.

Kurt Hurdley is a financial advisor with Morgan Stanley in Canfield, Ohio, holding a Series 66 designation and six years of industry experience. His career includes roles at Morgan Stanley Private Bank and MassMutual, among others. Morgan Stanley Wealth Management serves both individual and institutional clients, offering various advisory programs and tailored financial planning services supported by structured tools and modeling techniques.

Sandra Baylor is a financial advisor with Cetera, holding a Series 63 designation and 23 years of industry experience. She has worked at Cetera since 2006 and is also president of Baylor Services, Inc., a tax and accounting firm founded in 2014. Outside the financial sector, she owns Sandolay, Inc., a business specializing in small crafts and handmade novelty items, and is a member of the Youngstown Warren Regional Chamber. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors. The firm serves individual and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Elizabeth Van Dyke is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and seven years of industry experience. She has worked with Ameriprise since 2018 and previously held roles at The Ohio State University and Intellectual Wealth Group. Van Dyke is a member of the Hudson Garden Club Planning Committee, where she assists with organizing fundraising events to support community beautification and scholarships. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its Ameriprise Premier Retirement Income service, which provides personalized retirement-income planning through a centralized team using proprietary research and tools.

Donald Reed Jr. is a financial advisor with Cetera in Hermitage, PA, holding a Series 63 designation and 32 years of industry experience. He has been associated with Cetera since 2004 and operates Reed & Reed Associates, Inc., an accounting and income tax service, where he is a CPA. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various program options and manages over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Howard Hargate III is a Senior Financial Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. He began his career in financial services in 2013 and has developed a practice centered on disciplined, goal-oriented wealth management. Howard specializes in building diversified portfolios aligned with client objectives, balancing growth, income, and capital preservation with an emphasis on risk management and flexibility. He holds a Bachelor's degree with a double major in Finance and Accounting from Youngstown State University, where he served as President of the Student Investment Club. Howard also earned an MBA in Finance from Nova Southeastern University. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC), reflecting his expertise in fiduciary oversight and retirement planning. Howard is qualified to manage client assets on a discretionary basis through personalized investment strategies incorporating equities, fixed income, Merrill model portfolios, and third-party strategies. Outside of his professional work, he resides in Canfield, Ohio with his family and enjoys activities such as working out, golf, and hunting.

Erin Spalding is a financial advisor with Primerica Advisors, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at Ameriprise and BNY Mellon. Outside of her advisory work, she is involved in sales of non-investment related services such as home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors and select corporate and charitable clients. The firm employs model-based investment strategies supported by third-party asset managers and custodians.

Michael Bruno is a financial advisor at Ameriprise with 19 years of industry experience, holding a Series 66 designation. He has been with Ameriprise and its affiliate Ameriprise Financial Services since 2007. Outside of his advisory work, Bruno is involved in officiating football at the junior high, high school, and college levels. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. This service provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.