Lenell Horton is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has worked in various roles, including independent contractor positions with Pensa Systems and as a caddie for over a decade. Horton also serves as a paraplanner for A2 Business LLC, managing advisory business operations. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized retirement income planning service focused on dependable income sources and tax-aware withdrawal strategies.

Gregory Seals is a financial advisor with Mass Mutual Investors Services in Toledo, Ohio, holding a Series 63 designation and 26 years of industry experience. He has been with MML Investors Services and Mass Mutual Life Insurance Company since 2013. Outside of his advisory role, he is involved in Medicare insurance education and training through principal agent positions in multiple health and wellness organizations. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative planning relationships using firm-approved analytical tools.

Deborah Boisselle is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with LPL Financial since 1995. She also operates a dba, Citizens Wealth Management Group, based in Bowling Green, Ohio. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting services supported by model portfolios and research from internal and third-party sources.

Wendy Lamberg Greeley is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. Since beginning her career at Merrill in 1992, she has provided financial advice and guidance to individuals, families, and business owners. Wendy holds a Bachelor's Degree from the Honors College at Ball State University, where she studied Finance. She has earned the Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor® designations, and holds professional licenses in life and long-term care insurance and annuities. She has also passed the FINRA Series 7, 63, and 65 financial certification exams. Wendy focuses on developing personalized financial strategies tailored to the unique needs and goals of her clients. Her areas of expertise include education planning, retirement income, tax minimization, legacy planning, family wealth management strategies, and planning for women and wealth, among others. She is committed to maintaining the confidentiality and trust of her clients, offering personal and timely service. Wendy resides in Ottawa Hills, Ohio, where she serves on the Ottawa Hills Village Council and participates in the Ottawa Hills Green Bear Ball Steering Committee. She enjoys boating, spending time with her family, and traveling.

Russell Dempsey is a CFP® with 24 years of experience in the financial services industry and is currently affiliated with Cetera Wealth Services, LLC. His background includes roles at Avantax Advisory Services, 1ST Global Advisors, and Willis & Machnik Financial Services. Outside of advising, he serves as president of a CPA firm and is involved as a potential advisory board member for the nonprofit Maya Indian Mission, Inc., as well as providing accounting support for a sickle cell anemia organization. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving 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 with access to affiliated and third-party managers, operating across various program structures and custodial relationships.

Janice Bertz is a financial advisor with Edward Jones in Toledo, Ohio. She holds a Series 66 designation and has 13 years of industry experience. Bertz has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Robert Ruff is a financial advisor with Mass Mutual Investors Services in Toledo, OH, holding a Series 63 designation and with 37 years of industry experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Company since 1988. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing analytical tools like Monte Carlo simulations and automated asset allocation to deliver written recommendations.

Benjamin Wilcox is a financial advisor at Raymond James Financial with 16 years of industry experience. He holds a Series 63 designation and has worked at Ameritas Advisory Services, LLC and other Ameritas affiliates over the past 15 years. Wilcox is also involved with Wilcox Financial and Wilcox Sports Management, which provides financial planning services tailored for sports professionals. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm provides non-discretionary planning and consulting customized to client goals, utilizing analytical tools such as risk profiling and modeling.

James Prisby is a CFP® with 34 years of experience in the financial services industry. He is currently with Wells Fargo Clearing, where he has worked since 2019. Prior to that, he held roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co., Incorporated. Prisby serves as a compensated trustee for the Bedacht Foundation in Toledo, OH. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Dempsey is a CFP® with 24 years of industry experience, currently advising clients at Cetera. His career includes roles at Avantax Advisory Services, 1ST Global Advisors, and Willis & Machnik Financial Services. He is also a shareholder and CPA at Dempsey & Dempsey, P.C. CPAs. Outside of advising, he owns and manages accounting for a beach resort and serves as a trustee for his personal revocable trust. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of over 10,000 independent advisors. It offers a range of investment and retirement services to individual, corporate, charitable, and institutional clients through a multi-manager platform that includes discretionary and non-discretionary portfolio management and access to third-party money managers.

Zachariah Penwell is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously managed a chiropractic clinic while also providing nutritional consultations for Metagenics. Prior to his financial advisory role, he worked in healthcare and corporate settings. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a nationwide network of more than 23,700 advisors. The firm offers a range of investment strategies and advisory services under a fiduciary standard.

Austin Stoll is a financial advisor with UBS Financial Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Fifth Third Bank and various positions outside finance, including at Miami University and Donley Concrete Cutting Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Emily Brunke is a financial advisor at Thrivent Investment Management with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has worked previously at LPL Financial, Northwest Bank, and Huntington National Bank. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, focusing on goal-based analyses and written recommendations across a broad range of planning topics. The firm offers these services on a one-time or ongoing basis but does not provide portfolio management for institutional clients.

Aaron Stark is a CFP® professional with 11 years of experience in the financial industry. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

April Aschemeier is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She has worked at Wells Fargo Advisors from 2013 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. She holds a Series 63 designation and is based in Toledo, Ohio. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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 among its investment offerings.

Joel Salazar is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. His prior roles include positions at OSAIC and Ameriprise Financial Services. Outside of his advisory work, he owns Salazar Wealth Management, LLC, which he established for tax and client marketing purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources.

David Fraley II is a financial advisor with Morgan Stanley in Toledo, Ohio, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and advanced planning tools to support its services.

Robert Hanson is a financial advisor with Wells Fargo Clearing in Toledo, OH, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets through more than 14,000 advisors and offers both brokerage and advisory solutions.

Rodney Pender is a CFP® professional with 15 years of industry experience and has been with Edward Jones since 2010. He holds a residential builder’s license, which he maintains for property repairs and mentors others in real estate investing. Pender serves on multiple community and nonprofit boards, including the Vernon & Alice Pratt Foundation and the Lenawee County Education Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and managed solutions supported by a large nationwide network of financial advisors and branch offices.

Theresa Miller is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and Edward Jones. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.