Vivian Adkins is a financial advisor with Primerica Advisors in Sylvania, Ohio, holding 12 years of industry experience. She has been with Primerica Advisors since 2014 and has been affiliated with Primerica Financial Services since 2001. Outside of advisory services, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable accounts. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-driven strategies managed by unaffiliated asset managers and supported by third-party custodians.

Michael Clements is a financial advisor with LPL Financial in Toledo, OH, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has held roles at Financial Design Group, Minnesota Life, and Securian Financial Services, with ongoing involvement in non-variable insurance sales. 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 diverse advisory and brokerage services, including financial planning and model portfolio programs, supported by a broad platform that integrates third-party asset management and institutional solutions.

David Wright is a ChFC®-credentialed financial advisor with 40 years of industry experience. He is currently with LPL Financial and has previously worked at Wright Financial Group, Sound Income Strategies, and Cetera Advisors. He owns Wright Financial Group, LLC, which conducts sales and service of fixed and index annuities as well as life and long-term care insurance. 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 range of financial planning and investment management solutions through a large network of investment adviser representatives.

Jeff Guthrie is a financial advisor with Cetera in Dundee, MI, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior roles include positions at The Huntington National Bank and its affiliated investment companies. Cetera Investment Advisers LLC serves a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Timothy Perry is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked with PFS Investments Inc. since 2007 and Primerica Financial Services since 2005. Outside of his advisory role, Perry serves at Wyldewood Baptist Church and has held a vice chairman position on a local election campaign finance committee. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited selection of discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with trading and custody services provided by Pershing and Primerica Brokerage Services.

Joseph Siekierda is a financial advisor at Ameriprise with 28 years of industry experience. He holds the Series 66 designation and has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, which provides written recommendations and ongoing advice based on asset allocation, withdrawal strategies, and Social Security options.

Richard Bohn is a financial advisor with Raymond James Financial in Toledo, OH, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been associated with Raymond James Financial as well as Lexington Capital Partners, LLC and NWQ Wealth Partners, LLC since 2009. Outside of his advisory role, he is owner of two support companies and works as a non-variable insurance agent on a referral basis. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals, and maintains unique affiliations and programs, including municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Matthew Langham is a financial advisor at Robert Baird & Co. with 23 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing from 2016 to 2024. Outside of his advisory work, Langham serves as a trustee for the Williamsburg on the River HOA in Bowling Green, Ohio. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and utilizes both manager-traded and model-traded SMA strategies along with tax-management and direct-indexing capabilities.

Mark Cole is a financial advisor with Robert W. Baird & Co. in Toledo, OH, holding a Series 66 designation and ten years of industry experience. He has been with Robert W. Baird since 2020, following four years at Wells Fargo Clearing. The DDK Group, part of Robert W. Baird’s Private Wealth Management department, serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and custody and brokerage services, supported by ongoing manager selection, internal research, and a mix of advisory strategies.

Gregory Mikesell is a financial advisor with LPL Financial who holds a Series 66 designation and has 26 years of industry experience. He has worked at Financial Design Group since 2000 and was affiliated with Securian Financial Services, Inc. and Minnesota Life for 22 years. His other business activities include managing a non-variable insurance business under FDG Fixed Insurance in Toledo, Ohio. 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 and access to multiple investment management strategies, supported by extensive operational tools and a broad network of over 22,800 advisors.

Marci Bennitt is a financial advisor at Edward Jones in Toledo, OH, holding the Series 66 designation with nine years of industry experience. She has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment options supported by a large nationwide network of advisors and branch offices.

Kristie Howe is a CFP®-certified financial advisor with 27 years of industry experience. She has worked at Wells Fargo Advisors since 2026 and previously spent 15 years with UBS Financial Services INC. Outside of her advisory role, she occasionally assists with bill payments for a family-owned home renovation business. Wells Fargo Advisors serves individuals, trusts, and institutional clients, providing investment and fee-based financial planning services that include specialized areas such as business-owner transition and special-needs analysis.

David Walkup is a financial advisor with LPL Financial in Toledo, Ohio, holding a Series 66 designation and six years of industry experience. He has worked previously at Minnesota Life Insurance Co, Securian Financial Services Inc, Edward Jones, and Healthy Interactions. Outside of his advisory role, he is involved with Financial Design Group and FDG Fixed Insurance, offering non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolios, and access to third-party asset management, with advisory solutions that include both discretionary and non-discretionary strategies supported by research and technology tools.

Michael Mahnke is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Ameriprise in various capacities since 2009. Outside of his advisory role, he serves as a high school football, softball, and baseball official. Ameriprise offers a retirement-income planning service targeting clients with at least $1 million in investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Aaron Webb is a financial advisor at Morgan Stanley in Toledo, OH, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Raymond James Financial Services Advisors, Legacy Financial Inc., and Fusion Financial Group. Outside of finance, he has worked in landscaping and campus dining services. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, providing tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and specialized planning groups.

John Zechman is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 66 certifications and has previously worked at Voya Financial Advisors and Cetera Wealth Services. Zechman serves on the boards of several nonprofit organizations, including the YMCA and JCC of Greater Toledo, Mercy Outreach Ministries, Luther Home of Mercy Foundation, and the Sylvania Community Rotary Foundation. Cetera Investment Advisers LLC is an SEC-registered firm that provides investment advisory services through a nationwide network of independent advisors. The firm serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers across multiple program structures.

Raymond Sternberg is a financial advisor at Osaic with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Royal Alliance Associates, Inc. since 2018. Prior to that, he spent extensive periods at Signator Investors, Inc. and John Hancock Mutual Life Insurance. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s approach incorporates model-based asset allocation, portfolio optimization, and access to various managed account strategies and third-party managers.

Judith Wietrzykowski is a financial advisor with UBS Financial Services, holding a Series 63 designation and 42 years of industry experience. She has been with UBS since 1988, totaling 38 years at the firm. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory products, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations in its advisory approach.

Thomas Giovanoli Jr. is a financial advisor with Mass Mutual Investors Services in Toledo, Ohio, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Croak Asset Management, Fidelity Brokerage Services, and MassMutual Life Insurance Company. He also works as an insurance agent, focusing on life, disability, fixed life, long-term care, fixed annuities, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual planning engagements using firm-approved tools and offers specialized programs including divorce planning and employer-sponsored planning.

David Sattler is a financial advisor with Raymond James Financial in Toledo, OH, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been associated with Raymond James Financial since 2009 and previously worked at Briggs Wealth Planning. Outside of his advisory role, he serves as an agent for non-fixed direct insurance business. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports its clients with advanced analytical tools and specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.