Caroline Adams is a Senior Financial Advisor with Williams, Jones & Associates, a wealth-management team at Merrill Lynch Wealth Management. She joined Merrill in 2021 after starting her career as a Certified Public Accountant with a large Montana-based public accounting firm. Caroline's approach to financial advising centers on developing personalized, goals-based wealth plans that address her clients' long-term ambitions. Her areas of expertise include tax-sensitive financial strategies, business planning, cash-flow analysis, higher-education savings, wealth transfer, and portfolio management services. Caroline and her team assist a diverse range of clients including executives, business owners, professionals, and multi-generational families. She emphasizes collaboration with clients' external tax and legal advisors to ensure coordinated planning. Caroline holds professional designations such as Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. Caroline earned dual bachelor's degrees in Accounting and Finance from Carroll College in Helena, Montana. She is involved with the Idaho Women's Charitable Foundation. Outside of her professional work, Caroline enjoys spending time outdoors with her husband, Cole, and their golden retriever, Bo, engaging in activities such as hiking, skiing, and tennis.

Jeremiah Brudno is a CFP® with 25 years of experience in the financial industry. He has been with J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Jon Shane is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Merrill since 1981, concurrently serving at Bank of America since 2011. Outside of his advisory role, he acts as a trustee for family-related irrevocable insurance and residence trusts. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated with Bank of America’s broader platform.

William Perkins IV is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at OSAIC since 2024, following 14 years at Securities America Advisors, Inc. and other roles dating back to 2005. In addition to his advisory work, he is involved in fixed insurance sales through a separate business. OSAIC serves a diverse client base including individual investors, corporations, and nonprofit organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk tolerance assessments, and managed account solutions across a broad range of investment products.

Susan Paolo is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James in 2023. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and supports municipal clients with public-financing and investment banking capabilities.

Gregory Crissman is Vice President, Wealth Planner at Fidelity Investments. He is responsible for developing, implementing, and monitoring wealth planning strategies for clients and their families. Gregory has over 20 years of experience at Fidelity Investments, having held several roles including Vice President, Financial Consultant; Private Access Relationship Manager; Investor Center Investments Representative; and Customer Service Representative. Prior to joining Fidelity, he worked as a Registered Representative at Vista Financial Group. Outside of his professional responsibilities, Gregory enjoys baseball, family activities, gardening, golf, music, and traveling.

Craig Voorhees is a financial advisor with Equitable Advisors in Burton, OH, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has been with Equitable Advisors since 2011, including the period when the firm operated as AxA Advisors. Outside of his advisory role, Voorhees is a partner and sales coach at CoverLink Insurance and serves as treasurer for the Berkshire Recreation Association. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Maxwell Grundy is a financial advisor at Edward Jones in Mentor, Ohio, holding a Series 66 designation with one year of industry experience. His prior roles include positions at CarbonWeb, The Mormile Agency, and Ryan King Insurance & Financial Services. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a variety of advisory programs and investment solutions supported by a large network of advisors and branch offices nationwide.

Steven Berman is a CFP®-designated financial advisor with Wells Fargo Advisors, bringing 30 years of industry experience. He has been with Wells Fargo in various capacities since 2009. Outside of his advisory role, he serves on the finance committee of The Gathering Place, a nonprofit organization in Beachwood, OH, and is a notary public. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition and sports & entertainment planning, supported by proprietary research and planning tools.

Catherine Foltz is a financial advisor at Morgan Stanley with 25 years of industry experience. She has held her current position since 2015 and holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide array of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

John Hibshman is a financial advisor at Osaic Wealth, Inc. with 34 years of industry experience. He previously worked for Lincoln Financial Advisors Corporation for 26 years before joining Osaic in 2025. He holds a Series 63 designation and also has an insurance agent role offering fixed insurance products. Osaic Wealth, Inc. serves a diverse client base that includes individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, and access to multiple advisory platforms, utilizing various asset-allocation tools and third-party money managers.

Jeremy Di Tullio is a financial advisor at OSAIC with 26 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining OSAIC in 2025, he spent 14 years with Lincoln Financial Advisors. Outside of his advisory role, Mr. Di Tullio manages a tax preparation business and operates a financial planning practice. OSAIC serves a wide range of clients, including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on diversified portfolios constructed using asset-allocation tools, risk-tolerance assessments, and automated rebalancing.

Susan Mullins is a Series 66-registered financial advisor with Morgan Stanley, based in Pepper Pike, OH. She has 24 years of industry experience, including 15 years at Merrill and nine years with Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Brian Holmes is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and over 34 years of industry experience. He has been affiliated with Cetera Advisors LLC since 2009 and started a financial services business under the name Holmes and Associates Asset Management in 2008. He is also a licensed insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services across multiple program structures and investment strategies.

Daniel Rayl is a financial advisor with OSAIC, holding a Series 66 designation and bringing 32 years of industry experience. He has previously worked at American Portfolios for 16 years and operates Rayl Financial Services, a sole proprietorship offering tax, accounting, and investment services. Outside of advising, he is a member of Samaritan Ministries, a Christian healthcare organization, and serves as a poll worker and condo association board member in his community. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, and charitable organizations through a large network of affiliated advisers. The firm combines brokerage and advisory services with various investment platforms and uses asset-allocation tools and risk assessments to tailor portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Patrick Limbaugh is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity since 2022, initially serving as an Investment Consultant before assuming his current role in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at One America Securities from 2021 to 2022. In his professional capacity, Patrick focuses on developing holistic financial plans tailored to the specific goals and preferences of his clients. His experience spans various aspects of financial consulting and investment advising. Outside of his professional work, Patrick enjoys activities involving family and friends, as well as skiing and traveling.

David Werner is a financial advisor at OSAIC with 27 years of industry experience. He holds a Series 66 designation and worked for Lincoln Financial Advisors for 19 years prior to joining OSAIC in 2025. Outside of his advisory role, he is active in community service as a committee member of the Ohio chapter of Reel Recovery, assisting men with cancer as a fishing mentor, and serves on the Cathedral of St. John the Evangelist Parish Council. Osaic Wealth, Inc. serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple platforms to construct portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Joseph Panariello is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop financial plans that align their personal goals and needs with their investments. He has been in his current role since 2023. Joseph has been with Fidelity Investments since 2015, progressing through several roles including Investment Consultant from 2022 to 2023, Relationship Manager from 2020 to 2022, and Service Support Group from 2015 to 2020. His experience encompasses client relationship management and investment consulting within the financial services industry.

John Barbish is a financial advisor with Cetera, holding 17 years of industry experience. He has held roles at multiple firms including Cetera Wealth Services, Barbish Financial Group, and West Point Wealth Management. Outside of his advisory work, he co-owns Barbish Gardens, LLC, a family garden business that grows vegetables and sells spices at farmers markets. He is also a candidate for the Ohio House of Representatives. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that provides access to both affiliated and third-party investment strategies.

Rachel Jose is a financial advisor with Morgan Stanley, holding a Series 66 designation and 11 years of industry experience. She has worked at Morgan Stanley and its affiliate private bank since 2019 and previously was employed by Bank of America and Merrill Lynch. Morgan Stanley Wealth Management serves 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 both direct and corporate financial planning solutions.