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.

Valerie D'apolito is a financial advisor with Edward Jones, holding a Series 63 license and bringing 24 years of industry experience. She has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies and affiliated investment products.

Howard Vari is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 45 years of industry experience. He previously worked for Wells Fargo Advisors Financial Network LLC for 10 years before joining LPL Financial in 2019. Vari is also a notary public in Poland, Ohio. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, using a combination of discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Kathleen Brown is a financial advisor at Stifel with 12 years of industry experience. She holds a Series 66 designation and has been with Stifel Nicolaus & Co., Inc. since 2016. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling for asset allocation and financial planning.

Christopher Depaola is a financial advisor with Mass Mutual Investors Services in Boardman, OH, holding CFP® and Series 63 designations, and has 15 years of industry experience. He has worked at MassMutual Life Insurance Company and Mass Mutual Investors Services since 2010. Outside of his advisory role, he is a sales agent with the American Veterinary Medical Association for life, property/casualty, and health insurance. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering collaborative planning engagements using firm-approved analytical tools and a range of investment programs.

Christina Matthews is a financial advisor at Ameriprise Financial Services, holding a Series 66 designation with six years of industry experience. Her prior roles include positions at Ameriprise Financial Services, Inc., and involvement with Dr. Mahar MD Inc. She has also worked in academic settings at The Ohio State University and Youngstown State University. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Sarah Walker is a financial advisor with Ameriprise in Boardman, OH, holding a Series 63 designation and 31 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its advisory approach and delivers recommendations through a centralized consulting team, emphasizing managed accounts and algorithmic support in its planning process.

David Wright is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with LPL Financial since 2010. Wright has business interests including a separate entity, Invest Wright LLC, which is not investment-related. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by model portfolios and research from multiple sources.

Tesha Parker is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously worked at Mariner Finance and OneMain Financial. Outside of her advisory work, she is the owner of TParker LLC, a sales business based in Youngstown, Ohio. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Kelcie Schiraldi is a CFP® and PFS™ credentialed financial advisor with nine years of industry experience. She is currently with LPL Financial and has held prior roles at OSAIC, Sagepoint Financial, Voya Financial Advisors, and Farmers Trust Company. Schiraldi is also involved with Living Stone Wealth Management, a separate business entity focused on tax and investment-related activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs along with retirement plan consulting and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Matthew Dailey is a financial advisor with Cetera, holding a Series 63 designation and 22 years of industry experience. He has been with Cetera since 2006 and is also a part owner of Reed & Reed Associates, Inc., an accounting and income tax services firm where he works as a CPA. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services using a multi-manager platform with discretionary and non-discretionary program options.

Matthew Morgan is a Certified Financial Planner® with 25 years of industry experience, currently serving as an advisor at Stifel since 2009. He is based in Canfield, Ohio, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is involved with local nonprofits, including serving on the Finance and Investment Committee of The Community Foundation of the Mahoning Valley and the Finance Committee of Habitat for Humanity of Mahoning Valley. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Ashley Glabecki is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and seven years of industry experience. She has worked at Equitable Advisors since 2018 and previously at Axa Advisors, LLC. Ashley also coaches basketball for Perry Local Schools. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers, using a hybrid referral and implementation model.