Daniel Kunos is a financial advisor with Ameriprise in Perrysburg, OH, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 24 years of industry experience, including prior roles at Financial Design Group, Minnesota Life, and Securian Financial Services. He is also the owner of DEK2022, LLC, a legal entity established to support his practice. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Shane Ewbank is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been a team member since 2010. He began his career as a Financial Advisor in 2005 and focuses on developing customized wealth management strategies tailored to his clients’ financial goals. Shane emphasizes building strong client-advisor relationships founded on trust and works closely with clients to implement, monitor, and adjust financial plans over time. He often collaborates with clients’ tax and legal professionals to create tax-efficient strategies that optimize overall financial outcomes. Shane’s areas of expertise include college education planning, corporate retirement plan services, family wealth management strategies, personal retirement planning, and retirement income solutions, among others. His professional designations include Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Certified Plan Fiduciary Advisor (CPFA), reflecting his commitment to ongoing education and industry standards. He holds a bachelor's degree from Bowling Green State University and an associate’s degree from The Ohio State University. Outside of his professional responsibilities, Shane is involved with organizations such as Business Networking International, the American Cancer Society, the Toledo Area Humane Society, and Read for Literacy. He resides in Maumee with his wife, Rachel, and their children, Morgan and Bennett. His personal interests include golfing, hiking, music, swimming, traveling, and spending time with his family.

Ralph Toland III is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at Osaic Wealth, INC since 2023, following a decade at Royal Alliance and over 40 years at Savage & Associates. Outside of his advisory role, Toland serves as chairman of the board for the YMCA and is a board member of the National Museum of the Great Lakes. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services across various programs, emphasizing model-based asset allocation and portfolio optimization.

Collin Brutlag is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has previously worked at Hegde Walker Emans, State Farm, GameStop, and Lourdes University among other roles. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers a variety of advisory programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party solutions.

Cheryl Norman is a financial advisor at Cambridge Investment Research Advisors with 31 years of industry experience. She holds the ChFC® designation and Series 63 license. Her prior experience includes roles at Cetera Wealth Services, Financial Management Strategies, Savage and Associates, and Walnut Street Securities. She is also an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and utilizes multiple platforms and custodians to support both discretionary and non-discretionary management.

Matthew Williams is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at firms including PRUCO Securities, Directions Credit Union, and Cuso Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers advisory and brokerage services through a large network of investment adviser representatives and provides a range of investment programs and institutional platforms.

Matthew Skotynsky is a financial advisor with Raymond James Financial in Perrysburg, OH, holding a Series 63 designation and 27 years of industry experience. He has been with Raymond James Financial and its affiliated entities since 2006. Outside of his advisory role, Skotynsky is involved as owner or president of several local businesses, including a business he leads as president and owner, Rockledge4msko LLC. 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, corporations, and institutional investors. The firm delivers tailored non-discretionary planning and consulting using risk profiling and modeling tools, and supports clients through a broad advisor network and institutional consulting services.

Joel Tschantz is a financial advisor at OSAIC with 33 years of industry experience. He has been with OSAIC since 2013 and has a long-standing affiliation with Savage & Associates dating back to 1984. Outside of his advisory work, he is a 25% owner of Handy Twine Knife Company and is involved in buying and selling sports memorabilia as a hobby. OSAIC Wealth serves a diverse client base, including retail and institutional investors, with a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization, providing various investment programs and third-party manager options.

Stephen Morr is a financial professional at OSAIC with 32 years of industry experience. He holds the Series 63 designation and has worked at OSAIC since 2023, following a decade at Royal Alliance and over three decades at Savage & Associates. Outside of advisory work, Morr is involved in building spec homes for resale, financing construction projects under a building contract. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process utilizes model-based asset allocation and portfolio optimization tools, supporting a range of client strategies through affiliated broker-dealer and RIA relationships.

Mark Smith is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and over 40 years of industry experience. He has worked at OSAIC since 2023 and previously spent 10 years at Royal Alliance. Smith is also the owner of a sole proprietorship focused on the sale of life, health, and disability insurance products. OSAIC Wealth serves a diverse range of clients, including retail investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process with portfolio optimization tools and offers various managed account programs, supported by a complex affiliate network and private-equity ownership.

Bernard Barrow Jr. is a CFP® professional at OSAIC with 21 years of industry experience. He previously worked at Securities America Advisors and PNC Wealth Management and serves as a trustee for the Boys and Girls Clubs of Toledo. He is based in Maumee, OH. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation and portfolio optimization.

Alex Levy is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has worked at multiple firms including Ameritas Investment Corp and Wilcox Financial, and currently serves on the board of the Jewish Federation of Greater Toledo. Cetera Investment Advisers LLC is a large SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering a range of portfolio management, financial planning, and retirement services.

Robert Pietras is a financial advisor at OSAIC with 20 years of industry experience. He holds Series 65, Series 66, and Series 63 credentials. His prior experience includes roles at Royal Alliance, Russel A Karban Financial, Plante Moran Financial Advisors, and Edward Jones. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization, providing advisors with a range of managed strategies and third-party manager options.

Renee Masserant is a financial advisor with Morgan Stanley in Perrysburg, Ohio, holding a Series 66 designation and seven years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2020 and previously at Wells Fargo Clearing and OBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides comprehensive financial planning and advisory services, utilizing firm-approved tools and methodologies to support client financial goals.

Barbara Hafner is a financial advisor with Primerica Advisors in Sylvania, OH, holding a Series 63 designation and 23 years of industry experience. She has worked with Primerica Advisors since 2002 and previously spent 14 years at Practice Management Healthcare Consultants, Inc. Hafner is involved in sales of investment-related products and also receives compensation for part-time referrals of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers for portfolio management.

Lea Skotynsky is a financial advisor with Raymond James Financial, holding Series 66 and Series 63 licenses and possessing 20 years of industry experience. She has been associated with Raymond James Financial Services, Inc. since 2006. Outside of her advisory role, she is the owner of two LLCs involved in rental real estate operations. 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, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, with additional capabilities in municipal advisory work and specialized retirement plan consulting.

Andrew Smigelski is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and six years of industry experience. Before joining OSAIC in 2020, he worked at Skylight Financial Group and Kuhlman Corporation. Outside of his advisory role, he coaches a high school baseball team and serves as Board Chair Elect for Epic Toledo, a nonprofit focused on networking and career development for young professionals. OSAIC Wealth serves retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, portfolio management, and retirement consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, affiliate network, and diverse investment programs.

Joseph Hunyor is a financial advisor with Cambridge Investment Research Advisors in Sylvania, OH. He holds Series 65 and Series 63 licenses and has two years of industry experience. Prior to his current role, he spent 16 years with the City of Maumee Fire Division and worked at &PARTNERS. He is also active as an insurance agent. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management through multiple platforms and maintains proprietary model strategies.

Peter Day is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds a Series 66 designation and has been with UBS since 2013. Outside of his advisory role, he owns and operates Day Distributing LLC, a business involved in importing goods for resale. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Jennifer Todd is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. She has worked at Avantax Advisory Services and Avantax Investment Services Inc. before joining Cetera in 2025. In addition to her advisory role, she serves as a senior tax preparer and office manager at Hawthorne Financial LLC, where she provides tax preparation, planning, bookkeeping, and payroll services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform. The firm manages over $256 billion in assets and operates with a large network of independent advisors nationwide.