Kathleen Pigott is a CFP® professional with 18 years of industry experience. She is currently with LPL Financial and has prior experience at Financial Design Group, Minnesota Life Insurance Company, Securian Financial Services, and Northwestern Mutual Investment Management. In addition to her advisory work, she is involved with Crump Life Insurance in a non-variable insurance capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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 various investment programs and platforms, supported by a large network of advisors and advanced operational tools.

Joel Roth is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has been with LPL Financial since 2019. Outside of his advisory role, he has been involved with Hope Baptist Church since 2010. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory services including financial planning, model portfolios, third‑party asset management, and institutional platforms.

Richard Rudnicki is a financial advisor with Mass Mutual Investors Services in Toledo, OH, holding a Series 63 designation and 30 years of industry experience. He has worked at MassMutual and MML Investors Services since 2013 and previously spent five years with New England Securities. Outside of his advisory role, he is an insurance agent specializing in life, health, and annuity products. 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 provides ongoing financial planning, asset management, and educational programs, focusing on collaborative client relationships and event-driven planning services.

Michael Donahue is a financial advisor with RBC Capital Markets in Toledo, OH, holding Series 63 and Series 65 credentials and with 33 years of industry experience. His prior work includes positions at Merrill, Bank of America, and City National Bank. Outside of his advisory role, he is a limited partner investor in two LLCs focused on real estate investments in Ohio. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management and financial planning, using a combination of in-house and third-party investment managers tailored to client risk profiles.

Kelly Arman is a financial advisor at OSAIC with nine years of industry experience. She holds a Series 66 designation and has worked at Royal Alliance and James Monagan/Jeffrey Turner. Outside of her advisory role, she serves as Vice President of the World Affairs Council of Northwest Ohio, a nonprofit organization. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, portfolio management, and retirement consulting. The firm employs a model-based investment approach emphasizing asset allocation and portfolio optimization supported by various analytical tools and maintains multiple custodial and program arrangements to meet client needs.

Sammy Adkins is a financial advisor with Primerica Advisors in Perrysburg, OH, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Primerica Advisors since 1986 and with Primerica Financial Services since 1983. Outside of advisory services, he also receives compensation for referrals related to home security, automation products, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on model-delivery strategies and separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Shelly Grycza is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley since 2009 and holds the Series 63 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Monica Malhoit is a financial advisor at Morgan Stanley with 46 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019, following an 11-year tenure at UBS Financial Services. Outside of her advisory role, she is a co-owner of a residential rental property in Perrysburg, Ohio. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process relies on structured discovery conversations and firm-approved tools, serving clients through a range of retail and institutional offerings.

Carlos Ruiz is a Series 66-licensed financial advisor with Edward Jones, based in Lambertville, MI. He has two years of industry experience and previously worked for six years at the Zepf Center and seven years at the Lucas County Auditor's Office. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm offers a broad range of advisory strategies and affiliated investment products, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Theresa Dutridge is a financial advisor with LPL Financial, holding a Series 66 license and seven years of industry experience. Her prior roles include positions at OSAIC Wealth, Royal Alliance Associates, Fifth Third Securities, Fifth Third Bank, and Edward Jones. She is also a State of Ohio Notary Public and serves as a supervision and compliance officer for Savage and Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive operational tools and a broad network of investment adviser representatives.

Brenda Kennedy is a Series 66 licensed financial advisor with 12 years of industry experience. She is currently with OSAIC and has previously worked at Asset Dynamics and FSC Securities Corporation. Outside of finance, she assists with bookkeeping and payroll duties at an industrial repair and manufacturing business. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a range of advisory and brokerage services through a multi-advisor platform. The firm employs a model-based investment approach emphasizing asset allocation and portfolio optimization, supported by risk assessments and rebalancing tools.

Patrick Convery is a financial advisor at Ameriprise with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved with A2 Business LLC in a financial advisor capacity. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement planning focused on income sources and tax-aware withdrawal strategies.

Luis Ramirez is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Savage & Associates since 1996. Ramirez also serves as an education and training coordinator, assisting new advisors in personal planning and development. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, supporting a range of strategies and third-party manager selections.

Rabindra Mahabir is a financial advisor with Osaic Wealth, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has worked at Royal Alliance since 2012. Outside of his advisory role, Mahabir is a notary public and has experience marketing and selling life and health insurance products through a limited liability company. Osaic Wealth serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm supports various account types and employs a complex affiliate network to deliver its investment solutions.

Leena Bhojraj is a financial advisor with LPL Financial in Toledo, OH, holding Series 63 and Series 65 licenses and having 19 years of industry experience. Her prior roles include positions at Capital Management Strategies LLC, Cadaret, Grant & Co., Inc., and PNC Wealth Management. She also serves as a wealth advisor for a non-variable insurance business in Toledo. 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 institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Richard Bechtel III is a financial advisor with Cetera and holds Series 63 and Series 65 designations, with 41 years of industry experience. He has worked at Cetera since 2021 and previously at VOYA Financial Advisors for seven years. Bechtel is the owner and president of Bechtel Financial Services, a financial services and insurance business. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Tim Toland is a financial advisor with Cetera, holding the ChFC® designation and Series 63 license, with 42 years of industry experience. He has worked with Cetera since 2018, following a long tenure at Savage & Associates from 1975 to 2018. In addition to his advisory role, he is an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with various discretionary and non-discretionary program options.

Michael Connole is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior work includes roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Connole serves as a FINRA arbitrator and holds board positions with the American Legion Post 211 and the Cleveland Clinic. Mass Mutual Investors Services operates as 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 uses firm-approved software tools and offers structured, annual financial planning engagements tailored to client goals.

Laura Slusher is a financial advisor at Edward Jones with eight years of industry experience. She has been with Edward Jones since 2017 and previously worked at Sinclair Television NBC 24 from 2014 to 2017. Outside of her advisory role, she has done voice work for a video production company, Allied Media, based in Toledo, OH. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies and affiliated investment products, supported by a large network of financial advisors and branch offices nationwide.

James Kennedy Jr. is a financial advisor at LPL Financial with 49 years of industry experience. He holds a Series 63 designation and has worked at Cetera and Vestax Securities Corporation prior to joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers financial planning, wrap and model portfolio programs, third-party asset management access, and institutional platforms, providing a broad range of advisory and brokerage services.