Sandra Adam is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management, where she works with individuals, families, and business owners to simplify complex financial lives and assist with confident decision-making. She is a senior partner on the Happ Adam Darah Group, which oversees approximately $2.0 billion in client assets as of August 2026 and has been recognized on the Forbes "Best-in-State Wealth Management Teams" list from 2023 to 2026. With a background beginning her career in philanthropy at the American Red Cross and Toledo Museum of Art, Sandra incorporates a holistic approach to wealth management, addressing transitions such as business sales, retirement preparation, family support, and legacy planning. Her expertise includes family wealth management strategies, legacy planning, liquidity management, philanthropic planning, and retirement income. She emphasizes listening, proactive planning, and collaboration with CPAs and attorneys to deliver personalized guidance. Sandra holds a high school diploma from Notre Dame Academy, a bachelor's degree from the University of Toledo, and a master's degree from Heidelberg College. Her professional credentials include CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She serves as Chair of the Ohio Living Corporate Board and is actively involved in the Ohio Living community. Outside of work, Sandra enjoys boating, chess, dancing, golfing, music, reading, running, and spending time with her family.

Shawn Siddall is a financial advisor with Edward Jones in Monroe, MI, holding Series 63 and Series 66 credentials and having 33 years of industry experience. He has been with Edward Jones since 1991. He serves as a board member and on the finance committee for Roselawn Memorial Cemetery Park in Lasalle, MI. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Jennifer Panczyszyn is a financial advisor with Edward Jones in Toledo, Ohio, holding a Series 63 designation and 20 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Christopher Proctor is a financial advisor with Edward Jones in Maumee, Ohio, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked at Huntington National Bank, Fifth Third Bank, and iHeartMedia. He also has experience with the Toledo Northwestern Ohio Food Bank. 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 services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kyle Schroeder is a financial advisor at Raymond James & Associates with six years of industry experience. He holds the Series 66 designation and has worked at various divisions of Raymond James since 2020. Prior to his advisory career, he was employed at Prospect Airport Services for four years. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting through several programs and provides municipal advisory services alongside a broad range of portfolio management options.

Lindsey Kuebler is a financial advisor with Merrill in Toledo, OH, holding a Series 66 designation and 16 years of industry experience. She has been with Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Ruppel Jr. is a financial advisor with Ameriprise in Toledo, Ohio, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of his advisory role, he serves on the Board of Directors for the Whispering Pines North Sub-Association. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides ongoing retirement income planning advice through a centralized team working with advisors.

Richard Balhoff is a ChFC® with 40 years of experience in the financial industry. He currently serves as President and Owner of Balhoff Wealth Advisors and is affiliated with OSAIC. His prior experience includes roles at Vision Capital Partners and Triad Advisors, Inc. He is also Vice President of the Crosscreek Woods Homeowners Association. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across a variety of investment types, offering both discretionary and non-discretionary management options.

Sara Lucas is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2004, also working at Bank of America since 2022. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Kelley Gibbons is a financial advisor with Mass Mutual Investors Services, holding a Series 63 license and bringing 25 years of industry experience. She has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2011. In addition to her advisory role, she works as an insurance broker specializing in life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap and money-manager programs, and educational seminars.

Clay Symington is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 65 and Series 63 credentials and has five years of industry experience. Clay has worked at several firms, including Ameritas Advisory Services and CUNA Brokerage Services. He serves as treasurer and board member for Emmanuel Christian School, a nonprofit organization in Toledo, Ohio. 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, institutional investors, and charitable organizations. The firm offers tailored, non-discretionary consulting using advanced analytical tools and supports municipal and public finance activities through a rare affiliation with a municipal advisor.

Todd Bodine is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2026. Prior to entering the financial industry, he worked for 30 years at General Motors Toledo Transmission Operations. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by research and model portfolios, providing both discretionary and non-discretionary management services.

Jason Tyo is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He previously worked for UBS Financial Services for 10 years before joining Wells Fargo Advisors in 2026. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

John Farr is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charities. The firm manages approximately $1.01 trillion in assets through a network of more than 23,700 advisors and offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

David Eisenstein is a financial advisor with Ameriprise in Holland, Ohio, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a structured oversight process, offering a broad range of advisory, brokerage, and insurance solutions.

John Shaw Jr. is a financial advisor with LPL Financial in Toledo, Ohio, holding Series 63, 65, and 66 designations and totaling 36 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Barbara Wagoner is a financial advisor with Ameriprise in Sylvania, Ohio, holding a Series 63 designation and 45 years of industry experience. She has been with Ameriprise and its predecessor firms since 1980. Outside of her advisory role, she owns Wilson Rae Properties, an LLC that manages commercial suites in Toledo, Ohio. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research and modeling techniques with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Bradley Roberts is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has worked at LPL Financial since 2022 and has been with Royal Alliance since 2012. Roberts is also a licensed agent involved in selling term life, universal life, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and research from LPL Research, with both discretionary and non-discretionary management options.

Jeffrey Johnson is a CFP® with 34 years of experience in the financial industry, currently serving as an advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years and has operated Kosler Lawn & Landscape since 1988. He has also been affiliated with the University of Toledo for 40 years. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, utilizing a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports.

Kathleen Kawczynski is a financial advisor with MassMutual Investors Services in Toledo, OH, holding a Series 63 designation and 37 years of industry experience. She has been with MassMutual Investors Services and MassMutual Life Insurance Company since 1992. In addition to her advisory role, she is involved in health and life insurance sales. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing, structured financial planning engagements using firm-approved tools and offers various specialized planning programs.