Steven Howard is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Royal Alliance. Howard is also involved in offering life and health insurance products through a sole proprietorship. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients, providing brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Nicklas Norvell is a financial advisor with LPL Financial, holding a Series 65 credential and seven years of industry experience. His career includes roles at Sound Income Strategies LLC and CAM Insurance, LLC. Norvell is also involved with Wright Financial Group LLC, where he engages in fixed insurance sales and client acquisition. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Edward Nolette is a financial advisor with Morgan Stanley in Toledo, OH, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Anthony Adamshick is a Senior Financial Advisor with Merrill Lynch Wealth Management. He collaborates closely with clients to review their financial goals and objectives, develop tailored strategies, implement investment plans, and provide ongoing reviews and updates. His approach emphasizes flexibility in response to changing market conditions while leveraging insights from Merrill and solutions from Bank of America. Anthony has been with Merrill since 1989, beginning his career in Toledo, Ohio, after earning a Master of Business Administration in finance from the University of Toledo. He also holds a Bachelor's degree from The Defiance College and maintains the Personal Investment Advisor (PIA) professional designation. His expertise includes managing new wealth, portfolio management services, and retirement income. Prior to his current role, he served as a producing manager with Merrill. Outside of his professional life, Anthony participates in community volunteering aligned with Merrill’s tradition of community involvement. He enjoys an active lifestyle that includes biking, football, golf, hiking, reading, running, skiing, swimming, traveling, and spending time with his family. Married for over 35 years, he has four children.

Christopher Sweeney is a financial advisor with LPL Financial in Toledo, Ohio, holding a Series 63 designation and 36 years of industry experience. He previously worked at Ameriprise Financial Services, SPC, Cetera Advisors LLC, and Vestax Securities Corporation. Outside of his advisory role, he is also a notary and involved with ARC Benefit Solutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and investment management services, utilizing various strategies including model portfolios, third-party subadvisors, and customized approaches.

Scot Brzozka is a financial advisor with Primerica Advisors in Maumee, OH, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His career includes roles at Newman Financial, Block Advisors, PFS Investments, and Primerica Financial Services. Outside of advising, he works as a self-employed bookkeeper and auditor. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

John Harris Jr. is a financial advisor at Ameriprise with four years of industry experience. He holds Series 63 and Series 65 designations and has a background that includes service in the United States Marine Corps and work in retail and home improvement sectors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides tailored recommendation reports and ongoing planning focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Keith Mitchell is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with OSAIC since 2012, following nine years at Signator Investors, Inc. He is also the owner of Premiere Financial Partners, a limited liability company that offers life insurance to clients and prospects. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization, and a multi-advisor platform.

Stephen Milewski is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been with OSAIC since 2013. He also owns and operates Savage & Associates, a sole proprietorship focused on insurance sales and investment services, and serves on the board of Savage McVicker Insurance. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, complex affiliate network, and recent consolidation activity.

Stephen Kennedy is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked for Cetera and Cetera Advisors LLC for over a decade before joining LPL Financial in 2025. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by research and technology tools.

Julianne White is a financial advisor at Morgan Stanley in Toledo, OH, holding a Series 66 designation with 20 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models in its advisory process.

Gary Lesage is a CFP® with 26 years of industry experience, currently serving as a financial advisor at OSAIC since 2013. He has also worked at Savage & Associates since 1998. Lesage is a shareholder and board member of Savage McVicker Insurance and is involved in several business activities including operating GMONEY Holdings, LLC. OSAIC Wealth serves a diverse client base, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by various tools and options for discretionary and advisor-managed strategies.

Mary Eurenius is a financial advisor with Edward Jones in Toledo, OH, holding the Series 66 designation and two years of industry experience. She has been with Edward Jones since 2010, including a recent rejoining in 2025. Outside of her advisory role, she is a consultant for Norwex, engaging with their products on a personal level. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of advisors and branch offices across the country.

Laura Frye is a financial advisor with Raymond James Financial in Toledo, OH, holding Series 65 and Series 63 licenses and nine years of industry experience. Her career includes roles at Mass Mutual Insurance Company, Northwestern Mutual Investment Services LLC, and The Leaders Group. She is involved with Wilcox Financial / Wilcox Sports Management, a non-investment-related support business based in Toledo. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to align with client goals and supports a broad advisor network with specialized municipal and employer advisory programs.

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.

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.