Wendy Greeley is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has worked since 1992. She holds the positions of Senior Vice President and Wealth Management Advisor, providing financial advice and guidance to individuals, families, and business owners. Wendy and her team assist clients who prefer professional support in managing their investments and wealth. Wendy's expertise spans college education planning, family wealth management, legacy planning, retirement income, tax minimization, and managing new wealth among other areas. She is a graduate of the Honors College at Ball State University with a degree in Finance. Additionally, Wendy holds the Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor® designations, along with professional licenses in life and long term care insurance and annuities. She has also passed the FINRA Series 7, 63, and 65 financial certification exams. Living in Ottawa Hills, Ohio, Wendy serves her community as a member of the Ottawa Hills Village Council and the Ottawa Hills Green Bear Ball Steering Committee. She resides there with her husband, Troy, and their two children.

Anthony Krncevic is a financial advisor with Cetera based in Toledo, OH. He holds a Series 66 designation and has 16 years of industry experience, including prior roles at Avantax Advisory Services and Savage & Associates. Outside of his advisory work, he organizes monthly car shows for automobile enthusiasts through Toledo Cars & Coffee and serves as a volunteer member of the finance council at St. Jerome Parish in Cleveland. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform incorporating affiliated and third-party managers across various program structures.

Cheryl Gill is a financial advisor at Ameriprise with 10 years of industry experience and holds a Series 63 designation. Her prior roles include positions at The Huntington National Bank, JP Morgan Chase Bank, Fifth Third Bank, and Citizens Bank. Ameriprise Financial Services is a large diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendations and ongoing retirement-income planning. The firm employs research and algorithmic tools to guide asset allocation and withdrawal strategies within a defined investment framework.

Janice Bertz is a financial advisor with Edward Jones in Toledo, OH, holding a Series 66 designation and 14 years of industry experience. She has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large national network of advisors and branch offices.

Benjamin Wilcox is a financial advisor at Raymond James Financial with 16 years of industry experience. He holds a Series 63 designation and has worked at Ameritas Advisory Services, LLC and other Ameritas affiliates over the past 15 years. Wilcox is also involved with Wilcox Financial and Wilcox Sports Management, which provides financial planning services tailored for sports professionals. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm provides non-discretionary planning and consulting customized to client goals, utilizing analytical tools such as risk profiling and modeling.

Zachariah Penwell is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously managed a chiropractic clinic while also providing nutritional consultations for Metagenics. Prior to his financial advisory role, he worked in healthcare and corporate settings. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a nationwide network of more than 23,700 advisors. The firm offers a range of investment strategies and advisory services under a fiduciary standard.

Austin Stoll is a financial advisor with UBS Financial Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Fifth Third Bank and various positions outside finance, including at Miami University and Donley Concrete Cutting Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Aaron Stark is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2014. He holds the Series 66 designation and is based in Toledo, OH. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and trust services. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Colgan Karcher is a financial advisor with OSAIC based in Toledo, OH. He holds a Series 66 designation and has worked at Osaic Wealth Inc and Platinum Wealth Solutions of Ohio since 2025. Prior to his advisory roles, he held positions in logistics and hospitality. 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, utilizing a model-based investment process and a range of portfolio management options.

Joel Salazar is a financial advisor at LPL Financial in Toledo, OH, holding the Series 66 designation with 26 years of industry experience. His prior experience includes roles at OSAIC, Ameriprise Financial Services, Allstate Financial Advisors, and Thrivent Investment Management. In addition to his advisory work, he owns Salazar Wealth Management, LLC and is involved in offering life insurance, long-term care, disability coverage, and fixed annuities through related business activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm supports a broad range of investment solutions, including model portfolios, third-party asset management, and customized strategies, while leveraging advanced operational and research tools.

David Fraley II is a financial advisor with Morgan Stanley in Toledo, Ohio, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and advanced planning tools to support its services.

Natalie Fox is a Series 66-credentialed financial advisor with Thrivent Investment Management. She has one year of industry experience, including prior roles at PNC Bank and Western Governor's University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and planning on a wide range of financial topics, allowing clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan.

Donald Hess is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at FSC Securities for 22 years. Outside of his advisory role, he has served as a high school soccer and track coach for Oregon City Schools since 1998 and has been a member of the Oregon Board of Education since 1988. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

John Lung is a financial advisor at Ameriprise with 24 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Ameriprise Financial Services since 2009, as well as at Merrill and Wells Fargo Clearing earlier in his career. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Vivian Adkins is a financial advisor with Primerica Advisors in Sylvania, Ohio, holding 12 years of industry experience. She has been with Primerica Advisors since 2014 and has been affiliated with Primerica Financial Services since 2001. Outside of advisory services, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable accounts. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-driven strategies managed by unaffiliated asset managers and supported by third-party custodians.

Michael Clements is a financial advisor with LPL Financial in Toledo, OH, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has held roles at Financial Design Group, Minnesota Life, and Securian Financial Services, with ongoing involvement in non-variable insurance sales. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diverse advisory and brokerage services, including financial planning and model portfolio programs, supported by a broad platform that integrates third-party asset management and institutional solutions.

David Wright is a ChFC®-credentialed financial advisor with 40 years of industry experience. He is currently with LPL Financial and has previously worked at Wright Financial Group, Sound Income Strategies, and Cetera Advisors. He owns Wright Financial Group, LLC, which conducts sales and service of fixed and index annuities as well as life and long-term care insurance. 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 other institutions. The firm offers a range of financial planning and investment management solutions through a large network of investment adviser representatives.

Jeff Guthrie is a financial advisor with Cetera in Dundee, MI, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior roles include positions at The Huntington National Bank and its affiliated investment companies. Cetera Investment Advisers LLC serves a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Barbara Malhoit is a CFP® and ChFC® with 47 years of industry experience. She has been with Ameriprise since 2005, currently serving clients from Holland, OH. Outside of her advisory work, she owns an office suite in Toledo, OH, which is unrelated to investment activities. Ameriprise provides a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm uses a centralized consulting team to deliver non-discretionary, research-driven recommendations that incorporate tax-efficient strategies and adaptive withdrawal planning.

Timothy Perry is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked with PFS Investments Inc. since 2007 and Primerica Financial Services since 2005. Outside of his advisory role, Perry serves at Wyldewood Baptist Church and has held a vice chairman position on a local election campaign finance committee. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited selection of discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, with trading and custody services provided by Pershing and Primerica Brokerage Services.