Mark Spieldenner is a financial advisor at Cetera with three years of industry experience. He holds a Series 66 designation and has worked in financial services and fixed insurance, including life, annuities, and long-term care insurance. Prior to joining Cetera, he was associated with Tam-O-Shanter for four years. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services using a multi-manager platform with discretionary and non-discretionary program structures.

Loren Odegaard is a financial advisor with Edward Jones in Perrysburg, OH, holding a Series 63 designation and 24 years of industry experience, all with Edward Jones since 2002. Outside of his advisory role, he is associated with the Ohio Air National Guard. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of discretionary and non-discretionary investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Gary Kauffman is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has nine years of industry experience, including six years at Northwestern Mutual Wealth Management Company. Outside of his advisory role, he owns a consulting firm that reviews contracts for physicians and coaches advisors on building practices in the medical market. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative annual planning engagements using firm-approved analytical tools, with implementation options available through brokerage or insurance arrangements.

Kevin Carmony is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 credential and over 35 years of industry experience. He has been with Cambridge since 2009. Outside of his advisory role, Carmony serves as a swimming and diving official and is a board member and officer of a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, providing both discretionary and non-discretionary strategies across multiple platforms and featuring proprietary and third-party model solutions.

Lisa Vajen is a ChFC®-designated financial advisor with 24 years of industry experience. She is affiliated with Cambridge Investment Research Advisors since 2014 and has been associated with Butler Capital Advisors since 2004. In addition to her advisory work, she operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering a range of portfolio management solutions tailored to client objectives.

Richard Desautels is a financial advisor with Ameriprise in Toledo, OH, holding a Series 63 designation and 41 years of industry experience. He has been with Ameriprise and its predecessor firms since 1985. Outside of advising, he is involved in business ownership related to office maintenance. 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.

Ryan Shackelford is a financial advisor with LPL Enterprise in Perrysburg, Ohio. He holds the Series 66 designation and has two years of industry experience. Prior to joining LPL Enterprise, he worked at Pruco Securities LLC and Cellular Sales. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, advisory services, and access to various brokerage and insurance products through an integrated platform that supports both advisory and brokerage channels.

Michael Short is a financial advisor with LPL Financial who holds the Series 66 designation and has 14 years of industry experience. He previously worked at J.P. Morgan Institutional Investments Inc. and JPMorgan Investment Management Inc. from 2015 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Michael Kuebler is a financial advisor with MassMutual Investors Services in Toledo, OH, holding a Series 63 license and 13 years of industry experience. He previously worked at MetLife before joining MassMutual in 2016. Outside of his advisory role, he has served as an assistant varsity baseball coach at Central Catholic High School since 1992 and as a high school basketball official since 1989. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm uses detailed client data and firm-approved tools to create written financial plans, offering a range of programs including estate settlement and employer-sponsored planning.

Lawrence Nold Jr. is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 31 years of industry experience. He has been with MML Investor Services, Inc. and Massachusetts Mutual Life Insurance Company since 1994. Outside of his advisory role, he serves as treasurer on the board of the St. Michael the Archangel Parish Foundation & St. Michael School Foundation, overseeing and reviewing investment returns. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools to deliver written investment recommendations as part of ongoing planning relationships.

Shawn Burke is a financial advisor at Morgan Stanley with 23 years of industry experience. He has held positions at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Advisors LLC. He holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Kenneth Noaker is a financial advisor with Primerica Advisors in Maumee, OH, holding a Series 63 designation and 38 years of industry experience. He has worked with Primerica Financial Services since 1987 and has been with Primerica Advisors since 1998. Outside of advisory services, he is involved in sales of investment-related products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-based strategies and a limited number of separately managed account options to individual and high-net-worth clients using a tiered wrap-fee structure.

William Davis III is a financial advisor with Morgan Stanley in Perrysburg, Ohio, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he serves as board president of the Carranor Hunt and Polo Club, a private nonprofit foundation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.

David Sluss is a financial advisor with Ameriprise in Adrian, MI, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors and as an elder at Ogden Community Bible Church. Ameriprise offers a retirement-income planning service focused on individuals with significant investable assets, providing detailed recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines algorithmic automation with personalized review to support retirement planning and offers a broad range of advisory, brokerage, and insurance solutions.

Scott Dozier is a financial advisor with J.P. Morgan Securities in Sylvania, OH, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with J.P. Morgan Securities since 2014 and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Ryan Smith is a financial advisor with Wells Fargo Clearing in Toledo, OH, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. His prior experience includes nine years at Bank of America, N.A. before joining Wells Fargo Clearing Services, LLC in 2019. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Michelle Graham is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 25 years of industry experience. Her prior roles include positions at Morgan Stanley and Merrill Lynch, Pierce, Fenner & Smith Incorporated. She is based in Toledo, Ohio. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services from investment policy statement preparation to participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Carey Thistlethwaite is a financial advisor at LPL Financial with eight years of industry experience. He previously worked at Morgan Stanley for seven years and operated CT Financial Partners, LLC for two years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Ian Malhoit is a financial advisor with Ameriprise in Toledo, OH, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he serves on the Board of Directors and as Secretary of the Genacross Lutheran Services Foundation, where he also participates on the finance committee overseeing endowment allocations and scholarship fund activity. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic automation to generate and tailor retirement income recommendations.

Melanie Connelly is a CFP® and holds a Series 66 license with 12 years of industry experience. She has worked at Edward Jones since 2013. 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 solutions through a large nationwide network of financial advisors and branch offices.