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 11 years of experience in the financial industry. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

April Aschemeier is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She has worked at Wells Fargo Advisors from 2013 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. She holds a Series 63 designation and is based in Toledo, Ohio. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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 among its investment offerings.

Joel Salazar is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. His prior roles include positions at OSAIC and Ameriprise Financial Services. Outside of his advisory work, he owns Salazar Wealth Management, LLC, which he established for tax and client marketing purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources.

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.

Robert Hanson is a financial advisor with Wells Fargo Clearing in Toledo, OH, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets through more than 14,000 advisors and offers both brokerage and advisory solutions.

Donald Hess is a financial advisor with OSAIC based in Oregon, Ohio. He holds Series 63 and Series 65 designations and has 33 years of industry experience, including 22 years at Fsc Securities. Outside of his advisory role, he coaches high school soccer and track and serves on the Oregon Board of Education. OSAIC serves a diverse client base of retail and institutional investors through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party management solutions to construct tailored portfolios.

Theresa Miller is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and Edward Jones. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

John Lung is a financial advisor with Ameriprise in Toledo, OH, holding Series 63 and Series 65 credentials and 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers these services through a centralized retirement-income consulting team in partnership with client advisors.

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, holding Series 63 and Series 65 credentials and offering 26 years of industry experience. He has worked at LPL Financial since 2023 and previously was associated with Financial Design Group and Minnesota Life/Securian Financial Services for nearly two decades. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and brokerage services, including both discretionary and non-discretionary management supported by various model portfolios and research.

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.

Richard Bohn is a financial advisor with Raymond James Financial in Toledo, OH, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been associated with Raymond James Financial as well as Lexington Capital Partners, LLC and NWQ Wealth Partners, LLC since 2009. Outside of his advisory role, he is owner of two support companies and works as a non-variable insurance agent on a referral basis. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals, and maintains unique affiliations and programs, including municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Matthew Langham is a financial advisor at Robert Baird & Co. with 22 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Baird in 2024, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2024. Outside of his advisory role, Langham serves as a trustee for the Williamsburg on the River HOA in Bowling Green, OH, where he assists with community maintenance and event planning. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services using a range of traditional and non-traditional investment strategies.

Mark Cole is a Series 66 licensed financial advisor with Robert W. Baird & Co. in Toledo, Ohio. He has 10 years of industry experience, including prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Cole has been with Robert W. Baird since 2020. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers financial planning, portfolio management, and brokerage services, utilizing a combination of manager-traded and model-traded strategies supported by ongoing research and monitoring.

Gregory Mikesell is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. He has worked at Financial Design Group since 2000 and was previously associated with Securian Financial Services and Minnesota Life. Mikesell operates a non-variable insurance business under FDG Fixed Insurance in Toledo, OH. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research.