Ryan Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Wells Fargo Clearing since 2022 and previously spent nine years at Bank of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Joseph Clement is a financial advisor at OSAIC with 22 years of industry experience. He holds a Series 66 designation and has previously worked at Securities America Advisors, Inc. and Sterne Agee Financial Services. Clement is also the managing director of JC Financial Services, LLC, where he manages investment-related client accounts. OSAIC serves a diverse range of retail and institutional clients through an extensive network of affiliated advisers, offering brokerage and investment advisory services, financial planning, and managed account solutions. The firm employs asset-allocation tools and risk tolerance analysis to construct diversified portfolios across various asset classes.

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.

Keith Faggionato is a financial advisor with Ameriprise in Perrysburg, Ohio, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns and operates KF2022, LLC. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet certain asset thresholds, offering tailored recommendation reports that incorporate detailed income, Social Security, and tax strategies. As a large institutional firm, Ameriprise delivers a broad array of advisory, brokerage, and insurance solutions through its affiliated companies.

Chandler Fitzgerald is a financial advisor with Osaic Wealth Inc. based in Maumee, Ohio. He holds Series 63 and Series 65 licenses and has three years of industry experience. In addition to his advisory role, Fitzgerald is involved as a media chairman for a local nonprofit and serves as chairman of an African American leadership council. He also assists as a varsity basketball coach and participates on the advisory board and finance committee of a local church. OSAIC Wealth Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and investment advisory services, using asset-allocation tools and multiple platforms to construct portfolios that include a wide range of securities and investment options.

Sarah Jobak is a financial advisor at Morgan Stanley in Toledo, OH, holding a Series 66 credential with 12 years of industry experience. She previously worked at Wells Fargo Clearing and Ameriprise Financial Services, Inc. before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning delivered through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside Global Investment Committee estimates and Monte Carlo simulations to model financial outcomes.

Blake Dunbar is a financial advisor at Fidelity with Series 63 and Series 65 credentials and one year of industry experience. His prior work includes roles at Stirlingshire Investments and Gluckle Insurance and Financial Services, as well as earlier positions spanning construction, services, and academia. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base including retail and institutional investors. The firm employs a systematic investment process that integrates proprietary research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

Kathleen Tollison is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has been with Raymond James since 2009. Outside of her advisory role, she operates an LLC supporting her financial advisory practice and is involved as an agent in fixed annuity business. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset-allocation analysis and firm research to tailor recommendations while maintaining client decision authority.

James Fullerton is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 23 years of industry experience. He has been with Primerica Advisors since 2002 and Primerica Financial Services since 1999. His prior work includes roles at Flower Hospital, Panera Bread, Uber Eats, Pizza Hut, and Kroger. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

John Mayer is a financial advisor with Morgan Stanley in Toledo, OH, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked at Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association 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 employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Katie Hire is a financial advisor with Osaic Wealth, Inc. based in Maumee, Ohio, holding 19 years of industry experience. She has been with Royal Alliance since 2013 and has worked at Savage & Associates since 2006. Outside of her advisory role, she is a partner in Premier Specs LLC, a business involved in property acquisition and new home construction. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes a range of asset allocation tools and supports a variety of account management options, including discretionary and non-discretionary portfolios.

Aaron Biederstedt is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. His prior roles include positions at Lincoln Financial Group and TCP Asset Management, among others. Outside of traditional advisory roles, he is involved with A2O Wealth Management LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and technology solutions.

Rebecca Taylor is a financial advisor at Osaic with 18 years of industry experience. She holds a Series 66 designation and has worked with Osaic Wealth Inc. since 2018, following ten years at Signator Investors Inc. Outside of her advisory work, Taylor serves as Secretary and board member for Anne Grady Services, a nonprofit organization in Toledo, OH. Osaic Wealth, Inc. serves retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to managed account solutions. The firm's investment approach incorporates asset-allocation tools, risk-tolerance assessments, and portfolio construction using a range of asset classes managed on discretionary or non-discretionary bases.

Jack Sweeney is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial, he worked at Fifth Third Bank and has an academic background at The Ohio State University - Fisher College of Business. Outside of his advisory role, Sweeney is involved with Sweeney Wealth Advisors, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers various advisory and brokerage services, featuring both discretionary and non-discretionary management, supported by model portfolios and research from multiple sources.

Susan Brown is a financial advisor at Cetera with 24 years of industry experience. She holds a Series 63 designation and has worked at Cetera and Cetera Wealth Services since 2021, following seven years at Voya Financial Advisors. Outside of her advisory role, she is involved as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, covering various program structures and custodial relationships.

David Bodner is a financial advisor with Mass Mutual Investors Services in Toledo, Ohio, holding a Series 63 designation and 30 years of industry experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Co. since 1998. Outside of his advisory role, he serves as a board member of the Maumee Rotary Service Foundation, where he participates in approving grants for education and literacy programs. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements and provides a range of investment and event-driven planning programs.

Matthew Darah is a Senior Financial Advisor with Merrill Lynch Wealth Management, a position he has held since 2013. In this role, he works with clients to develop plans to achieve their financial goals. His areas of focus include college education planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Before joining Merrill, Matthew worked as a consultant for FactSet Research Systems in Chicago, Illinois, providing solutions to financial professionals. He also gained experience in investment management at Battelle Memorial Institute in Columbus, Ohio while attending The Ohio State University. He graduated Cum Laude with a bachelor's degree, specializing in Finance and minoring in Economics. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Matthew lives in Sylvania, Ohio with his wife, Melanie, and their two sons. He is involved with several organizations in Northwest Ohio, including TutorSmart, and enjoys football, hiking, music, reading, soccer, spending time with his family, and traveling.