W Cox is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 36 years of experience to his role. Since joining Merrill in 1986, he has focused on helping individuals and families build and manage wealth for retirement, developing customized strategies to achieve clients’ goals while managing risk. His approach includes regular portfolio reviews to address client needs and adapt to changing market and life circumstances. W Cox holds both a bachelor's degree and a master's degree from Case Western Reserve University and is a Personal Investment Advisor (PIA). He grew up in Chagrin Falls, lived in Shaker Heights for many years, and currently resides in Bratenahl with his wife. They have two grown daughters and one granddaughter. Outside of his professional work, W Cox has interests in baseball, biking, music, reading, running, scuba diving, skiing, spending time with family, traveling, and watching movies.

Timothy Weber is a financial advisor with Morgan Stanley in Westlake, Ohio, holding a Series 66 designation and having 10 years of industry experience. He has been with Morgan Stanley and its Private Bank division 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 supported by firm-approved tools and analyses.

Michael Abfall II is a Certified Financial Planner® (CFP®) with 28 years of industry experience, currently serving at Edward Jones since 2000. He holds a Series 66 license and works out of Avon, Ohio. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and operates a nationwide network of roughly 23,701 financial advisors and 15,121 branch offices, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.

Makis Beach is a financial advisor with Raymond James & Associates, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Bank of America, Merrill, and Miami University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser providing services to individuals, institutional clients, and municipal entities. The firm offers financial planning and investment consulting with a focus on non-discretionary client-driven implementation and draws on a range of portfolio management styles supported by firm research and affiliated sub-advisers.

William Fecht is a financial advisor with Thrivent Investment Management in Westlake, OH, holding a Series 66 designation and 18 years of industry experience. He has been with Thrivent Financial and its investment management division since 2008. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic financial analyses and combines planning with managed-account programs under the WealthPlan billing option, while keeping planning and asset management services separate.

Gregory Chaplin is a CFP® and ChFC® with 14 years of industry experience, currently serving as a financial advisor at Edward Jones since 2011. Prior to his advisory role, he has been involved in healthcare as the owner of a physical therapy practice, though he did not provide patient treatments. He also works as president of an LLC established for commercial property investment. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets with a nationwide network of financial advisors and branch offices.

Raymond Glinka III is a financial advisor at Ameriprise with 11 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2013. Ameriprise offers a retirement-income planning service geared toward individuals with substantial investable assets, combining research, modeling, and tax-efficiency strategies to provide tailored recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Michael Vavruska is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. He has worked at Ameriprise Financial Services, Impact, Provident Trust Group, and KForce Technology. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing clients approaching or in retirement with written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Timothy Ryan is a financial advisor with UBS Financial Services in Rocky River, OH, holding a Series 63 designation and 38 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he is a member of RJS Steamboat LLC, a timeshare ownership group primarily for personal use. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and model-based asset allocations to tailor client plans.

Robert Budny Jr. is an Executive Planning Consultant at Fidelity Investments, where he partners with executives to develop wealth plans centered on their goals and aspirations. He has been with Fidelity Investments since 2011, holding various roles including Financial Representative, Relationship Manager, Investment Consultant, Financial Consultant, Benefits and Planning Consultant, and currently as Executive Planning Consultant. His professional journey includes experience at Wells Fargo Advisors as a Branch Liaison from 2019 to 2021. Robert holds insurance licenses in Arkansas and California, enabling him to provide comprehensive financial planning services. His career reflects a broad range of expertise in financial consulting and planning.

Kevin Herman is a financial advisor with Cambridge Investment Research Advisors, holding 10 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, and Metlife Securities Inc. Outside of his advisory work, Herman has been affiliated with the Cleveland Browns organization since 2015. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services. The firm offers multiple portfolio management options through independent financial professionals, combining proprietary model strategies and access to third-party managers with various custody and platform arrangements.

Katie Sweeney is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank since 2023. Prior to her current role, she gained experience in healthcare and dental practice settings. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management using multi-asset model portfolios and provides integrated advisory, brokerage, and custody services.

Nicholas Vaglia is a Series 66-licensed financial advisor with six years of industry experience. He has worked at Equitable Advisors since 2020 and previously held roles at Mellon Investments Corp., Mellon Capital Management, and BNY Mellon. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers financial planning, retirement consulting, and asset management programs through a network of advisors, utilizing a range of third-party manager platforms and proprietary solutions.

Luis Patten is a financial advisor with Edward Jones in Avon Lake, Ohio, holding the ChFC® designation and Series 66 license. He has 11 years of industry experience and has been with Edward Jones since 2014. Outside of his advisory role, he coaches middle school soccer for grades 6 and 7 at Open Door Christian Schools in Elyria, Ohio. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large network of financial advisors and branch offices across the United States.

Joshua Smith is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, he worked at Enterprise Rent-A-Car and the United States Postal Service. He is the owner of JOS Juice LLC, a business that is currently inactive. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Daniel Harris is a financial advisor with LPL Financial in Vermillion, OH, holding Series 63 and Series 66 designations and 10 years of industry experience. Prior to joining LPL Financial, he held roles at Northwest Investment Services, KeyBank, Citizens Bank, and Allstate Insurance Co. Outside of advising, he is a general partner and business owner of PHD Tactical. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management supported by in-house and third-party research, along with a range of technology-enhanced investment solutions.

Daniel Gaertner Sr. is a financial advisor with UBS Financial Services in Westlake, OH, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with UBS since 2005. He participates in the Retirement Advisor Council, a group focused on trends and best practices in the 401(k) industry. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and asset allocation models.

Brian Seedhouse is a financial advisor at Cetera with 11 years of industry experience. He holds the Series 66 designation and has been with Cetera and its related entities since 2015. Prior to that, he worked at First Federal Savings & Loan Association starting in 2012. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform with options ranging from model portfolios to bespoke strategies.

Patrick Rollins is a financial advisor with Morgan Stanley in Westlake, Ohio, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Rollins manages a rental property in Bedford, Ohio. 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 supported by firm-approved tools and economic modeling.

Michael Douglas is a CFP® professional with 17 years of industry experience. He has been with Cambridge Investment Research Advisors since 2014. Outside of his advisory role, he is an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, employing a range of portfolio management strategies across multiple custodial platforms.