Cheryl Norman is a financial advisor with Cambridge Investment Research Advisors in Maumee, Ohio. She holds the ChFC® designation and Series 63 license and has 30 years of industry experience. She has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2015. In addition to her advisory role, she is an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving 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 through a network of independent professionals, providing tailored strategies across multiple platform arrangements and both proprietary and third-party model solutions.

Matthew Williams is a financial advisor with LPL Financial in Sylvania, OH. He holds Series 63 and Series 65 licenses and has 24 years of industry experience. Prior to joining LPL Financial in 2025, he worked for CUSO Financial Services and Directions Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides various advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Matthew Skotynsky is a financial advisor with Raymond James Financial in Perrysburg, OH, holding a Series 63 designation and over 26 years of industry experience. He has been with Raymond James Financial since 2006. Outside of his advisory role, he is the owner and president of Rockledge4msko LLC. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored advice and a broad range of implementation options.

Joel Tschantz is a financial advisor with OSAIC in Maumee, Ohio, holding a Series 63 license and bringing 32 years of industry experience. He has been with OSAIC since 2013 and has been involved with Savage & Associates since 1984. Outside of his advisory work, he is a 25% owner of the Handy Twine Knife Company and engages in buying and selling sports memorabilia as a hobby. OSAIC serves a broad range of retail and institutional clients through a large network of advisers, offering integrated brokerage and investment advisory services with a variety of portfolio construction tools and access to third-party money managers and wrap programs.

Stephen Morr is a financial professional at OSAIC with 32 years of industry experience. He holds a Series 63 designation and previously worked at Royal Alliance for 10 years and Savage & Associates for over 30 years. Outside of his advisory role, Morr builds spec homes for resale as an owner and financier. OSAIC serves a diverse client base including individual, high-net-worth, and institutional investors through a large network of advisers. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and third-party managers to construct portfolios across various asset classes.

Gregory Durivage is a financial advisor with Thrivent Investment Management, holding Series 66 and Series 63 licenses and possessing 12 years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2014. Outside of his advisory role, he serves as a council member for Zion Lutheran Church in Waterville, Ohio. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, focusing on goal-based planning across various financial topics without discretionary portfolio management. The firm’s approach combines holistic financial analyses with optional managed-account programs, delivered through a network of financial advisors.

Mark Smith is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and possessing 40 years of industry experience. He has worked at OSAIC since 2023 and previously spent 10 years at Royal Alliance. He also owns a sole proprietorship selling life, health, and disability insurance products. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of advisors, utilizing advanced asset-allocation tools and third-party platforms to manage a broad range of investment products.

Bernard Barrow Jr. is a CFP® professional with 20 years of experience in financial advisory services. He is currently with OSAIC and previously worked at Securities America Advisors and Securities America Inc. He also serves as an active trustee for the Boys and Girls Clubs of Toledo. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a network of affiliated advisers and multiple advisory platforms. The firm employs various asset-allocation tools and offers integrated brokerage and advisory services, managed accounts, and access to third-party money managers.

Alex Levy is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has worked at multiple firms including Ameritas Investment Corp and Wilcox Financial, and currently serves on the board of the Jewish Federation of Greater Toledo. Cetera Investment Advisers LLC is a large SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering a range of portfolio management, financial planning, and retirement services.

Robert Pietras is a financial advisor with Osaic Wealth, Inc. He holds Series 65, 66, and 63 licenses and has 20 years of industry experience. His work history includes roles at Royal Alliance and Russel A Karban Financial, Inc. since 2017, and Plante Moran Financial Advisors from 2014 to 2017. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing various asset-allocation tools and investment strategies across multiple asset classes.

Dale Seymour is a financial advisor with Mass Mutual Investors Services in Toledo, OH, holding the ChFC® designation and Series 63 and 65 licenses. He has 43 years of industry experience, having worked at Mass Mutual Investors Services since 1982 and holding leadership in Seagate Benefits Administrators, Inc. since 1981. Seymour serves on the boards of the Skylight Foundation and the Central Catholic High School Foundation, where he is involved in charitable discussions and oversight of scholarship awards. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers with financial planning, asset management, and educational seminars.

Michael Sordyl is a financial advisor with Osaic Wealth, Inc. in Toledo, OH, holding the ChFC® designation and Series 63 and 66 licenses, with 20 years of industry experience. He previously worked at John Hancock/Signator Investors, Inc. for 12 years before joining Osaic in 2018. Outside of advisory work, he serves on the Toledo Opera Endowment Committee, where he reviews monthly investment statements for the endowment. Osaic Wealth, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering brokerage and advisory services through a large network of advisers. The firm employs asset-allocation tools and various investment strategies across multiple asset classes, supporting both discretionary and non-discretionary account management and providing access to third-party money managers and managed-account solutions.

Renee Masserant is a financial advisor with Morgan Stanley in Perrysburg, Ohio, holding a Series 66 designation and seven years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2020 and previously at Wells Fargo Clearing and OBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides comprehensive financial planning and advisory services, utilizing firm-approved tools and methodologies to support client financial goals.

Michael Buganski is a financial advisor with Mass Mutual Investors Services in Toledo, OH, holding 24 years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2012. Outside of his advisory role, Buganski is involved in individual life and health sales. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures planning engagements as annual collaborative relationships using firm-approved tools to analyze goals and deliver written recommendations.

Robert Meeker Jr. is a ChFC®-designated financial advisor with Edward Jones in Sylvania, OH, and has 50 years of industry experience. He has been with Edward Jones since 2012. Meeker serves on the Episcopal Diocese of Ohio in an auditing capacity. Edward Jones is a full-service wealth management firm serving over four million 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 and is notable for its extensive advisor and branch network as well as affiliated financial services.

Barbara Hafner is a financial advisor with Primerica Advisors in Sylvania, OH, holding a Series 63 designation and 23 years of industry experience. She has worked with Primerica Advisors since 2002 and previously spent 14 years at Practice Management Healthcare Consultants, Inc. Hafner is involved in sales of investment-related products and also receives compensation for part-time referrals of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily to individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers for portfolio management.

Lea Skotynsky is a financial advisor at Raymond James Financial with 20 years of industry experience. She holds Series 66 and Series 63 designations and has worked with Raymond James Financial Services, Inc. since 2006. Outside of her advisory role, she is involved in managing rental real estate properties through ownership of LLCs. Raymond James Financial Services Advisors provide financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, typically non-discretionary advisory services that incorporate risk-based planning reviews and has a notable focus on municipal and public finance through affiliated departments and specialized programs.

Andrew Smigelski is a financial professional with OSAIC, holding Series 63 and Series 65 licenses and five years of industry experience. He has previously worked at Savage and Associates, Skylight Financial Group, and Kuhlman Corporation. Outside of his advisory role, Smigelski coaches a high school baseball team and serves as board member and chair elect for Epic Toledo, a nonprofit focused on networking and career development for young professionals. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and various portfolio management strategies, supporting both discretionary and non-discretionary accounts.

Joseph Hunyor is a financial advisor at Cambridge Investment Research Advisors with two years of industry experience. Prior to joining the firm, he worked for &PARTNERS and served in the City of Maumee Fire Division for 16 years. He is also licensed as an insurance agent through Caputo Associated and Incorporated. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals using a variety of portfolio management strategies and platform arrangements.

Peter Day is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds a Series 66 designation and has been with UBS since 2013. Outside of his advisory role, he owns and operates Day Distributing LLC, a business involved in importing goods for resale. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.