Cheryl Norman is a financial advisor with Cambridge Investment Research Advisors in Maumee, OH. She holds the ChFC® designation and Series 63 license, with 31 years of industry experience. She has been with Cambridge Investment Research Advisors since 2015. In addition to her advisory role, she works as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, providing both discretionary and non-discretionary portfolio strategies across multiple platforms.

Matthew Williams is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at firms including PRUCO Securities, Directions Credit Union, and Cuso Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers advisory and brokerage services through a large network of investment adviser representatives and provides a range of investment programs and institutional platforms.

Matthew Skotynsky is a financial advisor with Raymond James Financial in Perrysburg, OH, holding a Series 63 designation and 27 years of industry experience. He has been with Raymond James Financial and its affiliated entities since 2006. Outside of his advisory role, Skotynsky is involved as owner or president of several local businesses, including a business he leads as president and owner, Rockledge4msko LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm delivers tailored non-discretionary planning and consulting using risk profiling and modeling tools, and supports clients through a broad advisor network and institutional consulting services.

Joel Tschantz is a financial advisor with Osaic, holding a Series 63 designation and over 33 years of industry experience. He has been with Osaic since 2013 and has worked at Savage & Associates since 1984. Outside of finance, he is a 25% owner of a knife manufacturing company and engages in buying and selling sports memorabilia as a hobby. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to multiple investment platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

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 over 21 years of experience in the financial services industry. He currently works with OSAIC since 2024 and previously held roles at Securities America Advisors, PNC Wealth Management, and UBS Financial Services. He serves as an active trustee of the Boys and Girls Clubs of Toledo, a nonprofit position he has held since 2005. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of affiliated advisors. The firm offers a range of brokerage and investment advisory services, employing various asset allocation tools and third-party platforms to create portfolios with stocks, bonds, mutual funds, ETFs, and alternative investments.

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.

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 with Raymond James Financial and holds Series 66 and Series 63 licenses. She has 20 years of industry experience, primarily with Raymond James Financial Services, Inc. Aside from her advisory role, she is involved in managing rental real estate properties through ownership of two LLCs in Perrysburg, Ohio. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored planning and analytical tools to support client goals and offers specialized advisory programs alongside institutional consulting and portfolio management.

Andrew Smigelski is a financial advisor at OSAIC with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Skylight Financial Group and Kuhlman Corporation. Outside of his advisory role, Smigelski serves as a high school baseball coach and is a board member and chair elect for Epic Toledo, a nonprofit focused on young professionals’ networking and career development. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that include a variety of investment types and supports both discretionary and non-discretionary account management.

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.

Jennifer Todd is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. She has worked at Avantax Advisory Services and Avantax Investment Services Inc. before joining Cetera in 2025. In addition to her advisory role, she serves as a senior tax preparer and office manager at Hawthorne Financial LLC, where she provides tax preparation, planning, bookkeeping, and payroll services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform. The firm manages over $256 billion in assets and operates with a large network of independent advisors nationwide.