Christopher Pharis is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 32 years of industry experience. He worked at Bank of America, N.A. for 13 years before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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.

Tyler Wyse is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 18 years of industry experience. He has worked with MML Investor Services Inc. since 2007 and with MassMutual Financial Group since 2005. Outside of his advisory role, Wyse owns LLCs involved in financial services and family employment for ancillary office jobs. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved software to analyze client goals and deliver written recommendations.

Reed Geiger is a financial advisor at Thrivent Investment Management with a Series 66 credential and one year of industry experience. Before joining Thrivent, he held various roles across multiple sectors, including education and retail. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers comprehensive, goal-based financial planning without discretionary trading authority, allowing clients to combine planning with managed-account programs under consolidated billing options.

Mark Kruse is a financial advisor with Ameriprise in Toledo, OH, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2011. Outside of his advisory work, he owns a retail business in Toledo. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports through a centralized consulting team.

Nicholas Puhl Jr. is a financial advisor with Edward Jones in Toledo, OH, holding the ChFC® designation and a Series 66 license. He has 10 years of industry experience and has been with Edward Jones since 2015. Outside of his advisory role, he manages a residential rental property. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products through a large network of financial advisors and branch offices nationwide.

Angela Wingerd is a financial advisor at Mass Mutual Investors Services with 31 years of industry experience. She holds the CFP® and ChFC® designations and has been with Mass Mutual Investors Services since 1994. Outside of her advisory role, she is involved with a life and health insurance sales business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Connor Brown is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 63 and Series 65 designations and has prior work experience with the Cincinnati Reds, Toledo Mudhens, Impact Products, Grand Canyon University, and Emmanuel Christian School. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using proprietary tools and market models.

Karla Stanton is a financial advisor at Osaic with 19 years of industry experience. She holds the CFP® and ChFC® designations as well as the Series 66 license. Prior to joining Osaic in 2024, Stanton worked for Sigma Financial Corporation for 16 years. She serves as Secretary on the board of the Fulton County Pork Producers, a nonprofit involved with fair activities and the Junior Livestock Auction. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage, investment advisory services, financial planning, retirement plan consulting, and access to multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across various asset classes, with accounts managed on discretionary or non-discretionary bases.

Ryan Salazar is a financial advisor at LPL Financial with five years of industry experience. He previously worked at OsaiC / Royal Alliance Associates, Inc. and Savage and Associates. Outside of finance, he has experience in the recreational sector through his work with Skyzone Trampoline Park. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from internal and third-party sources.

Sandra Adam is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management, where she works with individuals, families, and business owners to simplify complex financial lives and assist with confident decision-making. She is a senior partner on the Happ Adam Darah Group, which oversees approximately $2.0 billion in client assets as of August 2026 and has been recognized on the Forbes "Best-in-State Wealth Management Teams" list from 2023 to 2026. With a background beginning her career in philanthropy at the American Red Cross and Toledo Museum of Art, Sandra incorporates a holistic approach to wealth management, addressing transitions such as business sales, retirement preparation, family support, and legacy planning. Her expertise includes family wealth management strategies, legacy planning, liquidity management, philanthropic planning, and retirement income. She emphasizes listening, proactive planning, and collaboration with CPAs and attorneys to deliver personalized guidance. Sandra holds a high school diploma from Notre Dame Academy, a bachelor's degree from the University of Toledo, and a master's degree from Heidelberg College. Her professional credentials include CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She serves as Chair of the Ohio Living Corporate Board and is actively involved in the Ohio Living community. Outside of work, Sandra enjoys boating, chess, dancing, golfing, music, reading, running, and spending time with her family.

Cole Roth is a Series 66-credentialed advisor at OSAIC with one year of industry experience. Prior to joining OSAIC and EGR Financial in 2025, he worked at Compass Group for two years and Kroger for three years. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, using firm-provided asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

Deana Furfaro is a Series 66 licensed financial advisor with Ameriprise in Perrysburg, OH, and has three years of industry experience. Her prior work includes a four-year role with the Sylvania Historical Village and two years at CISP. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Mark Smigelski is a financial advisor with OSAIC Wealth, Inc. in Maumee, Ohio, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He has been with OSAIC since 2013 and is also Senior Vice President of Savage & Associates, where he has been involved since 1981. Outside of advisory work, he is engaged in managing and expanding a life insurance business and is involved in the construction of new corporate headquarters for Savage & Associates. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage, investment advisory, and financial planning services. The firm utilizes proprietary asset allocation tools and multiple advisory platforms, providing a range of portfolio management options across various asset classes.

Wanda Newlove is a Series 66-credentialed financial advisor with Edward Jones in Wauseon, OH, and has four years of industry experience. She has been with Edward Jones since 1997. Outside of her advisory practice, she manages rental properties. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non‑high‑net‑worth and high‑net‑worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Jennifer Panczyszyn is a financial advisor with Edward Jones in Toledo, Ohio, holding a Series 63 designation and 20 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Christopher Proctor is a financial advisor with Edward Jones in Maumee, Ohio, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked at Huntington National Bank, Fifth Third Bank, and iHeartMedia. He also has experience with the Toledo Northwestern Ohio Food Bank. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Lindsey Kuebler is a financial advisor with Merrill in Toledo, OH, holding a Series 66 designation and 16 years of industry experience. She has been with Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Ruppel Jr. is a financial advisor with Ameriprise in Toledo, Ohio, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of his advisory role, he serves on the Board of Directors for the Whispering Pines North Sub-Association. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides ongoing retirement income planning advice through a centralized team working with advisors.

Richard Balhoff is a ChFC® with 40 years of experience in the financial industry. He currently serves as President and Owner of Balhoff Wealth Advisors and is affiliated with OSAIC. His prior experience includes roles at Vision Capital Partners and Triad Advisors, Inc. He is also Vice President of the Crosscreek Woods Homeowners Association. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across a variety of investment types, offering both discretionary and non-discretionary management options.

Sara Lucas is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2004, also working at Bank of America since 2022. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.