Ryan O Loughlin is a financial advisor at Edward Jones based in Toledo, OH. He holds a Series 66 designation and has been with Edward Jones since 2023. His prior work experience includes positions at various companies across different industries. 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 offers a range of advisory programs and investment strategies through a nationwide network of financial advisors and branch offices.

Matthew Garrow is a financial advisor with OSAIC, holding CFP® and ChFC® designations and possessing 40 years of industry experience. He previously worked at Spc and Sigma Financial Corporation for 16 years each. Outside of his advisory work, Garrow serves on the Morenci Downtown Development Authority Board, the Morenci Kiwanis Club Board, and the Finance Advisory Board at Bowling Green State University, and he is a member of an agricultural LLC managing farming operations. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, employing a range of asset allocation tools and investment platforms that include managed accounts and third-party solutions.

David Walkup is a financial advisor with LPL Financial in Toledo, Ohio, holding a Series 66 designation and six years of industry experience. He has worked previously at Minnesota Life Insurance Co, Securian Financial Services Inc, Edward Jones, and Healthy Interactions. Outside of his advisory role, he is involved with Financial Design Group and FDG Fixed Insurance, offering non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolios, and access to third-party asset management, with advisory solutions that include both discretionary and non-discretionary strategies supported by research and technology tools.

Michael Mahnke is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Ameriprise in various capacities since 2009. Outside of his advisory role, he serves as a high school football, softball, and baseball official. Ameriprise offers a retirement-income planning service targeting clients with at least $1 million in investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Sean Savage is a financial advisor with Osaic Wealth, Inc. He holds the CFP® and ChFC® designations and has 28 years of industry experience. Prior to joining Osaic in 2023, he worked at Royal Alliance for ten years and has been involved with Savage & Associates since 1994. Outside of his advisory work, he serves on the board of directors for St. Johns Jesuit High School & Academy and has co-authored a book titled *Inconceivable*. Osaic Wealth, Inc. serves a diverse range of clients, including individual investors, pension plans, and charitable organizations, through a large network of advisors. The firm offers comprehensive financial planning and investment services, utilizing asset-allocation tools and multiple advisory platforms to manage a broad mix of investment products.

Aaron Webb is a financial advisor at Morgan Stanley in Toledo, OH, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Raymond James Financial Services Advisors, Legacy Financial Inc., and Fusion Financial Group. Outside of finance, he has worked in landscaping and campus dining services. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, providing tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and specialized planning groups.

Jason Repp is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and having 22 years of industry experience. He has been with Cambridge Investment Research since 2015 and previously worked at Creative Financial Partners and Humana. Outside of his advisory role, he is involved in accounting and bookkeeping services through a business called VolleyJackets. 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 plan advisory services. The firm offers a range of investment solutions through multiple platforms and proprietary models, with services tailored by independent Financial Professionals.

John Zechman is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 66 certifications and has previously worked at Voya Financial Advisors and Cetera Wealth Services. Zechman serves on the boards of several nonprofit organizations, including the YMCA and JCC of Greater Toledo, Mercy Outreach Ministries, Luther Home of Mercy Foundation, and the Sylvania Community Rotary Foundation. Cetera Investment Advisers LLC is an SEC-registered firm that provides investment advisory services through a nationwide network of independent advisors. The firm serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers across multiple program structures.

Raymond Sternberg is a financial advisor at OSAIC with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Royal Alliance Associates, Signator Investors, and John Hancock Mutual Life Insurance. Additionally, he is involved in the sale of life insurance through Vantagepointe Financial Group. OSAIC serves a broad range of retail and institutional clients including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with multiple platforms and employs various asset allocation tools and third-party solutions to manage portfolios across a diverse set of investment options.

Judith Wietrzykowski is a financial advisor with UBS Financial Services, holding a Series 63 designation and 42 years of industry experience. She has been with UBS since 1988, totaling 38 years at the firm. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory products, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations in its advisory approach.

Thomas Giovanoli Jr. is a financial advisor with Mass Mutual Investors Services in Toledo, Ohio, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Croak Asset Management, Fidelity Brokerage Services, and MassMutual Life Insurance Company. He also works as an insurance agent, focusing on life, disability, fixed life, long-term care, fixed annuities, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual planning engagements using firm-approved tools and offers specialized programs including divorce planning and employer-sponsored planning.

David Newman is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 26 years of experience in the industry. He has worked at PFS Investments Inc. since 2000 and at Primerica Financial Services since 1993. Newman operates Newman Financial and is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program that utilizes model-delivery strategies developed by unaffiliated asset managers and offers discretionary separately managed account options.

James Fuleky is a financial advisor at Osaic Wealth, Inc. with two years of industry experience. He holds a Series 66 designation and previously worked at Savage and Associates and Lily Ann Cabinets. Outside of his advising role, he operates a personal business as an influencer promoting gym clothing and brands. Osaic Wealth, Inc. serves a diverse client base including individual investors, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and automated portfolio management across various investment products.

David Sattler is a financial advisor with Raymond James Financial in Toledo, OH, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been associated with Raymond James Financial since 2009 and previously worked at Briggs Wealth Planning. Outside of his advisory role, he serves as an agent for non-fixed direct insurance business. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports its clients with advanced analytical tools and specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Daniel Peffley is a financial advisor with Mass Mutual Investors Services in Toledo, OH, holding a Series 63 designation and with 23 years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2002. Outside of advising, he works as a college instructor and serves on a finance department board that collaborates with local businesses and the university to prepare students for the workforce. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, and charitable organizations. The firm provides customized planning using advanced software tools and maintains collaborative, ongoing client relationships.

David Clarke is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 33 years of industry experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company since 1993. In addition to his advisory role, he is involved in life and health insurance sales. MassMutual Investors Services, LLC 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 programs, utilizing firm-approved tools to analyze client goals and provide written recommendations.

Richard Youssef is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and over 41 years of industry experience. He has worked with firms including VOYA Financial Advisors and Northwestern National Life Insurance Company, and he owns Youssef Financial Services, which provides insurance and investment products. He also operates as an independent insurance agent specializing in fixed life insurance and annuities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing multiple program structures and a multi-manager platform with access to both affiliated and third-party managers.

Joseph Hoppenjans is a financial advisor at Osaic Wealth, Inc. with one year of industry experience. He holds a Series 66 designation and has previously worked at Savage and Associates and Croak Wealth Management. Outside of his advising role, he has sold and serviced insurance products. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and employs various portfolio management tools across its large network of affiliated advisors.

Wayne Milewski is a financial advisor with OSAIC who holds over 43 years of industry experience. He has been affiliated with Savage & Associates since 1981 and Royal Alliance since 2013. Outside of his advisory work, Milewski serves on the Institutional Advancement sub-committee for the Board of Trustees at St. John’s Jesuit High School. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services through a large network of financial advisors. The firm employs various tools and third-party solutions to manage portfolios that encompass stocks, bonds, mutual funds, ETFs, and alternative investments.

Abdul Basit is a financial advisor at Tayyib Investments LLC in Toledo, OH, holding a Series 65 designation and entering the industry with no prior financial advisory experience. His work history includes roles at American Higher Education & Development Corporation and Amazon Warehouse Services, among others. Tayyib Investments LLC is an independent, advice-only firm serving individual clients and small businesses with financial planning and portfolio optimization. The firm emphasizes long-term, non-speculative strategies using fundamental, quantitative, and macroeconomic analysis, offering customizable values-aligned screening and a fee structure that includes hourly and fixed flat fees without asset custody or discretionary trading.