Jeffrey Kosek is a financial advisor with OSAIC, holding a Series 66 license and 12 years of industry experience. He previously worked at Lincoln Financial Advisors for 12 years before joining OSAIC in 2025. In addition to his advisory role, he is involved in the sale of fixed insurance products and operates The Kosek Organization, LLC, which manages business operational expenses. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory services, and access to third-party managers. The firm employs tools such as asset-allocation modeling and automated rebalancing to manage portfolios that include a variety of investment types on both discretionary and non-discretionary bases.

Charles Brennan is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. Outside of his advisory role, Brennan is involved in managing investment-related activities, serving as a managing member and partner in several entities connected to real estate and recreation. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment modeling techniques while offering diverse retail and institutional investment options.

Peter Carfagna is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2012 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery processes and firm-approved tools.

Kurt Marlow is a CFP® professional with 28 years of industry experience, currently serving at Ameriprise Financial Services. His prior roles include positions at The Huntington Investment Company, LPL Financial, Firstmerit Advisors, Inc., Invest Financial Corporation, and National Planning Corporation. He is involved in his community as a board member overseeing field maintenance for Madison Youth Baseball & Fastpitch Softball and sits on the board of the nonprofit Deepwood Industries. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service which offers tailored retirement-income planning advice based on proprietary research and algorithmic tools.

Lisa Moavero is a financial advisor with UBS Financial Services, holding a Series 66 designation and bringing 19 years of industry experience. She worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for 17 years before joining UBS in 2023. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services supported by proprietary research and a broad platform of capital markets and lending products.

Bryan Fox is a financial advisor at Cetera with six years of industry experience. He holds a Series 66 designation and has worked at firms including ProEquities, Inc., Commonwealth Financial Network, and Harbor Financial Advisors, LLC. Outside of his advisory work, he was involved in fixed insurance sales. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers through a multi-manager platform with a range of program options.

Rickita Owens is a financial advisor with Morgan Stanley in Pepper Pike, Ohio, holding a Series 63 designation and bringing 19 years of industry experience. She has been with Morgan Stanley since 2009 and previously worked at Citigroup Global Markets from 2006 to 2009. Outside of her advisory role, she is a partner at Studio Elevation LLC, a recreation-related business based in Cleveland. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and research to support its financial advisors.

Kyle Steinhauser is a financial advisor at OSAIC with eight years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors Corporation for ten years. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and investment advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across multiple asset classes.

Padma Jambunath is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 13 years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Morgan Stanley. She serves as Treasurer for the Beachwood School Foundation and is a Finance Committee member for Cleveland Moms 4 Moms, both nonprofit organizations. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm offers financial planning and investment consulting with a range of portfolio management styles, municipal advisory services, and an extensive affiliate network.

Karen Springer is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Wells Fargo Advisors since 2009, including prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of her advisory work, she is a notary public in Painesville, Ohio. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, combining advisory services with other financial products through its extensive network.

Jerwon Thomas is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at JP Morgan Chase Bank, PNC Bank, and Ohio University Admissions. He is based in Orange, Ohio. Fidelity’s Strategic Advisers LLC, where he is affiliated, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across various investment vehicles.

Karen Kratz is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Advisors Financial Network since 2021, following seven years at Merrill Lynch, Lynch, Fenner & Smith Incorporated. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and client summary letters.

James Schaffer Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 37 years of industry experience. He has been with OSAIC since 1991 and also worked at Waypoint West, LLC. Outside of his advisory role, he is an insurance agent offering fixed insurance products and maintains rental property ownership in Steamboat Springs, Colorado. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios across various asset classes.

Dennis Barba Jr. is a financial advisor with Wells Fargo Advisors in Beachwood, OH, holding Series 63 and Series 65 credentials and 37 years of industry experience. He has been with Wells Fargo Advisors since 2015. Outside of his advisory role, he is involved in scouting high school basketball players and owns several businesses related to his financial practice and other ventures, including tax preparation and basketball team ownership. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services supported by proprietary research and tools, with flexibility in implementation and multiple integrated financial product options.

Nikolaus Wearsch is a Series 66-licensed financial advisor with Raymond James Financial, based in Mentor, Ohio, and has 22 years of industry experience. He has been with Raymond James Financial Services Advisors since 2009. Outside of advisory work, he holds ownership and leadership roles in several support companies, including Carver Financial Services LLC and W4 Tetons LLC, and is involved in agricultural activities through Mauch Farms. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools, and it maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Tyler Bonar serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he focuses on creating customized financial strategies tailored to his clients' individual goals. Tyler is dedicated to helping busy professionals manage their investments and retirement planning through a proprietary financial modeling process that assesses progress toward achieving desired lifestyles. His areas of expertise include education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and ESG investing, as well as individual and corporate investment strategies and retirement income. Tyler holds a Bachelor's Degree from The Ohio State University and maintains the Personal Investment Advisor (PIA) designation. He is affiliated with Merrill Lynch and actively participates in the Bainbridge Civic Club. Outside of his professional pursuits, Tyler enjoys basketball, golfing, hunting, and spending time with his family. He approaches wealth management as a financial GPS, aiming to guide clients from their current position toward their financial objectives.

Brandon Fritts is a financial advisor at Raymond James Financial with two years of industry experience. He holds the Series 66 designation and previously worked at LPL Financial LLC and Certinia (formerly FinancialForce). He also operates Johnnycake Financial, a non-investment related support company based in Mentor, OH. 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 advisory services supported by analytical tools and notable municipal and SIMPLE IRA advisory programs.

Debora Venzor is a financial advisor at UBS Financial Services with eight years of industry experience. She holds a Series 66 designation and has been with UBS since 2017. Prior to UBS, she worked at The Effective Leadership Academy from 2015 to 2017. 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. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Michael Kozak is a financial advisor with UBS Financial Services in Pepper Pike, OH, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with UBS since 2007. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management, providing access to proprietary research and a broad range of capital markets services.

William Skomrock III is a financial advisor with Ameriprise, holding 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1999. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.