Karla Stanton is a CFP® and ChFC® with 20 years of experience in financial services. She has worked at OSAIC since 2024 and previously spent 16 years at Sigma Financial Corporation and one year at Thrivent Investment Management. Stanton serves as the Secretary on the board of the Fulton County Pork Producers, a nonprofit supporting fair activities and the Junior Livestock Auction. OSAIC is a large multi-advisor platform serving retail and institutional clients with a range of brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, offering both proprietary and third-party investment strategies across diverse account types.

Ryan Salazar is a financial advisor with LPL Financial in Toledo, Ohio, holding Series 65 and Series 66 licenses and five years of industry experience. Prior to joining LPL Financial, he worked with OsaiC / Royal Alliance Associates, Inc. and Savage and Associates. He also has experience outside finance, having worked at Skyzone Trampoline Park for two years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 financial advisor at OSAIC in Maumee, OH, holding a Series 66 designation. He has approximately one year of industry experience, with prior roles at Compass Group and Kroger. OSAIC serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization. The firm is noted for its scale, complex affiliate network, and recent consolidation activity.

Chase Monaghan is a financial advisor with Fidelity in Perrysburg, OH, holding a Series 66 designation and beginning his career in 2026. Prior to joining Fidelity, he participated in the Handshake AI Fellowship and held various roles at firms including Savage and Associates and FedEx Corporation. He also has experience related to educational institutions and entrepreneurial activities such as Flyer Enterprises. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail, institutional investors, and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios, and holds distinctive roles such as commodity pool operator registration and formal advisory responsibilities for multiple registered funds.

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., holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He has held senior roles at Savage and Associates since 1981 and has managed his own real estate ventures since 2009. In addition to his advisory work, he serves as Senior Vice President and shareholder at Savage and Associates, where he is involved in managing the organization and developing the life insurance business. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services with a model-based investment process that includes portfolio optimization, third-party money manager programs, and multiple custodial arrangements.

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.

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 financial advisor with Osaic Wealth who holds the ChFC® and Series 63 designations and has 40 years of industry experience. His prior career includes roles at Vision Capital Partners, Triad Advisors, Cetera Advisors, and Eagle Strategies. He serves as Vice President of the Crosscreek Woods Homeowners Association in Monclova, Ohio. Osaic Wealth provides brokerage and advisory services to a diverse client base, including individual investors, retirement plans, charities, and corporations. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, offering various managed account programs and third-party manager options across a large multi-advisor platform.

Monica Wisser is a financial advisor with LPL Financial based in Maumee, Ohio, holding a Series 66 credential and one year of industry experience. Prior to joining LPL Financial, she worked at Transamerica Financial Advisors and World Financial Group and has operated Monica Wisser Insurance Agency, LLC since 2016. She serves as a board member for the Rotary Club of Upper Sandusky. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives, serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management programs, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Kelley Gibbons is a financial advisor with MassMutual Investors Services in Toledo, OH, holding a Series 63 designation and 26 years of industry experience. She has been with MassMutual Investors Services and MassMutual Life Insurance Company since 2011. Gibbons also works as an insurance broker focusing on life, disability, long-term care, and fixed annuities. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals—including high-net-worth clients—business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning engagements that include the use of firm-approved analytical software and event-driven planning services.

Clay Symington is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 65 and Series 63 licenses and has five years of industry experience. Prior to joining Raymond James, he worked at Ameritas Advisory Services and several other financial firms. Symington serves as treasurer and board member for Emmanuel Christian School, a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual investors, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public finance activities through a unique affiliation with a municipal advisor.

Todd Bodine is a Series 66-credentialed financial advisor with LPL Financial in Temperance, MI. He began his advisory career in 2026 following a 30-year tenure at General Motors Toledo Transmission Operations. Todd was also briefly retired before joining Aspire Wealth Advisors and LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and participant-level retirement advice, supported by a large network of investment adviser representatives.

Jason Tyo is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He previously worked for UBS Financial Services for 10 years before joining Wells Fargo Advisors in 2026. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Steven Edwards is a financial advisor at Ameriprise with 27 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for The Huntington Investment Company, Natcity Investments, and Morgan Stanley DW Inc. Outside of his advisory work, Edwards serves on the Investment Committee of the National Exchange Club, which focuses on child abuse prevention. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach combines proprietary research and third-party data to provide tailored, tax-aware strategies for clients approaching or in retirement.

James Jackson is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 38 years of industry experience. He has been with Primerica Advisors since 1987 and Primerica Financial Services since 1986. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-driven strategies and a limited selection of separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

John Farr is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charities. The firm manages approximately $1.01 trillion in assets through a network of more than 23,700 advisors and offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Seth Miller is a financial advisor with Edward Jones in Perrysburg, Ohio. He holds the Series 66 designation and has one year of experience in the financial industry. Prior to joining Edward Jones, he worked for The Andersons for 11 years. Outside of his advisory role, Miller owns and operates a livestock business focused on buying, selling, and raising show cattle and swine. Edward Jones serves more than four million individual and institutional clients, offering a range of wealth management services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and maintains a large network of financial advisors and branch offices nationwide.