Francis Beam III is a CFP® professional with 32 years of experience in the financial services industry. He is currently with OSAIC and has held prior roles at Lincoln Financial Corporation and Lincoln Financial Advisors Corp. In addition to his advisory work, he is involved in the sale of various insurance products including fixed annuities and long-term care insurance. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through an extensive network of advisers and advisory platforms. The firm offers a broad range of integrated financial services, utilizing a variety of investment tools and third-party solutions to construct and manage portfolios across multiple asset classes.

Pierre Boryczewski is a financial advisor with Ameriprise in Westlake, OH, holding a Series 66 designation and 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specified asset criteria, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers these recommendations through a centralized consulting team in partnership with financial advisors.

Conor Tilow is a Securities-licensed financial advisor with UBS Financial Services, based in Pepper Pike, Ohio, and has 11 years of industry experience. He has been with UBS since 2015. Outside of his advisory work, he is involved with the West Side Catholic Center in Cleveland, volunteering to assist those in need. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides a range of services including fee-based financial planning, portfolio management, and capital markets services, employing proprietary research and model-based asset allocations to tailor client strategies.

Mark Potosky is a Senior Financial Advisor and Vice President with The Wadsworth Potosky Purcell Group at Merrill Lynch Wealth Management, based in Chagrin Falls, Ohio. He works closely with clients to develop customized wealth management strategies that align with their individual life goals and financial objectives. Mark's approach involves a disciplined process that utilizes the extensive resources of Merrill and Bank of America platforms to address the comprehensive needs of his clients' financial lives. Mark has been involved in the banking and financial services industry since 1989 and joined Merrill Lynch in April 2015. He holds a Bachelor of Science in Business Administration with majors in Finance and Insurance from Bowling Green State University. His professional credentials include the Chartered Retirement Planning Counselor (CRPC) designation and the Certified Plan Fiduciary Advisor (CPFA) certification, among others. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. A lifelong resident of Northeast Ohio, Mark is engaged in his local community through involvement with Kirtland Football and membership in the Holy Name Society. Outside of his professional work, he enjoys coaching sports and spending time with his wife and children. His personal interests include baseball, basketball, football, golfing, tennis, and watching movies.

Stephen Mrozek is a Series 66-licensed financial advisor with Edward Jones in Willoughby Hills, OH, and has 14 years of industry experience. He has worked with Edward Jones since 2011. Outside of his advisory role, he operates a consulting business assisting small to mid-sized companies with administration, personnel, and operations. Edward Jones is a full-service wealth management firm serving over four million clients, including individual, institutional, and charitable organizations. The firm offers a range of advisory programs and investment options, supported by a large network of advisors and branch offices nationwide.

Brian Petros is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC since 2023. Prior to that, he spent 14 years at Sagepoint Financial, Inc. and has been associated with American General Securities Incorporated since 2003. Outside of his advisor role, he is a partner at PK Financial Group Inc., which provides individual wealth management and retirement plan management services. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, through a large network of advisers and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios, and offers integrated brokerage, financial planning, retirement consulting, and access to third-party money managers.

Gene Fritzsche is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Cetera in 2025, he worked at B. Riley Wealth Advisors and Capital Securities of America. Outside of finance, he owns and oversees two pet containment businesses in Ohio. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, featuring multiple program structures and access to various third-party money managers.

Charles Thomasson is a ChFC® credentialed financial advisor with 35 years of industry experience, currently with Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. for 15 years. He serves on the board of the Western Reserve Chapter of Mayflower Descendants and is involved in starting a charity focused on feeding zoo animals, farm rescue animals, and horses. Additionally, he is an amateur classical guitar player. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Kristopher Sayre is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Michael Moore is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 21 years of industry experience. He has been with J.P. Morgan Securities since 2013. Outside of his advisory role, he works as an account manager and sales representative for Ultimate Steel LLC, a manufacturer of steel products. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Caroline Adams is a Senior Financial Advisor with Williams, Jones & Associates at Merrill Lynch Wealth Management. She joined Merrill in 2021 after working as a Certified Public Accountant (CPA) with a large Montana-based public accounting firm, where she worked in both the Audit and Tax Departments supporting non-profit, government entities, individuals, and businesses. In her current role, she assists clients with a comprehensive range of financial needs. Her expertise includes tax-sensitive investment strategies, business planning, cash-flow analysis, higher-education savings, and wealth transfer. Caroline leverages her public accounting background to collaborate effectively with clients' external tax and legal advisors to ensure steady progress on shared financial initiatives. She focuses on supporting successive generations of client families in developing sound financial habits and pursuing long-term financial independence. Caroline holds dual Bachelor's degrees in Accounting and Finance from Carroll College in Helena. She has earned the designations of Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is involved with the Idaho Women's Charitable Foundation. Caroline and her husband, Cole, live in Boise with their golden retriever, Bo, and enjoy outdoor activities such as hiking, snow skiing, and tennis.

Jason Lukz is a financial advisor with Cetera who holds 15 years of industry experience. Prior to joining Cetera in 2025, he worked at Avantax Insurance Agency, Avantax Advisory Services, and Avantax Investment Services for eight years, as well as at ValMark Advisers and ValMark Securities for three years. He is the owner and sole proprietor of Golden Financial Consulting, LLC, operating under the marketing name NIR. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and features diverse program options including model portfolios, third-party managers, and bespoke strategies.

Jon Shane is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Merrill since 1981, concurrently serving at Bank of America since 2011. Outside of his advisory role, he acts as a trustee for family-related irrevocable insurance and residence trusts. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated with Bank of America’s broader platform.

William Perkins IV is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at OSAIC since 2024, following 14 years at Securities America Advisors, Inc. and other roles dating back to 2005. In addition to his advisory work, he is involved in fixed insurance sales through a separate business. OSAIC serves a diverse client base including individual investors, corporations, and nonprofit organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk tolerance assessments, and managed account solutions across a broad range of investment products.

Susan Paolo is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James in 2023. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and supports municipal clients with public-financing and investment banking capabilities.

Gregory Crissman is Vice President, Wealth Planner at Fidelity Investments. He is responsible for developing, implementing, and monitoring wealth planning strategies for clients and their families. Gregory has over 20 years of experience at Fidelity Investments, having held several roles including Vice President, Financial Consultant; Private Access Relationship Manager; Investor Center Investments Representative; and Customer Service Representative. Prior to joining Fidelity, he worked as a Registered Representative at Vista Financial Group. Outside of his professional responsibilities, Gregory enjoys baseball, family activities, gardening, golf, music, and traveling.

Craig Voorhees is a financial advisor with Equitable Advisors in Burton, OH, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has been with Equitable Advisors since 2011, including the period when the firm operated as AxA Advisors. Outside of his advisory role, Voorhees is a partner and sales coach at CoverLink Insurance and serves as treasurer for the Berkshire Recreation Association. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Steven Berman is a CFP®-designated financial advisor with Wells Fargo Advisors, bringing 30 years of industry experience. He has been with Wells Fargo in various capacities since 2009. Outside of his advisory role, he serves on the finance committee of The Gathering Place, a nonprofit organization in Beachwood, OH, and is a notary public. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition and sports & entertainment planning, supported by proprietary research and planning tools.

Steven Marks is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 66 designations and has worked at OSAIC since 2023. His prior experience includes roles at Sagepoint Financial, Inc. and Cetera Advisor Networks. Marks is also involved in fixed insurance products as an agent. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing asset-allocation tools and multiple advisory platforms.

Darrell Claytor is a financial advisor at Osaic Wealth, Inc. with 43 years of industry experience. He holds the CFP® designation and Series 63 license. Claytor has worked at Osaic since 2024 and has previous experience with Securities America Advisors, Inc. and SECURITIES AMERICA, Inc. He also has experience in income tax preparation and life insurance sales. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides brokerage and advisory services, financial planning, and access to multiple investment platforms, employing asset-allocation tools and third-party solutions to construct portfolios across various asset classes.