Nicholas Rightnowar is a financial professional with OSAIC, holding a Series 66 designation and 11 years of industry experience. He has been with Savage & Associates since 2014 and is a co-owner of Right Capital LLC. Outside of his advisory work, he produces a financial education podcast through Rightnowar Media Productions. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services along with access to multiple investment platforms and third-party managers. Their advisors utilize firm-provided asset-allocation tools and risk assessments to construct portfolios including a range of securities managed on discretionary or non-discretionary bases.

Michael Wilcox is a financial advisor at Raymond James Financial Services Advisors, Inc. with 37 years of industry experience. He holds a Series 66 designation and previously worked at Ameritas Advisory Services, LLC and several Ameritas affiliated companies. Wilcox is also the CEO of Wilcox Financial and serves as a director on the board of Roppe Holding Company. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting through various advisory and institutional services, emphasizing tailored financial plans and client decision authority.

Tammy Wright Sherman is a financial advisor with Morgan Stanley, holding a Series 66 designation and 29 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and various investment modeling techniques.

Alec Jacob is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 credentials and one year of industry experience. Before joining J.P. Morgan Securities, he worked at Fifth Third Securities LLC and Fifth Third Bank, and earlier held positions outside finance including at Home Depot and Kroger. 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 institutional advisory capabilities with brokerage and investment management functions, delivering services through a non-discretionary program where clients retain final decision-making authority.

Mark Greenblatt is a ChFC® and Series 63 credentialed advisor with 22 years of industry experience, currently with Mass Mutual Investors Services in Toledo, OH. He has worked at MML Investors Services since 2015 and Mass Mutual Life Insurance Company since 2015. Greenblatt serves as a board member of the Autism Model School and as vice president of the Jewish Federation of Greater Toledo, a faith-based nonprofit organization. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships using firm-approved analytical tools and offers specialized planning services including estate and employer-sponsored programs.

Robert Koenigbauer is a financial advisor with LPL Financial in Toledo, Ohio, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He previously worked at Royal Alliance from 2014 to 2026. Koenigbauer serves on the finance committee for Habitat for Humanity of Wood County. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and various research-supported investment strategies.

John Paskowski is a financial advisor with Primerica Advisors in Maumee, Ohio, holding Series 63 and Series 65 licenses and 18 years of industry experience. His work history includes roles at Wood County Educational Services, Renhill Group, and Maumee Bay State Park, alongside ongoing associations with PFS Investments Inc. and Primerica Financial Services. Outside of his advisory work, he serves as a Department of Natural Resources Specialist for the State of Ohio on a seasonal basis. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which uses model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Parker Wall is a financial advisor at Ameriprise Financial Services with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise since 2016. Wall serves on the Board of Directors for Sylvania Area Family Services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning with tailored recommendation reports and ongoing advice.

Eric Morman is a financial advisor with Morgan Stanley in Toledo, OH, holding a Series 63 license and bringing 20 years of industry experience. He has been with Morgan Stanley 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and modeling techniques.

Nizar Merhi is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at Bank of America/Merrill Lynch prior to joining J.P. Morgan. His earlier career includes roles at Finance Bank and operating his own practice. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Charles Ide II is a financial advisor with Morgan Stanley in Toledo, OH, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been associated with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he operates a vintage car business, Astro Hot Rod Shop, in Detroit, MI. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and modeling techniques in its advisory process and offers diverse investment and product options across retail and institutional segments.

Richard Holmes III is a financial advisor with Cetera, holding a Series 63 designation and bringing 25 years of industry experience. His prior roles include positions at Voya Financial Advisors and Savage & Associates. He is also the owner of Holmes Financial Partners and acts as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers.

Betheney Mcintosh is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Bank of America, N.A. since 2017 and Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors. The firm is integrated within Bank of America’s broader platform, providing access to a wide set of products and services.

Matthew Pindoley is a financial advisor at OSAIC with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors and Glass City Federal Credit Union, where he continues to serve as a financial advisor. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm utilizes various asset-allocation tools and supports both discretionary and non-discretionary account management across a range of investment products.

Isaiah Joerin is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Hylant and has a background that includes various roles while attending the University of Toledo and local community positions. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services. The firm manages approximately $1.01 trillion in assets and has a large network of advisors and branches nationwide.

Craig Bruning is a financial advisor with Cetera who holds a Series 63 designation and has 32 years of industry experience. His prior roles include positions with Voya Financial Advisors and Royal Alliance Associates, and he has owned The Bouncee Thing Ltd, a business specializing in inflatable game rentals, since 2010. Bruning also engages in insurance activities, including fixed insurance and health insurance, and provides financial advisory services through Vantage Financial Group-Toledo. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting both discretionary and non-discretionary programs with access to affiliated and third-party managers.

Sathika Peters is a financial advisor at Morgan Stanley with a Series 66 designation and five years of industry experience. Before joining Morgan Stanley in 2025, she worked at Wilcox Financial and held roles at the Toledo Country Club and The University of Toledo. She also co-owned Tropical Grills and Juices for six years. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Justin Lucik is a Financial Consultant at Fidelity Investments, where he partners with clients to develop customized financial plans aimed at addressing their specific needs. He encourages clients to initiate appointments to begin building these tailored strategies and supports them in achieving their financial goals. Justin's experience in the financial services industry includes roles as a Planning Consultant at Fidelity Investments from 2022 to 2024, an Associate Financial Advisor at Ameriprise Financial from 2020 to 2022, and a Client Service Representative at Rose Street Advisors from 2019 to 2020. Outside of his professional work, Justin enjoys outdoor activities such as camping, canoeing, football, hiking, and spending time at the lake.

James Morris is a financial advisor with Primerica Advisors in Maumee, Ohio, holding a Series 63 designation and 15 years of industry experience. His work history includes roles at Promedica Healthcare System and Greater Toledo Urgent, alongside long-term experience with Primerica-related entities since 1998. He is also involved in sales of home security and automation products through Primerica Client Services, Inc. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm offers advisory services through a large network of advisors who utilize model-based investment strategies managed by third-party asset managers.

Joseph Johnson is a financial advisor with Mass Mutual Investors Services in Toledo, OH, holding Series 63 and Series 66 designations and 17 years of industry experience. He has been with Mass Mutual Investors Services since 2008 and also holds a position with Massachusetts Mutual Life Insurance Company. In addition to his advisory role, Johnson is involved in life and health insurance sales. Mass Mutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved tools and educational seminars, with a focus on recommending investment categories and strategies rather than specific products.