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 Merrill since 2015 and Bank of America, N.A. since 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Gregory Willibey is a financial advisor with Morgan Stanley in Toledo, OH, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at JP Morgan Securities, Citi Group, and CUSO Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by tools such as Secular Return Estimates and Monte Carlo simulations.

Diane St. John is a financial advisor at Robert W. Baird & Co. with 21 years of industry experience. She has worked at Robert W. Baird & Co. since 2020 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services using a combination of in-house and third-party managers, with strategies ranging from traditional equity and fixed-income allocations to more complex approaches.

Erin Jones Briney is a financial advisor at LPL Financial with 17 years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at Capital Management Strategies LLC and Cadaret, Grant & Co., Inc. Her other business activities include work related to non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives, offering a range of advisory programs, financial planning, and brokerage services.

Nicholas Abalos is a financial advisor at Edward Jones in Temperance, MI, holding a Series 66 designation with 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices across the United States.

Emily Davis is a Series 66-credentialed financial advisor at Edward Jones with 19 years of industry experience. She previously worked at Danberry Realtors for four years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a broad range of investment advisory programs and affiliated financial services.

Gary Wise is a financial advisor with Mass Mutual Investors Services in Toledo, Ohio, holding a Series 63 designation and over 35 years of industry experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company since 1990. Outside of his advisory role, he is involved in health insurance sales and owns farm ground rented from the State of Ohio for wildlife conservation. Mass Mutual Investors Services is 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 offers planning through collaborative, annual engagements and a variety of specialized programs, including recent additions like standalone Divorce Planning.

Tyler Mallett is a financial advisor at Edward Jones in Toledo, Ohio, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked in the automotive and banking sectors, including positions at Jim White Honda and Fifth Third Bank. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Matthew Smith is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Cetera, Avantax, and Midland National Life General Agency. Outside of financial services, he serves as an appointed board member overseeing treasury duties for Bowling Green Curling, Inc., manages operations for S&S Restaurants, LLC, and holds a board position with the Robert S. Rogers High School Athletic Hall of Fame. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and multiple portfolio management options.

Stephanie Stahl is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley since 2009 and holds a Series 63 credential. Morgan Stanley Wealth Management offers 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’s approach includes structured discovery conversations and planning tools that incorporate advanced modeling techniques.