Heather Pollack is a Series 63 licensed financial advisor with 33 years of industry experience. She currently works at Osaic Advisory Services, LLC and previously spent significant portions of her career at Lincoln National Life Insurance Company and Lincoln Financial Advisors Corporation. Heather has been with Osaic Advisory Services since 2026. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving a diverse client base including individuals, pension and profit-sharing plans, corporate and charitable entities, and sovereign wealth funds. The firm offers a variety of investment programs and financial planning services, utilizing a range of strategies and partnerships to provide access to alternative investments and retirement solutions.

Matthew Kulla is a financial advisor with Principal Financial Services in Stow, OH, holding a Series 63 designation and six years of industry experience. His prior work includes roles at Northwestern Mutual and Principal Life Insurance Company. Outside of advising, he owns Kulla Industries LLC, a business involved in buying and reselling clothing online. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, charitable organizations, and active-duty military personnel. The firm offers various advisory programs with direct financial planning, retirement consulting, and access to third-party money manager asset allocation and separately managed accounts.

Matthew Ruhl is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 credential and has been with PNC Investments since 2015. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only online discretionary model account available to employees. The firm uses algorithm-driven risk assessment and approved model strategies managed by PNC or third-party strategists.

Gavin Reaser is an advisor at OSAIC Institutions, Inc. with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Portage Community Bank and Infinex Investments, Inc. since 2021. Prior to that, he was employed by Tarkett and UH Portage Medical Center. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating with a hybrid adviser/broker-dealer structure.

Rose Beisner is a financial advisor at Fifth Third Securities, Inc. in Aurora, Ohio, holding Series 63 and Series 65 designations with one year of industry experience. Her prior work includes roles at Fifth Third Bank, as well as positions at Mad Batter Bake Shop, Mission BBQ, and Caterology. Fifth Third Securities, Inc. serves individual and institutional clients through investment advisory and brokerage services, offering programs ranging from advisor-directed mutual fund and ETF models to separately managed accounts and tax-overlay options, supported by the Passageway Managed Account platform.

Deborah Anzelc is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Independent Financial Group, LLC. She is also the owner of Anzelc & Associates, Inc., a CPA practice specializing in tax preparation, accounting, and consulting, which she has operated since 1995. Outside of finance, she is an officer of All 4 One Inc. LLC, which runs the Peninsula Coffee House and Market, and serves as a board member for the Zanes Foundation, Inc. Independent Financial Group provides advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a mix of active and passive investment strategies through multiple platforms and third-party managers, focusing on personalized portfolio management aligned with client risk profiles.

Jason Rodgers is a CFA® charterholder with 27 years of experience in the financial services industry. He is currently with Osaic Advisory Services, LLC and has previously worked at Beacon Financial Group, Lincoln Financial Advisors, Wellington Shields & Co. LLC, and Soleil Securities. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving a diverse client base that includes individuals, pension and profit-sharing plans, corporate and charitable entities, retirement plan participants, and sovereign wealth funds. The firm offers a range of investment solutions such as representative-managed programs, third-party manager and wrap programs, retirement plan consulting, and access to alternative investments and donor-advised funds.

Garret Ferrara is a financial advisor at Janney Montgomery Scott with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 16 years before joining Janney Montgomery Scott in 2025. Janney Montgomery Scott is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plans, charities, and municipal clients, offering brokerage services, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

Michael Karder is a financial advisor at Stratos Wealth Partners, Ltd with 19 years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill, Candlewood Securities, Headwaters Investment Counsel, and LPL Financial. Stratos Wealth Partners, Ltd is an SEC-registered enterprise advisor with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a broad range of clients including individuals, retirement plans, corporations, nonprofits, and institutional investors, using an open-architecture investment approach and offering both discretionary and non-discretionary portfolio management.

Jeffrey Forcina is a financial advisor at PNC Wealth Management with 22 years of industry experience. He holds Series 65 and Series 63 credentials and has worked at PNC Investments and PNC Bank since 2014. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account currently available as an invitation-only pilot for employees. The firm uses algorithm-driven risk assessment and delegates portfolio implementation to third-party strategists, focusing on mutual funds and ETFs with annual rebalancing.

Edward Wilson is a financial advisor at Stratos Wealth Partners, Ltd with 50 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, Citigroup Global Markets, and UBS Financial Services. He is also involved in a home-based settlement consulting business. Stratos Wealth Partners, Ltd is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management, serving individuals, retirement plans, corporations, nonprofits, and other institutional clients. The firm operates an IAR-driven model with an open-architecture investment approach, integrating multiple third-party platforms and managers to provide customized portfolio management and a range of financial planning and outsourced CIO solutions.

Jean Phelps is a financial advisor at Janney Montgomery Scott with 24 years of industry experience. She held a position at UBS Financial Services for 19 years prior to joining Janney Montgomery Scott in 2026. Phelps holds a Series 63 designation. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base that includes individuals, families, trusts, estates, and institutional clients, offering brokerage, financial planning, and advisory services through a combination of in-house and third-party portfolio management.

Janet Bauer is a financial advisor with Osaic Advisory Services, LLC in Aurora, OH, holding 21 years of industry experience. She has previously worked at Lincoln Financial Advisors Corp, Beacon Financial Group, Inc., and Private Client Services. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving a diverse client base, including individuals, retirement plans, corporations, charitable entities, and sovereign wealth funds. The firm offers a wide range of programs and investment strategies, combining fundamental and technical analysis with platform integrations and third-party manager collaborations.

Christopher Uren is a financial advisor at Fifth Third Securities, Inc. with three years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Fifth Third Securities since 2023. His prior experience includes roles at Fifth Third Bank, Citizens Bank, Walmart, and Huntington Bank. Fifth Third Securities serves a diverse client base including individuals, high-net-worth clients, and institutions, offering both investment advisory and brokerage services. The firm provides access to a range of managed account programs through the Passageway platform, supporting various investment strategies from mutual funds to separately managed accounts.

Noel Becker is a financial advisor at Janney Montgomery Scott with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services and KeyBanc Capital Markets. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including high-net-worth individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Jennifer Thorne is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and 27 years of industry experience. Her prior roles include positions at Beacon Financial Group, Cambridge Investment Research Advisors, Wells Fargo Clearing, and Merrill. She is also involved with Armor Mortgage alongside her advisory work. Osaic Advisory Services, LLC is an SEC-registered firm serving a diverse client base that includes individuals, pension plans, corporate and charitable entities, retirement plan participants, and sovereign wealth funds. The firm offers a range of investment programs and solutions, utilizing both fundamental and technical analysis, tactical trading, and access to alternative investments through integrated platform relationships.

Michele Ferrara is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc for 16 years. Janney Montgomery Scott LLC is a large enterprise firm managing approximately $110 billion in client assets. The firm serves a diverse range of clients including individuals, families, trusts, estates, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Stephen Cribley is a CFP® with 23 years of industry experience, currently serving as an advisor at Osaic Advisory Services, LLC. His career includes roles at Lincoln Financial Advisors, Beacon Financial Group, Inc., and Private Client Services, among others. He is based in Aurora, Ohio. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving a diverse client base that includes individuals, pension and profit-sharing plans, corporate and charitable entities, retirement plan participants, and sovereign wealth funds. The firm offers a variety of investment programs and consulting services, employing a mix of fundamental and technical analyses, tactical trading, and access to alternative investments through integrated platform relationships.

Craig Anderson is a financial advisor with Commonwealth Financial Network in Hudson, Ohio. He holds a Series 66 designation and has two years of industry experience. His prior work includes roles at Kingdom Title Company and University Hospitals. Anderson is also co-owner of RCCA Development Group, LLC. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, technology, compliance, and operational support, while offering a range of investment solutions including discretionary model portfolios and personalized indexing options.

James Lupica is a financial advisor with Stratos Wealth Partners, Ltd, holding Series 63 and Series 65 licenses and bringing 52 years of industry experience. He has worked at Stratos Wealth Partners since 2010 and concurrently with LPL Financial since 2008, following an 11-year tenure at Wells Fargo Clearing. Outside of advisory work, he is president of Lupica Enterprises, a company involved in real estate management. Stratos Wealth Partners, Ltd is an SEC-registered enterprise firm with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutional clients through an independent adviser representative model and an open-architecture investment platform integrating multiple third-party managers.