William Di Menna is a CFP® with 7 years of industry experience, currently serving as a financial advisor at LPL Financial in Beachwood, OH. His prior experience includes roles at Tyler-Stone Wealth Management, LLC, Insight2Profit, Designer Molecules Inc, Jalenna Capital LLC, and Consolidated Precision Products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services through a large network of advisors, combining advisory and non-advisory financial services across a broad platform.

Lashawna Howard is a financial advisor with Primerica Advisors in Richmond Heights, OH. She holds a Series 63 designation and has eight years of industry experience. Prior to joining Primerica Advisors in 2017, she worked at GOJO Industries for ten years and has been affiliated with Primerica Financial Services since 2006. Outside of advising, she is involved in sales of loan products and home security referrals through affiliates of Primerica. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

David Livingston is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley and Citigroup Global Markets, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he serves as a trustee for a trust based in Sarasota, Florida. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Melissa Halloran is a financial advisor with Wells Fargo Advisors in Beachwood, OH. She holds a Series 63 designation and has 27 years of industry experience, including 11 years with Wells Fargo Advisors. Outside of her advisory role, she provides support staff services for an insurance business in Sarasota, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, using Wells Fargo research and planning tools to develop tailored recommendations.

Matthew Rains is a financial advisor at Charles Schwab with 28 years of industry experience. He has been with Charles Schwab since 1996 and Charles Schwab Bank SSB since 2005. He holds a Series 63 designation. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides a centralized structure for custody and brokerage services.

Natasha Kalas is a CFP® professional with 17 years of experience in the financial services industry. She is currently affiliated with Morgan Stanley and has prior experience at UBS Financial Services and Robert W. Baird. Outside of her advisory role, she is the sole proprietor of two businesses, Carmden Acres LLC, which focuses on technology, and Natasha Krys LTD, associated with recreation activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, leveraging structured discovery conversations and advanced planning tools as part of its investment approach.

Piotr Cyranek is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and seven years of industry experience. Prior to joining J.P. Morgan in 2026, he worked at Bank of America for seven years. He is also the owner of Vino Exclusive Candles LLC and Pete's Lawn Care, small businesses focused on product sales and client services, respectively. 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.

Joseph Bevack is a financial advisor with Morgan Stanley in Pepper Pike, OH, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. He has been with Morgan Stanley entities since 2009, including Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is the sole proprietor and partner of Vacqua, LLC, a retail and online store business based in Highland Heights, Ohio. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and asset management through a structured process supported by firm-approved tools.

Mark Loft is a financial advisor at LPL Financial with 39 years of industry experience. He holds Series 63 and Series 65 designations. His prior firms include UBS Financial Services, Citigroup Global Markets, B. Riley Wealth Management, and B. Riley Wealth Advisors. 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, and institutional platforms, supported by extensive operational and research tools.

Kiara Clark is a financial professional with Cetera who holds a Series 66 designation and has three years of industry experience. She has been affiliated with Cetera and related entities since 2020 and has prior experience in various roles at companies including Curtiss-Wright and Ross Dress for Less. Clark serves as secretary for the Ohio Academic Decathlon, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered adviser that provides portfolio management, financial planning, and retirement services to a broad client base including individuals, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering access to affiliated and third-party managers, with over 10,000 advisors and more than $256 billion in assets under management.

Ryan Rampersaud is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and two years of industry experience. His prior work experience includes roles at KeyBank and Bank of America. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and due diligence on alternative investments.

Joseph Warnke is a financial advisor at UBS Financial Services holding a Series 66 designation. He has been with UBS since 2025 and has prior experience working at Xavier University and in the retail sector. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial plans.

Heather Kono is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. She has worked at Morgan Stanley since 2017 and previously spent four years at UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.

Robert Teren is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on building durable and repeatable wealth management strategies tailored to clients' objectives whether they seek to grow, protect, or generate income from their assets. His approach to wealth management is consultative and objective, emphasizing transparency, communication, and long-term relationships. Robert has over 25 years of experience in the financial industry. Before joining Merrill Lynch in 2007, he spent 15 years in commercial and residential finance. His expertise includes managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He offers clients recommendations on asset allocations that reflect their income and growth expectations, along with discussions on investments, retirement, estate planning services, and tax minimization strategies. Robert holds a Bachelor's Degree from the University of Wisconsin and is a graduate of the London School of Economics. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Robert and his wife, Sofia, are involved in civic and charitable organizations and live with their two children. Robert is also a four-time finisher of The Boston Marathon and an avid triathlete.

Michael Scruggs is a financial advisor at LPL Financial with 20 years of industry experience and a Series 66 designation. He has held roles at multiple firms including Lighthouse Advisers, LLC, IC Advisory Services, Inc., Ameriprise, and A. G. Edwards & Sons, Inc. Since 2020, he has also operated Scruggs Financial as a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services through a broad network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Taylor Chmel is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. Prior to joining Merrill in 2026, Taylor worked at UBS Financial Services from 2016 to 2026. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Licate is a financial advisor with Raymond James & Associates in Beachwood, OH, holding Series 63 and Series 65 licenses with 48 years of industry experience. Prior to joining Raymond James in 2026, he worked for UBS Financial Services Inc. for 18 years. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research resources.

Eric Ziegler is a financial advisor at Edward Jones in Kirtland, Ohio, holding a Series 66 designation with seven years of industry experience. He has worked at Edward Jones since 2018 and concurrently at Quicken Loans since 2011. Outside of his advisory role, Ziegler serves as a Council Member at Large for the City of Kirtland and is an assistant high school football coach for Kirtland Local Schools. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products through a nationwide network of financial advisors and branch offices.

Michael Vary Jr. is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley and its Private Bank since 2016. Outside of his advisory role, he is a sole proprietor in a residential rental property business in Cleveland, Ohio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured planning tools and broad investment resources.

Robert Apple is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at several firms including Raymond James & Associates, B. Riley Wealth Management, and RBC Capital Markets. Outside of his advisory role, he operates Robert A. Apple, LLC, a business entity used for tax and investment purposes. 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 portfolios, third-party asset management, and institutional platforms.