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.

David Downing is a financial advisor with Osaic Wealth, Inc. holding a Series 66 designation and 24 years of industry experience. He previously worked at Lincoln Financial Advisors and Lincoln Financial Corporation for a combined total of 24 years before joining Osaic in 2025. Outside of his advisory role, he acts as a life insurance broker and agent, offering life, disability, long-term care insurance, and fixed and indexed annuities to clients. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset allocation tools, risk-tolerance assessments, and access to third-party managers to construct portfolios across various asset classes.

Kristen Mignogna is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. She previously worked at Tyler-Stone Wealth Management and has provided tax preparation services through Hupp Tax Service since 2016. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives and extensive operational resources.

Daryl Martin is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at several firms including Fidelity Investments, Bank of America, and E*TRADE. Outside of his advisory role, Martin owns DKM Capital LLC, a business focused on purchasing, renovating, and reselling physical real estate. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions.

Thomas Massey is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He worked at UBS Financial Services Inc. for 18 years prior to joining Raymond James in 2026. Massey serves as a board member and advisory trustee for the Geauga County YMCA and participates on the Board of Directors for the Academy of Certified Portfolio Managers, assisting candidates pursuing the Certified Portfolio Manager credential. Raymond James & Associates is a large broker-dealer and registered investment adviser managing roughly $501 billion in assets, serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and consulting services with a variety of portfolio management styles and municipal advisory services, supported by an extensive affiliate network.

Kenneth Washington is a financial advisor at Primerica Advisors with 12 years of industry experience. He has worked at Primerica since 2013 and previously spent 27 years at Ferro Corporation. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Kristie Kwiatkowski is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 21 years before joining Morgan Stanley. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach uses structured discovery conversations and firm-approved tools without providing individual security recommendations as part of standalone plans.

Brian Lafata is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has worked with Key Investment Services, LLC and Key Bank prior to joining Cetera. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and advisory services through a multi-manager platform with access to affiliated and third-party managers.

Drew Adler is a financial advisor at OSAIC with 32 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Lincoln Financial Advisors for 24 years. Additionally, he is an agent offering fixed insurance products, including fixed annuities, long-term care, and traditional life insurance. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, employing a range of portfolio construction tools and offering discretionary and non-discretionary account management.

Karen Suttman is a Series 66-licensed financial advisor with Thrivent Investment Management, where she has worked since 2008, accumulating 18 years of industry experience. She serves on the board of the Harriet Tubman Movement, a nonprofit focused on helping sex trafficking victims find safe homes and rehabilitation. Additionally, she is a board member of Seven Brothers Distilling Company, a locally owned artisan distillery in Cleveland, Ohio. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based, holistic analyses that cover a broad range of financial planning topics. The firm allows clients to combine planning with managed-account services through its WealthPlan offering while maintaining separate planning engagements.

Mark Baniewicz is a CFP®-designated financial advisor with Cetera, based in Concord, Ohio, and has four years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services. In addition to his advisory role, he is a tax manager at Zappitelli Financial Services, where he provides tax and accounting services to both individual and corporate clients. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement various portfolio management strategies, combining discretionary and non-discretionary approaches under multiple program structures.

Jack Butler is a financial advisor at LPL Financial with 26 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at firms including OSAIC, SagePoint Financial, American Portfolios Advisors, Inc., and Vestax Securities Corporation. Outside of his advisory role, Butler serves as an of counsel attorney focused on estate planning and is a board member of a nonprofit organization. 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 investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies supported by technology tools.

Patrick Armstrong is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His career includes multiple terms at LPL Financial totaling 12 years and 16 years at Westminster Financial Securities, Inc. He is also a public notary in the state of Ohio. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and institutional platforms, with support from advanced research tools and a broad network of over 22,800 advisors.

Scot Sinkler is a financial advisor with Stifel, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Stifel in various capacities since 2009. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis from its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.

Jason Yuhas is a financial advisor with LPL Financial, holding 25 years of industry experience. He previously worked at SII Investments, Inc. and operated TA-Check Financial, an independent investment advisory firm. Outside of his advisory work, he is involved in tax preparation and accounting through multiple related businesses. 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 including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kellyn Ingraham is a Wealth Management Senior Relationship Manager at Fidelity Investments. In this role, Kellyn serves as the primary contact for Fidelity's most sophisticated investors and their families, focusing on building and maintaining long-term relationships by understanding each client's unique preferences and providing personalized service and support for their financial needs. Kellyn has been with Fidelity Investments since 2014, progressing through various roles including Financial Representative, Relationship Manager, Wealth Management Planning Consultant, and Advanced Planning Analyst before assuming the current position in 2025. This experience reflects a comprehensive background in wealth management and client relationship development.