Joseph Licate is a financial advisor at Raymond James & Associates with 48 years of industry experience. He previously worked for UBS Financial Services Inc. for 18 years. He holds Series 63 and Series 65 credentials. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, pension plans, corporations, and government entities. The firm offers wealth advisory planning and investment consulting through non-discretionary strategies, supported by extensive research and a range of affiliate capabilities including municipal finance services.

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 at LPL Financial with 36 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Raymond James & Associates from 2014 to 2020. Outside of his advisory role, he is associated with Robert A. Apple, LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to research, model portfolios, and various investment strategies.

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 has provided investment advisory services through Tyler-Stone Wealth Management and has maintained involvement with Hupp Tax Service as a tax preparer since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement consulting, with both discretionary and non-discretionary management options.

Daryl Martin is a financial advisor at Merrill with 11 years of industry experience and holds the Series 66 designation. His prior roles include positions at Fidelity Investments, Bank of America, E*TRADE, and JP Morgan. Outside of his advisory work, he owns DKM Capital LLC, a business involved in purchasing, renovating, and reselling real estate. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Thomas Massey is a financial advisor at Raymond James & Associates with 39 years of industry experience. He previously worked at UBS Financial Services Inc. for 18 years. Massey serves as a board member and advisory trustee with the Geauga County YMCA and is involved with the Academy of Certified Portfolio Managers, where he serves on the board of directors and supports credential candidates through tutoring and oversight. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 advisors. The firm provides wealth planning and investment consulting, serving a diverse client base that includes individuals, institutional clients, and government entities, and offers integrated investment and public finance services.

Richard Lucas is a CFP® with 29 years of industry experience, currently serving at J.P. Morgan Securities since 2012. He has also worked with JPMORGAN Chase Bank, N.A. since 2006 and was involved with Space Dog Properties, LLC from 2005 to 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

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.

Michael Foliano is a Senior Financial Advisor at Merrill Lynch Wealth Management. He supports clients by creating wealth management strategies that adapt to changing market conditions and align with clients' priorities. His approach includes leveraging investment insights from Merrill and banking and lending solutions from Bank of America. Michael’s professional expertise covers a range of areas including college education planning, divorce transition planning, family wealth management strategies, employee financial health, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation, as well as credentials as a Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). He earned a high school diploma from Solon and a bachelor’s degree from Kent State University.

Jennifer Lindsey is a financial advisor at Merrill with Series 66 and Series 63 credentials and four years of industry experience. She previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2021 to 2025. Outside of her advisory roles, she has been involved with Revolution Dog and JandJ10 LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors.

Drew Adler is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors for 24 years. He is also an insurance agent offering fixed insurance products including fixed annuities, long-term care, and traditional life insurance through Aspen Court Financial. OSAIC serves a broad mix of retail and institutional clients, providing brokerage and investment advisory services, financial planning, and retirement consulting through a large network of advisers. The firm employs asset-allocation tools, risk tolerance assessments, and automated rebalancing to manage diverse portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Alexandria Hodge is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 63 and Series 66 licenses. Her work history includes multiple roles within J.P. Morgan entities since 2021, as well as prior experience at Mgo Inc. and Kent State University. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jack Butler is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SagePoint Financial for 12 years. Outside of advising, he serves as an attorney of counsel focusing on estate planning, is president of a fixed insurance product business, and is a board member of a nonprofit organization. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charities, offering integrated brokerage and advisory services with a focus on diversified portfolios constructed using firm-provided asset-allocation tools and third-party managed account solutions.

Jameson Smith is a Financial Advisor at Merrill Lynch Wealth Management, focusing on building long-term relationships with clients that extend beyond transactional financial advice. He assists retirees, executives, business owners, and young families in navigating important financial decisions related to retirement planning, estate planning, wealth management, and long-term financial security. His approach centers on understanding individual goals, values, and concerns to help clients move closer to achieving what matters most to them. Before joining Merrill Lynch, Jameson spent years in business development working alongside Fortune 500 companies and served 14 years in the military. These experiences contribute to the discipline, integrity, and service-minded approach he brings to his client relationships. He holds a Bachelor's Degree from Kent State University and carries a Personal Investment Advisor (PIA) designation. His memberships include the American Legion and VFW. Jameson is actively involved in his community, supporting organizations such as the Greater Cleveland Food Bank, Habitat for Restore, and Ronald McDonald House. He is also engaged in his church community. Outside of work, he enjoys adventure sports, basketball, cooking, gardening, reading, and spending time with his family, and he is a proud father of two children.

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 at LPL Financial with 25 years of industry experience. He has worked at LPL Financial and TA-Check Financial since 2018 and previously spent 11 years with SII Investments, Inc. In addition to his advisory role, he is involved in tax preparation and accounting through TA-CHECK Tax Service, which he has operated since 2000. 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 investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

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.