Michael Krarup is a financial advisor with Ameriprise who holds Series 63 and Series 66 credentials and has 29 years of industry experience. He has been with Ameriprise and its affiliates since 1996. Outside of his advisory role, he is involved in professional management through ownership of Professional Management Group and is a member and investor in RKM Partners LLC. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware strategies.

John Fahey is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 66 licenses and with 12 years of industry experience. His prior roles include positions at Eagle Strategies LLC and New York Life Insurance Company. He also operates Fahey Financial Strategies LLC, which sells New York Life products and brokers non-registered insurance products. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and institutional clients. The firm uses model-driven investment implementation and offers access to third-party asset managers, with a notable involvement in non-securities products and affiliated insurance and trust services.

William Miner is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been active in the financial services industry since 1999 and joined Merrill Lynch in 2007. William serves a diverse clientele focusing on areas such as education planning, family wealth management, institutional investment consulting, retirement income, and small business strategies. He holds multiple professional designations including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). William earned both a Bachelor's Degree, magna cum laude, and a Master of Business Administration from Youngstown State University. Throughout his career, he has received recognition including being named to Forbes' "Best-in-State Wealth Advisors" list multiple times between 2018 and 2026, as well as Forbes/SHOOK's "America's Top Next-Generation Wealth Advisors" list in 2017 and 2018. He is also a member of the Miner Wealth Management Team, which was named to Forbes' "Best-in-State Wealth Management Teams" list in 2025 and 2026. Born and raised in Mahoning County, William resides in Lowellville with his wife Melissa and their three children. Outside of work, he coaches his children in sporting activities and enjoys baseball, basketball, billiards, camping, chess, cooking, football, golfing, spending time with family, and traveling. William actively participates in community organizations including United Way, Northeast Ohio Adoption Services (where he serves as a board member), Rotary, and the American Heart Association.

Merrill Whippo Jr. is a financial advisor at Ameriprise with Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at The Huntington Investment Company, The Huntington National Bank, and J.P. Morgan Securities. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that delivers written recommendation reports and annual retirement income planning advice focused on income sources and tax-aware withdrawal strategies.

Clyde Tommelleo is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Woodbury Financial Services, Inc. from 2007 to 2009. In addition to his advisory role, he is involved in a fixed insurance business, Tommelleo & Associates. 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 financial planning and investment management solutions through a large network of advisors and utilizes various model portfolios and third-party subadvisors.

Callie Lucich is a financial advisor with Ameriprise in Poland, Ohio, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, she worked at BNY Mellon for four years. She is also an associate financial advisor with Integrated Professional Partners, LLC, where she manages an advisory business. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. As a large institutional firm, it also delivers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Joseph Thomas Jr. is a financial advisor with Osaic Wealth, Inc., holding a Series 66 credential and bringing 24 years of industry experience. His career includes roles at Securities America, Sterne Agee, and Diversified Advisors. Outside of advising, he serves as Board President for a social services organization and has been involved in local civic and builder associations. Osaic Wealth, Inc. serves a diverse range of clients, including individuals, institutions, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and various investment platforms. The firm employs asset-allocation tools, risk assessment, and automated rebalancing to construct diversified portfolios across multiple asset classes.

Owen Rimel is a financial advisor with Ameriprise in Darlington, PA, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise, he worked at The Huntington Investment Company and other financial institutions. Outside of his advisory work, Rimel owns and operates a small working farm and serves as an assistant coach for a local school district. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides clients with tailored retirement-income planning and tax-aware withdrawal strategies.

James Aeppli is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2022. His broader career includes over 20 years at JPMorgan Chase Bank, N.A. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations. The firm delivers services on a non-discretionary basis, with clients retaining final decision-making authority.

Scott Viano is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with JPMorgan Securities LLC since 2012. 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. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity-related registrations, delivering recommendations on a non-discretionary basis.

Emily Ciavarella is a financial advisor with LPL Enterprise, holding a Series 66 designation and two years of industry experience. Her prior work includes positions at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of advising, she serves as an independent Medicare insurance agent through Neishloss and Fleming LLC. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with services that include financial planning, access to third-party asset managers, and participation in the Model Wealth Portfolios wrap program.

Damion Barrett Jr. is a financial advisor with Ameriprise in Ellwood City, PA. He holds a Series 66 designation and has two years of industry experience. His prior work includes roles at Kent State University, Marshall's, and Butler County Community College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Sarah Bury is a financial advisor at LPL Financial with a Series 66 credential and three years of industry experience. Her prior roles include positions at OSAIC, SagePoint Financial, and The Ohio State University. Bury also operates Bury Financial Group as a DBA for her 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, including financial planning, model portfolio programs, and institutional platforms.

Anthony Ricciardi is a financial advisor at OSAIC with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley Private Bank, Morgan Stanley Smith Barney, American Portfolios Financial Services, AXA Advisors, and Mass Mutual. Outside of finance, he has experience with the Poland Swim Club and Avalon Athletic Center. OSAIC serves a broad range of retail and institutional clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers, using asset-allocation tools and automated rebalancing to construct diversified portfolios.

Joshua Barr is a financial advisor at MassMutual Investors Services with Series 66 credentials and two years of industry experience. His prior work includes roles at MassMutual Life Insurance Company and MML Investors Services LLC. Outside of financial services, he has experience working with a paving company and at a golf club. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools, along with programs such as wrap accounts and educational seminars.

Mark Handel is a financial advisor at Ameriprise with seven years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services since 2018 and previously held roles at Buckeye Real Estate and The Ohio State University. Outside of his advisory work, he owns and manages E18B23M22, LLC, a business involved in hiring, payroll, and vendor management. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Francis Magno is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Cetera Investment Advisors LLC and Cetera Investment Services LLC since 2014 and also has a long tenure at First National Bank of PA since 2002. Magno serves as a board member of the Enon Valley Rod and Gun Club, a nonprofit sportsman club. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options, supported by a large nationwide network of advisors.

Amber Richards is a financial advisor with Cetera who holds 15 years of industry experience. She has been with Cetera and its related entities since 2012. Outside of her advisory role, Richards is involved in managing financial and operational activities for a property management company and owns an enterprise that engages in residential property renovation and cryptocurrency mining for personal investment. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a broad range of portfolio management and financial planning services and operates a multi-manager platform with various program options and custodial relationships.

Brittany Russell is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds a Series 66 designation and has worked at firms including Cambridge Investment Research and The Huntington Investment Company. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Victoria Whelan is a financial advisor with Ameriprise in New Wilmington, PA, holding a Series 66 designation and with six years of industry experience. She has been with Ameriprise since 2016 and previously worked at JCPenney. Whelan manages her advisory business as a W-2 employee. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.