Michael Wittlinger is a Financial Advisor with Merrill Lynch Wealth Management. He works one-on-one with clients to define their financial goals and develop portfolio strategies aimed at helping them achieve those goals. Michael provides ongoing advice and adjusts clients' portfolios as their situations change. His expertise includes retirement planning, wealth management, preparation for significant life events, and legacy building. Michael approaches financial strategies by first understanding what matters most to each individual, aiming to simplify complex financial decisions and offer personalized guidance. Michael holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree from The Ohio State University.

Julius Cobb is a Series 66-licensed financial advisor with Morgan Stanley in Pepper Pike, Ohio, bringing 16 years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at First Clearing, LLC for six years. Outside of his advisory role, he is involved in real estate business activities as an organizer and manager of related entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and economic modeling.

Lindsay Necci is a financial advisor at Morgan Stanley with 16 years of industry experience. She previously worked at JP Morgan Chase Bank, JP Morgan Securities, Raymond James Financial Services, and PNC Investments. Necci holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

Lyndsey Fern is a financial advisor with Raymond James & Associates in Beachwood, OH, holding 18 years of industry experience. She previously worked at UBS Financial Services for 21 years before joining Raymond James in 2026. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional services supported by a nationwide adviser network.

Vicki Marshall is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. She has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, with both discretionary and non-discretionary management options supported by research and model portfolios.

Colin Wymer is a financial advisor with LPL Financial in Kent, Ohio, holding Series 65 and Series 63 licenses and seven years of industry experience. He previously worked at Tax and Financial Strategies and SpyGlass LLC before joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

Melissa Wigginton is a financial advisor at UBS Financial Services with three years of industry experience. She holds a Series 66 designation and previously worked at LPL Financial, Turney Tax / DWR Financial, National Automotive Experts, and Lifetouch Portrait Studios. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Stephen Mc Laughlin is a financial advisor with UBS Financial Services, holding a Series 66 designation and four years of industry experience. He has worked at UBS Financial Services and Raymond James & Associates, among other firms, and has also spent time driving for Uber on weekends. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to tailor plans using proprietary research and capital market assumptions.

John Dever Jr. is a financial advisor at Raymond James & Associates with Series 63 and Series 65 designations and two years of industry experience. Prior to joining Raymond James, he worked at MGO Inc. and has additional experience in education and retail. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning, investment consulting, and institutional fiduciary solutions, with a focus on tailored, non-discretionary advice supported by diversified portfolio management and affiliated research.

Thomas Gallagher Jr. is a financial advisor at LPL Financial with 37 years of industry experience. He holds a Series 63 designation and previously worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. He is also a partner at Regal Financial, LLC, which specializes in life, health, property and casualty, fixed annuities, Medicare, and disability insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutional clients through a nationwide network. The firm offers a broad range of financial planning and advisory services, incorporating model portfolios, research from various sources, and multiple investment management options.

Zackary Siegrist is a Financial Consultant currently working at Fidelity Investments since 2022. He has a comprehensive background in financial services, having held multiple roles at Charles Schwab from 2012 to 2022, including Financial Consultant Partner, Client Relationship Specialist, Communication Specialist, and Retirement Services Specialist. Throughout his career, Zackary has focused on developing comprehensive financial plans tailored to clients' specific goals and preferences. His approach emphasizes understanding clients and their families to help them work toward their financial objectives collaboratively. Outside of his professional work, Zackary has interests in fitness, football, hiking, outdoor adventures, pets, and traveling.

Kevin Poropat is the Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2021. He partners with clients to understand their financial goals and objectives, building customized plans to meet their unique and evolving needs. Kevin has been with Fidelity Investments since 2015, progressing through positions including Financial Representative, Central Relationship Manager, Investment Consultant, and Financial Consultant. His experience covers various aspects of financial consulting and client relationship management. Outside of his professional role, Kevin has personal interests that include baseball, fishing, football, music, and parenthood.

Jenna Karlovec is a financial advisor with Charles Schwab, holding a Series 66 designation and beginning her industry career in 2024. Prior to joining Schwab, her professional experience includes roles outside the financial industry, such as positions at Mike's Place, Aladdin's Eatery, and Towpath Tennis Center. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering non-discretionary investment guidance combined with access to discretionary separately managed accounts. The firm integrates advisory, brokerage, custody, and cash-sweep services within a large-scale, centralized operating model.

John Brayer is a financial advisor with Primerica Advisors, holding a Series 63 designation and 22 years of industry experience. He has been affiliated with PFS Investment Inc. and Primerica Financial Services since 2003. Outside of his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies and operates John Brayer and Associates Inc. for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, utilizing a tiered wrap fee structure.

Kenneth Lowe is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise in various capacities since 2009. Outside of his advisory role, he works as a food delivery driver for DoorDash. 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 recommendations and ongoing retirement income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Fareed Siddiq is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 45 years of experience to his role. He specializes in wealth management, risk management, investment management, estate and tax minimization strategies, and retirement planning. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Previously, he has served in roles such as Executive Director, Senior Investment Management Consultant, and Portfolio Management Director. Born and raised in Pakistan, Fareed attended St. Patrick College in Karachi, majoring in Business before moving to the United States in 1972. He is fluent in English, Urdu, Hindi, and Punjabi. Fareed is actively involved in the Greater Cleveland community, serving on the boards of organizations including the American Red Cross, Cleveland Council of World Affairs, The City Club, and The Diversity Center. In his personal time, Fareed enjoys boating, golfing, music, reading, tennis, and watching movies. He is committed to working one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals.

Stacy Lampros is a financial advisor at Merrill with 26 years of industry experience. She holds a Series 66 designation and has been with Bank of America and Merrill since 2016. Outside of her advisory role, she was formerly the owner of an antique furniture shop operating as Vintage Inspirations LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jack Makee is a financial advisor at Wells Fargo Advisors with four years of industry experience. He holds a Series 66 designation and previously worked at KeyBank and Swagelok. Outside of his advisory role, he is involved with Princeton Harriman Insurance Solutions in Sarasota, Florida, where he provides insurance-related financial advice. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Megan Grant is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds the Series 66 designation and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and offers proprietary research and affiliated banking programs.

Jalen Johnson is a financial advisor at Merrill with Series 63 and Series 66 credentials and five years of industry experience. His prior roles include positions at The Vanguard Group, Amazon, and Cedar Point. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.