William Matthews is a CFP® professional with 25 years of industry experience, currently serving as an advisor at Schwab Wealth Advisory, Inc. since 2021. His prior experience includes roles at Charles Schwab & Co., Inc. and Charles Schwab Bank Ssb, where he worked for over a decade, as well as six years at Ameriprise. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, utilizing proprietary asset-allocation models and internal research tools.

Jeffrey Sokolowski is a financial advisor with Key Investment Services LLC in Brooklyn, Ohio. He holds Series 63 and Series 66 licenses and has four years of industry experience. His prior roles include positions at Key Private Bank, KeyBank, and First Commonwealth Bank. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients. The firm uses a multi-provider platform and integrates services from KeyCorp affiliates, offering a range of wrap programs and ancillary insurance products.

Thomas Moughan is a financial advisor with Sequoia Financial Group, L.L.C. in Akron, OH, holding 20 years of industry experience. He has been with Sequoia Financial Advisors, LLC and Sequoia Financial Group, LLC since 2016 and currently serves as Director of Asset Management. Sequoia Financial Advisors, LLC provides wealth planning, investment management, retirement-plan advisory, and consulting services to a diverse client base including individuals, family offices, corporations, charitable organizations, and trusts. The firm employs a combination of model and custom portfolio management strategies, supported by an Investment Policy Committee and a mix of investment vehicles including mutual funds, ETFs, individual securities, and alternative investments.

Christopher Radzinski is a financial advisor with Stratos Wealth Partners, Ltd., holding 13 years of industry experience. He has been with Stratos Wealth Partners since 2014 and is also affiliated with LPL Financial. Stratos Wealth Partners is an SEC-registered enterprise advisory firm with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutional clients, offering a range of advisory and portfolio management services through an open-architecture platform integrating multiple third-party managers.

Michael Cimperman is a CFP® professional with eight years of industry experience, currently serving at Stratos Wealth Partners, Ltd. since 2021. His prior work includes roles at HRZ Management, LPL Financial, Charter Steel, and the University of Akron. Stratos Wealth Partners is an SEC-registered enterprise advisor with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutional clients through a model that emphasizes independent advisor management and an open-architecture investment approach.

Frederick Cook is a Series 66-licensed financial advisor with Stratos Wealth Partners, Ltd., where he has worked since 2013. He has 26 years of industry experience, including prior roles at LPL Financial and KeyBanc Capital Markets Inc. Outside of his advisory role, he holds a notary commission with the State of Ohio. Stratos Wealth Partners, Ltd. is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves individuals, retirement plans, corporations, nonprofits, and institutional clients through a model that emphasizes independent investment adviser representatives who provide discretionary and non-discretionary portfolio management using an open-architecture approach with multiple third-party platforms and managers.

Laura Sternheimer is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Sequoia Financial Group, L.L.C. Prior to joining Sequoia in 2023, she worked at Triad Advisors LLC and Cirrus Wealth Management, among other firms. She has also held the role of senior client relationship manager and Chief Compliance Officer at Cirrus Wealth Management. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, family offices, corporations, and charitable organizations. The firm combines model and custom portfolio management with a range of investment options and is noted for its affiliated ETF sponsorship, private fund advisory, and integration with tax and philanthropic services.

John Rutkowski is a financial advisor with Primerica Advisors in Beachwood, OH, holding a Series 63 designation and 18 years of industry experience. He has been associated with Guardian Life Insurance Co of America and Primerica Advisors since 2009. Outside of his advisory role, he works as an independent insurance agent. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, offering both brokerage and advisory services along with financial and business consulting. The firm utilizes a range of investment strategies through proprietary and third-party platforms, supporting diverse account types and lending solutions.

Charles Scrattish Jr. is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and 31 years of industry experience. His prior roles include positions at Huntington National Bank, The Huntington Investment Company, LPL Financial, and several other firms. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm operates a multi-provider model with both discretionary and non-discretionary management options and integrates services from KeyCorp affiliates, including KeyBank and KeyBanc Capital Markets.

David Albin is a financial advisor at Stratos Wealth Partners, Ltd with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including LPL Financial LLC and Independent Financial Group, LLC. Outside of his advisory role, he is involved with several non-investment related ventures including authorship and technology services. Stratos Wealth Partners, Ltd is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including high-net-worth individuals, retirement plans, corporations, nonprofits, and institutional clients, offering a range of services such as financial planning, third-party manager programs, and outsourced CIO solutions. Stratos employs an open-architecture model integrating multiple third-party platforms and sub-advisors, with a focus on customized portfolio management aligned to client goals.

Matthew Moore is a financial advisor with Key Investment Services LLC in Brooklyn, OH, holding Series 63 and Series 65 licenses and six years of industry experience. His career includes multiple roles within KeyBank and Key Investment Services as well as prior experience in retail positions at Bestbuy and Firehouse Subs. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm uses a multi-provider platform with a focus on non-discretionary model portfolios and integrates services from KeyCorp affiliates.

Brittanie Mandich is a financial advisor at Sequoia Financial Group, L.L.C. She holds a Series 65 designation and has four years of industry experience. Her prior work includes roles at Presper Financial Architects, LLC, Demming Financial Services Corp., and Hudson Extrusions Inc. Sequoia Financial Advisors, LLC provides wealth planning, investment management, retirement-plan advisory, and consulting services to a diverse client base, including individuals, family offices, corporations, charitable organizations, trusts, and retirement plans. The firm uses a combination of model and custom portfolio management with various investment vehicles, supported by an Investment Policy Committee and regular research and due diligence.

Christopher Demuesy is a financial advisor at Key Investment Services LLC with one year of industry experience. He holds a Series 66 designation and has worked previously at Thrivent Financial, Tradefull, and in education at the North Canton Hoover School System. Key Investment Services LLC is an SEC-registered investment adviser that offers portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm employs a multi-provider model for portfolio management and oversight, and integrates services with KeyCorp affiliates, providing a range of investment and advisory solutions.

Thomas Murphy is a financial advisor with Key Investment Services LLC in Brooklyn, Ohio, holding Series 63 and Series 66 credentials and seven years of industry experience. He previously worked at J.P. Morgan Securities LLC and Edward C. Hawkins & Co., Ltd. before joining Key Investment Services and KeyBanc Capital Markets. Key Investment Services LLC is an SEC-registered investment adviser offering portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm utilizes a multi-provider model with discretionary and non-discretionary portfolio management and integrates services from KeyCorp affiliates.

Rory McCarthy is a financial advisor at Valic Financial Advisors with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bill McCarthy & Associates. Rory is also involved with Agia as an agent for non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm utilizes discretionary unified managed accounts with a focus on technology-driven solutions and serves nearly 300,000 clients with over 1,200 advisors.

Ernest Cunningham III is a financial advisor at Key Investment Services LLC with 10 years of industry experience. He holds Series 65 and Series 66 credentials and has worked previously at Ameriprise, Cetera Investment Advisors, and Edward Jones. Outside of his advisory role, he umpires athletic events for the Ohio High School Athletic Association during evenings and weekends. Key Investment Services LLC is an SEC-registered investment adviser that offers portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm utilizes a multi-provider model with both discretionary and non-discretionary management and integrates services from KeyCorp affiliates, including investment banking and municipal advisory capabilities.

David Criss is a financial advisor with Citizens Securities, Inc. in Rocky River, OH, holding a Series 66 designation and 21 years of industry experience. He has been with Citizens Securities since 2005. Outside of his advisory role, he serves as successor trustee and power of attorney for the Criss Family Living Trust. Citizens Securities, fully owned by Citizens Bank, N.A., serves a broad retail client base including individual and high-net-worth investors. The firm offers investment advisory programs, brokerage, and insurance services, with advisory offerings that include both a digital advisory program and a separate Managed Account program.

Melanie Ross is a CFP® with 23 years of industry experience, currently serving at Sequoia Financial Group, L.L.C. since 2022. She previously worked at Royal Alliance Associates Inc. and Financial Planners of Cleveland, Inc. DBA NCA Financial Planners. In addition to her advisory role, she appears as on-air talent for a local Cleveland TV and radio station. Sequoia Financial Group provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse client base including individuals, charitable organizations, corporations, trusts, and family offices. The firm employs a combination of in-house model portfolios, custom accounts, and third-party manager selection, supported by research and oversight from an Investment Policy Committee.

Karey Edwards is a Certified Financial Planner™ (CFP®) with over 21 years of experience in the financial services industry. She is currently with Sequoia Financial Group, L.L.C. and was previously associated with Royal Alliance Associates and Financial Planners of Cleveland. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, family offices, corporations, and charitable organizations. The firm uses a combination of model allocations and custom portfolios, employing various investment vehicles and a thorough research process overseen by an Investment Policy Committee.

Lucas Klosterman is a financial advisor at Sequoia Financial Group, L.L.C. in Akron, OH, holding Series 63 and Series 66 licenses with four years of industry experience. Prior to joining Sequoia in 2025, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC from 2022 to 2025. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan advisory services to a diverse client base, including individuals, family offices, corporations, and charitable organizations. The firm utilizes both model and custom portfolios, incorporating a range of investment vehicles and supported by an Investment Policy Committee overseeing regular research and portfolio monitoring.