Robert Teren is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on building durable and repeatable wealth management strategies tailored to clients' objectives whether they seek to grow, protect, or generate income from their assets. His approach to wealth management is consultative and objective, emphasizing transparency, communication, and long-term relationships. Robert has over 25 years of experience in the financial industry. Before joining Merrill Lynch in 2007, he spent 15 years in commercial and residential finance. His expertise includes managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He offers clients recommendations on asset allocations that reflect their income and growth expectations, along with discussions on investments, retirement, estate planning services, and tax minimization strategies. Robert holds a Bachelor's Degree from the University of Wisconsin and is a graduate of the London School of Economics. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Robert and his wife, Sofia, are involved in civic and charitable organizations and live with their two children. Robert is also a four-time finisher of The Boston Marathon and an avid triathlete.

Holly Traegner is a financial advisor with Merrill in Chagrin Falls, OH, holding a Series 66 designation and 24 years of industry experience. She has worked at Merrill since 2008 and has also been associated with Bank of America, N.A. since 2011. Outside of her advisory role, she serves as a power of attorney for family members. Merrill, along 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, pension and profit-sharing plans, corporations, and charitable organizations.

Giovanni Ruggiero is a financial advisor with UBS Financial Services in Cleveland, OH, holding a Series 66 designation and 15 years of industry experience. He has been with UBS since 2010. He is a member of a committee at the Jesuit Retreat House, a nonprofit organization focused on organizing retreats and managing endowment investments and cash flow. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and provides proprietary research and a broad range of capital markets services.

Michael Scruggs is a financial advisor at LPL Financial with 20 years of industry experience and a Series 66 designation. He has held roles at multiple firms including Lighthouse Advisers, LLC, IC Advisory Services, Inc., Ameriprise, and A. G. Edwards & Sons, Inc. Since 2020, he has also operated Scruggs Financial as a DBA for his 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 through a broad network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

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.

Kenneth Gable is a ChFC® with 33 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. His prior roles include positions at Metlife Securities Inc. and Metropolitan Life Insurance Company from 1993 to 2017. He also holds an outside insurance sales role focusing on life, disability, long-term care, and fixed annuities. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars using firm-approved analytical tools, with a focus on collaborative, annual planning relationships.

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.

Sharon Mazur is a Series 63–licensed financial advisor with 23 years of industry experience. She is currently associated with Cetera, where she has worked since 2013, including within Cetera Wealth Services and Blue Line Financial. Mazur serves as a financial investment committee member for the Fraternal Order of Police Lodge #8, overseeing investment decisions and budget planning for the nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diversified portfolio management and consulting services through a multi-manager platform, enabling advisors to implement model portfolios, select third-party managers, or develop customized strategies.

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.

Betty Brecht is a financial advisor with Robert Baird & Co. in Cleveland, OH, holding a Series 63 designation and bringing 29 years of industry experience. She has been with Robert Baird & Co. for 30 years since 1996. Robert Baird & Co.’s DDK Group, where Ms. Brecht is based, provides wealth management services to individuals, including high net worth clients, as well as corporate, pension, and charitable clients. The firm offers a range of advisory services that include financial planning, portfolio management, separately managed accounts, and municipal advisory services, supported by internal research and technology-driven tools.

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.

Cherie Byrd is a financial advisor with Morgan Stanley in Cleveland, OH, holding Series 63 and Series 65 credentials and with 29 years of industry experience. She has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm offers advisory programs that include tailored financial planning using firm-approved tools and a structured discovery process.

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.