Chad Hartup is a financial advisor at UBS Financial Services with 26 years of industry experience. He has been with UBS since 1999. Hartup serves as president of his residential homeowner association, a one-year term on the board managing community responsibilities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor client strategies.

Ivana Musa is an Investment Consultant currently working at Fidelity Investments since 2022. She has held various roles in the financial sector, including Financial Consultant positions at Equitable Financial from 2021 to 2022 and Pension Advisors from 2012 to 2019, as well as a Relationship Manager role at Principal Financial from 2019 to 2021. Ivana focuses on understanding her clients' unique financial narratives to provide tailored guidance and connect them with specialists who utilize advanced planning tools. Her approach emphasizes empowering clients to make confident decisions throughout their financial journeys. Outside of her professional work, Ivana has interests in art, golf, parenthood, skiing, soccer, and traveling.

Jennifer Morris is a financial advisor at Merrill with 27 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1997. The firm provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, and institutional investors. Merrill integrates its investment offerings with Bank of America’s broader platform, providing access to a wide range of products and strategies managed by affiliated and third-party managers.

Vladimir Yerukhimovich is a financial advisor with Primerica Advisors in Beachwood, OH, holding a Series 63 designation and 29 years of industry experience. He has worked with Primerica Financial Services since 1994 and is currently associated with Primevision Financial Group and PFS Investments Inc. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Daniel Bezik is a financial advisor with Wells Fargo Advisors in Beachwood, Ohio, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory work, he serves as a club director for League One Volleyball, where he is involved in coaching and directing volleyball teams. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients through a large network of advisors. The firm offers a broad planning menu covering various financial needs and integrates advisory services with other financial products and referral channels.

David Reynolds is a financial advisor with J.P. Morgan Securities LLC in Cleveland, OH, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. Prior to joining J.P. Morgan in 2023, he worked at KeyBank from 2015 to 2023. Outside of finance, he is involved in aquaculture, owning and operating Urban Fish Farm and Rushing Waters Fish Farm, which raise Tilapia for commercial sale. 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 institutional advisory operations with brokerage, distribution, and investment management capabilities.

John Nicklas is a Series 66 licensed financial advisor with six years of industry experience, currently affiliated with Cetera. He has also held roles at Meaden & Moore Financial Services and Avantax Investment Services, and serves as Vice President and CPA at Meaden & Moore, Ltd. Additionally, he acts as trustee of a family trust and holds power of attorney for a family member, overseeing financial affairs in both capacities without compensation. Cetera Investment Advisers LLC is an SEC-registered firm that provides investment advisory services through a national network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services with access to multiple investment models and custom strategies across various program structures.

Ronald Pirro is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior experience includes 18 years at B. Riley Wealth Management and 3 years at B. Riley Wealth Advisors, Inc. He is president of Pirro Financial Group LLC, a securities-related business through which he provides financial advisory services. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party model portfolios.

Raymond Braum is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 26 years of industry experience. He has been with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and comprehensive investment research.

Thomas Erb is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. He holds a Series 66 designation and has worked within various branches of Wells Fargo since 2013. Outside of his advisory role, he is involved with Well Planned Financial LLC, where he dedicates part of his time to managing financial planning activities. 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 tailored recommendations using proprietary research and planning tools, supporting a broad range of financial planning needs including specialized services like business-owner transition and divorce planning.

Luke Swaddling is a financial advisor with Equitable Advisors in Independence, OH, holding a Series 66 designation and three years of industry experience. His prior roles include positions at SportRadar and Infinity Fitness, as well as earlier service with Equitable Advisors. He serves as a board member of the St. Edward Alumni Association. Equitable Advisors provides financial planning, retirement plan support, and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model, leveraging third-party asset managers and LPL programs to deliver advisory and brokerage solutions.

Mary Lalli is a financial advisor with Ameriprise in Northfield, Ohio, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory work, she is an author of several books, including titles such as "Shrinking Buddha," "101 Bible Riddles," and "Dvorah--Prophetess, Judge, Warrior King Solomon, Master Builder, and Queen of Sheba, Savior of Marib Dam: Two Lives Intertwined Blood Moon." Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with advisory support and emphasizes the use of Ameriprise-managed accounts within its planning approach.

Samuel Salvino is a Private Wealth Manager at Merrill Private Wealth Management. He works with ultra-high net worth clients, including corporate executives, entrepreneurs, and multi-generational families, focusing on family wealth management strategies, liquidity management, managing new wealth, philanthropic planning, portfolio management services, and tax minimization. Samuel and the team at Moeder Salvino & Associates leverage their combined industry knowledge to provide a comprehensive and tailored client experience. Prior to joining Merrill, Samuel worked at a London-based family office, where he was involved in investment selection, due diligence, and operational support. He began his career in financial services as a Wealth Management seasonal associate at Merrill in 2018. Samuel holds a bachelor's degree in Finance from Richmond, The American University in London and holds the Personal Investment Advisor (PIA) professional designation. Samuel currently resides in New York City. Outside of his professional responsibilities, he enjoys fly fishing, running, and other outdoor activities.

Brett Robson is a financial advisor with Primerica Advisors in Milan, Ohio, holding 11 years of industry experience. He has worked at Primerica Financial Services since 2013 and PFS Investments Inc. since 2014. Outside of advising, he owns Robson & Associates, LLC, which provides tax return preparation and bookkeeping services for small business owners. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed accounts in a wrap-fee structure.

Patrick Behm is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined the firm in 2015 and provides custom wealth management services, strategies, and advice for high net worth individuals, families, and business owners. Patrick's approach involves first listening to a client's needs to deliver tailored financial strategies and help clients express their financial goals effectively. Patrick's expertise includes financial strategies, social security analysis, pre and post retirement cash flow planning, corporate executive services, executive compensation, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, and retirement income. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). A Cleveland native, Patrick earned bachelor's degrees in Finance and Business Intelligence from Mercyhurst University. In his spare time, he is involved in civic and charitable organizations and enjoys activities such as boating, fishing, football, golfing, hiking, painting, photography, running, skiing, and traveling.

Zachary Lewis is a Series 66-licensed financial advisor with Ameriprise in Avon Lake, Ohio, with 16 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. Outside of his advisory role, he is a co-owner of Sua Sponte Partners, LLC, which supports and manages his financial planning practice. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria. The firm provides a combination of advisory, brokerage, and insurance solutions through affiliated entities and uses a centralized consulting team to deliver tailored, research-driven retirement income recommendations.

Colleen Saari is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. She has worked at Bank of America N.A. and Merrill since 2020. Prior to her career in finance, she was involved in the retail and creative sectors, including roles at Begin Again Jewelry Co. and Heather B Moore Inc. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Chuck Sramek is a Planning Consultant at Fidelity Investments, where he collaborates with Fidelity Wealth Planners to assist families in creating, implementing, and monitoring comprehensive wealth plans tailored to their unique needs and priorities. He has been in this role since 2022. Prior to his current position, Chuck worked as an Investment Consultant at Fidelity Investments from 2021 to 2022. His experience also includes roles as an Associate Financial Advisor at Bishop Financial Advisors from 2018 to 2021 and as a Financial Professional at AXA Advisors from 2017 to 2018. Outside of his professional career, Chuck has interests in cars, concerts, cooking and baking, food, social events with friends, and music.

Philip Lago is a financial advisor with LPL Financial, holding a Series 63 designation and six years of industry experience. He previously worked at MML Investors Services and Regal Financial/Mass Mutual for seven years. Lago serves as a board member for the Northern Ohio Chapter of Folds of Honor, supporting community events and fundraisers. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing discretionary and non-discretionary management alongside research and model portfolios.

Will Lyle is the Vice President Private Wealth Management Advisor at Fidelity Investments, where he currently works with ultra-high-net-worth families to manage the complexities of their wealth. He is a CFP4 professional and part of Fidelity Private Wealth Management, focusing on a collaborative approach that combines Fidelity's extensive resources with personalized service. Will brings 19 years of industry experience, having held multiple roles at Fidelity Investments since 2020, including Vice President, Wealth Planner, and Financial Consultant. Prior to that, he worked in various financial advisory and client management roles at CAPTRUST Financial Advisors, Merrill Lynch, OneAmerica, and Transamerica from 2006 onward. He resides in Ohio with his wife and three sons. Outside of his professional work, Will enjoys boating on Lake Erie, supporting local youth hockey, and participating in his local church community.