Michele Obenauf is a financial advisor at Cetera with seven years of industry experience. She holds Series 63 and Series 66 designations and has worked at Cetera and its affiliates since 2019. Prior to that, she was with First National Bank of Pennsylvania from 2006 to 2018. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management strategies, financial planning, and retirement services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Robert Notary is a financial advisor with Ameriprise in Youngstown, OH, holding a Series 63 designation and 37 years of industry experience. He has been with Ameriprise and its predecessor firms since 1989. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. This service provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Christy Verenski is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Sterne Agee Investment Advisor Services and Securities America. Verenski serves as a board member and secretary for the United Way of Lawrence County. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services with access to multiple investment platforms and third-party managers. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Jon Denman is a financial advisor at Edward Jones with 16 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2009. The firm serves more than four million individual and institutional clients with a range of wealth management services. Edward Jones manages approximately $1.01 trillion in assets under management and offers discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jeffrey Sanfilippo is a financial advisor at LPL Enterprise with Series 63 and Series 66 licenses and four years of industry experience. He has previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory role, Jeffrey serves as a coach for sports and fitness in the New Castle School District. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth clients, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm’s investment implementation is model-driven and includes financial planning, access to third-party asset managers, and participation in wrap programs.

Jeffrey McCreery is a financial advisor with Mass Mutual Investors Services in Boardman, OH, holding over 35 years of industry experience. He has worked at MML Investors Services Inc. and MassMutual Life Insurance Company since 2009, and previously at New England Securities from 2005 to 2009. He serves as a board member of Town One Streetscapes, a nonprofit focused on community improvement projects. Mass Mutual 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, and charitable organizations. The firm offers collaborative, annual planning engagements using firm-approved analytical tools and delivers recommendations across investment categories without discretionary authority.

Jeffrey Sonntag is a financial advisor at Ameriprise with 29 years of industry experience. He holds Series 63 and Series 66 designations and has been with Ameriprise and its affiliated entities since 2005. His practice is based in New Castle, PA. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, supported by a centralized consulting team and algorithmic tools, with a focus on Ameriprise-managed accounts.

Michael Moss is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. Prior to joining Cambridge in 2017, he was with Invest Financial Corp and has also operated Lighthouse Financial Strategies since 1999. Outside of his advisory work, Moss serves as a committee member for Troop 46, planning troop events. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors by providing financial planning, investment management, and retirement advisory services. The firm offers multiple portfolio management options and strategies, including proprietary models and access to third-party managers, with investment approaches tailored to client objectives.

Brian Taylor is a CFP® professional with 35 years of industry experience, currently serving at Ameriprise since 2005. His career includes 15 years with Ameriprise Financial Services, Inc. and six years with Ameriprise. Outside of his advisory role, he owns and manages businesses related to office properties in New Wilmington, PA. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement with significant investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary advice, primarily for clients maintaining assets in Ameriprise Managed Accounts.

Bradley Handel is a financial advisor with Ameriprise in Youngstown, OH, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2008. Outside of advising, he owns and manages businesses, including an independent insurance brokering operation focused on long-term care and fixed annuities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that provide clients with written recommendation reports and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

Derik Ronci is a financial advisor with Raymond James Financial, holding a Series 66 designation and three years of industry experience. He previously worked at Cambridge Investment Research Advisors and Cambridge Investment Research. Outside of his advisory role, Ronci is an agent with Hometown Insurance Solutions, where he sells Medicare supplement and related insurance plans. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through unique affiliations, alongside specialized advisory programs such as its SIMPLE IRA Employer Advisory & Consulting Services.

Kevin Ellsworth Myers is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 65 licenses and five years of industry experience. He has been with MML Investors Services LLC and Mass Mutual Life Insurance Company since 2021. Outside of his advisory role, he is also a licensed life insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Marvin Gardner is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 39 years of industry experience. His career includes long-term roles at Waddell & Reed and Gardners Tax & Financial Service, where he continues involvement in tax preparation and accounting. Gardner also manages Woodmere Estates, a real estate rental 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 and access to third-party asset managers, supported by advanced research and operational tools.

Emily Stark is a financial advisor with Edelman Financial Engines in Youngstown, OH. She holds a Series 65 designation and has been with Edelman Financial Engines since 2019, following four years at PNC Bank. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a proprietary modeling process with planner delivery and online tools, offering diversified model portfolios with a long-term investment orientation and managing approximately $326 billion for roughly 477,000 clients.

Robert Mrozek is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has worked with Cambridge Investment Research since 2016. Outside of advisory work, he operates an independent insurance agency and manages office rental space. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm offers multiple portfolio management options and utilizes both proprietary and third-party model strategies tailored to client objectives.

William Mcnally is a CFP® with 16 years of experience in the financial industry. He is currently with LPL Enterprise and has previously worked at Prudential Insurance Company of America, Pruco Securities, PNC Investments, PNC Wealth Management, and Wells Fargo Clearing. Mcnally operates a business activity under the name McNally Financial related to his work with LPL. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and various brokerage and insurance services.

Kevin Mckinstry is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 credentials and over 44 years of industry experience. He has previously worked with Avantax Advisory Services and Illinois Mutual. Outside of advising, he owns and operates a tax preparation and accounting business and officiates volleyball and basketball. Cetera Investment Advisers LLC is a multi-manager platform that serves a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Daniel Henry is a financial advisor with Cetera, holding a Series 63 designation and 26 years of industry experience. His career includes roles at Cetera Advisors LLC since 2013 and New England Securities from 2005 to 2007. He is also licensed as an insurance agent, selling life, disability, fixed annuities, long-term care, and property and casualty insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Trevor Popovitch is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera Investment Services LLC and affiliated entities since 2014. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, with multiple program structures and access to both affiliated and third-party managers.

Rene Ornelas is a financial advisor with LPL Financial based in New Castle, PA, holding Series 63 and Series 65 credentials and 27 years of industry experience. His career includes roles at Independent Advisor Alliance, Independent Financial Partners, NRP Advisors, Wells Fargo Advisors, and Morgan Stanley. Outside of his advisory work, he is also a musician who performs and books gigs. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment options, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.