John Lostoski is a financial advisor at Equitable Advisors with two years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab and BrightEdge Technologies. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through third-party program sponsors and managers, providing both discretionary and non-discretionary advisory solutions.

Aaron Kamat is a financial advisor at LPL Financial with 17 years of industry experience. He previously worked at Securities America Advisors, Inc. and Securities America, Inc. for ten years. Kamat is a Series 66 credential holder and is based in Pepper Pike, OH. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from multiple sources.

Noel Elliott is a financial advisor with MassMutual Investors Services in Cleveland, OH, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to joining MassMutual in 2025, he worked at Alto Financial Group and Family First Life. Outside of financial advising, he owns several businesses related to home health care, health insurance, and education, including a company that offers training for home health care certifications. MassMutual Investors Services, LLC provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers, offering various programs and educational seminars supported by firm-approved analytical tools.

Theresa Holliday is a financial advisor at Merrill with 26 years of industry experience and holds a Series 66 designation. She has been with Merrill Lynch since 1998. Outside of her advisory role, she is listed as holding power of attorney for an entity named C A H in Solon, Ohio. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Elizabeth Loveman is a financial advisor at Charles Schwab with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab since 2018. Prior to her current role, she volunteered with the Tanglewood Community for ten years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account services. The firm offers a combination of non-discretionary guidance and access to discretionary separately managed accounts, supported by multi-asset portfolios and an integrated operational structure.

Francis Beam III is a CFP® professional with 32 years of experience in the financial services industry. He is currently with OSAIC and has held prior roles at Lincoln Financial Corporation and Lincoln Financial Advisors Corp. In addition to his advisory work, he is involved in the sale of various insurance products including fixed annuities and long-term care insurance. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through an extensive network of advisers and advisory platforms. The firm offers a broad range of integrated financial services, utilizing a variety of investment tools and third-party solutions to construct and manage portfolios across multiple asset classes.

Pierre Boryczewski is a financial advisor with Ameriprise in Westlake, OH, holding a Series 66 designation and 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specified asset criteria, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers these recommendations through a centralized consulting team in partnership with financial advisors.

Conor Tilow is a Securities-licensed financial advisor with UBS Financial Services, based in Pepper Pike, Ohio, and has 11 years of industry experience. He has been with UBS since 2015. Outside of his advisory work, he is involved with the West Side Catholic Center in Cleveland, volunteering to assist those in need. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides a range of services including fee-based financial planning, portfolio management, and capital markets services, employing proprietary research and model-based asset allocations to tailor client strategies.

Matthew Adkins is a financial advisor at Edward Jones in Brunswick, OH, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones, he worked for nine years at the family business, Adkins Building Company, in commercial construction. He serves as an elder at Trinity Church PCA and acts as a mentor coordinator for a business networking group in Akron, OH. He also maintains a Professional Engineer's license and occasionally reviews design work for a water service company. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs and investment options, supported by a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

Mark Potosky is a Senior Financial Advisor and Vice President with The Wadsworth Potosky Purcell Group at Merrill Lynch Wealth Management, based in Chagrin Falls, Ohio. He works closely with clients to develop customized wealth management strategies that align with their individual life goals and financial objectives. Mark's approach involves a disciplined process that utilizes the extensive resources of Merrill and Bank of America platforms to address the comprehensive needs of his clients' financial lives. Mark has been involved in the banking and financial services industry since 1989 and joined Merrill Lynch in April 2015. He holds a Bachelor of Science in Business Administration with majors in Finance and Insurance from Bowling Green State University. His professional credentials include the Chartered Retirement Planning Counselor (CRPC) designation and the Certified Plan Fiduciary Advisor (CPFA) certification, among others. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. A lifelong resident of Northeast Ohio, Mark is engaged in his local community through involvement with Kirtland Football and membership in the Holy Name Society. Outside of his professional work, he enjoys coaching sports and spending time with his wife and children. His personal interests include baseball, basketball, football, golfing, tennis, and watching movies.

Brian Petros is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at OSAIC since 2023. Prior to that, he spent 14 years at Sagepoint Financial, Inc. and has been associated with American General Securities Incorporated since 2003. Outside of his advisor role, he is a partner at PK Financial Group Inc., which provides individual wealth management and retirement plan management services. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, through a large network of advisers and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios, and offers integrated brokerage, financial planning, retirement consulting, and access to third-party money managers.

Gene Fritzsche is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Cetera in 2025, he worked at B. Riley Wealth Advisors and Capital Securities of America. Outside of finance, he owns and oversees two pet containment businesses in Ohio. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, featuring multiple program structures and access to various third-party money managers.

Charles Thomasson is a ChFC® credentialed financial advisor with 35 years of industry experience, currently with Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. for 15 years. He serves on the board of the Western Reserve Chapter of Mayflower Descendants and is involved in starting a charity focused on feeding zoo animals, farm rescue animals, and horses. Additionally, he is an amateur classical guitar player. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Brent Affolter is a financial advisor with MassMutual Investors Services in Cleveland, OH, holding a Series 63 license and 22 years of industry experience. He has worked at MassMutual Investors Services since 2017 and previously held positions at MassMutual Life Insurance and MetLife Securities. Outside of advising, he is involved in insurance sales across life, health, disability, long-term care, and fixed annuities, and he owns an LLC for tax and business administrative purposes. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, and charitable organizations. The firm’s approach includes collaborative, annual financial planning engagements using firm-approved software and tools, with implementation of recommendations arranged separately.

Harlynn J M Hobbs is a financial advisor at Charles Schwab with 25 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Charles Schwab since 2002, including a role at Charles Schwab Trust Bank since 2021. Outside of his advisory work, he occasionally works as a cook at various functions. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management services supported by centralized custody, brokerage, and due diligence resources.

James Mc Crone is a financial advisor at Equitable Advisors with a Series 66 credential and one year of industry experience. Prior to joining Equitable Advisors, he worked at Carpenter & Associates and Highland Consulting Associates, and he is also involved in the food service industry as a server and runner at Panini's Bar and Grill in Willoughby, OH. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to deliver tailored financial solutions.

Joy Taylor is a financial advisor with Primerica Advisors in Lakewood, OH, holding Series 63 and Series 65 licenses and seven years of industry experience. Her prior work includes roles at Ganley Subaru East, Motorcars Toyota, and several retail companies. Outside of advisory activities, she receives non-investment compensation related to referrals for home security, automation products, and loan services. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors along with corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-based strategies managed by unaffiliated asset managers.

Jacob Schaefer is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. He has worked at several firms including PNC Investments and Citizens Securities. He is also involved with Commonwealth Capital Management, LLC as an advisor. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors.

Kristopher Sayre is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Caroline Adams is a Senior Financial Advisor with Williams, Jones & Associates, a wealth-management team at Merrill Lynch Wealth Management. She joined Merrill in 2021 after starting her career as a Certified Public Accountant with a large Montana-based public accounting firm. Caroline's approach to financial advising centers on developing personalized, goals-based wealth plans that address her clients' long-term ambitions. Her areas of expertise include tax-sensitive financial strategies, business planning, cash-flow analysis, higher-education savings, wealth transfer, and portfolio management services. Caroline and her team assist a diverse range of clients including executives, business owners, professionals, and multi-generational families. She emphasizes collaboration with clients' external tax and legal advisors to ensure coordinated planning. Caroline holds professional designations such as Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. Caroline earned dual bachelor's degrees in Accounting and Finance from Carroll College in Helena, Montana. She is involved with the Idaho Women's Charitable Foundation. Outside of her professional work, Caroline enjoys spending time outdoors with her husband, Cole, and their golden retriever, Bo, engaging in activities such as hiking, skiing, and tennis.