Nicholas Tibaldi is a financial advisor with Raymond James Financial Services Advisors Inc. in Lyndhurst, OH, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has worked at Raymond James since 2008 and was previously with Concurrent Advisors from 2019 to 2023. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans developed through client interviews and risk profiling, with a notable focus on advisory roles rather than discretionary management.

Martin Schenkel is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 56 years of industry experience and has worked with MML Investors Services Inc and Mass Mutual Life Insurance Company since 2005. Schenkel serves as a board member for Schnurmann House, an independent living facility for senior citizens. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, goal-based financial planning and a range of investment programs and educational seminars.

Brian Kwiatkowski is a financial advisor at Charles Schwab with 26 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2009. Charles Schwab & Co., Inc. 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 both non-discretionary and discretionary investment options, delivering multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Andrew Johnson is a Series 66-licensed financial advisor with Ameriprise in Chagrin, OH, and has 18 years of industry experience. He has been with Ameriprise and its predecessor entity since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

Susan Silverberg is a financial advisor with Morgan Stanley in Cleveland, OH, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. Her prior roles include positions at Merrill for 35 years and Bank of America for 10 years before joining Morgan Stanley in 2021. She serves on the boards of several nonprofit organizations, including Bellefaire/JCB and Partners for the Cleveland Institute of Music, where she is involved in finance and fundraising activities. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured planning process.

Ryan Burnett is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 13 years of industry experience. His prior work includes roles at Bank of America and Merrill. He is based in Cleveland Heights, Ohio. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Harry Newmark is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in serving Private Clients. He has been with Merrill since 2007 and brings over 30 years of experience in the financial services industry. His work focuses on areas including Corporate Executive Services, Equity Compensation Services, Family Wealth Management Strategies, Personal Retirement Planning, and Women and Wealth. Harry holds a bachelor's degree in Economics and an MBA from Case Western Reserve University. He is a Personal Investment Advisor (PIA). Throughout his career, he has assisted institutional and individual clients across the United States in structuring risk management financial strategies. Harry emphasizes understanding investor concerns and setting appropriate financial goals. Based in Northeast Ohio, Harry and his wife Kimi have four grown children. They are active in their Temple, where Kimi serves as the Director of Youth. Harry also mentors the next generation through youth and summer camp programs. His personal interests include music, photography, reading, and spending time with his family.

Connor Mathis is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 designations and four years of industry experience. His prior work includes roles at North Carolina Farm Bureau and involvement with the Wake County Board of Elections. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves registered investment companies and offers model portfolios through intermediary platforms.

Denise Zalewski is a financial advisor with Merrill in Pepper Pike, OH, holding a Series 66 designation and bringing 26 years of industry experience. She has been with Merrill Lynch since 1999. 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. The firm integrates investment management with broader Bank of America services, including lending, custody, and access to a wide array of products.

Jean Stefanov is a financial advisor with LPL Financial in Beachwood, Ohio, holding a Series 63 credential and 32 years of industry experience. She has worked with LPL Financial since 1995 and operates Tyler Stone Wealth Management, LLC, an independent investment advisory firm she founded in 2015. Outside of her advisory work, she assists with financial operations for her husband's TV production business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, incorporating both discretionary and non-discretionary management, supported by research and a variety of investment strategies.

Robert Griffiths is Vice President and Wealth Planner at Fidelity Investments, where he partners with clients to develop comprehensive financial plans aimed at achieving comfortable and successful retirements. He has been with Fidelity Investments since 2011 and has progressively held roles including Financial Representative, Relationship Manager, Central Relationship Manager, Investment Consultant, and Financial Consultant. Throughout his tenure, Robert has gained extensive experience in wealth planning and client relationship management, supporting individuals in navigating their financial decisions. His expertise centers on building tailored strategies for retirement planning. Outside of his professional role, Robert enjoys a variety of personal interests such as attending concerts, cooking and baking, family activities, exploring culinary experiences as a foodie, playing golf, and traveling.

Madison Gray is a financial advisor with Robert W. Baird & Co. in Cleveland, OH, holding a Series 66 designation and beginning advisory work in 2024. Prior to joining Baird, Gray held roles in various businesses including Cultivated Cocktails Distillery and Itto Ramen Bar & Tapas. Gray is part of The DDK Group, a team within Baird’s Private Wealth Management department serving individuals, corporate clients, pensions, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and utilizes a mix of manager-traded and model-traded strategies, supported by internal research and ongoing manager monitoring.

David Palumbo is a financial advisor at Merrill with 19 years of industry experience and holds the Series 66 designation. His career includes roles at Fidelity, Ameriprise Financial Services, Cetera Advisor, Raymond James & Associates, and Merrill, where he has worked since 2018 in various capacities. 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 plans, charitable organizations, and corporate fiduciaries. The firm is integrated with Bank of America’s broader platform, providing access to a wide set of products and services beyond typical managed accounts.

Cyril Kanaga Raj is a financial advisor with LPL Financial in Cleveland, OH, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Boenning & Scattergood, Key Investment Services, and Key Private Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party research, and various portfolio management strategies.

Nancy Williams is a CFP®-certified financial advisor with 27 years of industry experience. She is currently associated with Raymond James Financial Services Advisors Inc. and Carver Financial Services LLC, where she assists clients with their financial planning needs. Her career includes long-term service at Raymond James Financial Services, Inc. dating back to 1997. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting through various programs, emphasizing advisory and implementation-support roles rather than discretionary management.

Robert Franz is a financial advisor at Stifel with 18 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009 and holds a Series 66 designation. Stifel serves a wide range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary methodologies from its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and planning.

Danielle Mackey is a Series 66 licensed financial advisor at UBS Financial Services with 8 years of industry experience. She has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides access to proprietary research and a broad range of capital markets products.

William Bolas is a financial advisor at Wells Fargo Advisors with 23 years of industry experience. He holds a Series 66 designation and has worked within various Wells Fargo entities since 2013. Outside of his advisory role, he serves on the investment committee of the Cleveland Yachting Club. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutions, utilizing firm research and planning tools to develop tailored recommendations across a broad range of financial planning areas.

Elizabeth Knight is a financial advisor with Raymond James & Associates in Cuyahoga Falls, OH, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Her career includes multiple roles at UBS Financial Services before joining Raymond James in 2019. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, as well as state and municipal governments. The firm provides tailored financial plans and investment recommendations through its Wealth Advisory Services Program and supports municipal and institutional clients through specialized public finance and fiduciary solutions.

Todd Lloyd is a financial advisor at Charles Schwab with 16 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade from 2015 to 2024 before joining Charles Schwab. He serves as secretary for his residential building's homeowner association. 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 both non-discretionary and discretionary investment solutions, combining multi-asset portfolios with centralized custody and operational services.