Adam Toth is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 20 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jack Langhals is a financial advisor at LPL Enterprise with Series 66 credentials and two years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Central Insurance. Outside of finance, he is involved in his family’s real estate and auction company. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products via an integrated platform.

Kristy Wise is a financial advisor with Primerica Advisors in Independence, OH. She holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to her advisory role, she worked at Extreme Networks and Fortune Brands Innovations. She is also involved in selling loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven strategies managed by third parties and supported by custodial services from Pershing. The firm operates at scale with nearly 4,000 advisors and approximately $15.5 billion in assets under management.

Zachary Higgins is a financial advisor at OSAIC with Series 63 and Series 66 credentials and two years of industry experience. He has previously been associated with Mass Mutual Investors Services and UBS Financial Services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm combines brokerage and advisory services with financial planning and offers portfolios that include a range of asset classes managed using firm-provided tools, third-party managers, and both discretionary and non-discretionary approaches.

James Egan is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America, Fifth Third Securities, and Fifth Third Bank. Merrill provides managed account services through the Select Portfolio Solutions program, serving a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s investment approach incorporates model-based, discretionary, and tax-aware strategies integrated within Bank of America’s broader platform.

Matthew Van De Motter is a financial advisor with Morgan Stanley in Pepper Pike, OH, holding a Series 63 license and with 34 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Citigroup Global Markets. He serves on the board of The Bicknell Foundation, where he helps oversee and evaluate the investment policy and management of the fund’s assets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individuals and institutions, with approximately $2.74 trillion in client assets under management. The firm provides tailored financial planning supported by proprietary tools and a structured process, serving clients through its Financial Advisors and Estate Planning Strategies Group.

Michael Cunningham is a financial advisor at Cetera with 17 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Cetera and its related entities since 2018. His prior experience includes roles at Foresters Financial Services and Foresters Advisory Services. Cunningham also serves as an OSJ principal and compliance principal for other financial and advisory businesses. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of investment and retirement services with various portfolio management options, leveraging multiple program structures and third-party managers.

Stephen Mihalek is a financial advisor with Morgan Stanley in Pepper Pike, OH, holding a Series 66 designation and 24 years of industry experience. Prior to his current roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2024, he worked at J.P. Morgan Securities from 2012 to 2024. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Craig George is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He previously worked at Edward Jones for 16 years before joining LPL Financial in 2025. Outside of his advisory work, he serves as Vice President of Natural Journey Farm LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, with access to model portfolios, research, and various management options.

Sarah Canitia is a financial advisor with Ameriprise in Columbia Station, OH, holding a Series 66 designation and five years of industry experience. She has been with Ameriprise since 2022 and previously spent eight years as a stay-at-home mother. Outside of her advisory role, she is involved with 2Uercus Operations LLC. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations, emphasizing the use of Ameriprise-managed accounts and a range of advisory, brokerage, and insurance solutions.

Katrina Pacyna is a financial advisor at UBS Financial Services with five years of industry experience. She holds a Series 66 designation and has worked at UBS since 2021. Prior to her current role, she was involved with St. Albert the Great School, where she supervised children during recess and assisted in the lunchroom. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm employs proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

William Di Menna is a CFP® with seven years of industry experience. He is affiliated with LPL Financial and Tyler-Stone Wealth Management, LLC, where he provides investment advisory services. His prior work includes roles at Insight2Profit, Designer Molecules Inc, and Jalenna Capital LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and institutional services.

Ryan Ketvertis serves as Senior Resident Director at Merrill, where he provides wealth management services tailored to the unique ambitions and priorities of his clients. He specializes in areas including divorce transition planning, family wealth management strategies, retirement income, philanthropic planning, and investment consulting for defined contribution plans, among others. Ryan utilizes a disciplined process that considers all aspects of a client's life and business to develop customized financial strategies, with a focus on regular reviews to ensure alignment with clients' evolving goals. Ryan joined Merrill in 2007 after a career in real estate and works as part of a team with over 50 years of combined industry experience. He holds a Bachelor of Science degree in Marketing from John Carroll University. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional role, Ryan is involved in coaching community youth sports programs. His personal interests include biking, golfing, spending time with family, and traveling.

Brett Wilson is a financial advisor with Primerica Advisors in Milan, Ohio, holding 13 years of industry experience. He has been affiliated with PFS Investments Inc. and Primerica Financial Services since 2012. Outside of his advisory work, Wilson owns a photography business, Brett Ashton Images, and operates The Old Wood Bridge Farm in Sandusky, Ohio. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors.

Daniel Ryder is a financial advisor with Mass Mutual Investors Services in Cleveland, OH, holding a Series 66 designation and bringing 25 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2005 and has also worked at Key Corp since 1998. Outside of his advisory role, he is active as an insurance agent specializing in life, disability, long-term care insurance, and fixed annuities. 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, charitable organizations, and employers. The firm uses firm-approved software and collaborative planning processes to deliver written recommendations and offers various event-driven planning programs along with educational seminars.

Lauren Sahlfeld is a financial advisor with J.P. Morgan Securities in Cleveland, OH, holding Series 63 and Series 65 credentials and with seven years of industry experience. She has worked at various J.P. Morgan entities since 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Lashawna Howard is a financial advisor with Primerica Advisors in Richmond Heights, OH. She holds a Series 63 designation and has eight years of industry experience. Prior to joining Primerica Advisors in 2017, she worked at GOJO Industries for ten years and has been affiliated with Primerica Financial Services since 2006. Outside of advising, she is involved in sales of loan products and home security referrals through affiliates of Primerica. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

David Livingston is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following earlier experience at Citigroup Global Markets. Outside of his advisory role, he serves as a trustee for a trust based in Sarasota, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and models.

Melissa Halloran is a financial advisor with Wells Fargo Advisors in Beachwood, OH. She holds a Series 63 designation and has 27 years of industry experience, including 11 years with Wells Fargo Advisors. Outside of her advisory role, she provides support staff services for an insurance business in Sarasota, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, using Wells Fargo research and planning tools to develop tailored recommendations.

Matthew Rains is a financial advisor at Charles Schwab with 28 years of industry experience. He has been with Charles Schwab since 1996 and Charles Schwab Bank SSB since 2005. He holds a Series 63 designation. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides a centralized structure for custody and brokerage services.