Joseph Licate is a financial advisor at Raymond James & Associates with 48 years of industry experience. He previously worked for UBS Financial Services Inc. for 18 years. He holds Series 63 and Series 65 credentials. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, pension plans, corporations, and government entities. The firm offers wealth advisory planning and investment consulting through non-discretionary strategies, supported by extensive research and a range of affiliate capabilities including municipal finance services.

Eric Ziegler is a financial advisor at Edward Jones in Kirtland, Ohio, holding a Series 66 designation with seven years of industry experience. He has worked at Edward Jones since 2018 and concurrently at Quicken Loans since 2011. Outside of his advisory role, Ziegler serves as a Council Member at Large for the City of Kirtland and is an assistant high school football coach for Kirtland Local Schools. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products through a nationwide network of financial advisors and branch offices.

Michael Vary Jr. is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley and its Private Bank since 2016. Outside of his advisory role, he is a sole proprietor in a residential rental property business in Cleveland, Ohio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured planning tools and broad investment resources.

Gregory Helms is a financial advisor with Ameriprise in Rocky River, OH, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Ameriprise and its affiliate since 2013. Helms serves as a trustee and treasurer for several local organizations, including Lakewood Park Cemetery and the Rocky River Aquatics Foundation. Ameriprise provides retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficient withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Sharon Mazur is a Series 63–licensed financial advisor with 23 years of industry experience. She is currently associated with Cetera, where she has worked since 2013, including within Cetera Wealth Services and Blue Line Financial. Mazur serves as a financial investment committee member for the Fraternal Order of Police Lodge #8, overseeing investment decisions and budget planning for the nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diversified portfolio management and consulting services through a multi-manager platform, enabling advisors to implement model portfolios, select third-party managers, or develop customized strategies.

Robert Apple is a financial advisor at LPL Financial with 36 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Raymond James & Associates from 2014 to 2020. Outside of his advisory role, he is associated with Robert A. Apple, LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to research, model portfolios, and various investment strategies.

Betty Brecht is a financial advisor with Robert Baird & Co. in Cleveland, OH, holding a Series 63 designation and bringing 29 years of industry experience. She has been with Robert Baird & Co. for 30 years since 1996. Robert Baird & Co.’s DDK Group, where Ms. Brecht is based, provides wealth management services to individuals, including high net worth clients, as well as corporate, pension, and charitable clients. The firm offers a range of advisory services that include financial planning, portfolio management, separately managed accounts, and municipal advisory services, supported by internal research and technology-driven tools.

Rogelio Rangel is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. He has worked with Cetera Wealth Services, LLC since 2018 and has prior experience at Envestnet Inc. In addition to his advisory role, he is a registered representative at Vantage Financial Group, Inc. and participates as an administrative assistant with Vantage Settlement Advisory Group, assisting with class action administration. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, providing access to affiliated and third-party investment strategies across various program structures.

Michael Ruhrkraut is a financial advisor with Cetera Investment Services LLC and Cetera, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior experience includes roles at Foresters Advisory Services LLC and Foresters Financial. Outside of his advisory work, he owns Cleveland Securities, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm provides portfolio management, financial planning, and consulting through a multi-manager platform with a range of discretionary and non-discretionary program options.

Nancy Vesel is a Series 66-licensed financial advisor with Ameriprise in Independence, OH, and has 13 years of industry experience. She previously worked at NEXT Financial Group for nine years before joining Ameriprise in 2020. Outside of her advisory work, she manages a food production and sales business called Happy Cookie Jar and serves as a trustee for a land development entity. Ameriprise provides retirement-income planning services primarily for clients with at least $1 million in net investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations through a centralized consulting team.

David Downing is a financial advisor with Osaic Wealth, Inc. holding a Series 66 designation and 24 years of industry experience. He previously worked at Lincoln Financial Advisors and Lincoln Financial Corporation for a combined total of 24 years before joining Osaic in 2025. Outside of his advisory role, he acts as a life insurance broker and agent, offering life, disability, long-term care insurance, and fixed and indexed annuities to clients. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset allocation tools, risk-tolerance assessments, and access to third-party managers to construct portfolios across various asset classes.

Kristen Mignogna is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. She has provided investment advisory services through Tyler-Stone Wealth Management and has maintained involvement with Hupp Tax Service as a tax preparer since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement consulting, with both discretionary and non-discretionary management options.

Daryl Martin is a financial advisor at Merrill with 11 years of industry experience and holds the Series 66 designation. His prior roles include positions at Fidelity Investments, Bank of America, E*TRADE, and JP Morgan. Outside of his advisory work, he owns DKM Capital LLC, a business involved in purchasing, renovating, and reselling real estate. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Thomas Massey is a financial advisor at Raymond James & Associates with 39 years of industry experience. He previously worked at UBS Financial Services Inc. for 18 years. Massey serves as a board member and advisory trustee with the Geauga County YMCA and is involved with the Academy of Certified Portfolio Managers, where he serves on the board of directors and supports credential candidates through tutoring and oversight. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 advisors. The firm provides wealth planning and investment consulting, serving a diverse client base that includes individuals, institutional clients, and government entities, and offers integrated investment and public finance services.

Christian Hammer Huber is a financial advisor with Ameriprise in North Royalton, OH, holding Series 63 and Series 65 credentials and over 33 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is the owner and founder of Double H Services, LLC, a consulting business, and participates in ridesharing on a limited basis. He also engages in fractional ownership of artwork and collectible wines. Ameriprise serves individuals approaching or in retirement with a retirement-income planning service that combines research, modeling, and tax-efficiency analysis to deliver customized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Kenneth Washington is a financial advisor at Primerica Advisors with 12 years of industry experience. He has worked at Primerica since 2013 and previously spent 27 years at Ferro Corporation. Outside of advising, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Kristie Kwiatkowski is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 21 years before joining Morgan Stanley. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach uses structured discovery conversations and firm-approved tools without providing individual security recommendations as part of standalone plans.

Cherie Byrd is a financial advisor with Morgan Stanley in Cleveland, OH, holding Series 63 and Series 65 credentials and with 29 years of industry experience. She has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm offers advisory programs that include tailored financial planning using firm-approved tools and a structured discovery process.

Michael Foliano is a Senior Financial Advisor at Merrill Lynch Wealth Management. He supports clients by creating wealth management strategies that adapt to changing market conditions and align with clients' priorities. His approach includes leveraging investment insights from Merrill and banking and lending solutions from Bank of America. Michael’s professional expertise covers a range of areas including college education planning, divorce transition planning, family wealth management strategies, employee financial health, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation, as well as credentials as a Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). He earned a high school diploma from Solon and a bachelor’s degree from Kent State University.

Jennifer Lindsey is a financial advisor at Merrill with Series 66 and Series 63 credentials and four years of industry experience. She previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2021 to 2025. Outside of her advisory roles, she has been involved with Revolution Dog and JandJ10 LLC. 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 including individuals, high-net-worth clients, and institutional investors.