Hannah Ritchie is a financial advisor at Ameriprise with a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, she worked in education roles at Warren City Schools and Canton City Schools, and attended Youngstown State University. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Hayden Dattilio is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at Youngstown State. Outside of finance, he is involved in the restaurant industry as a server and bartender at Belleria Pizza and Restaurant. Equitable Advisors serves a broad range of clients including individuals, pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of advisers, utilizing both proprietary and third-party investment solutions.

Sandra Baylor is a financial advisor with Cetera, holding a Series 63 designation and 23 years of industry experience. She has worked at Cetera since 2006 and is also president of Baylor Services, Inc., a tax and accounting firm founded in 2014. Outside the financial sector, she owns Sandolay, Inc., a business specializing in small crafts and handmade novelty items, and is a member of the Youngstown Warren Regional Chamber. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors. The firm serves individual and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Michael Bruno is a financial advisor at Ameriprise with 19 years of industry experience, holding a Series 66 designation. He has been with Ameriprise and its affiliate Ameriprise Financial Services since 2007. Outside of his advisory work, Bruno is involved in officiating football at the junior high, high school, and college levels. Ameriprise Financial Services is a large, diversified 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.

Howard Vari is a financial advisor at LPL Financial with 45 years of industry experience. He previously worked at Wells Fargo Advisors Financial Network LLC and Wells Fargo Clearing, spanning a combined 16 years. He holds Series 63 and Series 65 licenses and is also a Notary Public. 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, model portfolios, third-party asset management, and participant-level retirement advice.

Christopher Depaola is a financial advisor with Mass Mutual Investors Services in Boardman, OH, holding CFP® and Series 63 designations, and has 15 years of industry experience. He has worked at MassMutual Life Insurance Company and Mass Mutual Investors Services since 2010. Outside of his advisory role, he is a sales agent with the American Veterinary Medical Association for life, property/casualty, and health insurance. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering collaborative planning engagements using firm-approved analytical tools and a range of investment programs.

Sarah Walker is a financial advisor with Ameriprise in Boardman, OH, holding a Series 63 designation and 31 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its advisory approach and delivers recommendations through a centralized consulting team, emphasizing managed accounts and algorithmic support in its planning process.

Kelcie Schiraldi is a CFP® and PFS™ credentialed financial advisor with nine years of industry experience. She is currently with LPL Financial and has previously worked at OSAIC, Sagepoint Financial, Voya Financial Advisors, Farmers Trust Company, and HBKS Wealth Advisors. Outside of her advisory role, she manages Living Stone Wealth Management, a separate business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, utilizing a variety of investment strategies and operational tools for account management.

Nicholas Romeo is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. His prior roles include positions at OSAIC, SagePoint Financial, and Bury Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions utilizing various investment strategies and advisor tools.

John Beato is a financial advisor at Osaic with 25 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Osaic in 2023, he held positions at Bank of America and Merrill. Beato is also an insurance agent, selling fixed annuities, life insurance, and long-term care products. Osaic Wealth, Inc. serves a diverse clientele including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across various investment vehicles.

Adam Bernard is a CFP® and Series 66 licensed financial advisor with 10 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Cambridge Investment Research and Equitable Advisors. Bernard also operates an independent non-variable insurance business focusing on fixed annuity and life insurance products. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, charitable organizations, and institutional clients. The firm provides non-discretionary planning tailored to client goals and supports its advisory network with institutional consulting and portfolio management.

Zel Bush is a ChFC® credentialed financial advisor with 34 years of industry experience, currently with Raymond James Financial. He previously worked at Cambridge Investment Research Advisors and LPL Financial. Outside of his advisory role, he is a co-owner of Z Squared Inc., a private business shared with his brother. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports advisory programs along with institutional consulting and portfolio management.

William Klim Jr. is a financial advisor with Raymond James Financial, holding a Series 63 designation and 24 years of industry experience. He previously worked for Cambridge Investment Research and Cambridge Investment Research Advisors for 13 years. Klim also serves as an insurance agent, owning and operating several insurance-related businesses focused on non-variable life, long-term care, disability, and Medicare products in Northeast Ohio. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, and institutional clients. The firm offers tailored, non-discretionary investment consulting using various analytical tools and supports municipal and public finance work through an affiliated municipal advisor.

Darin Hasson is a financial advisor with Ameriprise in East Palestine, OH, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its related entities since 2005. Hasson owns Integrated Professional Partners, LLC, a legal entity established to manage his Ameriprise practice. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional financial services provider.

Bruce Joseph is a financial advisor at LPL Financial with 37 years of industry experience. He holds the Series 63 designation and previously worked for Cadaret, Grant & Co., Inc. from 1988 to 2025. Outside of advisory work, he is involved in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Gary Hesselgesser is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Cetera Investment Advisors LLC and Cetera Investment Services LLC since 2014. He also has a role at First National Bank of Pennsylvania where he has worked since 2006. Outside of Cetera, he is involved in fixed life insurance sales and receives compensation for referrals to the First National Bank Trust Department. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors and operates a multi-manager platform with a broad range of investment program options.

Michael Busin II is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. He has worked in various roles at Cetera and First National Bank of Pennsylvania since 2013. In addition to his advisory role, Busin serves as a portfolio manager for First National Bank of Pennsylvania, supporting the commercial banking team in the Northwest region. Cetera Investment Advisers LLC is an SEC-registered firm that provides a broad range of investment and financial planning services through a nationwide network of independent advisors. The firm serves individual, retirement plan, corporate, charitable, and institutional clients, offering multiple program structures and access to both affiliated and third-party asset managers.

Todd Bury is a financial advisor with LPL Financial in Youngstown, OH, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Sagepoint Financial, OSAIC, and American General Securities. He maintains a separate business entity, Todd M Bury Inc, for non-investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, and access to third-party asset management, delivering advice through a large network of investment adviser representatives utilizing various strategic and tactical investment options.

Ryan Miller is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 license and six years of industry experience. Prior to his current role, he worked at Cambridge Investment Research Advisors and has experience as an independent insurance agent offering life, disability, Medicare, and health insurance products through multiple agencies. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm uses tailored, non-discretionary advisory services supported by analytical tools and also offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

David Clementi is a financial advisor at Equitable Advisors in Youngstown, OH, holding a Series 66 designation with three years of industry experience. Prior to his current role, he worked in various capacities including roles at Christ for all Nations and Light of Life Rescue Mission. He is also an author of a non-investment book published in 2025. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a mix of firm-managed and third-party advisory solutions.