Michael Borato is a financial professional with 42 years of industry experience. He is currently affiliated with Cetera and Wealth Health, LLC, and holds a Series 63 designation. His work history includes over a decade at Cetera Advisors LLC and recent involvement with Wealth Health, LLC, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options and custodial relationships.

Lloyd Wright Jr. is a financial advisor at Edward Jones in Amherst, OH, holding a Series 66 designation with eight years of industry experience. He previously worked at IntelliNet Corporation from 2014 to 2018 before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, managing approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors.

James Bingham is a financial advisor with Ameriprise in Amherst, Ohio, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of advising, he is involved in media through Cluck Media, LLC, which focuses on golf lifestyle and architecture. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency strategies to deliver customized recommendation reports. As a large institutional firm, it offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

John Becker is a financial advisor with Ameriprise in Avon Lake, Ohio, holding a Series 63 designation and 26 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of advising, Becker is involved in several business ventures including co-ownership of retail operations and a tax preparation firm, and he serves on the investment committee for the Deaconess Foundation. He also provides pro bono financial planning services to a disabled military veteran through a program sponsored by the Financial Planning Association. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which emphasizes dependable income sources and tax-aware withdrawal strategies. The firm’s approach involves a centralized team producing detailed Recommendation Reports supported by proprietary research and third-party data, with implementation managed by the client or their advisor within a defined investment framework.

Thomas Chaplin is a financial advisor at Edward Jones in Vermilion, OH, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets and provides additional services including tax-efficient strategies, overlay services, and a fiduciary standard advisory approach.

Lisa Kopco is a financial advisor with Edward Jones who holds Series 63 and Series 66 licenses and has 14 years of industry experience. She previously worked at Key Investment Services LLC and KeyBank NA, with tenures spanning from 2007 to 2022. She is also a member of REK Investments, LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth and non-high-net-worth households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm offers a variety of advisory strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with a nationwide network of over 23,000 financial advisors.

John Wirtz is a financial advisor with LPL Financial in Avon Lake, OH, holding a Series 63 designation and 24 years of industry experience. His career includes prior roles at The Huntington Investment Company and FirstMerit Bank, N.A. He serves as an assistant coach at St. Ignatius High School. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement plan consulting supported by proprietary and third-party research and technologies.

Mohammad Khalil is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked in various roles at PNC Wealth Management, PNC Bank, and his own firm, MK Khalil LLC. He also has experience at Best Buy earlier in his career. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

William Cupach is a financial advisor with Ameriprise in Avon Lake, OH, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he owns Edsmark Consulting, a consulting business. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Robert Donofrio is a Series 66 licensed financial advisor with 19 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 12 years with AXA Advisors, LLC. His outside activities include involvement with AXA Equitable in non-variable insurance and a minor investment-related real estate rental activity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, various advisory programs, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Paul Hoffman is a financial advisor at Edward Jones with 10 years of industry experience. He served in the United States Air Force from 2013 to 2019 before joining Edward Jones in 2019. Hoffman is also an officer in the Ohio Air National Guard, where he manages a medical clinic. Additionally, he serves as trustee of the Hurt Family Trust. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and advisory services. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Michael Kowal is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. His prior firms include Cetera and Applied Marketing Group LLC, where he worked from 2013 to 2023 and 2017 to 2020, respectively. In addition to his advisory work, Kowal is involved with My MediChoice Network LLC, an insurance agency operating under the MediQuote brand. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs and portfolio management options supported by in-house and third-party research, with services spanning discretionary and non-discretionary management and leveraging technologies such as machine learning.