Brent Stein is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been affiliated with Raymond James Financial Services Advisors, Inc. and related entities since 2015. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning supported by analytical tools and offers advisory programs alongside institutional consulting and portfolio management through a large network.

James Kartsonas is a financial advisor with Raymond James & Associates holding a Series 66 designation and one year of industry experience. His prior work includes roles at Raymond James, Erie Insurance, John Carroll University, and Peter's Township High School. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers financial planning, investment consulting, and municipal advisory services through a range of portfolio management strategies and affiliated resources.

Brian Giffin is a financial advisor with Raymond James Financial Services Advisors Inc., holding a Series 63 designation and possessing 32 years of industry experience. He has been associated with Raymond James since 2013 and is involved as the owner of Gripstah LLC, a company created for a new direct pay system. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored non-discretionary planning and uses analytical tools for outcome modeling, supporting a range of advisory programs and specialized municipal and public-finance work.

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.

Rita Endler is a financial advisor at Raymond James Financial with seven years of industry experience. She holds a Series 66 designation and previously worked at Janney Montgomery Scott LLC. Outside of her advisory role, she is involved with Waymaker Wealth Management, a separate business in Beaver, PA. 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, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and supports advisory programs and institutional portfolio management across a large network.

Nicholas Toy is a CFP® and CFA® with 23 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC and is a 40% owner of Early Bird Learning Center, a business unrelated to investments where he participates in business decisions and reviews records. Wells Fargo Clearing provides retirement plan consulting and fiduciary investment advice to qualified ERISA and non-qualified deferred compensation plans, employing an IPS-driven process grounded in modern portfolio theory and offering a range of investment options including insurance-related vehicles.

Adam Bernard is a CFP® professional with nine years of industry experience, currently serving as an Investment Advisor Representative at Raymond James Financial Services Advisors, Inc. He previously worked at Cambridge Investment Research Advisors and Equitable Advisors. In addition to his advisory role, Bernard operates an independent non-variable insurance business focused on fixed annuities and life insurance. 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, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports institutional consulting and portfolio management across a large advisor network.

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.

Jeffery Suhayda is a financial advisor at Ameriprise with 30 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1996. Outside of his advisory role, he is a financial planning partner and co-owner of DiamondOne, LLC, where he participates in executive management and strategic planning. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendations, supported by a centralized consulting team and a range of advisory, brokerage, and insurance solutions.

Bruce Joseph is a financial advisor with LPL Financial, holding a Series 63 designation and 37 years of industry experience. He previously worked for Cadaret, Grant & Co., Inc. for 37 years before joining LPL Financial in 2025. Joseph is also involved in non-variable insurance activities. 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 advisory programs and financial planning services, utilizing both discretionary and non-discretionary management with access to proprietary and third-party research and model portfolios.

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.

Tawni Marie Tunno is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has been with Raymond James since 2013 and also has worked at Covenant Partners since 2016. Outside of her advisory role, she has longstanding part-time employment with Victoria's Secret, where she is involved in merchandising and inventory. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers non-discretionary, tailored planning using risk profiling and analytical tools and supports clients through various advisory programs and specialized services such as municipal and public finance advisory and SIMPLE IRA employer consulting.

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.

Peter Loncar is a CFP® professional with 39 years of industry experience, currently affiliated with Raymond James Financial. He is the owner and president of Rivertowne Advisors LLC and has held roles at various Raymond James entities since 2015. Outside of his advisory work, Loncar owns an agricultural business involved in timber harvesting, landscaping, and honey production, as well as a private foundation he founded in 2022. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using various analytical tools and supports specialized programs such as municipal advisory and SIMPLE IRA Employer Advisory & Consulting Services.

William Payne is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at TIAA, Edward Jones, and The Huntington National Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Stephen Fisher Jr. is a financial advisor with Cetera, holding a Series 63 designation and bringing 29 years of industry experience. He has worked at Cetera since 2009 and also maintains a role at Farmers National Bank since 2009. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that supports model portfolios, third-party managers, and customized strategies.

Jeffrey Feaster is a financial advisor with J.P. Morgan Securities in East Liverpool, Ohio, holding a Series 66 designation and 11 years of industry experience. He has been with J.P. Morgan since 2015. Outside of his advisory role, he is involved in managing rental properties through Feaster Properties, LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and an ESG eligibility framework.

Christopher Guandolo is a CFP® with 26 years of industry experience and is currently an advisor at Raymond James Financial Services Advisors, Inc. He previously worked at Janney Montgomery Scott for 18 years. Outside of his advisory role, he owns a small used-car dealership through an S-Corp he manages with his brother. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a wide range of clients, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning and incorporates analytical modeling and risk profiling in its advisory approach.