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.

Ronald Baldari is a financial advisor at LPL Financial with 24 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley, JP Morgan Securities LLC, and Ameriprise Financial Services, Inc. prior to joining LPL Financial. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, with discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

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.

Bryce Ramer is a financial advisor with Raymond James & Associates, holding Series 66 and Series 63 credentials, and has one year of industry experience. His background includes work at Ohio University and the Beaver Area School District prior to joining Raymond James. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and government entities. The firm provides wealth advisory planning and investment consulting through non-discretionary programs, with a notable presence in municipal and public finance markets.

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.

Richard Lucas is a CFP® with 29 years of industry experience, currently serving at J.P. Morgan Securities since 2012. He has also worked with JPMORGAN Chase Bank, N.A. since 2006 and was involved with Space Dog Properties, LLC from 2005 to 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

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.

Ryan Mcbride is a financial advisor at LPL Enterprise with Series 66 credentials and two years of industry experience. His prior work includes positions at The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management programs through an integrated platform combining advisory and brokerage channels.

Christis Georgiou is a financial advisor with Raymond James Financial in Cleveland, OH, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked with Raymond James Financial Services, Inc. since 1993 and has been involved with Iliada Asset Management LLC since 2013, primarily for accounting purposes. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and investment recommendations supported by firm research and a broad affiliate network.

Timothy Finster is a financial advisor with MassMutual Investors Services in Cleveland, OH, holding 17 years of industry experience. He has worked with Skylight Financial Group and MassMutual Financial Group since 2007. Outside of his advisory role, he serves as a board member of NAIFA Cleveland, focusing on insurance awareness for producers. MML 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 emphasizes annual, collaborative financial planning relationships and offers specialized programs including divorce planning, estate-settlement, and employer-sponsored planning.

Andrew Gallik is a financial advisor with Equitable Advisors in Independence, Ohio, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Merrill, and PNC Bank. He also serves as a registered representative for Michael Leonakis. Equitable Advisors provides financial planning, retirement plan support, and access to asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid advisory and brokerage model, utilizing third-party asset managers and LPL programs to tailor investment solutions.