Modesto Ruggiero is a financial advisor with UBS Financial Services in Cleveland, OH, holding a Series 63 designation and bringing 40 years of industry experience. He has worked at UBS since 2007 and also has a long tenure with Mcdonald Investments Inc. since 1998. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

John Kiss is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and previously worked at ROCKET Mortgage for five years. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various investment platforms.

Mason Linderbaum is a financial advisor with Charles Schwab in Richfield, Ohio, holding a Series 66 designation and possessing 22 years of industry experience. He has worked at both Retirement Plan Services, Inc. and Charles Schwab since 2003. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Michael Di Franco is a financial advisor at Mass Mutual Investors Services in Cleveland, OH, holding a Series 66 designation. He has one year of industry experience and previously worked at Flagstar Bank and in various customer service roles, including at Rego Brothers Lake Road Market. Outside of advising, he works as a team member in the deli department of a local grocery store. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative, goal-oriented planning engagements.

Kevin Applegate is a financial advisor at Ameriprise with 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005 and holds a Series 63 license. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Christina Taylor is a financial advisor with Ameriprise in Independence, OH, holding a Series 66 designation and 16 years of industry experience. Her prior roles include positions at Golden Reserve RIA, Bank of America, and Merrill Lynch. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing tax-aware retirement planning advice. The firm’s approach combines internal research and third-party data to focus on dependable income sources and asset allocation strategies within a defined investment universe.

Adam Toth is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has worked at Wells Fargo Clearing since 2016, with prior roles at Wells Fargo Advisors LLC and Edward Jones. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics to evaluate investment options and provides both brokerage and advisory solutions at scale.

Jack Langhals is a financial advisor at LPL Enterprise with Series 66 credentials and two years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Central Insurance. Outside of finance, he is involved in his family’s real estate and auction company. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products via an integrated platform.

Marie Chiarucci is a financial advisor at Ameriprise with 20 years of industry experience. She has been with Ameriprise and its predecessor entities since 2005. Outside of her advisory role, she serves as secretary on the board of the Riverwoods Homeowners Association and volunteers to provide free financial advice to widows through Wings for Widows. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations, supported by a centralized consulting team.

Kristy Wise is a financial advisor with Primerica Advisors in Independence, OH. She holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to her advisory role, she worked at Extreme Networks and Fortune Brands Innovations. She is also involved in selling loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven strategies managed by third parties and supported by custodial services from Pershing. The firm operates at scale with nearly 4,000 advisors and approximately $15.5 billion in assets under management.

Zachary Higgins is a financial advisor at OSAIC with Series 63 and Series 66 credentials and two years of industry experience. He has previously been associated with Mass Mutual Investors Services and UBS Financial Services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm combines brokerage and advisory services with financial planning and offers portfolios that include a range of asset classes managed using firm-provided tools, third-party managers, and both discretionary and non-discretionary approaches.

James Egan is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Fifth Third Securities and Fifth Third Bank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Van De Motter is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as at Citigroup Global Markets since 2005. Outside of his advisory role, he serves as a board member of The Bicknell Foundation, where he helps oversee philanthropic gifting and the investment management of fund assets. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured planning process. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Aaron Harbaugh is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at Equitable Advisors and various positions outside the financial sector. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Michael Cunningham is a financial advisor at Cetera with 17 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Cetera and its related entities since 2018. His prior experience includes roles at Foresters Financial Services and Foresters Advisory Services. Cunningham also serves as an OSJ principal and compliance principal for other financial and advisory businesses. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of investment and retirement services with various portfolio management options, leveraging multiple program structures and third-party managers.

Dylan Lanning is a Series 66-credentialed financial advisor at Raymond James Financial with three years of industry experience. He is also an associate and senior relationship manager at Western Reserve Resources Corporation. Prior to his financial services career, he held roles at various retail companies including Dunkin Donuts and Polo Ralph Lauren. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base ranging from individual investors to institutional clients. The firm uses analytical tools and risk profiling to provide tailored, non-discretionary investment consulting and supports a broad network of affiliated advisory firms.

Stephen Mihalek is a financial advisor with Morgan Stanley in Pepper Pike, OH, holding a Series 66 designation and 24 years of industry experience. Prior to his current roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2024, he worked at J.P. Morgan Securities from 2012 to 2024. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Alex Mckenna is a financial advisor with Equitable Advisors in Broadview Heights, OH, holding Series 63 and Series 66 designations and 12 years of industry experience. He has been with Equitable Advisors since 2013 and previously worked at Axa Advisors, LLC. Outside of his advisory work, he provides general operations support for Align K9 Training, LLC. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by offering financial planning, retirement plan consulting, and asset-management programs. The firm uses a variety of advisory models and third-party asset managers, providing a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Craig George is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He previously worked at Edward Jones for 16 years before joining LPL Financial in 2025. Outside of his advisory work, he serves as Vice President of Natural Journey Farm LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, with access to model portfolios, research, and various management options.

Sarah Canitia is a financial advisor with Ameriprise in Columbia Station, OH, holding a Series 66 designation and five years of industry experience. She has been with Ameriprise since 2022 and previously spent eight years as a stay-at-home mother. Outside of her advisory role, she is involved with 2Uercus Operations LLC. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations, emphasizing the use of Ameriprise-managed accounts and a range of advisory, brokerage, and insurance solutions.