James Woods is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2011 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm’s approach includes structured discovery conversations and advanced planning tools, managing approximately $2.74 trillion in client assets.

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.

Janna Kepner is a financial advisor at Morgan Stanley with 23 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm offers a range of advisory programs including tailored financial planning that utilizes structured discovery processes and firm-approved tools.

Ruben Avila is a financial advisor with Primerica Advisors in Medina, OH. He holds Series 63 and Series 65 licenses and has recent experience at PFS Investments Inc. and Primerica Financial Services beginning in 2025. Prior to his advisory career, he worked at UPS for 34 years. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-driven investment strategies and operates at scale with approximately 3,935 financial advisors and $15.5 billion in assets under management.

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.

Kayrene Learned is a financial advisor with Charles Schwab, holding a Series 66 designation and 10 years of industry experience. She has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2018, with prior experience at Cetera Investment Advisors, Cetera Investment Services LLC, and First Federal of Lakewood. 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 mix of non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and research-driven guidance, supported by a large client base and integrated operational structure.

Gregory Locker is a financial advisor with Charles Schwab in Westlake, Ohio, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has been with Charles Schwab since 1997, including over two decades with Charles Schwab Bank. Outside of his advisory role, he owns a house rental business in Avon Lake, Ohio. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm’s model combines non-discretionary advisory with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and alternative investment options.

Alex Mckenna is a financial advisor with Equitable Advisors in Grafton, OH, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has worked at Equitable Advisors since 2013, including during the firm's affiliation with Axa Advisors. Outside of his advisory role, Mckenna provides operational support for Align K9 Training, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through third-party programs. The firm uses a hybrid referral and implementation model, combining advisory and brokerage services with a focus on individualized client assessments and a broad range of program options.

Patrick Holland is a financial advisor at UBS Financial Services in Westlake, OH, holding Series 65 and Series 63 licenses with 12 years of industry experience. He has been with UBS since 2016. Outside of his advisory role, he serves on the advisory group for the Huron Yacht Club, a private nonprofit, where he helps analyze financials and assist with budgeting and operational decisions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of products and research to tailor client strategies.

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.

Sean O'Reilly is a financial advisor with Wells Fargo Advisors in Westlake, OH, holding the CFP® designation and Series 63 and 65 licenses. He has 29 years of industry experience, including roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is involved in ownership of several related investment businesses, including STO Wealth Manager, LLC, and Your Bridge Wealth Management LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with other financial products and referral channels.

Emila Ashdown is a financial advisor at LPL Financial with four years of industry experience. She holds a Series 66 license and previously worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. Emila is also a licensed notary in Ohio. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, offering financial planning and multiple advisory programs through a national network of investment adviser representatives.

Brett Wilson is a financial advisor with Primerica Advisors in Milan, Ohio, holding 13 years of industry experience. He has been affiliated with PFS Investments Inc. and Primerica Financial Services since 2012. Outside of his advisory work, Wilson owns a photography business, Brett Ashton Images, and operates The Old Wood Bridge Farm in Sandusky, Ohio. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors.

John Clemens is a financial advisor with RBC Capital Markets in Westlake, OH, holding Series 63 and Series 65 registrations and bringing 47 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of finance, he serves as a board member for Town Homes of Ohio City and makes appearances for the Cleveland Cavaliers as a professional athlete. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations, offering a range of advisory programs with customized investment strategies implemented through internal and third-party managers.

Daniel Ryder is a financial advisor with Mass Mutual Investors Services in Cleveland, OH, holding a Series 66 designation and bringing 25 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2005 and has also worked at Key Corp since 1998. Outside of his advisory role, he is active as an insurance agent specializing in life, disability, long-term care insurance, and fixed annuities. Mass Mutual 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 uses firm-approved software and collaborative planning processes to deliver written recommendations and offers various event-driven planning programs along with educational seminars.

Burton Cipra is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 24 years of industry experience. He has been with LPL Financial, including its predecessor firm LINSCO/Private Ledger Corp., since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources and incorporating both discretionary and non-discretionary management approaches.

Peter Wojanowski is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 30 years of experience in financial industry wealth management and advisory services. Peter is a FINRA registered representative holding Series 7, 63, and 66 registrations, as well as licenses in life, annuity, and health insurance. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Senior Portfolio Advisor title, enabling him to manage custom investment strategies on a discretionary basis. His professional background includes providing personalized financial, retirement, and wealth management strategies to a diverse client base, including executives, attorneys, accountants, medical professionals, and small business owners. Throughout his career, Peter has worked in various locations including Newport Beach, California; Dallas, Texas; and Cleveland, Ohio, and is licensed to work with clients in multiple states. His areas of expertise encompass family wealth management, legacy planning, personal retirement planning, portfolio management, small business strategies, special needs planning, women and wealth, individual and corporate investment strategies, and retirement income. He emphasizes a personalized approach to developing financial strategies that align with clients' long-term goals. Peter attended The Ohio State University and The University of Akron with a major in finance. He holds a high school diploma from Archbishop Hoban. He is involved in his community through volunteer work and is affiliated with St. Basil the Great Church in Brecksville, Ohio. Outside of his professional work, his interests include biking, music, reading, skiing, traveling, and the arts. Peter lives with his spouse, Nelli, and their daughter Heather, an alumna of Case Western University.

Ryan Dorff is a financial advisor with UBS Financial Services, holding a Series 66 credential and bringing 10 years of industry experience. Prior to joining UBS in 2023, he worked for over a decade at Infinity Family Services, LLC. Outside of his advisory work, he serves on the board of Riptide Water LLC, a company that produces and sells sparkling water. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering proprietary research and a variety of financial products through a broad platform.

John Carpas is a financial advisor with Merrill in Akron, Ohio, holding Series 63 and Series 65 licenses and with 44 years of industry experience. He has worked at Merrill since 1990 and concurrently at Bank of America since 2009. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Richard Ward II is a financial advisor with Primerica Advisors in Elyria, Ohio, holding a Series 63 designation and over 30 years of industry experience. He has been with Primerica Advisors since 1995 and also works with the US Postal Service. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, with trading and custody services provided by Pershing and Primerica Brokerage Services.