Giovanni Ruggiero is a financial advisor with UBS Financial Services in Cleveland, OH, holding a Series 66 designation and 15 years of industry experience. He has been with UBS since 2010. He is a member of a committee at the Jesuit Retreat House, a nonprofit organization focused on organizing retreats and managing endowment investments and cash flow. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and provides proprietary research and a broad range of capital markets services.

Chelsea Stockhaus is a CFP® professional with six years of industry experience. She has worked at Edward Jones since 2019 and has prior experience with Cleveland Clinic, the Ohio Department of Developmental Disabilities, Lifetouch Portrait Studios, and Traveling Vineyard. Outside of her advisory role, she volunteers at a family-owned flower farm in Avon, Ohio. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,000 financial advisors nationwide and approximately $1.01 trillion in assets under management. The firm offers a range of investment strategies and affiliated services under a fiduciary standard.

Taylor Chmel is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. Prior to joining Merrill in 2026, Taylor worked at UBS Financial Services from 2016 to 2026. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kenneth Gable is a ChFC® with 33 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. His prior roles include positions at Metlife Securities Inc. and Metropolitan Life Insurance Company from 1993 to 2017. He also holds an outside insurance sales role focusing on life, disability, long-term care, and fixed annuities. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars using firm-approved analytical tools, with a focus on collaborative, annual planning relationships.

Mark Zody is a financial advisor with Charles Schwab in Westlake, OH, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked at Charles Schwab since 1995 and has held roles at Charles Schwab Bank and other firms including Arbonne International and Zody Geosciences. Charles Schwab serves a large client base of 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, combining extensive scale with an integrated operational structure.

David Frank is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 28 years of industry experience. He has been with Cetera since 2014 and concurrently serves at First Federal of Lakewood. Cetera Investment Advisers LLC is an SEC-registered firm that provides financial planning, portfolio management, and retirement services to individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers multiple program structures and access to both affiliated and third-party money managers, managing over $256 billion in assets.

Gregory Helms is a financial advisor with Ameriprise in Rocky River, OH, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Ameriprise and its affiliate since 2013. Helms serves as a trustee and treasurer for several local organizations, including Lakewood Park Cemetery and the Rocky River Aquatics Foundation. Ameriprise provides retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficient withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Sharon Mazur is a Series 63–licensed financial advisor with 23 years of industry experience. She is currently associated with Cetera, where she has worked since 2013, including within Cetera Wealth Services and Blue Line Financial. Mazur serves as a financial investment committee member for the Fraternal Order of Police Lodge #8, overseeing investment decisions and budget planning for the nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diversified portfolio management and consulting services through a multi-manager platform, enabling advisors to implement model portfolios, select third-party managers, or develop customized strategies.

Betty Brecht is a financial advisor with Robert Baird & Co. in Cleveland, OH, holding a Series 63 designation and bringing 29 years of industry experience. She has been with Robert Baird & Co. for 30 years since 1996. Robert Baird & Co.’s DDK Group, where Ms. Brecht is based, provides wealth management services to individuals, including high net worth clients, as well as corporate, pension, and charitable clients. The firm offers a range of advisory services that include financial planning, portfolio management, separately managed accounts, and municipal advisory services, supported by internal research and technology-driven tools.

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.

Bryce Ramer is a financial advisor at Raymond James & Associates with two years of industry experience. He holds Series 63 and Series 66 designations and has prior work experience at Ohio University and Beaver Area School District. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting with access to a range of portfolio management styles and affiliated research.

Michael Gromofsky is a financial advisor at Charles Schwab with 28 years of industry experience. He has been with Charles Schwab since 1996. He holds a Series 63 designation. Charles Schwab & Co., Inc. serves a large client base of 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 advisory guidance and access to discretionary separately managed accounts, relying on multi-asset model portfolios, alternative investment due diligence, and an integrated operational structure.

Matthew Rohde is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has worked at LPL Financial since 2020 and previously spent seven years at Cetera Advisor Networks LLC. 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 broad range of advisory programs, financial planning, retirement plan consulting, and brokerage services supported by in-house and third-party research and model portfolios.

Brian Mackert is a financial advisor with Morgan Stanley in Westlake, Ohio, holding a Series 66 designation and 22 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Outside of his advisory work, he is involved in managing a rental property business in Isle of Palms, South Carolina. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes firm-approved tools and models to assist clients in planning their financial futures.

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.

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.

Steven Bartos is a financial advisor with Stifel in Westlake, Ohio, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. Outside of his advisory work, Bartos owns and operates a small tree farm and is actively involved in youth wrestling programs, serving as head coach of Buckeye Youth Wrestling and president of the Buckeye Mat Club booster organization. Stifel serves a diverse client base including individual, institutional, and municipal clients, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies. The firm provides fee-based financial planning and engages in private fund services and municipal market activities.