Jeffrey Urbin is a financial advisor at Morgan Stanley in Avon Lake, Ohio, holding a Series 66 designation with 15 years of industry experience. He previously worked at PNC Investments from 2015 to 2021 before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Mike McDermott is a Financial Consultant at Fidelity Investments, where he has been serving since 2024. He has progressed through several roles within the company, including Investment Consultant, Financial Representative, and Customer Relationship Advocate, all during his tenure beginning in 2022. In his current role, he works with individuals and families to develop personalized financial strategies that align with their goals and preferences. His expertise includes investment planning, risk management, and retirement strategies. Mike emphasizes building lasting relationships with clients based on trust and transparency. His approach involves guiding clients through complex financial decisions with confidence. Outside of his professional work, Mike has interests in cars, fitness, football, social events with friends, reading, and traveling.

Julie Taylor is a financial advisor at Raymond James & Associates with 17 years of industry experience. She holds a Series 66 designation and has previously worked at Merrill, Wells Fargo Clearing Services, ValMark Advisers, and Resource Strategies. Outside of her advisory role, she serves as a trustee and holds power of attorney for her mother-in-law’s trust. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations through its Wealth Advisory Services Program and supports institutional consulting and public finance activities.

Ann C Lutz is a financial advisor with UBS Financial Services in Cleveland, OH, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with UBS since 1988. Outside of her advisory role, she serves on the boards of several nonprofit organizations, including Vocational Guidance Services and Malachi House, and participates in strategic and investment committees for Magnificat High School. UBS Financial Services provides brokerage and investment advisory solutions to individual, corporate, and institutional clients. The firm offers a range of services including fee-based financial planning and portfolio management, combining institutional trading capabilities with wealth management and proprietary research to tailor client investment strategies.

Anna Gerber is a financial advisor at Merrill with a Series 66 credential and 10 years of industry experience. She has been with Merrill since 2014. Outside of her advisory role, she works part-time as a retail clothing store clerk in Westlake, Ohio. 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 to individuals, high-net-worth clients, pension plans, and other institutional investors.

Mark Vlacovsky is a financial advisor at Cetera with Series 63 and Series 65 credentials and three years of industry experience. His work history includes multiple roles within Cetera-affiliated firms as well as independent financial management. Outside of advising, he has been involved in several business management activities spanning over a decade. Cetera Investment Advisors LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and affiliated model providers, supporting over 10,000 advisors and managing assets in excess of $256 billion.

Chad Vidovich is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2021. His professional role involves collaborating closely with clients to understand their unique financial circumstances and to simplify complex financial concepts. He utilizes Fidelity's resources and platform to create and implement effective financial plans tailored to individual needs. With over twenty years of experience in the financial advisory industry, Chad has held several positions including Vice President and Senior Financial Consultant at Charles Schwab & Co., Inc. from 2003 to 2021. Prior to that, he worked as a Financial Advisor at Charter One Securities, UBS PaineWebber, and American Express Financial Advisors between 2000 and 2003. Outside of his professional life, Chad's personal interests include spending time at the beach, cooking and baking, exploring food culture, playing golf, and traveling.

Peter Bahner is a CFP® with 12 years of industry experience, currently affiliated with LPL Enterprise. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. He serves as a nonprofit board member for Bowling Green State University. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, combining adviser programs with insurance products and lending services.

Christina Stein is a financial advisor at Morgan Stanley in Westlake, OH, holding Series 63 and Series 65 licenses with 25 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she owns and manages a rental property in North Ridgeville, OH. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and scenario modeling, offering advisory services without individual security recommendations as part of its standalone planning program.

Dana Banyasz is a financial advisor at Edward Jones with 17 years of industry experience. He has been with Edward Jones since 2008 and holds a Series 66 designation. Outside of his advisory role, Banyasz serves on the Board of Trustees for Padua Franciscan High School in Parma, OH. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies and advisory programs. The firm manages over $1 trillion in assets and operates through a large nationwide network of financial advisors and branch offices.

Kevin Doss is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2006. Doss serves as a board trustee for Ashland University. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individual investors, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals using a variety of portfolio management and platform solutions.

Christopher Dorrance is a financial advisor with OSAIC in Independence, OH, holding a Series 66 designation and 19 years of industry experience. He previously worked at Triad Advisors, Inc. for 14 years before joining OSAIC in 2024. Outside of his advisory role, Dorrance serves as treasurer for the First Presbyterian Church of Hudson and sits on the board of directors for Dorrance Supply Company, an appliance and electronics distributor. He also participates on the finance committee of Lake Forest Country Club. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services including financial planning, retirement plan consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios that include various asset classes and supports both discretionary and non-discretionary account management.

Chase Mc Greevey is a financial advisor at J.P. Morgan Securities with three years of industry experience. He previously worked at Keycorp for 19 years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Jordan Buck is a Planning Consultant at Fidelity Investments, where he develops engagement strategies tailored to support each client's unique planning needs. He has been in this role since 2021. Prior to this, Jordan worked as a Participant Services Representative at Charles Schwab from 2018 to 2021. His professional experience centers on client engagement and financial planning strategies. Outside of his professional work, Jordan enjoys gardening, hiking, outdoor adventures, parenthood, and soccer.

Patricia Kelley is a financial advisor with UBS Financial Services in Westlake, OH, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has been with UBS since 2007. Patricia serves as a corporate roundtable member for the Corporate Sustainability Network at Cleveland State University and has acted as a trustee for the Sisters of the Humility of Mary charitable trust. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management, using proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Michael Kertes is a CFP® with 39 years of industry experience, currently serving at J.P. Morgan Securities in Cleveland, OH. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012 and has operated as a self-employed advisor since 1999. Kertes is involved with the Ohio Society Sons of the American Revolution as a finance committee member and holds a vice chairman position on the consolidated funds committee of the Western Reserve Society Sons of the American Revolution. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Anthony Kania is a financial advisor with LPL Enterprise holding a Series 66 credential and four years of industry experience. He has previously worked with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory roles, he has been involved with Saginaw Valley University since 2017. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model portfolio programs, third-party asset management, and access to a range of brokerage and insurance products through an integrated platform.

Patrick Hammer is a financial advisor with Cambridge Investment Research Advisors in Richfield, Ohio, holding Series 63 and Series 65 credentials and 40 years of industry experience. He has been with Cambridge Investment Research Advisors since 2007. Outside of his advisory role, he is involved in independent insurance agency activities and owns a farm business. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and estates, providing financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm offers a range of investment implementation options across various custody platforms, maintaining proprietary models and access to unaffiliated strategists, with a focus on tailored client strategies.

Mary Podwoski is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and previously worked at Merrill from 2009 to 2022 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning through structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services that include estate planning strategies and corporate financial planning agreements.

Scott Gehlbach is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, retirement income, portfolio management services, and planning for special needs, endowments, foundations, and non-profits. Scott works closely with clients to develop personalized financial strategies tailored to their long-term goals and changing market conditions. He holds a Bachelor's Degree from The Ohio State University and maintains the professional designation of Personal Investment Advisor (PIA). Scott emphasizes a client-focused approach supported by Merrill's extensive resources to help clients pursue their envisioned futures. A native of Northeast Ohio, Scott lives in Rocky River with his wife, two children, and their German shepherd. He enjoys spending time with family and friends and is a Cleveland sports fan. His personal interests include boating, camping, fishing, golfing, hiking, music, racquetball, and skiing. Scott also actively participates in community volunteering in line with Merrill’s tradition of community involvement.