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.

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 previously worked at Tyler-Stone Wealth Management and has provided tax preparation services through Hupp Tax Service since 2016. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives and extensive operational resources.

Daryl Martin is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at several firms including Fidelity Investments, Bank of America, and E*TRADE. Outside of his advisory role, Martin owns DKM Capital LLC, a business focused on purchasing, renovating, and reselling physical real estate. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions.

Thomas Massey is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He worked at UBS Financial Services Inc. for 18 years prior to joining Raymond James in 2026. Massey serves as a board member and advisory trustee for the Geauga County YMCA and participates on the Board of Directors for the Academy of Certified Portfolio Managers, assisting candidates pursuing the Certified Portfolio Manager credential. Raymond James & Associates is a large broker-dealer and registered investment adviser managing roughly $501 billion in assets, serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and consulting services with a variety of portfolio management styles and municipal advisory services, supported by an extensive affiliate network.

Matthew Rohde is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Cetera Advisor Networks, Cetera Wealth Services, and Financial Management Strategies, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with a focus on combining technology tools and comprehensive financial services.

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.

Ryan Mcbride is a financial advisor with LPL Enterprise, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Enterprise, he worked at The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Brian Lafata is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has worked with Key Investment Services, LLC and Key Bank prior to joining Cetera. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and advisory services through a multi-manager platform with access to affiliated and third-party managers.

Christis Georgiou is a financial advisor with Raymond James Financial in Cleveland, OH, holding Series 63 and Series 65 credentials and over 34 years of industry experience. He has been associated with Raymond James and its related entities since 1993 and also holds a nominal ownership position in Iliada Asset Management LLC for accounting purposes. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm provides tailored, non-discretionary planning and uses advanced analytical tools to support client goals, with specialized municipal and public-finance services as well as customized retirement plan advisory solutions.

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 at Equitable Advisors with three years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, PNC Bank, and Levin Furniture. Gallik is also registered as an RSA for Michael Leonakis. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through various advisory programs and third-party managers.

Sabrina Maghes is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. She has held multiple roles within JPMorgan Chase Bank and J.P. Morgan Securities since 2023. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Drew Adler is a financial advisor at OSAIC with 32 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Lincoln Financial Advisors for 24 years. Additionally, he is an agent offering fixed insurance products, including fixed annuities, long-term care, and traditional life insurance. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, employing a range of portfolio construction tools and offering discretionary and non-discretionary account management.