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.

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.

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.

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.

Richard Lucas is a CFP® with 29 years of industry experience, currently serving at J.P. Morgan Securities since 2012. He has also worked with JPMORGAN Chase Bank, N.A. since 2006 and was involved with Space Dog Properties, LLC from 2005 to 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

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.

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.

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.

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.

Sarah Lance Welch is a financial advisor at Raymond James & Associates with 23 years of industry experience. She holds the Series 66 designation and has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Lewis Wentz is a financial advisor with Raymond James Financial Services Advisors, Inc. in Hudson, Ohio, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. He has been with Raymond James since 2015 and is also the owner of Hummer Entertainment, a holding company for a car collection. He founded Fear the Roo Collective LLC, a nonprofit supporting Akron University basketball, and serves as a director of the Wentz Family Foundation, involved in charitable donation decisions. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools to assist clients in achieving their goals and supports municipal and public finance work through unique affiliations.

Ryan Mcbride is a financial advisor at LPL Enterprise with Series 66 credentials and two years of industry experience. His prior work includes positions at The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management programs through an integrated platform combining advisory and brokerage channels.

Keith Smith is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 20 years of industry experience. He has been with Morgan Stanley since 2012 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Smith is the sole proprietor of AMK Hudson Realty, LLC. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and a wide range of investment services. The firm employs a structured financial planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

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.

Michele Cicciari is a CFP® professional with 24 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Her prior roles include positions at Wells Fargo Advisors LLC and A.G. Edwards & Sons, Inc. She serves as a board member for the Turnberry Homeowners Association in Medina, OH. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to a broad range of individual, corporate, and institutional clients.

Drew Adler is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors for 24 years. He is also an insurance agent offering fixed insurance products including fixed annuities, long-term care, and traditional life insurance through Aspen Court Financial. OSAIC serves a broad mix of retail and institutional clients, providing brokerage and investment advisory services, financial planning, and retirement consulting through a large network of advisers. The firm employs asset-allocation tools, risk tolerance assessments, and automated rebalancing to manage diverse portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.