April Mcmain is a financial advisor at Ameriprise with 13 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise and its affiliated entities since 2003. Outside of her advisory role, she is a 50% member of Collier and McMain LLC, an expense-sharing business entity. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, algorithm-assisted recommendations, primarily for clients holding assets in Ameriprise-managed accounts.

Scott Bauchmoyer is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2004 and joined Merrill Lynch in 2019. Scott focuses on helping clients develop potential solutions and providing investment guidance for individuals, their families, and their businesses by understanding their short- and long-term financial objectives. With over 18 years of experience, Scott specializes in managing new wealth, personal retirement planning, and retirement income. He emphasizes a relationship-based approach, working closely with his clients to create customized plans that use the present to help secure their future based on their unique priorities. Scott holds the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). Scott earned a bachelor's degree in Marketing from Miami University. He lives in Avon with his wife, Sadie, and their two children. Scott is active in his community and serves as the Secretary on the Board of Directors for Fedor Manor. He also dedicates time to volunteering with local organizations supporting seniors.

Amanda Penitz is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 21 years of industry experience. She has worked at Raymond James since 2017 and previously spent over a decade with Morgan Stanley in various capacities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on multiple portfolio management styles and affiliated research.

Nadia Karaba is a financial advisor with Equitable Advisors in Independence, OH, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she worked at Everstream Solutions and has experience in various roles including entrepreneurship with Pulp Smoothie and Juice Bar. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a variety of programs and third-party partnerships.

Joseph Morrow is a financial advisor with Primerica Advisors in Independence, OH, holding 11 years of industry experience. He has worked with Primerica Financial Services since 2004 and joined Evnases in 2024. Outside of investment 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 strategies and separately managed account options. The firm curates third-party asset managers and offers a tiered wrap-fee structure for its services.

Daniel Ruminski is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. His prior work includes roles at Ta Check Financial Ltd, LPL Financial, and SII Investments Inc. He is also the owner of a tax services business and serves as a board member for St. Patrick's Financial Board. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, using a variety of portfolio management approaches and platform options.

Beth Young is a financial advisor with Stifel in Fairlawn, OH, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. She has been with Stifel since 2007. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services with a proprietary investment methodology developed by its Investment Strategy Group. The firm provides fee-based financial planning and guidance for asset allocation, retirement, insurance, and estate planning.

Chadwic Schmeltzer 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 been with Charles Schwab since 1997 and with Charles Schwab Bank since 2005. Outside of his advisory role, he serves as treasurer for a local nonprofit supporting a school wrestling program. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, strategic multi-asset model portfolios, and integrated custody and brokerage services.

Nathan Petersen is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Ameriprise since 2012. Petersen serves as Treasurer on the Board of Directors for the Bay Mens Club and is a Trustee for the Bay Rockets Association, both community organizations in Bay Village, Ohio. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Jean Raab is a Series 66-licensed financial advisor with 33 years of industry experience, currently with UBS Financial Services since 2011. Prior to UBS, Jean has been associated with Mcdonald Investments Inc. since 1996. Outside of advisory work, Jean serves on the advisory committee for St Mary Choice Food Pantry, providing guidance on organizational activities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based strategies to tailor portfolios. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets and advisory solutions.

Joshua Clark is a Series 63-licensed financial advisor with Primerica Advisors, based in Wadsworth, OH. He has 13 years of industry experience and has been with Primerica Advisors and Primerica Financial Services since 2012. In addition to his advisory role, he owns Free & Fearless Financial Solutions, LLC, a legal entity formed for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, providing a tiered wrap-fee structure and maintaining oversight of its curated investment models.

Todd Musial is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and over 33 years of industry experience. He has been with Cambridge since 2011 and has operated his own independent financial and insurance services businesses since 1992. Outside of advising, Musial serves as a trustee for the North Olmsted Foundation and is involved with the North Olmsted Chamber of Commerce. Cambridge Investment Research Advisors serves a broad client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm provides various portfolio management options, including proprietary model strategies and access to unaffiliated managers, with both discretionary and non-discretionary implementations tailored to client objectives.

Eric Fuller is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He joined his father's practice, The Fuller Group, in 2005 and has since focused on helping clients plan for their futures and legacies. Eric serves as a Portfolio Manager and manages personalized or defined investment strategies on a discretionary basis, including the use of individual stocks and bonds, as well as various model portfolios. Eric holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst® (CIMA), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA). These credentials support his comprehensive approach to wealth management and investment planning. He graduated cum laude with a Bachelor of Science degree in Finance from Miami University in Oxford. A lifelong resident of Northeast Ohio, Eric lives with his wife, Lauren, a primary care physician, and their three children. Outside of his professional work, he enjoys golfing, skiing, and following Cleveland sports teams.

Alexander Ruiz serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, where he partners with clients to offer strategic, goal-based financial guidance aimed at building, protecting, and growing wealth with confidence and peace of mind. He focuses on a holistic approach to wealth management that connects all aspects of his clients' financial lives. With expertise in areas such as retirement planning, college education funding, legacy planning, liquidity management, and socially responsible investing, Alexander works closely with individuals, families, and businesses. He applies Merrill's goals-based wealth management methodology to translate complex financial concepts into clear and actionable strategies designed to preserve and grow wealth over time. Alexander holds a Bachelor's Degree from Case Western Reserve University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional duties, he values family, friendships, and maintaining a balanced life. His personal interests include baseball, cooking, football, music, and spending quality time with his family, which inform his emphasis on trust, consistency, and long-term relationships with his clients.

Kyle Utrup is a financial advisor with Charles Schwab & Co., Inc. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at Kohl's and the Office of First-Year & Student services. 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 combination of non-discretionary and discretionary investment management through multi-asset model portfolios and maintains a large-scale, integrated operational structure.

Michael Houser is a Series 66-registered financial advisor with Thrivent Investment Management, based in Westlake, OH. He joined Thrivent in 2026 and has previously worked in a variety of roles, including positions at Catawba Island Club and Bankers Life. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based planning across topics such as retirement, tax, estate, and business continuation. The firm offers these services through a network of advisors, combining planning with managed-account programs under consolidated billing options while keeping planning and management separate.

Serina Lopez is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Her prior roles include operating Serina Lopez Agency LLC and working at National General Insurance. Outside of her advisory work, she is a co-owner of SEAL Enterprise LLC, a rental property business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a range of households, pension plans, corporate clients, and charities. The firm offers various advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Eric Heilmann is a Series 66 licensed advisor with 24 years of industry experience. He has worked at Equitable Advisors since 2001, following his tenure at Axa Advisors, Llc. He is also a partner in EPIK Wealth Holdings LLC. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm uses a range of advisory models and third-party asset managers to deliver customized investment solutions.

Matthew Whitson is a ChFC® with 29 years of industry experience, currently affiliated with Osaic Wealth, Inc. He has worked with several firms including Lincoln Financial Advisors Corporation and MetLife Securities Inc. Whitson is also involved in fixed insurance sales. Osaic Wealth, Inc. serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations through a large network of financial advisers and advisory platforms. The firm offers a variety of investment and advisory services, utilizing asset-allocation tools and third-party managers to construct portfolios across multiple asset classes.

John Ruddy III is a financial advisor with Cetera who holds the Series 66 designation and has 24 years of industry experience. He has worked with Cetera and its affiliates since 2013 and also operates a tax and accounting business, WR Taxes, LLC, where he serves as a partner. Additionally, Ruddy has served as a firefighter with the City of Cleveland since 1993. Cetera Investment Advisers LLC is a large SEC-registered advisory firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that combines affiliated model portfolios, third-party managers, and bespoke strategies.