Steven Cochran Jr. is a financial professional at OSAIC with 16 years of industry experience. He holds a Series 7 and Series 66 designation and has been with Savage and Associates since 2010. Outside of his financial career, Cochran serves as a head coach and instructor for a youth hockey team, providing coaching and skating lessons. OSAIC is a large SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base, including individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and employs a technology-driven investment process that incorporates risk tolerance assessments, asset allocation software, and portfolio optimization tools.

Chad Clay is the sole advisor at Glass City Capital Management, LLC in Maumee, OH, holding a Series 65 credential with seven years of industry experience. Before founding his firm in 2018, he worked as an investor and previously served for eleven years with the City of Springfield, Illinois Fire Department. His background includes experience as a firefighter and EMT. Glass City Capital Management is an independent, fee-only firm providing discretionary investment management focused on long-term capital appreciation for individuals and various entities. The firm emphasizes a concentrated, actively managed equity strategy built around a core “best ideas” approach, typically holding five to forty individual securities with a preference for large-cap companies.

Andreas Juarez is a financial advisor at Juarez, Andreas with one year of industry experience. He holds a Series 65 designation and has prior work history including roles at JDA TSG, Amazon LLC, Stellantis, Ohio State University, and Lowe's. Outside of advising, he owns and operates a tax preparation business serving individual clients. His firm, Midwest Guidance LLC, is a state-registered investment adviser that serves individual and high-net-worth clients with a value-oriented investment approach. The firm manages accounts on a discretionary basis and emphasizes fundamental analysis while maintaining conflict controls and client-focused policies.

Jason Born is a CFA charterholder and Series 63 licensee with 13 years of industry experience. He has been the sole advisor at Stirling Bridge Wealth Partners, LLC since 2015. Outside of advisory work, he is a self-published author of non-investment related material. Stirling Bridge Wealth Partners provides discretionary portfolio management and integrated financial planning primarily for high-net-worth individuals, families, and some charitable organizations. The firm employs a mix of fundamental, cyclical, and quantitative analysis within documented investment policy statements and uses both long- and short-term trading and options strategies under discretionary authority.

Corey Selhorst is a financial advisor at Selhorst Services Inc. with seven years of industry experience. He holds a Series 65 designation and has worked at Bowling Green State University since 2019, where he is a senior financial accountant. Additionally, he provides seasonal tax advisory services as an independent contractor for Intuit TurboTax. Selhorst Services provides tax preparation, tax planning, financial planning, and investment advisory services with a focus on comprehensive financial planning. The firm uses historical asset-class analysis and diversification strategies to develop asset allocations tailored to clients’ risk tolerances and time horizons, emphasizing expense minimization and tax efficiency, while not managing assets or maintaining custody of client funds.

Kelsey Burke is a financial advisor at Apricity Financial Planning with 11 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked nine years at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advisory work, she is involved in podcasting and movement/mindfulness instruction. Apricity Financial Planning is a fee-only independent investment adviser serving individuals, high-net-worth clients, and small businesses. The firm emphasizes asset allocation and Modern Portfolio Theory in its investment approach, using primarily mutual funds and ETFs with a passive management style, and offers ongoing financial planning along with educational seminars and speaking engagements.

Scott Osborn is a financial advisor at Patriot Wealth Planners LLC with seven years of industry experience. He holds a Series 65 designation and has worked in business consulting through Scott Osborn Consulting, LLC since 2020. Outside of finance, he is a manager at Whirlpool Corporation and serves as a commander in the Ohio Army National Guard, where he oversees training programs for enlisted soldiers. Patriot Wealth Planners provides financial planning and consulting services focused on third-party manager referrals for individuals, high net worth clients, trusts, and estates. The firm does not manage assets directly but helps clients select and work with third-party managers while delivering comprehensive financial plans and periodic reviews.

David Macino is the sole advisor at Macino Financial, LLC in Holland, Ohio, holding Series 63 and Series 65 designations with 15 years of industry experience. He founded Macino Financial Services and has worked there since 2013, including a period at Virtue Capital Management from 2015 to 2018. Macino also manages an independent insurance business specializing in life, health, and fixed annuities. Macino Financial provides individualized investment management and financial planning for individual clients, offering written financial plans, hourly consulting, and discretionary portfolio management. The firm emphasizes asset allocation, tailored investment policy statements, and quarterly reviews, using both direct portfolio implementation and recommended third-party managers via the Betterment for Advisors platform.

Derick Gant is the sole advisor at Gant Investment Advisors, Inc., an independent firm based in Toledo, OH. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. Since founding his firm in 2009, he has also engaged in budget planning and debt reduction consulting, as well as the sale of insurance and annuity products through affiliated businesses. Gant Investment Advisors provides portfolio management and advisory services to individual clients, managing approximately $1.8 million across around 40 accounts. The firm employs a long-term, buy-and-hold strategy focused on low-cost index funds and short-duration fixed income, with portfolios rebalanced annually and managed primarily on a discretionary basis.

Randall Johnson is a financial advisor at Candela Financial in Toledo, OH, holding a Series 65 license with one year of industry experience. Prior to his current role, he has worked in tutoring and education, including positions at Ottawa Hills Local Schools and his own tutoring business, Randall Johnson Tutoring, where he provides chemistry and math instruction to K-12 students. He also owns and operates a tax planning and preparation service for individuals and small businesses. Candela Financial offers wealth management services to individuals, high-net-worth clients, and residency programs, combining ongoing investment management with comprehensive financial planning. The firm employs an asset allocation strategy based on Modern Portfolio Theory and uses both passive and active funds, typically managing client portfolios on a discretionary basis with quarterly reviews.

Brian Hughes is a CFP® professional with 14 years of experience in financial advising. He founded Hughes Financial Group, LLC in 2013 and has led the firm since its inception. Hughes Financial Group, LLC is an independent, fee-only firm providing personalized financial planning and investment management to individuals, trusts, estates, pension and profit-sharing plans, and business clients. The firm employs active asset management using proprietary strategies and a mix of mutual funds, ETFs, and other instruments, managing approximately $22.8 million for around 42 clients as of December 31, 2025.

Colleen Oberhaus is a financial advisor with Gould Ruma Financial Advisors in Toledo, OH, holding a Series 66 designation and 12 years of industry experience. She previously worked at The Huntington Investment Co. and has been with Gould Ruma and affiliated with LPL Financial since 2017. Oberhaus also provides tax preparation and accounting services as part of her professional activities. Gould Ruma Financial Advisors specializes in financial and tax planning services without managing or custodian client assets. The firm focuses on written planning deliverables and operates on an hourly or fixed-fee basis, referring clients to LPL Financial for investment management when needed.

Adam Cufr is a financial advisor with Fourth Dimension Financial Group in Perrysburg, OH, holding a Series 63 license and 18 years of industry experience. He is the sole owner of OrangeSuitsYou, Inc., a marketing services company focused on financial advisors, and has served as a musician with the Ohio Air National Guard's 555th Air Force Band. Fourth Dimension Financial Group provides investment supervisory services and financial planning to individual investors, including high-net-worth clients, as well as company 401(k) plans. The firm matches clients to third-party money managers based on personalized investment policy statements and offers periodic educational seminars and workshops.

Charlotte Sargeant is a CFP® professional with 22 years of industry experience, currently serving as the sole advisor at Heritage Financial Advisors, LLC since 2010. She is also the managing member of North Coast Financial Advisors, Ltd., which owns a significant portion of her firm, and of Swiss Co., Ltd., a commercial real estate entity. Additionally, she holds a license as an insurance agent for fixed insurance products. Heritage Financial Advisors provides fee-only financial planning, investment consultation, and management services to individuals, trusts, estates, charitable organizations, foundations, and businesses. The firm emphasizes cost-efficient index mutual funds and ETFs within portfolios constructed using Modern Portfolio Theory and fundamental analysis, serving a broad client base that includes numerous charitable and institutional clients.

David Hoobler is a financial advisor with The Bottom Line Wealth Management Ltd. in Toledo, OH, holding a Series 65 credential and seven years of industry experience. He has worked at Sunrift Capital Partners LLC since 2019 and has been involved with Retirement Income Consultants and Capaverill II & Associates since 2001, where he serves as a vice president and insurance agent. The Bottom Line Wealth Management Ltd. provides discretionary portfolio management and financial planning primarily for individual clients, utilizing model portfolios and third-party money managers. The firm combines fundamental, technical, and cyclical analysis in its investment approach and integrates insurance products into client financial planning.

Sasha Wright is a CFP® professional with 20 years of industry experience, currently serving as the sole advisor at Heritage Financial Advisors, LLC in Waterville, Ohio. She has been with Heritage Financial Advisors since 2010. Outside of her advisory role, she manages two investment-related firms that hold ownership stakes in Heritage Financial Advisors and also works as an insurance agent offering fixed insurance products. Heritage Financial Advisors is an independent, fee-only firm providing financial planning, investment consultation, and management services to individuals, trusts, estates, charitable organizations, foundations, and businesses. The firm employs Modern Portfolio Theory and fundamental analysis to construct cost-efficient portfolios, serving a broad client base including charitable foundations and institutional clients.

Peter Ruma Jr. is a financial advisor with Gould Ruma Financial Advisors in Toledo, OH, holding the ChFC® designation and Series 63 and 66 licenses. He has 39 years of industry experience, including 17 years with Gould Ruma Financial Advisors and over two decades with LINSCO/Private Ledger, Corp. He is also involved in selling fixed life and group insurance products and prepares tax returns as part of his advisory activities. Gould Ruma Financial Advisors provides financial, tax, and business planning services focused on clients’ budgets, estate, tax, insurance reviews, and goal-setting. The firm operates on an hourly or fixed-fee basis and does not manage client assets directly, referring investment management to LPL Financial while favoring mutual funds and ETFs for implementation.

George Damasco Jr. is a financial advisor at Bollin Wealth Management, LLC with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has been with MPM Wealth Advisors, Inc. since 1995. Outside of his advisory role, he has partial ownership in Fort to Port Pizza and jointly owns Damasco Farms, which leases farmland to unaffiliated farmers. Bollin Wealth Management provides investment supervisory services and comprehensive financial planning for individuals, high-net-worth clients, trusts and estates, and corporate pension and profit-sharing plans. The firm employs a Modern Portfolio Theory approach, focusing on asset-class allocations to mutual funds and ETFs, and manages accounts on a non-discretionary basis with ongoing portfolio oversight and formal quarterly reviews.

Alan Lancz is a financial advisor with Alan B. Lancz & Associates, Inc. in Toledo, OH, holding a Series 63 designation and bringing 44 years of industry experience. He has worked at Crescent Securities Group, Inc. since 2019 and at International Assets Advisory, LLC from 2015 to 2018, alongside his longstanding role at Alan B. Lancz & Associates since 1985. In addition to his advisory work, he serves as Director of Research for Lancz Global LLC, a subscription-based independent research firm, and provides strategic leadership for two national track and trace companies. Alan B. Lancz & Associates, Inc. offers discretionary portfolio and wealth management, financial planning, retirement-plan consultation, and corporate consulting services. The firm serves high-net-worth individuals, corporate pension and profit-sharing plans, charitable institutions, family offices, and trust accounts, employing a fundamental, global investment approach with an emphasis on tax and risk management. It is notable for managing private pooled investment vehicles focused on energy drilling partnerships and maintaining affiliated entities for proprietary research and real estate management.

Steven Wise is a Series 65 licensed advisor with 12 years of industry experience. He is currently with Beacon Associates Wealth Management, LLC, where he has worked since 2022. Prior to this, he held roles at Simplicity Wealth and Virtue Capital Management, and he serves as Chapter Director and Financial Educator for the American Financial Education Alliance, focusing on Social Security and retirement planning workshops. Beacon Associates Wealth Management provides investment advisory and financial planning services to individual and high-net-worth clients, as well as trusts and estates. The firm primarily delivers discretionary asset management through third-party managers, selecting and monitoring models based on client objectives while offering project-based and hourly planning engagements.