SPECIAL ADVERT IS ING SECT ION

wwwfivestarprofessionalcom mdash FS bull 1

Finding a wealth manager who suits your needs can be a daunting task In fact many consumers have a hard time figuring out where to even begin

Sometimes a few simple questions can set one off on the right path Asking a wealth manager what makes working with him or her a unique experience can help you

understand how they work and if their style meshes with your own Further asking a financial advisor to talk about any specialties they might have can help uncover skills you might find useful

Ultimately how do you find an experienced wealth manager who you feel comfortable working with One who has high retention rates One who has undergone a thorough complaint and regulatory review One who has tenure in the industry

Cleveland Magazine Inside Business and Five Star Professional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria Among many distinguishing attributes the average one-year client retention rate for this yearrsquos award winners is more than 96 percent Although this list is a useful tool for anyone looking for help in managing their financial world or implementing aspects of their financial strategies it should not be considered exhaustive Undoubtedly there are many excellent wealth managers who for one reason or another are not on this yearrsquos list

In order to consider a broad population of high-quality wealth managers award candidates are identified by one of three sources firm nomination peer nomination or pre-qualification based on industry standing Self-nominations are not accepted Cleveland award candidates were identified using internal and external research data

AwardA Select

bull Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers bull The Five Star award is not indicative of the wealth managerrsquos future performance bull Wealth managers may or may not use discretion in their practice and therefore may not manage their clientsrsquo assets

bull The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional Cleveland Magazine or Inside Business

bull Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future

bull Five Star Professional is not an advisory firm and the content of this article should not be considered financial advice For more information on the Five Star award and the researchselection methodology go to wwwfivestarprofessionalcom

bull 1595 award candidates in the Cleveland area were considered for the Five Star Wealth Manager award 130 (approximately 9 percent of the award candidates) were named 2015 Five Star Wealth Managers

DisclosuresResearch

of Award WinnersDetermination

Regulatory ReviewAs defined by Five Star Professional the wealth manager has not

bull Been subject to a regulatory action that resulted in a license being suspended orrevoked or payment of a fine

bull Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professionalrsquos consumercomplaint process

bull Individually contributed to a financial settlement of a customer complaint filed witha regulatory authority

bull Filed for personal bankruptcybull Been convicted of a felony

Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists Data submitted through these processes was applied per the above criteria

bull Each wealth manager who passes the Five Star Professional regulatory review mustattest that they meet the definition of favorable regulatory history based upon the criteria listed above

bull Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager

bull Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use the services of wealth managers in order to provide consumers the opportunity to submit complaints regarding a wealth manager

Five Star Wealth Managers

Evaluation Criteria - Considered

6 One-year client retention rate

7 Five-year client retention rate

8 Non-institutional discretionary andor non-discretionary client assets administered

9 Number of client households served

10 Education and professional designations

Eligibility Criteria ndash Required

1 Credentialed as an investment advisory representative or a registered investment advisor

2 Actively employed as a credentialed professional in the financial services industry for a minimum of five years

3 Favorable regulatory and complaint history review

4 Fulfilled their firm review based on internal firm standards

5 Accepting new clients

Award candidates who satisfied 10 objective eligibility and evaluation criteria were named 2015 Five Star Wealth Managers

For more information on the program go to wwwfivestarprofessionalcomwm_program

2015 Cleveland

FIVE S

TAR PROFESSIO

NAL

FIVE

STARPROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TARPROFESSIO

NAL

FIVE

STAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TARPROFESSIO

NAL

FIVE

STAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TARPROFESSIO

NAL

FIVE

STAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TARPROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 2 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

Three-year winner Patricia (Patty) Quintildeoacutenez CRPCreg ADPASM Financial Advisor

I have specialized in serving the needs of physicians and women for 18 years What separates me from others is my one-on-one relationship with my clients and believing that fi nancial planning is about the peace of mind of having a plan in place In off ering personal attention we help you grow manage and protect your wealth by creating

an ongoing plan that can help you forge a clear path from todayrsquos realities to tomorrowrsquos possibilities We will help you stay on track toward your goals while helping you implement strategies to protect and pass on your wealth Your fi nancial plan should be as unique as you are

Quintildeoacutenez amp Associates A financial advisory practice of Ameriprise Financial Services Inc6100 Rockside Woods Boulevard North Suite 240 | Independence OH 44131

Office 216-373-2700 | Cell 216-373-2700pattywquinonezampfcom | wwwameripriseadvisorscompattywquinonez

bull Comprehensive and ongoing fi nancial investment and protection planning approach

bull Simplifying the fi nancial lives of busy successful individuals and families

bull Assisting with a confi dent transition to and through retirement

Ameriprise Financial and its representatives do not provide tax or legal advice Consult your tax advisor or attorney regarding specific tax or legal issues Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Investment advisory services and products are made available through Ameriprise Financial Services Inc

a registered investment advisor Ameriprise Financial Services Inc Member FINRA and SIPC

Areas of Focus Financial and Retirement Planning Estate and Tax Strategies

Patricia ldquoPattyrdquo QuintildeoacutenezCRPCreg ADPASM Financial Advisor

Your Financial Well-Being Your Values Your Legacy mdash Our Mission

THREE-YEAR WINNER

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 3

Left to right Back row Eric N Kaleal Deidre A Wise Melissa L Zummo David V WohlabaughFront row Three-year winner Warren S Wernick DeAnna M Spear

The Wernick Wealth Management Group of Wells Fargo Advisors is deeply committed to helping our clients achieve their fi nancial goals and believe this is refl ected in our passion for what we do and how we do it We work closely with our clientele in the areas of lump-sum rollovers and in-service withdrawals from 401(k) plans We strive to personally meet with our clients on a continual basis so that we can be proactive based on the current fi nancial environment Our affi liated offi ces in Mentor and Westlake Ohio are available for initial consultations and follow-up meetings

Our dedication extends to the community where we work and live The Wernick Wealth Management Group is proud to be a supporting sponsor of the American Red Cross Hero Awards for the fourth consecutive year

30100 Chagrin Boulevard Suite 200 | Pepper Pike OH 44124Office 216-378-4641 | Toll-free 800-667-8699

wwwwwernickwfadvcom

bull 50-plus years of combined investment planning experience

bull Dedicated to providing ongoing advice and exceptional service

bull Personalized strategies for accumulating preserving and transferring wealth

Wells Fargo Advisors LLC Member SIPC [CAR 1214-02196]

The Wernick Wealth Management Groupof Wells Fargo Advisors LLC

Warren S WernickManaging Director ndash Investment Officer PIM Portfolio Manager

THREE-YEAR WINNER

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 4 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

5005 Rockside Road Suite 100Independence OH 44131

Office 800-457-4304Fax 216-520-1535

wwwacadvisercom

Advance Capital Management

Strategy Behind Every MoveTM

bull Helping clients reach their fi nancial goals since 1986

bull Off ering comprehensive fi nancial and retirement planning services

bull Services designed to fi t your life stage and goalsbull Client-centric and education-based philosophy

and approach

Left to right Kim De Jesus Sales Assistant two-year winners Kurt Mears Vice President andTodd Schmidt Senior Vice President

Choosing the right fi rm to invest and manage your money can be a daunting task Our goal is to help you sort through the maze of opinions facts and speculation and make the investment decisions best suited for your individual circumstance mdash and do so at the lowest possible cost We believe you deserve a fi nancial advocate a knowledgeable advisor who will work with you to create a long-term investment program that refl ects your specifi c needs challenges and goals Learn more at wwwacadvisercom

Advance Capital Management

Investment advisory services are provided by Advance Capital Management Inc Brokerage services may be provided by Advance Capital Services Inc an affiliated company Both companies are collectively referred to as ldquoAdvance Capitalrdquo Investments are not insured and may lose money Client should be prepared to bear the risks associated with investing

Strategy behind every movetrade

TWO-YEAR WINNER

Irsquom honored to be selected for the Five Star Wealth Manager award Indiano amp Company CPAs Inc is a multistate public accounting and fi nancial services fi rm Kathleen works with clients and their families in the areas of wealth accumulation and portfolio management cash fl ow retirement income and legacy planning Kathleen and her staff of qualifi ed professionals are committed to the highest level of personal service and to meeting the needs goals and objectives of our valued clients

6001 East Royalton Road Suite 180 | Broadview Heights OH 44147

Office 440-526-0126 | Toll-free 877-937-1040

kathleenindianoinvestfinancialcom | wwwindianocpacom

Three-year winner Kathleen Indiano CPA Financial Advisor Registered Representative INVEST Financial Corporation

INVEST Financial Corporation member FINRASIPC and its affiliated insurance agencies offer securities advisory services and certain insurance products and are not affiliated with Indiano amp Company CPAs Inc

INVEST does not offer tax or legal advice

Kathleen IndianoRegistered Representative INVEST Financial Corporation

THREE-YEAR WINNER

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 5

We are a fi nancial planning and investment management fi rm dedicated to serving the unique needs of preretirees and retirees in the evaluation analysis and implementation of a well-conceived fi nancial retirement and investment plan We use the latest technology to create customized fi nancial plans and investment portfolios to help clients achieve goals We are unconstrained in independence and fl exibility in off ering fi nancial advice and investment management services For more information please visit EliosFinancialcom

Center Point West 30700 Center Ridge Road | Westlake OH 44145

Office 440-617-9100

jimeliosfinancialcom | EliosFinancialcom

bull Comprehensive fi nancial planningbull Retirement planning expertisebull Independent investment management

Three-year winner James EliosSecurities offered through LPL Financial Member FINRASIPC Investment advice offered through

Elios Financial Group Inc a Registered Investment Advisor and separate entity from LPL Financial

Envision | Enlighten | Enrich

Elios Financial Group

THREE-YEAR WINNER

As a fi nancial advisor I am dedicated to helping my clients meet their fi nancial needs Whether you are planning your retirement saving for your childrenrsquos or grandchildrenrsquos education or looking to preserve your wealth I can help Before entering the fi nancial services industry I graduated from Hiram College with a degree in managementeconomics Lake Erie College with an MBA and worked as a vice president for Bank of America PNC Mortgage and Wells Fargo Home Mortgage Now an associate vice president investment offi cer with the Mentor offi ce of Wells Fargo Advisors I take pride in working for a fi rm that puts you fi rst My mission is to help each one of my clients plan for a fi nancial future in a way that best meets his or her goals And my commitment doesnrsquot end there I have been an active member of the local community for nearly 25 years I am currently involved with United Way of Geauga County and Red Key Network Away from the offi ce I also enjoy spending time with my husband of 25 years Domenic and our son Nic I look forward to extending my services to you and your family Making sure your wealth continues to work in support of the goals you have established takes careful planning Such planning is not a single event mdash it is a process As your life circumstances change so must the investment strategies I use to stay on course toward meeting your objectives That is why I work with you one-on-one to design investment strategies targeted to your specifi c needs and goals

8334 Mentor Avenue Suite 100 | Mentor OH 44060 Office 440-974-7513 | Cell 440-313-7060

susanpaolowellsfargoadvisorscom

2015 winner Susan Paolo

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04583]

Susan PaoloAssociate Vice President Investment OfficerFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 6 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

bull Comprehensive fi nancial advice and planningbull Private wealth management solutionsbull Insurance and risk management services

Regardless of your investment experience or level of wealth our goal is to help you get your arms around your current financial situation and develop a solid plan that leads you to achieving your ultimate financial objectives

6685 Beta DrMayfield Village OH 44143Office 440-449-6800rdcoodesmcofinancialcomwwwskodaminottifinancialcom

Delivering on the Promise of Trust

Advisory Services offered through Investment Advisors a division of ProEquities Inca Registered Investment Advisor Securities offered through ProEquities Inc

a Registered Broker-Dealer Member FINRA SIPCSkoda Minotti Financial Services is independent of ProEquities Inc

Robert D CoodePartner

TWO-YEAR WINNER

bull Investment planning for all stages of lifebull Retirement income planningbull Personalized portfolio management

Abby Stancik has been serving the needs of her clients for more than 16 years She has developed a successful practice emphasizing long-term client relationships built on a foundation of ethics integrity and personal service Creating an investment plan that is specific for each client requires personal attention Abby will work closely with you to help define your goals develop your plan and track your progress

950 Main Ave Ste 300Cleveland OH 44113 Phone 216-574-7222Toll-free 800-537-4105abbystancikwfadvisorscomhomewellsfargoadvisorscomabbystancik

Dedicated to Your Success

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04215]

Abby StancikSenior Vice President ndash Investments CFPreg MBA ADPAreg

TWO-YEAR WINNER

bull Understanding you and your expectationsbull Developing a customized strategybull Implementation analysis and communicationbull 2013 ndash 2015 Five Star award winner

Integrity is the foundation of everything we do at The Cain Group at Morgan Stanley Personalized and customized service is what distinguishes us from our peers We feel that communication is imperative to a successful relationship for sound investment planning

31099 Chagrin BlvdPepper Pike OH 44124Office 216-360-4900Direct 216-360-8637lindacainmorganstanleycommorganstanleyfacomlindacain

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED

FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which itawards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification

requirements copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Linda CainFirst Vice President Financial Advisor CFPreg

THREE-YEAR WINNER

bull Financial planningbull Managed accountsbull Stocks bonds and mutual fundsbull Municipal bonds (ie tax-free bonds)bull Fixed and variable annuitiesWhether it comes to food sports teams or our heritage Clevelanders are known for their passion and loyalty My goal is simple to devote as much passion and loyalty into handling my clientsrsquo wealth as they did in earning it

200 Public Sq Ste 6-086 Cleveland OH 44114 Phone 216-515-6058andrewlukcsohuntingtoncom

Investment products and services are o ered by The Huntington Investment Company a registered broker dealer member FINRASIPC and a registered investment adviser with the US Securities and Exchange Commission (SEC) The Huntington

Investment Company is a wholly owned subsidiary of Huntington Bancshares Incorporated Investment and Insurance products are bull Not a Deposit bull Not FDIC Insured bull Not Insured by any Federal Government Agency

bull Not Guaranteed by the Bank bull May Lose Value

Andrew J Lukcso JrVice President Senior Financial AdvisorFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 7

bull Retirement planning strategiesbull Committed to exceptional client service since 1990bull Investment planningestate planning

ldquoMy clients are hard-working people who want to achieve a difference in their lives We are real people with real lives I want to help you secure and protect the things most important to you My team focuses on relieving stresses and complications that arise when matching family goals with financial strategies Together we make these goals a reality everyday hellip one client at a timerdquo mdash Don Wagner

20820 Chagrin Blvd Ste 200Shaker Heights OH 44122Office 216-295-0945Cell 216-235-4038donaldwagnerlplcom

Good ShepherdFinancial

Founded on One Promise Do Whatrsquos Right

Securities offered through LPL Financial Member FINRASIPC

Donald V Wagner

THREE-YEAR WINNER

bull Asset management and wealth creationbull Independent objective advicebull Customized and personal fi nancial planning

It is an honor to be a multiyear recipient (2013 ndash 2015) of the Five Star Wealth Manager award Our goal at R Karras Asset Management amp Planning LLC has always been to connect and engage with our clients Our process allows clients one-on-one attention with a knowledgeable partner helping them pursue their goals and dreams Our mission is consistent to work closely with each client to execute the life plan they envisioned

5005 Rockside Rd Ste 600 Independence OH 44131Office 216-573-3788 rkarrasrkarrascomwwwrkarrascom

R Karras Asset Management amp Planning LLC

Customized Objective Solutions

Robert KarrasCFPreg CLUreg ChFCreg President Registered Investment Advisor

THREE-YEAR WINNER

bull Retirement income planningbull Executive compensation and benefi ts reviewbull Estate planningbull Intergenerational planningbull Insurance off erings

With over 20 years of experience Andrewrsquos top priority is to work closely with his clients to help them feel more confi dent about their fi nancial future and give them more peace of mind

20033 Detroit Rd Ste 202Rocky River OH 44116Phone 440-799-8300AndrewBarkleyampfcomameripriseadvisorscomandrewbarkley

Confi dent Wealth Management Strategies

Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial success Ameriprise Financial and its representatives do not provide tax

or legal advice Consult your tax advisor or attorney regarding speci c tax or legal issues Ameriprise Financial Services Inc Member FINRA and SIPC

Andrew J BarkleyCFPreg Financial Advisor Managing Partner

ldquoClients donrsquot care how much you know until they know how much you carerdquomdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 8 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

As a 2013 2014 and 2015 Five Star Wealth Manager award winner Scott A Simmerer has more than 30 years of experience in the financial services industry Scott advises clients on a broad range of wealth management strategies He focuses on listening to each client Everyonersquos needs and financial goals are unique

Raymond James Financial Services Inc

1100 Chester Ave Ste A90Cleveland OH 44115Cell 440-725-7105Office 216-621-8844ScottSimmererRaymondJamescomwwwRaymondJamescom

Scott A SimmererInvestment Advisor Rep Financial Consultant

Raymond James Financial Services Inc Member FINRASIPC This award is bestowed by an independent third-party that is not a liated with Raymond James

THREE-YEAR WINNER

I am celebrating 25 years as a f inancial professional with proven experience expertise and commitment to my clients The promise is to grant you my undivided attention and tailor an investment plan that fits your personal situation

Mears Financial Services Inc

9930 Johnnycake Ridge RdSte 5AMentor OH 44060Office 440-639-1998 Phone 440-487-7720Randymearsfinancialcom

Randy MearsFinancial Consultant

Securities and advisory services o ered through Commonwealth Financial Network Member FINRASIPC Registered Investment Adviser

THREE-YEAR WINNER

I have been a wealth coach with Money Concepts for 24 years Our office focuses on providing planning for 1) cost-effective retirement plans for small businesses and nonprofit groups and 2) individual 401(k) reviews with family income and asset preservation strategies

Money Concepts

7145 Mentor Ave Ste 107Mentor OH 44060Cell 216-598-1952Office 440-946-1952wwwmoneyconceptscomebrassebrassmoneyconceptscom

Ernie BrassPresident MA

All securities through Money Concepts Capital Corp Member SIPC

TWO-YEAR WINNER

I am privileged to connect with families across generations and support dedicated individuals serving on institutional boards We journey together making thoughtful client-centric financial decisions with objectivity transparency and integrity

1111 Chester Ave Ste 530Cleveland OH 44114 Phone 440-572-5733 chapmanridgecreekglobalcomridgecreekglobalcom

Kathi ChapmanFounder CEO CFAreg CPWAreg

Financial PlanningMichael J Baker MJ Baker

Financial Advisors

Andrew J Barkley Ameriprise Financial Services Inc Page 7

Jeff Barone Morgan Stanley

Lawrence Charles Barrett Sagemark Consulting Private Wealth Services

Gregory Berlin Wunderlich Securities

Timothy Cooper Bonar Ameriprise Financial Services Inc

Michael Bongers Robert W Baird amp Company

Robert Bove LPL Financial

Ernie Brass Money Concepts Capital Corporation Page 8

Linda Cain Morgan Stanley Page 6

Peter Calfee Calfee Financial Advisors

Denes Chapo US Bancorp Investments

Mark Anthony Ciulla Capital Advisors

Thomas Compernolle The Partners GroupAmeriprise Financial Services Inc

Robert D Coode Skoda Minotti Financial Services Page 6

Thomas H Craft Sagemark Consulting Private Wealth Services

Matthew C Daugherty Ameriprise Financial Services Inc

Jim Eismon Valic Financial Advisors

James Elios Elios Financial Group Page 5

Frank Fantozzi LPL Financial

Joe L Flinner Landing Point Financial GroupAmeriprise Financial Services Inc

David Frank American Portfolios

Steven Frederick Ameriprise Financial Services Inc

Robert Fritts Raymond James Financial Services

Laurie Gerdy Emery Financial Group

David Gomersall Cornerstone Financial Services

William John Gordon Redwood Financial Network

David Grano Lincoln Financial Advisors

Gary A Hannah 212 Capital Group

Robert Hoffman Thrivent Financial

Carrie Hruska Cramer Capital Management

My goal is to have a relationship with my clients which gives them a comfort level to call me Communication is key to a long-lasting successful relationship Education on investing saving for college wealth management and income accumulation is what you can expect

200 Public Sq Ste 2600 Cleveland OH 44114 Phone 216-523-3110

Donna LesemanFinancial Advisor

bull Educate clients on their investmentsbull Committed to exceptional client service

copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Gregory guides successful professionals and families to help protect grow and transfer wealth The primary focus for his clients is to increase and preserve the value of their largest assets whether they are investments or private business interests

Oswald Wealth

1100 Superior Ave Ste 1345Cleveland OH 44114 Phone 216-649-2676 greglopezgsirepcom

Gregory LopezCERTIFIED FINANCIAL PLANNERtrade

Securities and investment advisory services o ered through Girard Securities Member FINRA SIPC Oswald Wealth is not a liated

with Girard Securities

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 9

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Venera Izant Merrill Lynch

Sunwook Jin Redwood Financial Network

David Jones Cetera Advisor Networks

Frank Kirchner LPL Financial

Daniel Lauletta Plan Corporation

John Lipaj True North Financial amp Investment Planning

Gregory Lopez Oswald Wealth Page 8

Michael Maynard Morgan Stanley

Gregory Morris Capital Planners

Larry November Lincoln Financial Advisors

Richard Packer LPL Financial

Douglas Atkinson Price Capital Advisors

Patricia Quinonez Quinonez amp AssociatesAmeriprise Financial Services Inc Page 2

Lynn Rasko Morgan Stanley

Kenneth F Robinson Practical Financial Planning

Michael Roethler Robert W Baird amp Company

Daniel Ryder Skylight Financial Group

Smita Samant BDS Financial Network

Pamela Sandy Confiance

Max L Schaffer Ameriprise Financial Services Inc

James Richard Schaffer Jr Waypoint Partners

Todd M Schmidt Advance Capital Management Page 4

Ashok Shendure BDS Financial Network

Rajanee Shendure BDS Financial Network

Robert Skrbis Ameriprise Financial Services Inc

Eric Tolbert Ameriprise Financial Services Inc

Laura Ann Tomco Morgan Stanley

Susan Siara Vasu Landing Point Financial GroupAmeriprise Financial Services Inc

Donald Wagner Good Shepherd Financial Page 7

Gary Wagner Carnegie Investment Counsel

Dean Weemhoff Beacon Financial Partners

Steven M Young Lincoln Financial Advisors

Jeff Zemito Skylight Financial Group

InvestmentsSteven M Adler Rolf-Adler

Group

Robert Apple Wunderlich Securities

John Bartels Inverness Investment Group

Steven Berman Wells Fargo Advisors LLC

Randall L Bliss Bliss Capital Advisors

Michael Bornhorst Wells Fargo Advisors LLC

Mark Breen NFP Advisor Services

Justin A Brock US Bancorp Investments

Kathleen Chapman Ridge Creek Global Page 8

Daniel Chavayda LPL Financial

James Duralia Wells Fargo Advisors LLC

Stephen Eppich EAM

Gary Fishback Wells Fargo Advisors LLC

Justin Fitchko Wells Fargo Advisors LLC

Linda Fousek Carnegie Investment Counsel

Mitchell Frankel Wells Fargo Advisors LLC

David Gottlieb Edward Jones

Steven P Hanousek Wells Fargo Advisors LLC

Patrick Edward Healy Wells Fargo Advisors LLC

Gregory Helms Ameriprise Financial Services Inc

Russell Howard Redwood Financial Network

Kathleen Indiano Indiano amp Company CPAs Page 4

Thomas B Johnson Morgan Stanley

Dennis Juvan Infinex Investments

Robert Karras R Karras Asset Management amp Planning Page 7

David Kocsis Peak Wealth Solutions

Gary J Kovach Tactical Investment Management

Paul J Labanc Ameriprise Financial Services Inc

David Lavelle Edward Jones Investments

John Patrick Lee Jr Wells Fargo Advisors LLC

Donna Kay Leseman Morgan Stanley Page 8

Michael Lewis AXA Advisors

Andrew Lukcso Huntington Investment Company Page 6

Jeffrey N Malbasa Spero-Smith Investment Advisers

Paul McCormack Inverness Investment Group

Kurt W Mears Advance Capital Management Page 4

Randal Kevin Mears Mears Financial Services Page 8

Eric Nilson Wells Fargo Advisors LLC

Susan Elaine Paolo Wells Fargo Advisors LLC Page 5

Darrin Plys Ameriprise Financial Services Inc

Jack Donald Polcar Wells Fargo Advisors LLC

Scott Polish Wells Fargo Advisors LLC

Harold Pollov Oasis Assets Management Group

Michael Rabe Wells Fargo Advisors LLC

Stephen Reagh Wells Fargo Advisors LLC

C Robert Rittberger Morgan Stanley

Laura Sedlak Wells Fargo Advisors LLC

Michael David Sejka Wells Fargo Advisors LLC

Scott Alan Simmerer Raymond James Financial Services Page 8

Satish Singh Ameriprise Financial Services Inc

Robert C Smith Spero-Smith Investment Advisers

Henry Spain Wells Fargo Advisors LLC

Cornelia Spring Cetera Advisor Networks

Abby Anne Stancik Wells Fargo Advisors LLC Page 6

Brent Teague Oswald Financial

Tom G Thacker II Oppenheimer amp Company

Dominic Tropiano Key Investment Services

Raymond Matthew Tropp Beacon Financial Partners

Porter Vergon Morgan Stanley

John Vrablic TIPS 4 Reps

Michael Vulku Ameriprise Financial Services Inc

Warren Wernick Wells Fargo Advisors LLC Page 3

Eric Wulff Aurum Wealth Management Group

Stephen Yarmesch Riverview Research

Michael Zawatsky Wunderlich Securities

William Henry Zufall III Zufall Financial Services

Financial planning is

a holistic approach to

financial well-being

mdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 2 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

Three-year winner Patricia (Patty) Quintildeoacutenez CRPCreg ADPASM Financial Advisor

I have specialized in serving the needs of physicians and women for 18 years What separates me from others is my one-on-one relationship with my clients and believing that fi nancial planning is about the peace of mind of having a plan in place In off ering personal attention we help you grow manage and protect your wealth by creating

an ongoing plan that can help you forge a clear path from todayrsquos realities to tomorrowrsquos possibilities We will help you stay on track toward your goals while helping you implement strategies to protect and pass on your wealth Your fi nancial plan should be as unique as you are

Quintildeoacutenez amp Associates A financial advisory practice of Ameriprise Financial Services Inc6100 Rockside Woods Boulevard North Suite 240 | Independence OH 44131

Office 216-373-2700 | Cell 216-373-2700pattywquinonezampfcom | wwwameripriseadvisorscompattywquinonez

bull Comprehensive and ongoing fi nancial investment and protection planning approach

bull Simplifying the fi nancial lives of busy successful individuals and families

bull Assisting with a confi dent transition to and through retirement

Ameriprise Financial and its representatives do not provide tax or legal advice Consult your tax advisor or attorney regarding specific tax or legal issues Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success Investment advisory services and products are made available through Ameriprise Financial Services Inc

a registered investment advisor Ameriprise Financial Services Inc Member FINRA and SIPC

Areas of Focus Financial and Retirement Planning Estate and Tax Strategies

Patricia ldquoPattyrdquo QuintildeoacutenezCRPCreg ADPASM Financial Advisor

Your Financial Well-Being Your Values Your Legacy mdash Our Mission

THREE-YEAR WINNER

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 3

Left to right Back row Eric N Kaleal Deidre A Wise Melissa L Zummo David V WohlabaughFront row Three-year winner Warren S Wernick DeAnna M Spear

The Wernick Wealth Management Group of Wells Fargo Advisors is deeply committed to helping our clients achieve their fi nancial goals and believe this is refl ected in our passion for what we do and how we do it We work closely with our clientele in the areas of lump-sum rollovers and in-service withdrawals from 401(k) plans We strive to personally meet with our clients on a continual basis so that we can be proactive based on the current fi nancial environment Our affi liated offi ces in Mentor and Westlake Ohio are available for initial consultations and follow-up meetings

Our dedication extends to the community where we work and live The Wernick Wealth Management Group is proud to be a supporting sponsor of the American Red Cross Hero Awards for the fourth consecutive year

30100 Chagrin Boulevard Suite 200 | Pepper Pike OH 44124Office 216-378-4641 | Toll-free 800-667-8699

wwwwwernickwfadvcom

bull 50-plus years of combined investment planning experience

bull Dedicated to providing ongoing advice and exceptional service

bull Personalized strategies for accumulating preserving and transferring wealth

Wells Fargo Advisors LLC Member SIPC [CAR 1214-02196]

The Wernick Wealth Management Groupof Wells Fargo Advisors LLC

Warren S WernickManaging Director ndash Investment Officer PIM Portfolio Manager

THREE-YEAR WINNER

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 4 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

5005 Rockside Road Suite 100Independence OH 44131

Office 800-457-4304Fax 216-520-1535

wwwacadvisercom

Advance Capital Management

Strategy Behind Every MoveTM

bull Helping clients reach their fi nancial goals since 1986

bull Off ering comprehensive fi nancial and retirement planning services

bull Services designed to fi t your life stage and goalsbull Client-centric and education-based philosophy

and approach

Left to right Kim De Jesus Sales Assistant two-year winners Kurt Mears Vice President andTodd Schmidt Senior Vice President

Choosing the right fi rm to invest and manage your money can be a daunting task Our goal is to help you sort through the maze of opinions facts and speculation and make the investment decisions best suited for your individual circumstance mdash and do so at the lowest possible cost We believe you deserve a fi nancial advocate a knowledgeable advisor who will work with you to create a long-term investment program that refl ects your specifi c needs challenges and goals Learn more at wwwacadvisercom

Advance Capital Management

Investment advisory services are provided by Advance Capital Management Inc Brokerage services may be provided by Advance Capital Services Inc an affiliated company Both companies are collectively referred to as ldquoAdvance Capitalrdquo Investments are not insured and may lose money Client should be prepared to bear the risks associated with investing

Strategy behind every movetrade

TWO-YEAR WINNER

Irsquom honored to be selected for the Five Star Wealth Manager award Indiano amp Company CPAs Inc is a multistate public accounting and fi nancial services fi rm Kathleen works with clients and their families in the areas of wealth accumulation and portfolio management cash fl ow retirement income and legacy planning Kathleen and her staff of qualifi ed professionals are committed to the highest level of personal service and to meeting the needs goals and objectives of our valued clients

6001 East Royalton Road Suite 180 | Broadview Heights OH 44147

Office 440-526-0126 | Toll-free 877-937-1040

kathleenindianoinvestfinancialcom | wwwindianocpacom

Three-year winner Kathleen Indiano CPA Financial Advisor Registered Representative INVEST Financial Corporation

INVEST Financial Corporation member FINRASIPC and its affiliated insurance agencies offer securities advisory services and certain insurance products and are not affiliated with Indiano amp Company CPAs Inc

INVEST does not offer tax or legal advice

Kathleen IndianoRegistered Representative INVEST Financial Corporation

THREE-YEAR WINNER

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 5

We are a fi nancial planning and investment management fi rm dedicated to serving the unique needs of preretirees and retirees in the evaluation analysis and implementation of a well-conceived fi nancial retirement and investment plan We use the latest technology to create customized fi nancial plans and investment portfolios to help clients achieve goals We are unconstrained in independence and fl exibility in off ering fi nancial advice and investment management services For more information please visit EliosFinancialcom

Center Point West 30700 Center Ridge Road | Westlake OH 44145

Office 440-617-9100

jimeliosfinancialcom | EliosFinancialcom

bull Comprehensive fi nancial planningbull Retirement planning expertisebull Independent investment management

Three-year winner James EliosSecurities offered through LPL Financial Member FINRASIPC Investment advice offered through

Elios Financial Group Inc a Registered Investment Advisor and separate entity from LPL Financial

Envision | Enlighten | Enrich

Elios Financial Group

THREE-YEAR WINNER

As a fi nancial advisor I am dedicated to helping my clients meet their fi nancial needs Whether you are planning your retirement saving for your childrenrsquos or grandchildrenrsquos education or looking to preserve your wealth I can help Before entering the fi nancial services industry I graduated from Hiram College with a degree in managementeconomics Lake Erie College with an MBA and worked as a vice president for Bank of America PNC Mortgage and Wells Fargo Home Mortgage Now an associate vice president investment offi cer with the Mentor offi ce of Wells Fargo Advisors I take pride in working for a fi rm that puts you fi rst My mission is to help each one of my clients plan for a fi nancial future in a way that best meets his or her goals And my commitment doesnrsquot end there I have been an active member of the local community for nearly 25 years I am currently involved with United Way of Geauga County and Red Key Network Away from the offi ce I also enjoy spending time with my husband of 25 years Domenic and our son Nic I look forward to extending my services to you and your family Making sure your wealth continues to work in support of the goals you have established takes careful planning Such planning is not a single event mdash it is a process As your life circumstances change so must the investment strategies I use to stay on course toward meeting your objectives That is why I work with you one-on-one to design investment strategies targeted to your specifi c needs and goals

8334 Mentor Avenue Suite 100 | Mentor OH 44060 Office 440-974-7513 | Cell 440-313-7060

susanpaolowellsfargoadvisorscom

2015 winner Susan Paolo

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04583]

Susan PaoloAssociate Vice President Investment OfficerFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 6 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

bull Comprehensive fi nancial advice and planningbull Private wealth management solutionsbull Insurance and risk management services

Regardless of your investment experience or level of wealth our goal is to help you get your arms around your current financial situation and develop a solid plan that leads you to achieving your ultimate financial objectives

6685 Beta DrMayfield Village OH 44143Office 440-449-6800rdcoodesmcofinancialcomwwwskodaminottifinancialcom

Delivering on the Promise of Trust

Advisory Services offered through Investment Advisors a division of ProEquities Inca Registered Investment Advisor Securities offered through ProEquities Inc

a Registered Broker-Dealer Member FINRA SIPCSkoda Minotti Financial Services is independent of ProEquities Inc

Robert D CoodePartner

TWO-YEAR WINNER

bull Investment planning for all stages of lifebull Retirement income planningbull Personalized portfolio management

Abby Stancik has been serving the needs of her clients for more than 16 years She has developed a successful practice emphasizing long-term client relationships built on a foundation of ethics integrity and personal service Creating an investment plan that is specific for each client requires personal attention Abby will work closely with you to help define your goals develop your plan and track your progress

950 Main Ave Ste 300Cleveland OH 44113 Phone 216-574-7222Toll-free 800-537-4105abbystancikwfadvisorscomhomewellsfargoadvisorscomabbystancik

Dedicated to Your Success

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04215]

Abby StancikSenior Vice President ndash Investments CFPreg MBA ADPAreg

TWO-YEAR WINNER

bull Understanding you and your expectationsbull Developing a customized strategybull Implementation analysis and communicationbull 2013 ndash 2015 Five Star award winner

Integrity is the foundation of everything we do at The Cain Group at Morgan Stanley Personalized and customized service is what distinguishes us from our peers We feel that communication is imperative to a successful relationship for sound investment planning

31099 Chagrin BlvdPepper Pike OH 44124Office 216-360-4900Direct 216-360-8637lindacainmorganstanleycommorganstanleyfacomlindacain

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED

FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which itawards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification

requirements copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Linda CainFirst Vice President Financial Advisor CFPreg

THREE-YEAR WINNER

bull Financial planningbull Managed accountsbull Stocks bonds and mutual fundsbull Municipal bonds (ie tax-free bonds)bull Fixed and variable annuitiesWhether it comes to food sports teams or our heritage Clevelanders are known for their passion and loyalty My goal is simple to devote as much passion and loyalty into handling my clientsrsquo wealth as they did in earning it

200 Public Sq Ste 6-086 Cleveland OH 44114 Phone 216-515-6058andrewlukcsohuntingtoncom

Investment products and services are o ered by The Huntington Investment Company a registered broker dealer member FINRASIPC and a registered investment adviser with the US Securities and Exchange Commission (SEC) The Huntington

Investment Company is a wholly owned subsidiary of Huntington Bancshares Incorporated Investment and Insurance products are bull Not a Deposit bull Not FDIC Insured bull Not Insured by any Federal Government Agency

bull Not Guaranteed by the Bank bull May Lose Value

Andrew J Lukcso JrVice President Senior Financial AdvisorFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 7

bull Retirement planning strategiesbull Committed to exceptional client service since 1990bull Investment planningestate planning

ldquoMy clients are hard-working people who want to achieve a difference in their lives We are real people with real lives I want to help you secure and protect the things most important to you My team focuses on relieving stresses and complications that arise when matching family goals with financial strategies Together we make these goals a reality everyday hellip one client at a timerdquo mdash Don Wagner

20820 Chagrin Blvd Ste 200Shaker Heights OH 44122Office 216-295-0945Cell 216-235-4038donaldwagnerlplcom

Good ShepherdFinancial

Founded on One Promise Do Whatrsquos Right

Securities offered through LPL Financial Member FINRASIPC

Donald V Wagner

THREE-YEAR WINNER

bull Asset management and wealth creationbull Independent objective advicebull Customized and personal fi nancial planning

It is an honor to be a multiyear recipient (2013 ndash 2015) of the Five Star Wealth Manager award Our goal at R Karras Asset Management amp Planning LLC has always been to connect and engage with our clients Our process allows clients one-on-one attention with a knowledgeable partner helping them pursue their goals and dreams Our mission is consistent to work closely with each client to execute the life plan they envisioned

5005 Rockside Rd Ste 600 Independence OH 44131Office 216-573-3788 rkarrasrkarrascomwwwrkarrascom

R Karras Asset Management amp Planning LLC

Customized Objective Solutions

Robert KarrasCFPreg CLUreg ChFCreg President Registered Investment Advisor

THREE-YEAR WINNER

bull Retirement income planningbull Executive compensation and benefi ts reviewbull Estate planningbull Intergenerational planningbull Insurance off erings

With over 20 years of experience Andrewrsquos top priority is to work closely with his clients to help them feel more confi dent about their fi nancial future and give them more peace of mind

20033 Detroit Rd Ste 202Rocky River OH 44116Phone 440-799-8300AndrewBarkleyampfcomameripriseadvisorscomandrewbarkley

Confi dent Wealth Management Strategies

Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial success Ameriprise Financial and its representatives do not provide tax

or legal advice Consult your tax advisor or attorney regarding speci c tax or legal issues Ameriprise Financial Services Inc Member FINRA and SIPC

Andrew J BarkleyCFPreg Financial Advisor Managing Partner

ldquoClients donrsquot care how much you know until they know how much you carerdquomdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 8 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

As a 2013 2014 and 2015 Five Star Wealth Manager award winner Scott A Simmerer has more than 30 years of experience in the financial services industry Scott advises clients on a broad range of wealth management strategies He focuses on listening to each client Everyonersquos needs and financial goals are unique

Raymond James Financial Services Inc

1100 Chester Ave Ste A90Cleveland OH 44115Cell 440-725-7105Office 216-621-8844ScottSimmererRaymondJamescomwwwRaymondJamescom

Scott A SimmererInvestment Advisor Rep Financial Consultant

Raymond James Financial Services Inc Member FINRASIPC This award is bestowed by an independent third-party that is not a liated with Raymond James

THREE-YEAR WINNER

I am celebrating 25 years as a f inancial professional with proven experience expertise and commitment to my clients The promise is to grant you my undivided attention and tailor an investment plan that fits your personal situation

Mears Financial Services Inc

9930 Johnnycake Ridge RdSte 5AMentor OH 44060Office 440-639-1998 Phone 440-487-7720Randymearsfinancialcom

Randy MearsFinancial Consultant

Securities and advisory services o ered through Commonwealth Financial Network Member FINRASIPC Registered Investment Adviser

THREE-YEAR WINNER

I have been a wealth coach with Money Concepts for 24 years Our office focuses on providing planning for 1) cost-effective retirement plans for small businesses and nonprofit groups and 2) individual 401(k) reviews with family income and asset preservation strategies

Money Concepts

7145 Mentor Ave Ste 107Mentor OH 44060Cell 216-598-1952Office 440-946-1952wwwmoneyconceptscomebrassebrassmoneyconceptscom

Ernie BrassPresident MA

All securities through Money Concepts Capital Corp Member SIPC

TWO-YEAR WINNER

I am privileged to connect with families across generations and support dedicated individuals serving on institutional boards We journey together making thoughtful client-centric financial decisions with objectivity transparency and integrity

1111 Chester Ave Ste 530Cleveland OH 44114 Phone 440-572-5733 chapmanridgecreekglobalcomridgecreekglobalcom

Kathi ChapmanFounder CEO CFAreg CPWAreg

Financial PlanningMichael J Baker MJ Baker

Financial Advisors

Andrew J Barkley Ameriprise Financial Services Inc Page 7

Jeff Barone Morgan Stanley

Lawrence Charles Barrett Sagemark Consulting Private Wealth Services

Gregory Berlin Wunderlich Securities

Timothy Cooper Bonar Ameriprise Financial Services Inc

Michael Bongers Robert W Baird amp Company

Robert Bove LPL Financial

Ernie Brass Money Concepts Capital Corporation Page 8

Linda Cain Morgan Stanley Page 6

Peter Calfee Calfee Financial Advisors

Denes Chapo US Bancorp Investments

Mark Anthony Ciulla Capital Advisors

Thomas Compernolle The Partners GroupAmeriprise Financial Services Inc

Robert D Coode Skoda Minotti Financial Services Page 6

Thomas H Craft Sagemark Consulting Private Wealth Services

Matthew C Daugherty Ameriprise Financial Services Inc

Jim Eismon Valic Financial Advisors

James Elios Elios Financial Group Page 5

Frank Fantozzi LPL Financial

Joe L Flinner Landing Point Financial GroupAmeriprise Financial Services Inc

David Frank American Portfolios

Steven Frederick Ameriprise Financial Services Inc

Robert Fritts Raymond James Financial Services

Laurie Gerdy Emery Financial Group

David Gomersall Cornerstone Financial Services

William John Gordon Redwood Financial Network

David Grano Lincoln Financial Advisors

Gary A Hannah 212 Capital Group

Robert Hoffman Thrivent Financial

Carrie Hruska Cramer Capital Management

My goal is to have a relationship with my clients which gives them a comfort level to call me Communication is key to a long-lasting successful relationship Education on investing saving for college wealth management and income accumulation is what you can expect

200 Public Sq Ste 2600 Cleveland OH 44114 Phone 216-523-3110

Donna LesemanFinancial Advisor

bull Educate clients on their investmentsbull Committed to exceptional client service

copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Gregory guides successful professionals and families to help protect grow and transfer wealth The primary focus for his clients is to increase and preserve the value of their largest assets whether they are investments or private business interests

Oswald Wealth

1100 Superior Ave Ste 1345Cleveland OH 44114 Phone 216-649-2676 greglopezgsirepcom

Gregory LopezCERTIFIED FINANCIAL PLANNERtrade

Securities and investment advisory services o ered through Girard Securities Member FINRA SIPC Oswald Wealth is not a liated

with Girard Securities

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 9

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Venera Izant Merrill Lynch

Sunwook Jin Redwood Financial Network

David Jones Cetera Advisor Networks

Frank Kirchner LPL Financial

Daniel Lauletta Plan Corporation

John Lipaj True North Financial amp Investment Planning

Gregory Lopez Oswald Wealth Page 8

Michael Maynard Morgan Stanley

Gregory Morris Capital Planners

Larry November Lincoln Financial Advisors

Richard Packer LPL Financial

Douglas Atkinson Price Capital Advisors

Patricia Quinonez Quinonez amp AssociatesAmeriprise Financial Services Inc Page 2

Lynn Rasko Morgan Stanley

Kenneth F Robinson Practical Financial Planning

Michael Roethler Robert W Baird amp Company

Daniel Ryder Skylight Financial Group

Smita Samant BDS Financial Network

Pamela Sandy Confiance

Max L Schaffer Ameriprise Financial Services Inc

James Richard Schaffer Jr Waypoint Partners

Todd M Schmidt Advance Capital Management Page 4

Ashok Shendure BDS Financial Network

Rajanee Shendure BDS Financial Network

Robert Skrbis Ameriprise Financial Services Inc

Eric Tolbert Ameriprise Financial Services Inc

Laura Ann Tomco Morgan Stanley

Susan Siara Vasu Landing Point Financial GroupAmeriprise Financial Services Inc

Donald Wagner Good Shepherd Financial Page 7

Gary Wagner Carnegie Investment Counsel

Dean Weemhoff Beacon Financial Partners

Steven M Young Lincoln Financial Advisors

Jeff Zemito Skylight Financial Group

InvestmentsSteven M Adler Rolf-Adler

Group

Robert Apple Wunderlich Securities

John Bartels Inverness Investment Group

Steven Berman Wells Fargo Advisors LLC

Randall L Bliss Bliss Capital Advisors

Michael Bornhorst Wells Fargo Advisors LLC

Mark Breen NFP Advisor Services

Justin A Brock US Bancorp Investments

Kathleen Chapman Ridge Creek Global Page 8

Daniel Chavayda LPL Financial

James Duralia Wells Fargo Advisors LLC

Stephen Eppich EAM

Gary Fishback Wells Fargo Advisors LLC

Justin Fitchko Wells Fargo Advisors LLC

Linda Fousek Carnegie Investment Counsel

Mitchell Frankel Wells Fargo Advisors LLC

David Gottlieb Edward Jones

Steven P Hanousek Wells Fargo Advisors LLC

Patrick Edward Healy Wells Fargo Advisors LLC

Gregory Helms Ameriprise Financial Services Inc

Russell Howard Redwood Financial Network

Kathleen Indiano Indiano amp Company CPAs Page 4

Thomas B Johnson Morgan Stanley

Dennis Juvan Infinex Investments

Robert Karras R Karras Asset Management amp Planning Page 7

David Kocsis Peak Wealth Solutions

Gary J Kovach Tactical Investment Management

Paul J Labanc Ameriprise Financial Services Inc

David Lavelle Edward Jones Investments

John Patrick Lee Jr Wells Fargo Advisors LLC

Donna Kay Leseman Morgan Stanley Page 8

Michael Lewis AXA Advisors

Andrew Lukcso Huntington Investment Company Page 6

Jeffrey N Malbasa Spero-Smith Investment Advisers

Paul McCormack Inverness Investment Group

Kurt W Mears Advance Capital Management Page 4

Randal Kevin Mears Mears Financial Services Page 8

Eric Nilson Wells Fargo Advisors LLC

Susan Elaine Paolo Wells Fargo Advisors LLC Page 5

Darrin Plys Ameriprise Financial Services Inc

Jack Donald Polcar Wells Fargo Advisors LLC

Scott Polish Wells Fargo Advisors LLC

Harold Pollov Oasis Assets Management Group

Michael Rabe Wells Fargo Advisors LLC

Stephen Reagh Wells Fargo Advisors LLC

C Robert Rittberger Morgan Stanley

Laura Sedlak Wells Fargo Advisors LLC

Michael David Sejka Wells Fargo Advisors LLC

Scott Alan Simmerer Raymond James Financial Services Page 8

Satish Singh Ameriprise Financial Services Inc

Robert C Smith Spero-Smith Investment Advisers

Henry Spain Wells Fargo Advisors LLC

Cornelia Spring Cetera Advisor Networks

Abby Anne Stancik Wells Fargo Advisors LLC Page 6

Brent Teague Oswald Financial

Tom G Thacker II Oppenheimer amp Company

Dominic Tropiano Key Investment Services

Raymond Matthew Tropp Beacon Financial Partners

Porter Vergon Morgan Stanley

John Vrablic TIPS 4 Reps

Michael Vulku Ameriprise Financial Services Inc

Warren Wernick Wells Fargo Advisors LLC Page 3

Eric Wulff Aurum Wealth Management Group

Stephen Yarmesch Riverview Research

Michael Zawatsky Wunderlich Securities

William Henry Zufall III Zufall Financial Services

Financial planning is

a holistic approach to

financial well-being

mdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 3

Left to right Back row Eric N Kaleal Deidre A Wise Melissa L Zummo David V WohlabaughFront row Three-year winner Warren S Wernick DeAnna M Spear

The Wernick Wealth Management Group of Wells Fargo Advisors is deeply committed to helping our clients achieve their fi nancial goals and believe this is refl ected in our passion for what we do and how we do it We work closely with our clientele in the areas of lump-sum rollovers and in-service withdrawals from 401(k) plans We strive to personally meet with our clients on a continual basis so that we can be proactive based on the current fi nancial environment Our affi liated offi ces in Mentor and Westlake Ohio are available for initial consultations and follow-up meetings

Our dedication extends to the community where we work and live The Wernick Wealth Management Group is proud to be a supporting sponsor of the American Red Cross Hero Awards for the fourth consecutive year

30100 Chagrin Boulevard Suite 200 | Pepper Pike OH 44124Office 216-378-4641 | Toll-free 800-667-8699

wwwwwernickwfadvcom

bull 50-plus years of combined investment planning experience

bull Dedicated to providing ongoing advice and exceptional service

bull Personalized strategies for accumulating preserving and transferring wealth

Wells Fargo Advisors LLC Member SIPC [CAR 1214-02196]

The Wernick Wealth Management Groupof Wells Fargo Advisors LLC

Warren S WernickManaging Director ndash Investment Officer PIM Portfolio Manager

THREE-YEAR WINNER

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 4 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

5005 Rockside Road Suite 100Independence OH 44131

Office 800-457-4304Fax 216-520-1535

wwwacadvisercom

Advance Capital Management

Strategy Behind Every MoveTM

bull Helping clients reach their fi nancial goals since 1986

bull Off ering comprehensive fi nancial and retirement planning services

bull Services designed to fi t your life stage and goalsbull Client-centric and education-based philosophy

and approach

Left to right Kim De Jesus Sales Assistant two-year winners Kurt Mears Vice President andTodd Schmidt Senior Vice President

Choosing the right fi rm to invest and manage your money can be a daunting task Our goal is to help you sort through the maze of opinions facts and speculation and make the investment decisions best suited for your individual circumstance mdash and do so at the lowest possible cost We believe you deserve a fi nancial advocate a knowledgeable advisor who will work with you to create a long-term investment program that refl ects your specifi c needs challenges and goals Learn more at wwwacadvisercom

Advance Capital Management

Investment advisory services are provided by Advance Capital Management Inc Brokerage services may be provided by Advance Capital Services Inc an affiliated company Both companies are collectively referred to as ldquoAdvance Capitalrdquo Investments are not insured and may lose money Client should be prepared to bear the risks associated with investing

Strategy behind every movetrade

TWO-YEAR WINNER

Irsquom honored to be selected for the Five Star Wealth Manager award Indiano amp Company CPAs Inc is a multistate public accounting and fi nancial services fi rm Kathleen works with clients and their families in the areas of wealth accumulation and portfolio management cash fl ow retirement income and legacy planning Kathleen and her staff of qualifi ed professionals are committed to the highest level of personal service and to meeting the needs goals and objectives of our valued clients

6001 East Royalton Road Suite 180 | Broadview Heights OH 44147

Office 440-526-0126 | Toll-free 877-937-1040

kathleenindianoinvestfinancialcom | wwwindianocpacom

Three-year winner Kathleen Indiano CPA Financial Advisor Registered Representative INVEST Financial Corporation

INVEST Financial Corporation member FINRASIPC and its affiliated insurance agencies offer securities advisory services and certain insurance products and are not affiliated with Indiano amp Company CPAs Inc

INVEST does not offer tax or legal advice

Kathleen IndianoRegistered Representative INVEST Financial Corporation

THREE-YEAR WINNER

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 5

We are a fi nancial planning and investment management fi rm dedicated to serving the unique needs of preretirees and retirees in the evaluation analysis and implementation of a well-conceived fi nancial retirement and investment plan We use the latest technology to create customized fi nancial plans and investment portfolios to help clients achieve goals We are unconstrained in independence and fl exibility in off ering fi nancial advice and investment management services For more information please visit EliosFinancialcom

Center Point West 30700 Center Ridge Road | Westlake OH 44145

Office 440-617-9100

jimeliosfinancialcom | EliosFinancialcom

bull Comprehensive fi nancial planningbull Retirement planning expertisebull Independent investment management

Three-year winner James EliosSecurities offered through LPL Financial Member FINRASIPC Investment advice offered through

Elios Financial Group Inc a Registered Investment Advisor and separate entity from LPL Financial

Envision | Enlighten | Enrich

Elios Financial Group

THREE-YEAR WINNER

As a fi nancial advisor I am dedicated to helping my clients meet their fi nancial needs Whether you are planning your retirement saving for your childrenrsquos or grandchildrenrsquos education or looking to preserve your wealth I can help Before entering the fi nancial services industry I graduated from Hiram College with a degree in managementeconomics Lake Erie College with an MBA and worked as a vice president for Bank of America PNC Mortgage and Wells Fargo Home Mortgage Now an associate vice president investment offi cer with the Mentor offi ce of Wells Fargo Advisors I take pride in working for a fi rm that puts you fi rst My mission is to help each one of my clients plan for a fi nancial future in a way that best meets his or her goals And my commitment doesnrsquot end there I have been an active member of the local community for nearly 25 years I am currently involved with United Way of Geauga County and Red Key Network Away from the offi ce I also enjoy spending time with my husband of 25 years Domenic and our son Nic I look forward to extending my services to you and your family Making sure your wealth continues to work in support of the goals you have established takes careful planning Such planning is not a single event mdash it is a process As your life circumstances change so must the investment strategies I use to stay on course toward meeting your objectives That is why I work with you one-on-one to design investment strategies targeted to your specifi c needs and goals

8334 Mentor Avenue Suite 100 | Mentor OH 44060 Office 440-974-7513 | Cell 440-313-7060

susanpaolowellsfargoadvisorscom

2015 winner Susan Paolo

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04583]

Susan PaoloAssociate Vice President Investment OfficerFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 6 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

bull Comprehensive fi nancial advice and planningbull Private wealth management solutionsbull Insurance and risk management services

Regardless of your investment experience or level of wealth our goal is to help you get your arms around your current financial situation and develop a solid plan that leads you to achieving your ultimate financial objectives

6685 Beta DrMayfield Village OH 44143Office 440-449-6800rdcoodesmcofinancialcomwwwskodaminottifinancialcom

Delivering on the Promise of Trust

Advisory Services offered through Investment Advisors a division of ProEquities Inca Registered Investment Advisor Securities offered through ProEquities Inc

a Registered Broker-Dealer Member FINRA SIPCSkoda Minotti Financial Services is independent of ProEquities Inc

Robert D CoodePartner

TWO-YEAR WINNER

bull Investment planning for all stages of lifebull Retirement income planningbull Personalized portfolio management

Abby Stancik has been serving the needs of her clients for more than 16 years She has developed a successful practice emphasizing long-term client relationships built on a foundation of ethics integrity and personal service Creating an investment plan that is specific for each client requires personal attention Abby will work closely with you to help define your goals develop your plan and track your progress

950 Main Ave Ste 300Cleveland OH 44113 Phone 216-574-7222Toll-free 800-537-4105abbystancikwfadvisorscomhomewellsfargoadvisorscomabbystancik

Dedicated to Your Success

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04215]

Abby StancikSenior Vice President ndash Investments CFPreg MBA ADPAreg

TWO-YEAR WINNER

bull Understanding you and your expectationsbull Developing a customized strategybull Implementation analysis and communicationbull 2013 ndash 2015 Five Star award winner

Integrity is the foundation of everything we do at The Cain Group at Morgan Stanley Personalized and customized service is what distinguishes us from our peers We feel that communication is imperative to a successful relationship for sound investment planning

31099 Chagrin BlvdPepper Pike OH 44124Office 216-360-4900Direct 216-360-8637lindacainmorganstanleycommorganstanleyfacomlindacain

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED

FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which itawards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification

requirements copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Linda CainFirst Vice President Financial Advisor CFPreg

THREE-YEAR WINNER

bull Financial planningbull Managed accountsbull Stocks bonds and mutual fundsbull Municipal bonds (ie tax-free bonds)bull Fixed and variable annuitiesWhether it comes to food sports teams or our heritage Clevelanders are known for their passion and loyalty My goal is simple to devote as much passion and loyalty into handling my clientsrsquo wealth as they did in earning it

200 Public Sq Ste 6-086 Cleveland OH 44114 Phone 216-515-6058andrewlukcsohuntingtoncom

Investment products and services are o ered by The Huntington Investment Company a registered broker dealer member FINRASIPC and a registered investment adviser with the US Securities and Exchange Commission (SEC) The Huntington

Investment Company is a wholly owned subsidiary of Huntington Bancshares Incorporated Investment and Insurance products are bull Not a Deposit bull Not FDIC Insured bull Not Insured by any Federal Government Agency

bull Not Guaranteed by the Bank bull May Lose Value

Andrew J Lukcso JrVice President Senior Financial AdvisorFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 7

bull Retirement planning strategiesbull Committed to exceptional client service since 1990bull Investment planningestate planning

ldquoMy clients are hard-working people who want to achieve a difference in their lives We are real people with real lives I want to help you secure and protect the things most important to you My team focuses on relieving stresses and complications that arise when matching family goals with financial strategies Together we make these goals a reality everyday hellip one client at a timerdquo mdash Don Wagner

20820 Chagrin Blvd Ste 200Shaker Heights OH 44122Office 216-295-0945Cell 216-235-4038donaldwagnerlplcom

Good ShepherdFinancial

Founded on One Promise Do Whatrsquos Right

Securities offered through LPL Financial Member FINRASIPC

Donald V Wagner

THREE-YEAR WINNER

bull Asset management and wealth creationbull Independent objective advicebull Customized and personal fi nancial planning

It is an honor to be a multiyear recipient (2013 ndash 2015) of the Five Star Wealth Manager award Our goal at R Karras Asset Management amp Planning LLC has always been to connect and engage with our clients Our process allows clients one-on-one attention with a knowledgeable partner helping them pursue their goals and dreams Our mission is consistent to work closely with each client to execute the life plan they envisioned

5005 Rockside Rd Ste 600 Independence OH 44131Office 216-573-3788 rkarrasrkarrascomwwwrkarrascom

R Karras Asset Management amp Planning LLC

Customized Objective Solutions

Robert KarrasCFPreg CLUreg ChFCreg President Registered Investment Advisor

THREE-YEAR WINNER

bull Retirement income planningbull Executive compensation and benefi ts reviewbull Estate planningbull Intergenerational planningbull Insurance off erings

With over 20 years of experience Andrewrsquos top priority is to work closely with his clients to help them feel more confi dent about their fi nancial future and give them more peace of mind

20033 Detroit Rd Ste 202Rocky River OH 44116Phone 440-799-8300AndrewBarkleyampfcomameripriseadvisorscomandrewbarkley

Confi dent Wealth Management Strategies

Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial success Ameriprise Financial and its representatives do not provide tax

or legal advice Consult your tax advisor or attorney regarding speci c tax or legal issues Ameriprise Financial Services Inc Member FINRA and SIPC

Andrew J BarkleyCFPreg Financial Advisor Managing Partner

ldquoClients donrsquot care how much you know until they know how much you carerdquomdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 8 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

As a 2013 2014 and 2015 Five Star Wealth Manager award winner Scott A Simmerer has more than 30 years of experience in the financial services industry Scott advises clients on a broad range of wealth management strategies He focuses on listening to each client Everyonersquos needs and financial goals are unique

Raymond James Financial Services Inc

1100 Chester Ave Ste A90Cleveland OH 44115Cell 440-725-7105Office 216-621-8844ScottSimmererRaymondJamescomwwwRaymondJamescom

Scott A SimmererInvestment Advisor Rep Financial Consultant

Raymond James Financial Services Inc Member FINRASIPC This award is bestowed by an independent third-party that is not a liated with Raymond James

THREE-YEAR WINNER

I am celebrating 25 years as a f inancial professional with proven experience expertise and commitment to my clients The promise is to grant you my undivided attention and tailor an investment plan that fits your personal situation

Mears Financial Services Inc

9930 Johnnycake Ridge RdSte 5AMentor OH 44060Office 440-639-1998 Phone 440-487-7720Randymearsfinancialcom

Randy MearsFinancial Consultant

Securities and advisory services o ered through Commonwealth Financial Network Member FINRASIPC Registered Investment Adviser

THREE-YEAR WINNER

I have been a wealth coach with Money Concepts for 24 years Our office focuses on providing planning for 1) cost-effective retirement plans for small businesses and nonprofit groups and 2) individual 401(k) reviews with family income and asset preservation strategies

Money Concepts

7145 Mentor Ave Ste 107Mentor OH 44060Cell 216-598-1952Office 440-946-1952wwwmoneyconceptscomebrassebrassmoneyconceptscom

Ernie BrassPresident MA

All securities through Money Concepts Capital Corp Member SIPC

TWO-YEAR WINNER

I am privileged to connect with families across generations and support dedicated individuals serving on institutional boards We journey together making thoughtful client-centric financial decisions with objectivity transparency and integrity

1111 Chester Ave Ste 530Cleveland OH 44114 Phone 440-572-5733 chapmanridgecreekglobalcomridgecreekglobalcom

Kathi ChapmanFounder CEO CFAreg CPWAreg

Financial PlanningMichael J Baker MJ Baker

Financial Advisors

Andrew J Barkley Ameriprise Financial Services Inc Page 7

Jeff Barone Morgan Stanley

Lawrence Charles Barrett Sagemark Consulting Private Wealth Services

Gregory Berlin Wunderlich Securities

Timothy Cooper Bonar Ameriprise Financial Services Inc

Michael Bongers Robert W Baird amp Company

Robert Bove LPL Financial

Ernie Brass Money Concepts Capital Corporation Page 8

Linda Cain Morgan Stanley Page 6

Peter Calfee Calfee Financial Advisors

Denes Chapo US Bancorp Investments

Mark Anthony Ciulla Capital Advisors

Thomas Compernolle The Partners GroupAmeriprise Financial Services Inc

Robert D Coode Skoda Minotti Financial Services Page 6

Thomas H Craft Sagemark Consulting Private Wealth Services

Matthew C Daugherty Ameriprise Financial Services Inc

Jim Eismon Valic Financial Advisors

James Elios Elios Financial Group Page 5

Frank Fantozzi LPL Financial

Joe L Flinner Landing Point Financial GroupAmeriprise Financial Services Inc

David Frank American Portfolios

Steven Frederick Ameriprise Financial Services Inc

Robert Fritts Raymond James Financial Services

Laurie Gerdy Emery Financial Group

David Gomersall Cornerstone Financial Services

William John Gordon Redwood Financial Network

David Grano Lincoln Financial Advisors

Gary A Hannah 212 Capital Group

Robert Hoffman Thrivent Financial

Carrie Hruska Cramer Capital Management

My goal is to have a relationship with my clients which gives them a comfort level to call me Communication is key to a long-lasting successful relationship Education on investing saving for college wealth management and income accumulation is what you can expect

200 Public Sq Ste 2600 Cleveland OH 44114 Phone 216-523-3110

Donna LesemanFinancial Advisor

bull Educate clients on their investmentsbull Committed to exceptional client service

copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Gregory guides successful professionals and families to help protect grow and transfer wealth The primary focus for his clients is to increase and preserve the value of their largest assets whether they are investments or private business interests

Oswald Wealth

1100 Superior Ave Ste 1345Cleveland OH 44114 Phone 216-649-2676 greglopezgsirepcom

Gregory LopezCERTIFIED FINANCIAL PLANNERtrade

Securities and investment advisory services o ered through Girard Securities Member FINRA SIPC Oswald Wealth is not a liated

with Girard Securities

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 9

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Venera Izant Merrill Lynch

Sunwook Jin Redwood Financial Network

David Jones Cetera Advisor Networks

Frank Kirchner LPL Financial

Daniel Lauletta Plan Corporation

John Lipaj True North Financial amp Investment Planning

Gregory Lopez Oswald Wealth Page 8

Michael Maynard Morgan Stanley

Gregory Morris Capital Planners

Larry November Lincoln Financial Advisors

Richard Packer LPL Financial

Douglas Atkinson Price Capital Advisors

Patricia Quinonez Quinonez amp AssociatesAmeriprise Financial Services Inc Page 2

Lynn Rasko Morgan Stanley

Kenneth F Robinson Practical Financial Planning

Michael Roethler Robert W Baird amp Company

Daniel Ryder Skylight Financial Group

Smita Samant BDS Financial Network

Pamela Sandy Confiance

Max L Schaffer Ameriprise Financial Services Inc

James Richard Schaffer Jr Waypoint Partners

Todd M Schmidt Advance Capital Management Page 4

Ashok Shendure BDS Financial Network

Rajanee Shendure BDS Financial Network

Robert Skrbis Ameriprise Financial Services Inc

Eric Tolbert Ameriprise Financial Services Inc

Laura Ann Tomco Morgan Stanley

Susan Siara Vasu Landing Point Financial GroupAmeriprise Financial Services Inc

Donald Wagner Good Shepherd Financial Page 7

Gary Wagner Carnegie Investment Counsel

Dean Weemhoff Beacon Financial Partners

Steven M Young Lincoln Financial Advisors

Jeff Zemito Skylight Financial Group

InvestmentsSteven M Adler Rolf-Adler

Group

Robert Apple Wunderlich Securities

John Bartels Inverness Investment Group

Steven Berman Wells Fargo Advisors LLC

Randall L Bliss Bliss Capital Advisors

Michael Bornhorst Wells Fargo Advisors LLC

Mark Breen NFP Advisor Services

Justin A Brock US Bancorp Investments

Kathleen Chapman Ridge Creek Global Page 8

Daniel Chavayda LPL Financial

James Duralia Wells Fargo Advisors LLC

Stephen Eppich EAM

Gary Fishback Wells Fargo Advisors LLC

Justin Fitchko Wells Fargo Advisors LLC

Linda Fousek Carnegie Investment Counsel

Mitchell Frankel Wells Fargo Advisors LLC

David Gottlieb Edward Jones

Steven P Hanousek Wells Fargo Advisors LLC

Patrick Edward Healy Wells Fargo Advisors LLC

Gregory Helms Ameriprise Financial Services Inc

Russell Howard Redwood Financial Network

Kathleen Indiano Indiano amp Company CPAs Page 4

Thomas B Johnson Morgan Stanley

Dennis Juvan Infinex Investments

Robert Karras R Karras Asset Management amp Planning Page 7

David Kocsis Peak Wealth Solutions

Gary J Kovach Tactical Investment Management

Paul J Labanc Ameriprise Financial Services Inc

David Lavelle Edward Jones Investments

John Patrick Lee Jr Wells Fargo Advisors LLC

Donna Kay Leseman Morgan Stanley Page 8

Michael Lewis AXA Advisors

Andrew Lukcso Huntington Investment Company Page 6

Jeffrey N Malbasa Spero-Smith Investment Advisers

Paul McCormack Inverness Investment Group

Kurt W Mears Advance Capital Management Page 4

Randal Kevin Mears Mears Financial Services Page 8

Eric Nilson Wells Fargo Advisors LLC

Susan Elaine Paolo Wells Fargo Advisors LLC Page 5

Darrin Plys Ameriprise Financial Services Inc

Jack Donald Polcar Wells Fargo Advisors LLC

Scott Polish Wells Fargo Advisors LLC

Harold Pollov Oasis Assets Management Group

Michael Rabe Wells Fargo Advisors LLC

Stephen Reagh Wells Fargo Advisors LLC

C Robert Rittberger Morgan Stanley

Laura Sedlak Wells Fargo Advisors LLC

Michael David Sejka Wells Fargo Advisors LLC

Scott Alan Simmerer Raymond James Financial Services Page 8

Satish Singh Ameriprise Financial Services Inc

Robert C Smith Spero-Smith Investment Advisers

Henry Spain Wells Fargo Advisors LLC

Cornelia Spring Cetera Advisor Networks

Abby Anne Stancik Wells Fargo Advisors LLC Page 6

Brent Teague Oswald Financial

Tom G Thacker II Oppenheimer amp Company

Dominic Tropiano Key Investment Services

Raymond Matthew Tropp Beacon Financial Partners

Porter Vergon Morgan Stanley

John Vrablic TIPS 4 Reps

Michael Vulku Ameriprise Financial Services Inc

Warren Wernick Wells Fargo Advisors LLC Page 3

Eric Wulff Aurum Wealth Management Group

Stephen Yarmesch Riverview Research

Michael Zawatsky Wunderlich Securities

William Henry Zufall III Zufall Financial Services

Financial planning is

a holistic approach to

financial well-being

mdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 4 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

5005 Rockside Road Suite 100Independence OH 44131

Office 800-457-4304Fax 216-520-1535

wwwacadvisercom

Advance Capital Management

Strategy Behind Every MoveTM

bull Helping clients reach their fi nancial goals since 1986

bull Off ering comprehensive fi nancial and retirement planning services

bull Services designed to fi t your life stage and goalsbull Client-centric and education-based philosophy

and approach

Left to right Kim De Jesus Sales Assistant two-year winners Kurt Mears Vice President andTodd Schmidt Senior Vice President

Choosing the right fi rm to invest and manage your money can be a daunting task Our goal is to help you sort through the maze of opinions facts and speculation and make the investment decisions best suited for your individual circumstance mdash and do so at the lowest possible cost We believe you deserve a fi nancial advocate a knowledgeable advisor who will work with you to create a long-term investment program that refl ects your specifi c needs challenges and goals Learn more at wwwacadvisercom

Advance Capital Management

Investment advisory services are provided by Advance Capital Management Inc Brokerage services may be provided by Advance Capital Services Inc an affiliated company Both companies are collectively referred to as ldquoAdvance Capitalrdquo Investments are not insured and may lose money Client should be prepared to bear the risks associated with investing

Strategy behind every movetrade

TWO-YEAR WINNER

Irsquom honored to be selected for the Five Star Wealth Manager award Indiano amp Company CPAs Inc is a multistate public accounting and fi nancial services fi rm Kathleen works with clients and their families in the areas of wealth accumulation and portfolio management cash fl ow retirement income and legacy planning Kathleen and her staff of qualifi ed professionals are committed to the highest level of personal service and to meeting the needs goals and objectives of our valued clients

6001 East Royalton Road Suite 180 | Broadview Heights OH 44147

Office 440-526-0126 | Toll-free 877-937-1040

kathleenindianoinvestfinancialcom | wwwindianocpacom

Three-year winner Kathleen Indiano CPA Financial Advisor Registered Representative INVEST Financial Corporation

INVEST Financial Corporation member FINRASIPC and its affiliated insurance agencies offer securities advisory services and certain insurance products and are not affiliated with Indiano amp Company CPAs Inc

INVEST does not offer tax or legal advice

Kathleen IndianoRegistered Representative INVEST Financial Corporation

THREE-YEAR WINNER

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 5

We are a fi nancial planning and investment management fi rm dedicated to serving the unique needs of preretirees and retirees in the evaluation analysis and implementation of a well-conceived fi nancial retirement and investment plan We use the latest technology to create customized fi nancial plans and investment portfolios to help clients achieve goals We are unconstrained in independence and fl exibility in off ering fi nancial advice and investment management services For more information please visit EliosFinancialcom

Center Point West 30700 Center Ridge Road | Westlake OH 44145

Office 440-617-9100

jimeliosfinancialcom | EliosFinancialcom

bull Comprehensive fi nancial planningbull Retirement planning expertisebull Independent investment management

Three-year winner James EliosSecurities offered through LPL Financial Member FINRASIPC Investment advice offered through

Elios Financial Group Inc a Registered Investment Advisor and separate entity from LPL Financial

Envision | Enlighten | Enrich

Elios Financial Group

THREE-YEAR WINNER

As a fi nancial advisor I am dedicated to helping my clients meet their fi nancial needs Whether you are planning your retirement saving for your childrenrsquos or grandchildrenrsquos education or looking to preserve your wealth I can help Before entering the fi nancial services industry I graduated from Hiram College with a degree in managementeconomics Lake Erie College with an MBA and worked as a vice president for Bank of America PNC Mortgage and Wells Fargo Home Mortgage Now an associate vice president investment offi cer with the Mentor offi ce of Wells Fargo Advisors I take pride in working for a fi rm that puts you fi rst My mission is to help each one of my clients plan for a fi nancial future in a way that best meets his or her goals And my commitment doesnrsquot end there I have been an active member of the local community for nearly 25 years I am currently involved with United Way of Geauga County and Red Key Network Away from the offi ce I also enjoy spending time with my husband of 25 years Domenic and our son Nic I look forward to extending my services to you and your family Making sure your wealth continues to work in support of the goals you have established takes careful planning Such planning is not a single event mdash it is a process As your life circumstances change so must the investment strategies I use to stay on course toward meeting your objectives That is why I work with you one-on-one to design investment strategies targeted to your specifi c needs and goals

8334 Mentor Avenue Suite 100 | Mentor OH 44060 Office 440-974-7513 | Cell 440-313-7060

susanpaolowellsfargoadvisorscom

2015 winner Susan Paolo

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04583]

Susan PaoloAssociate Vice President Investment OfficerFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 6 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

bull Comprehensive fi nancial advice and planningbull Private wealth management solutionsbull Insurance and risk management services

Regardless of your investment experience or level of wealth our goal is to help you get your arms around your current financial situation and develop a solid plan that leads you to achieving your ultimate financial objectives

6685 Beta DrMayfield Village OH 44143Office 440-449-6800rdcoodesmcofinancialcomwwwskodaminottifinancialcom

Delivering on the Promise of Trust

Advisory Services offered through Investment Advisors a division of ProEquities Inca Registered Investment Advisor Securities offered through ProEquities Inc

a Registered Broker-Dealer Member FINRA SIPCSkoda Minotti Financial Services is independent of ProEquities Inc

Robert D CoodePartner

TWO-YEAR WINNER

bull Investment planning for all stages of lifebull Retirement income planningbull Personalized portfolio management

Abby Stancik has been serving the needs of her clients for more than 16 years She has developed a successful practice emphasizing long-term client relationships built on a foundation of ethics integrity and personal service Creating an investment plan that is specific for each client requires personal attention Abby will work closely with you to help define your goals develop your plan and track your progress

950 Main Ave Ste 300Cleveland OH 44113 Phone 216-574-7222Toll-free 800-537-4105abbystancikwfadvisorscomhomewellsfargoadvisorscomabbystancik

Dedicated to Your Success

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04215]

Abby StancikSenior Vice President ndash Investments CFPreg MBA ADPAreg

TWO-YEAR WINNER

bull Understanding you and your expectationsbull Developing a customized strategybull Implementation analysis and communicationbull 2013 ndash 2015 Five Star award winner

Integrity is the foundation of everything we do at The Cain Group at Morgan Stanley Personalized and customized service is what distinguishes us from our peers We feel that communication is imperative to a successful relationship for sound investment planning

31099 Chagrin BlvdPepper Pike OH 44124Office 216-360-4900Direct 216-360-8637lindacainmorganstanleycommorganstanleyfacomlindacain

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED

FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which itawards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification

requirements copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Linda CainFirst Vice President Financial Advisor CFPreg

THREE-YEAR WINNER

bull Financial planningbull Managed accountsbull Stocks bonds and mutual fundsbull Municipal bonds (ie tax-free bonds)bull Fixed and variable annuitiesWhether it comes to food sports teams or our heritage Clevelanders are known for their passion and loyalty My goal is simple to devote as much passion and loyalty into handling my clientsrsquo wealth as they did in earning it

200 Public Sq Ste 6-086 Cleveland OH 44114 Phone 216-515-6058andrewlukcsohuntingtoncom

Investment products and services are o ered by The Huntington Investment Company a registered broker dealer member FINRASIPC and a registered investment adviser with the US Securities and Exchange Commission (SEC) The Huntington

Investment Company is a wholly owned subsidiary of Huntington Bancshares Incorporated Investment and Insurance products are bull Not a Deposit bull Not FDIC Insured bull Not Insured by any Federal Government Agency

bull Not Guaranteed by the Bank bull May Lose Value

Andrew J Lukcso JrVice President Senior Financial AdvisorFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 7

bull Retirement planning strategiesbull Committed to exceptional client service since 1990bull Investment planningestate planning

ldquoMy clients are hard-working people who want to achieve a difference in their lives We are real people with real lives I want to help you secure and protect the things most important to you My team focuses on relieving stresses and complications that arise when matching family goals with financial strategies Together we make these goals a reality everyday hellip one client at a timerdquo mdash Don Wagner

20820 Chagrin Blvd Ste 200Shaker Heights OH 44122Office 216-295-0945Cell 216-235-4038donaldwagnerlplcom

Good ShepherdFinancial

Founded on One Promise Do Whatrsquos Right

Securities offered through LPL Financial Member FINRASIPC

Donald V Wagner

THREE-YEAR WINNER

bull Asset management and wealth creationbull Independent objective advicebull Customized and personal fi nancial planning

It is an honor to be a multiyear recipient (2013 ndash 2015) of the Five Star Wealth Manager award Our goal at R Karras Asset Management amp Planning LLC has always been to connect and engage with our clients Our process allows clients one-on-one attention with a knowledgeable partner helping them pursue their goals and dreams Our mission is consistent to work closely with each client to execute the life plan they envisioned

5005 Rockside Rd Ste 600 Independence OH 44131Office 216-573-3788 rkarrasrkarrascomwwwrkarrascom

R Karras Asset Management amp Planning LLC

Customized Objective Solutions

Robert KarrasCFPreg CLUreg ChFCreg President Registered Investment Advisor

THREE-YEAR WINNER

bull Retirement income planningbull Executive compensation and benefi ts reviewbull Estate planningbull Intergenerational planningbull Insurance off erings

With over 20 years of experience Andrewrsquos top priority is to work closely with his clients to help them feel more confi dent about their fi nancial future and give them more peace of mind

20033 Detroit Rd Ste 202Rocky River OH 44116Phone 440-799-8300AndrewBarkleyampfcomameripriseadvisorscomandrewbarkley

Confi dent Wealth Management Strategies

Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial success Ameriprise Financial and its representatives do not provide tax

or legal advice Consult your tax advisor or attorney regarding speci c tax or legal issues Ameriprise Financial Services Inc Member FINRA and SIPC

Andrew J BarkleyCFPreg Financial Advisor Managing Partner

ldquoClients donrsquot care how much you know until they know how much you carerdquomdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 8 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

As a 2013 2014 and 2015 Five Star Wealth Manager award winner Scott A Simmerer has more than 30 years of experience in the financial services industry Scott advises clients on a broad range of wealth management strategies He focuses on listening to each client Everyonersquos needs and financial goals are unique

Raymond James Financial Services Inc

1100 Chester Ave Ste A90Cleveland OH 44115Cell 440-725-7105Office 216-621-8844ScottSimmererRaymondJamescomwwwRaymondJamescom

Scott A SimmererInvestment Advisor Rep Financial Consultant

Raymond James Financial Services Inc Member FINRASIPC This award is bestowed by an independent third-party that is not a liated with Raymond James

THREE-YEAR WINNER

I am celebrating 25 years as a f inancial professional with proven experience expertise and commitment to my clients The promise is to grant you my undivided attention and tailor an investment plan that fits your personal situation

Mears Financial Services Inc

9930 Johnnycake Ridge RdSte 5AMentor OH 44060Office 440-639-1998 Phone 440-487-7720Randymearsfinancialcom

Randy MearsFinancial Consultant

Securities and advisory services o ered through Commonwealth Financial Network Member FINRASIPC Registered Investment Adviser

THREE-YEAR WINNER

I have been a wealth coach with Money Concepts for 24 years Our office focuses on providing planning for 1) cost-effective retirement plans for small businesses and nonprofit groups and 2) individual 401(k) reviews with family income and asset preservation strategies

Money Concepts

7145 Mentor Ave Ste 107Mentor OH 44060Cell 216-598-1952Office 440-946-1952wwwmoneyconceptscomebrassebrassmoneyconceptscom

Ernie BrassPresident MA

All securities through Money Concepts Capital Corp Member SIPC

TWO-YEAR WINNER

I am privileged to connect with families across generations and support dedicated individuals serving on institutional boards We journey together making thoughtful client-centric financial decisions with objectivity transparency and integrity

1111 Chester Ave Ste 530Cleveland OH 44114 Phone 440-572-5733 chapmanridgecreekglobalcomridgecreekglobalcom

Kathi ChapmanFounder CEO CFAreg CPWAreg

Financial PlanningMichael J Baker MJ Baker

Financial Advisors

Andrew J Barkley Ameriprise Financial Services Inc Page 7

Jeff Barone Morgan Stanley

Lawrence Charles Barrett Sagemark Consulting Private Wealth Services

Gregory Berlin Wunderlich Securities

Timothy Cooper Bonar Ameriprise Financial Services Inc

Michael Bongers Robert W Baird amp Company

Robert Bove LPL Financial

Ernie Brass Money Concepts Capital Corporation Page 8

Linda Cain Morgan Stanley Page 6

Peter Calfee Calfee Financial Advisors

Denes Chapo US Bancorp Investments

Mark Anthony Ciulla Capital Advisors

Thomas Compernolle The Partners GroupAmeriprise Financial Services Inc

Robert D Coode Skoda Minotti Financial Services Page 6

Thomas H Craft Sagemark Consulting Private Wealth Services

Matthew C Daugherty Ameriprise Financial Services Inc

Jim Eismon Valic Financial Advisors

James Elios Elios Financial Group Page 5

Frank Fantozzi LPL Financial

Joe L Flinner Landing Point Financial GroupAmeriprise Financial Services Inc

David Frank American Portfolios

Steven Frederick Ameriprise Financial Services Inc

Robert Fritts Raymond James Financial Services

Laurie Gerdy Emery Financial Group

David Gomersall Cornerstone Financial Services

William John Gordon Redwood Financial Network

David Grano Lincoln Financial Advisors

Gary A Hannah 212 Capital Group

Robert Hoffman Thrivent Financial

Carrie Hruska Cramer Capital Management

My goal is to have a relationship with my clients which gives them a comfort level to call me Communication is key to a long-lasting successful relationship Education on investing saving for college wealth management and income accumulation is what you can expect

200 Public Sq Ste 2600 Cleveland OH 44114 Phone 216-523-3110

Donna LesemanFinancial Advisor

bull Educate clients on their investmentsbull Committed to exceptional client service

copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Gregory guides successful professionals and families to help protect grow and transfer wealth The primary focus for his clients is to increase and preserve the value of their largest assets whether they are investments or private business interests

Oswald Wealth

1100 Superior Ave Ste 1345Cleveland OH 44114 Phone 216-649-2676 greglopezgsirepcom

Gregory LopezCERTIFIED FINANCIAL PLANNERtrade

Securities and investment advisory services o ered through Girard Securities Member FINRA SIPC Oswald Wealth is not a liated

with Girard Securities

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 9

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Venera Izant Merrill Lynch

Sunwook Jin Redwood Financial Network

David Jones Cetera Advisor Networks

Frank Kirchner LPL Financial

Daniel Lauletta Plan Corporation

John Lipaj True North Financial amp Investment Planning

Gregory Lopez Oswald Wealth Page 8

Michael Maynard Morgan Stanley

Gregory Morris Capital Planners

Larry November Lincoln Financial Advisors

Richard Packer LPL Financial

Douglas Atkinson Price Capital Advisors

Patricia Quinonez Quinonez amp AssociatesAmeriprise Financial Services Inc Page 2

Lynn Rasko Morgan Stanley

Kenneth F Robinson Practical Financial Planning

Michael Roethler Robert W Baird amp Company

Daniel Ryder Skylight Financial Group

Smita Samant BDS Financial Network

Pamela Sandy Confiance

Max L Schaffer Ameriprise Financial Services Inc

James Richard Schaffer Jr Waypoint Partners

Todd M Schmidt Advance Capital Management Page 4

Ashok Shendure BDS Financial Network

Rajanee Shendure BDS Financial Network

Robert Skrbis Ameriprise Financial Services Inc

Eric Tolbert Ameriprise Financial Services Inc

Laura Ann Tomco Morgan Stanley

Susan Siara Vasu Landing Point Financial GroupAmeriprise Financial Services Inc

Donald Wagner Good Shepherd Financial Page 7

Gary Wagner Carnegie Investment Counsel

Dean Weemhoff Beacon Financial Partners

Steven M Young Lincoln Financial Advisors

Jeff Zemito Skylight Financial Group

InvestmentsSteven M Adler Rolf-Adler

Group

Robert Apple Wunderlich Securities

John Bartels Inverness Investment Group

Steven Berman Wells Fargo Advisors LLC

Randall L Bliss Bliss Capital Advisors

Michael Bornhorst Wells Fargo Advisors LLC

Mark Breen NFP Advisor Services

Justin A Brock US Bancorp Investments

Kathleen Chapman Ridge Creek Global Page 8

Daniel Chavayda LPL Financial

James Duralia Wells Fargo Advisors LLC

Stephen Eppich EAM

Gary Fishback Wells Fargo Advisors LLC

Justin Fitchko Wells Fargo Advisors LLC

Linda Fousek Carnegie Investment Counsel

Mitchell Frankel Wells Fargo Advisors LLC

David Gottlieb Edward Jones

Steven P Hanousek Wells Fargo Advisors LLC

Patrick Edward Healy Wells Fargo Advisors LLC

Gregory Helms Ameriprise Financial Services Inc

Russell Howard Redwood Financial Network

Kathleen Indiano Indiano amp Company CPAs Page 4

Thomas B Johnson Morgan Stanley

Dennis Juvan Infinex Investments

Robert Karras R Karras Asset Management amp Planning Page 7

David Kocsis Peak Wealth Solutions

Gary J Kovach Tactical Investment Management

Paul J Labanc Ameriprise Financial Services Inc

David Lavelle Edward Jones Investments

John Patrick Lee Jr Wells Fargo Advisors LLC

Donna Kay Leseman Morgan Stanley Page 8

Michael Lewis AXA Advisors

Andrew Lukcso Huntington Investment Company Page 6

Jeffrey N Malbasa Spero-Smith Investment Advisers

Paul McCormack Inverness Investment Group

Kurt W Mears Advance Capital Management Page 4

Randal Kevin Mears Mears Financial Services Page 8

Eric Nilson Wells Fargo Advisors LLC

Susan Elaine Paolo Wells Fargo Advisors LLC Page 5

Darrin Plys Ameriprise Financial Services Inc

Jack Donald Polcar Wells Fargo Advisors LLC

Scott Polish Wells Fargo Advisors LLC

Harold Pollov Oasis Assets Management Group

Michael Rabe Wells Fargo Advisors LLC

Stephen Reagh Wells Fargo Advisors LLC

C Robert Rittberger Morgan Stanley

Laura Sedlak Wells Fargo Advisors LLC

Michael David Sejka Wells Fargo Advisors LLC

Scott Alan Simmerer Raymond James Financial Services Page 8

Satish Singh Ameriprise Financial Services Inc

Robert C Smith Spero-Smith Investment Advisers

Henry Spain Wells Fargo Advisors LLC

Cornelia Spring Cetera Advisor Networks

Abby Anne Stancik Wells Fargo Advisors LLC Page 6

Brent Teague Oswald Financial

Tom G Thacker II Oppenheimer amp Company

Dominic Tropiano Key Investment Services

Raymond Matthew Tropp Beacon Financial Partners

Porter Vergon Morgan Stanley

John Vrablic TIPS 4 Reps

Michael Vulku Ameriprise Financial Services Inc

Warren Wernick Wells Fargo Advisors LLC Page 3

Eric Wulff Aurum Wealth Management Group

Stephen Yarmesch Riverview Research

Michael Zawatsky Wunderlich Securities

William Henry Zufall III Zufall Financial Services

Financial planning is

a holistic approach to

financial well-being

mdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 5

We are a fi nancial planning and investment management fi rm dedicated to serving the unique needs of preretirees and retirees in the evaluation analysis and implementation of a well-conceived fi nancial retirement and investment plan We use the latest technology to create customized fi nancial plans and investment portfolios to help clients achieve goals We are unconstrained in independence and fl exibility in off ering fi nancial advice and investment management services For more information please visit EliosFinancialcom

Center Point West 30700 Center Ridge Road | Westlake OH 44145

Office 440-617-9100

jimeliosfinancialcom | EliosFinancialcom

bull Comprehensive fi nancial planningbull Retirement planning expertisebull Independent investment management

Three-year winner James EliosSecurities offered through LPL Financial Member FINRASIPC Investment advice offered through

Elios Financial Group Inc a Registered Investment Advisor and separate entity from LPL Financial

Envision | Enlighten | Enrich

Elios Financial Group

THREE-YEAR WINNER

As a fi nancial advisor I am dedicated to helping my clients meet their fi nancial needs Whether you are planning your retirement saving for your childrenrsquos or grandchildrenrsquos education or looking to preserve your wealth I can help Before entering the fi nancial services industry I graduated from Hiram College with a degree in managementeconomics Lake Erie College with an MBA and worked as a vice president for Bank of America PNC Mortgage and Wells Fargo Home Mortgage Now an associate vice president investment offi cer with the Mentor offi ce of Wells Fargo Advisors I take pride in working for a fi rm that puts you fi rst My mission is to help each one of my clients plan for a fi nancial future in a way that best meets his or her goals And my commitment doesnrsquot end there I have been an active member of the local community for nearly 25 years I am currently involved with United Way of Geauga County and Red Key Network Away from the offi ce I also enjoy spending time with my husband of 25 years Domenic and our son Nic I look forward to extending my services to you and your family Making sure your wealth continues to work in support of the goals you have established takes careful planning Such planning is not a single event mdash it is a process As your life circumstances change so must the investment strategies I use to stay on course toward meeting your objectives That is why I work with you one-on-one to design investment strategies targeted to your specifi c needs and goals

8334 Mentor Avenue Suite 100 | Mentor OH 44060 Office 440-974-7513 | Cell 440-313-7060

susanpaolowellsfargoadvisorscom

2015 winner Susan Paolo

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04583]

Susan PaoloAssociate Vice President Investment OfficerFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 6 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

bull Comprehensive fi nancial advice and planningbull Private wealth management solutionsbull Insurance and risk management services

Regardless of your investment experience or level of wealth our goal is to help you get your arms around your current financial situation and develop a solid plan that leads you to achieving your ultimate financial objectives

6685 Beta DrMayfield Village OH 44143Office 440-449-6800rdcoodesmcofinancialcomwwwskodaminottifinancialcom

Delivering on the Promise of Trust

Advisory Services offered through Investment Advisors a division of ProEquities Inca Registered Investment Advisor Securities offered through ProEquities Inc

a Registered Broker-Dealer Member FINRA SIPCSkoda Minotti Financial Services is independent of ProEquities Inc

Robert D CoodePartner

TWO-YEAR WINNER

bull Investment planning for all stages of lifebull Retirement income planningbull Personalized portfolio management

Abby Stancik has been serving the needs of her clients for more than 16 years She has developed a successful practice emphasizing long-term client relationships built on a foundation of ethics integrity and personal service Creating an investment plan that is specific for each client requires personal attention Abby will work closely with you to help define your goals develop your plan and track your progress

950 Main Ave Ste 300Cleveland OH 44113 Phone 216-574-7222Toll-free 800-537-4105abbystancikwfadvisorscomhomewellsfargoadvisorscomabbystancik

Dedicated to Your Success

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04215]

Abby StancikSenior Vice President ndash Investments CFPreg MBA ADPAreg

TWO-YEAR WINNER

bull Understanding you and your expectationsbull Developing a customized strategybull Implementation analysis and communicationbull 2013 ndash 2015 Five Star award winner

Integrity is the foundation of everything we do at The Cain Group at Morgan Stanley Personalized and customized service is what distinguishes us from our peers We feel that communication is imperative to a successful relationship for sound investment planning

31099 Chagrin BlvdPepper Pike OH 44124Office 216-360-4900Direct 216-360-8637lindacainmorganstanleycommorganstanleyfacomlindacain

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED

FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which itawards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification

requirements copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Linda CainFirst Vice President Financial Advisor CFPreg

THREE-YEAR WINNER

bull Financial planningbull Managed accountsbull Stocks bonds and mutual fundsbull Municipal bonds (ie tax-free bonds)bull Fixed and variable annuitiesWhether it comes to food sports teams or our heritage Clevelanders are known for their passion and loyalty My goal is simple to devote as much passion and loyalty into handling my clientsrsquo wealth as they did in earning it

200 Public Sq Ste 6-086 Cleveland OH 44114 Phone 216-515-6058andrewlukcsohuntingtoncom

Investment products and services are o ered by The Huntington Investment Company a registered broker dealer member FINRASIPC and a registered investment adviser with the US Securities and Exchange Commission (SEC) The Huntington

Investment Company is a wholly owned subsidiary of Huntington Bancshares Incorporated Investment and Insurance products are bull Not a Deposit bull Not FDIC Insured bull Not Insured by any Federal Government Agency

bull Not Guaranteed by the Bank bull May Lose Value

Andrew J Lukcso JrVice President Senior Financial AdvisorFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 7

bull Retirement planning strategiesbull Committed to exceptional client service since 1990bull Investment planningestate planning

ldquoMy clients are hard-working people who want to achieve a difference in their lives We are real people with real lives I want to help you secure and protect the things most important to you My team focuses on relieving stresses and complications that arise when matching family goals with financial strategies Together we make these goals a reality everyday hellip one client at a timerdquo mdash Don Wagner

20820 Chagrin Blvd Ste 200Shaker Heights OH 44122Office 216-295-0945Cell 216-235-4038donaldwagnerlplcom

Good ShepherdFinancial

Founded on One Promise Do Whatrsquos Right

Securities offered through LPL Financial Member FINRASIPC

Donald V Wagner

THREE-YEAR WINNER

bull Asset management and wealth creationbull Independent objective advicebull Customized and personal fi nancial planning

It is an honor to be a multiyear recipient (2013 ndash 2015) of the Five Star Wealth Manager award Our goal at R Karras Asset Management amp Planning LLC has always been to connect and engage with our clients Our process allows clients one-on-one attention with a knowledgeable partner helping them pursue their goals and dreams Our mission is consistent to work closely with each client to execute the life plan they envisioned

5005 Rockside Rd Ste 600 Independence OH 44131Office 216-573-3788 rkarrasrkarrascomwwwrkarrascom

R Karras Asset Management amp Planning LLC

Customized Objective Solutions

Robert KarrasCFPreg CLUreg ChFCreg President Registered Investment Advisor

THREE-YEAR WINNER

bull Retirement income planningbull Executive compensation and benefi ts reviewbull Estate planningbull Intergenerational planningbull Insurance off erings

With over 20 years of experience Andrewrsquos top priority is to work closely with his clients to help them feel more confi dent about their fi nancial future and give them more peace of mind

20033 Detroit Rd Ste 202Rocky River OH 44116Phone 440-799-8300AndrewBarkleyampfcomameripriseadvisorscomandrewbarkley

Confi dent Wealth Management Strategies

Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial success Ameriprise Financial and its representatives do not provide tax

or legal advice Consult your tax advisor or attorney regarding speci c tax or legal issues Ameriprise Financial Services Inc Member FINRA and SIPC

Andrew J BarkleyCFPreg Financial Advisor Managing Partner

ldquoClients donrsquot care how much you know until they know how much you carerdquomdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 8 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

As a 2013 2014 and 2015 Five Star Wealth Manager award winner Scott A Simmerer has more than 30 years of experience in the financial services industry Scott advises clients on a broad range of wealth management strategies He focuses on listening to each client Everyonersquos needs and financial goals are unique

Raymond James Financial Services Inc

1100 Chester Ave Ste A90Cleveland OH 44115Cell 440-725-7105Office 216-621-8844ScottSimmererRaymondJamescomwwwRaymondJamescom

Scott A SimmererInvestment Advisor Rep Financial Consultant

Raymond James Financial Services Inc Member FINRASIPC This award is bestowed by an independent third-party that is not a liated with Raymond James

THREE-YEAR WINNER

I am celebrating 25 years as a f inancial professional with proven experience expertise and commitment to my clients The promise is to grant you my undivided attention and tailor an investment plan that fits your personal situation

Mears Financial Services Inc

9930 Johnnycake Ridge RdSte 5AMentor OH 44060Office 440-639-1998 Phone 440-487-7720Randymearsfinancialcom

Randy MearsFinancial Consultant

Securities and advisory services o ered through Commonwealth Financial Network Member FINRASIPC Registered Investment Adviser

THREE-YEAR WINNER

I have been a wealth coach with Money Concepts for 24 years Our office focuses on providing planning for 1) cost-effective retirement plans for small businesses and nonprofit groups and 2) individual 401(k) reviews with family income and asset preservation strategies

Money Concepts

7145 Mentor Ave Ste 107Mentor OH 44060Cell 216-598-1952Office 440-946-1952wwwmoneyconceptscomebrassebrassmoneyconceptscom

Ernie BrassPresident MA

All securities through Money Concepts Capital Corp Member SIPC

TWO-YEAR WINNER

I am privileged to connect with families across generations and support dedicated individuals serving on institutional boards We journey together making thoughtful client-centric financial decisions with objectivity transparency and integrity

1111 Chester Ave Ste 530Cleveland OH 44114 Phone 440-572-5733 chapmanridgecreekglobalcomridgecreekglobalcom

Kathi ChapmanFounder CEO CFAreg CPWAreg

Financial PlanningMichael J Baker MJ Baker

Financial Advisors

Andrew J Barkley Ameriprise Financial Services Inc Page 7

Jeff Barone Morgan Stanley

Lawrence Charles Barrett Sagemark Consulting Private Wealth Services

Gregory Berlin Wunderlich Securities

Timothy Cooper Bonar Ameriprise Financial Services Inc

Michael Bongers Robert W Baird amp Company

Robert Bove LPL Financial

Ernie Brass Money Concepts Capital Corporation Page 8

Linda Cain Morgan Stanley Page 6

Peter Calfee Calfee Financial Advisors

Denes Chapo US Bancorp Investments

Mark Anthony Ciulla Capital Advisors

Thomas Compernolle The Partners GroupAmeriprise Financial Services Inc

Robert D Coode Skoda Minotti Financial Services Page 6

Thomas H Craft Sagemark Consulting Private Wealth Services

Matthew C Daugherty Ameriprise Financial Services Inc

Jim Eismon Valic Financial Advisors

James Elios Elios Financial Group Page 5

Frank Fantozzi LPL Financial

Joe L Flinner Landing Point Financial GroupAmeriprise Financial Services Inc

David Frank American Portfolios

Steven Frederick Ameriprise Financial Services Inc

Robert Fritts Raymond James Financial Services

Laurie Gerdy Emery Financial Group

David Gomersall Cornerstone Financial Services

William John Gordon Redwood Financial Network

David Grano Lincoln Financial Advisors

Gary A Hannah 212 Capital Group

Robert Hoffman Thrivent Financial

Carrie Hruska Cramer Capital Management

My goal is to have a relationship with my clients which gives them a comfort level to call me Communication is key to a long-lasting successful relationship Education on investing saving for college wealth management and income accumulation is what you can expect

200 Public Sq Ste 2600 Cleveland OH 44114 Phone 216-523-3110

Donna LesemanFinancial Advisor

bull Educate clients on their investmentsbull Committed to exceptional client service

copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Gregory guides successful professionals and families to help protect grow and transfer wealth The primary focus for his clients is to increase and preserve the value of their largest assets whether they are investments or private business interests

Oswald Wealth

1100 Superior Ave Ste 1345Cleveland OH 44114 Phone 216-649-2676 greglopezgsirepcom

Gregory LopezCERTIFIED FINANCIAL PLANNERtrade

Securities and investment advisory services o ered through Girard Securities Member FINRA SIPC Oswald Wealth is not a liated

with Girard Securities

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 9

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Venera Izant Merrill Lynch

Sunwook Jin Redwood Financial Network

David Jones Cetera Advisor Networks

Frank Kirchner LPL Financial

Daniel Lauletta Plan Corporation

John Lipaj True North Financial amp Investment Planning

Gregory Lopez Oswald Wealth Page 8

Michael Maynard Morgan Stanley

Gregory Morris Capital Planners

Larry November Lincoln Financial Advisors

Richard Packer LPL Financial

Douglas Atkinson Price Capital Advisors

Patricia Quinonez Quinonez amp AssociatesAmeriprise Financial Services Inc Page 2

Lynn Rasko Morgan Stanley

Kenneth F Robinson Practical Financial Planning

Michael Roethler Robert W Baird amp Company

Daniel Ryder Skylight Financial Group

Smita Samant BDS Financial Network

Pamela Sandy Confiance

Max L Schaffer Ameriprise Financial Services Inc

James Richard Schaffer Jr Waypoint Partners

Todd M Schmidt Advance Capital Management Page 4

Ashok Shendure BDS Financial Network

Rajanee Shendure BDS Financial Network

Robert Skrbis Ameriprise Financial Services Inc

Eric Tolbert Ameriprise Financial Services Inc

Laura Ann Tomco Morgan Stanley

Susan Siara Vasu Landing Point Financial GroupAmeriprise Financial Services Inc

Donald Wagner Good Shepherd Financial Page 7

Gary Wagner Carnegie Investment Counsel

Dean Weemhoff Beacon Financial Partners

Steven M Young Lincoln Financial Advisors

Jeff Zemito Skylight Financial Group

InvestmentsSteven M Adler Rolf-Adler

Group

Robert Apple Wunderlich Securities

John Bartels Inverness Investment Group

Steven Berman Wells Fargo Advisors LLC

Randall L Bliss Bliss Capital Advisors

Michael Bornhorst Wells Fargo Advisors LLC

Mark Breen NFP Advisor Services

Justin A Brock US Bancorp Investments

Kathleen Chapman Ridge Creek Global Page 8

Daniel Chavayda LPL Financial

James Duralia Wells Fargo Advisors LLC

Stephen Eppich EAM

Gary Fishback Wells Fargo Advisors LLC

Justin Fitchko Wells Fargo Advisors LLC

Linda Fousek Carnegie Investment Counsel

Mitchell Frankel Wells Fargo Advisors LLC

David Gottlieb Edward Jones

Steven P Hanousek Wells Fargo Advisors LLC

Patrick Edward Healy Wells Fargo Advisors LLC

Gregory Helms Ameriprise Financial Services Inc

Russell Howard Redwood Financial Network

Kathleen Indiano Indiano amp Company CPAs Page 4

Thomas B Johnson Morgan Stanley

Dennis Juvan Infinex Investments

Robert Karras R Karras Asset Management amp Planning Page 7

David Kocsis Peak Wealth Solutions

Gary J Kovach Tactical Investment Management

Paul J Labanc Ameriprise Financial Services Inc

David Lavelle Edward Jones Investments

John Patrick Lee Jr Wells Fargo Advisors LLC

Donna Kay Leseman Morgan Stanley Page 8

Michael Lewis AXA Advisors

Andrew Lukcso Huntington Investment Company Page 6

Jeffrey N Malbasa Spero-Smith Investment Advisers

Paul McCormack Inverness Investment Group

Kurt W Mears Advance Capital Management Page 4

Randal Kevin Mears Mears Financial Services Page 8

Eric Nilson Wells Fargo Advisors LLC

Susan Elaine Paolo Wells Fargo Advisors LLC Page 5

Darrin Plys Ameriprise Financial Services Inc

Jack Donald Polcar Wells Fargo Advisors LLC

Scott Polish Wells Fargo Advisors LLC

Harold Pollov Oasis Assets Management Group

Michael Rabe Wells Fargo Advisors LLC

Stephen Reagh Wells Fargo Advisors LLC

C Robert Rittberger Morgan Stanley

Laura Sedlak Wells Fargo Advisors LLC

Michael David Sejka Wells Fargo Advisors LLC

Scott Alan Simmerer Raymond James Financial Services Page 8

Satish Singh Ameriprise Financial Services Inc

Robert C Smith Spero-Smith Investment Advisers

Henry Spain Wells Fargo Advisors LLC

Cornelia Spring Cetera Advisor Networks

Abby Anne Stancik Wells Fargo Advisors LLC Page 6

Brent Teague Oswald Financial

Tom G Thacker II Oppenheimer amp Company

Dominic Tropiano Key Investment Services

Raymond Matthew Tropp Beacon Financial Partners

Porter Vergon Morgan Stanley

John Vrablic TIPS 4 Reps

Michael Vulku Ameriprise Financial Services Inc

Warren Wernick Wells Fargo Advisors LLC Page 3

Eric Wulff Aurum Wealth Management Group

Stephen Yarmesch Riverview Research

Michael Zawatsky Wunderlich Securities

William Henry Zufall III Zufall Financial Services

Financial planning is

a holistic approach to

financial well-being

mdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 6 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

bull Comprehensive fi nancial advice and planningbull Private wealth management solutionsbull Insurance and risk management services

Regardless of your investment experience or level of wealth our goal is to help you get your arms around your current financial situation and develop a solid plan that leads you to achieving your ultimate financial objectives

6685 Beta DrMayfield Village OH 44143Office 440-449-6800rdcoodesmcofinancialcomwwwskodaminottifinancialcom

Delivering on the Promise of Trust

Advisory Services offered through Investment Advisors a division of ProEquities Inca Registered Investment Advisor Securities offered through ProEquities Inc

a Registered Broker-Dealer Member FINRA SIPCSkoda Minotti Financial Services is independent of ProEquities Inc

Robert D CoodePartner

TWO-YEAR WINNER

bull Investment planning for all stages of lifebull Retirement income planningbull Personalized portfolio management

Abby Stancik has been serving the needs of her clients for more than 16 years She has developed a successful practice emphasizing long-term client relationships built on a foundation of ethics integrity and personal service Creating an investment plan that is specific for each client requires personal attention Abby will work closely with you to help define your goals develop your plan and track your progress

950 Main Ave Ste 300Cleveland OH 44113 Phone 216-574-7222Toll-free 800-537-4105abbystancikwfadvisorscomhomewellsfargoadvisorscomabbystancik

Dedicated to Your Success

Wells Fargo Advisors LLC Member SIPC [CAR 1214-04215]

Abby StancikSenior Vice President ndash Investments CFPreg MBA ADPAreg

TWO-YEAR WINNER

bull Understanding you and your expectationsbull Developing a customized strategybull Implementation analysis and communicationbull 2013 ndash 2015 Five Star award winner

Integrity is the foundation of everything we do at The Cain Group at Morgan Stanley Personalized and customized service is what distinguishes us from our peers We feel that communication is imperative to a successful relationship for sound investment planning

31099 Chagrin BlvdPepper Pike OH 44124Office 216-360-4900Direct 216-360-8637lindacainmorganstanleycommorganstanleyfacomlindacain

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg CERTIFIED

FINANCIAL PLANNERtrade and federally registered CFP (with flame design) in the US which itawards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification

requirements copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Linda CainFirst Vice President Financial Advisor CFPreg

THREE-YEAR WINNER

bull Financial planningbull Managed accountsbull Stocks bonds and mutual fundsbull Municipal bonds (ie tax-free bonds)bull Fixed and variable annuitiesWhether it comes to food sports teams or our heritage Clevelanders are known for their passion and loyalty My goal is simple to devote as much passion and loyalty into handling my clientsrsquo wealth as they did in earning it

200 Public Sq Ste 6-086 Cleveland OH 44114 Phone 216-515-6058andrewlukcsohuntingtoncom

Investment products and services are o ered by The Huntington Investment Company a registered broker dealer member FINRASIPC and a registered investment adviser with the US Securities and Exchange Commission (SEC) The Huntington

Investment Company is a wholly owned subsidiary of Huntington Bancshares Incorporated Investment and Insurance products are bull Not a Deposit bull Not FDIC Insured bull Not Insured by any Federal Government Agency

bull Not Guaranteed by the Bank bull May Lose Value

Andrew J Lukcso JrVice President Senior Financial AdvisorFIV

E STAR P

ROFESSIONAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 7

bull Retirement planning strategiesbull Committed to exceptional client service since 1990bull Investment planningestate planning

ldquoMy clients are hard-working people who want to achieve a difference in their lives We are real people with real lives I want to help you secure and protect the things most important to you My team focuses on relieving stresses and complications that arise when matching family goals with financial strategies Together we make these goals a reality everyday hellip one client at a timerdquo mdash Don Wagner

20820 Chagrin Blvd Ste 200Shaker Heights OH 44122Office 216-295-0945Cell 216-235-4038donaldwagnerlplcom

Good ShepherdFinancial

Founded on One Promise Do Whatrsquos Right

Securities offered through LPL Financial Member FINRASIPC

Donald V Wagner

THREE-YEAR WINNER

bull Asset management and wealth creationbull Independent objective advicebull Customized and personal fi nancial planning

It is an honor to be a multiyear recipient (2013 ndash 2015) of the Five Star Wealth Manager award Our goal at R Karras Asset Management amp Planning LLC has always been to connect and engage with our clients Our process allows clients one-on-one attention with a knowledgeable partner helping them pursue their goals and dreams Our mission is consistent to work closely with each client to execute the life plan they envisioned

5005 Rockside Rd Ste 600 Independence OH 44131Office 216-573-3788 rkarrasrkarrascomwwwrkarrascom

R Karras Asset Management amp Planning LLC

Customized Objective Solutions

Robert KarrasCFPreg CLUreg ChFCreg President Registered Investment Advisor

THREE-YEAR WINNER

bull Retirement income planningbull Executive compensation and benefi ts reviewbull Estate planningbull Intergenerational planningbull Insurance off erings

With over 20 years of experience Andrewrsquos top priority is to work closely with his clients to help them feel more confi dent about their fi nancial future and give them more peace of mind

20033 Detroit Rd Ste 202Rocky River OH 44116Phone 440-799-8300AndrewBarkleyampfcomameripriseadvisorscomandrewbarkley

Confi dent Wealth Management Strategies

Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial success Ameriprise Financial and its representatives do not provide tax

or legal advice Consult your tax advisor or attorney regarding speci c tax or legal issues Ameriprise Financial Services Inc Member FINRA and SIPC

Andrew J BarkleyCFPreg Financial Advisor Managing Partner

ldquoClients donrsquot care how much you know until they know how much you carerdquomdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 8 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

As a 2013 2014 and 2015 Five Star Wealth Manager award winner Scott A Simmerer has more than 30 years of experience in the financial services industry Scott advises clients on a broad range of wealth management strategies He focuses on listening to each client Everyonersquos needs and financial goals are unique

Raymond James Financial Services Inc

1100 Chester Ave Ste A90Cleveland OH 44115Cell 440-725-7105Office 216-621-8844ScottSimmererRaymondJamescomwwwRaymondJamescom

Scott A SimmererInvestment Advisor Rep Financial Consultant

Raymond James Financial Services Inc Member FINRASIPC This award is bestowed by an independent third-party that is not a liated with Raymond James

THREE-YEAR WINNER

I am celebrating 25 years as a f inancial professional with proven experience expertise and commitment to my clients The promise is to grant you my undivided attention and tailor an investment plan that fits your personal situation

Mears Financial Services Inc

9930 Johnnycake Ridge RdSte 5AMentor OH 44060Office 440-639-1998 Phone 440-487-7720Randymearsfinancialcom

Randy MearsFinancial Consultant

Securities and advisory services o ered through Commonwealth Financial Network Member FINRASIPC Registered Investment Adviser

THREE-YEAR WINNER

I have been a wealth coach with Money Concepts for 24 years Our office focuses on providing planning for 1) cost-effective retirement plans for small businesses and nonprofit groups and 2) individual 401(k) reviews with family income and asset preservation strategies

Money Concepts

7145 Mentor Ave Ste 107Mentor OH 44060Cell 216-598-1952Office 440-946-1952wwwmoneyconceptscomebrassebrassmoneyconceptscom

Ernie BrassPresident MA

All securities through Money Concepts Capital Corp Member SIPC

TWO-YEAR WINNER

I am privileged to connect with families across generations and support dedicated individuals serving on institutional boards We journey together making thoughtful client-centric financial decisions with objectivity transparency and integrity

1111 Chester Ave Ste 530Cleveland OH 44114 Phone 440-572-5733 chapmanridgecreekglobalcomridgecreekglobalcom

Kathi ChapmanFounder CEO CFAreg CPWAreg

Financial PlanningMichael J Baker MJ Baker

Financial Advisors

Andrew J Barkley Ameriprise Financial Services Inc Page 7

Jeff Barone Morgan Stanley

Lawrence Charles Barrett Sagemark Consulting Private Wealth Services

Gregory Berlin Wunderlich Securities

Timothy Cooper Bonar Ameriprise Financial Services Inc

Michael Bongers Robert W Baird amp Company

Robert Bove LPL Financial

Ernie Brass Money Concepts Capital Corporation Page 8

Linda Cain Morgan Stanley Page 6

Peter Calfee Calfee Financial Advisors

Denes Chapo US Bancorp Investments

Mark Anthony Ciulla Capital Advisors

Thomas Compernolle The Partners GroupAmeriprise Financial Services Inc

Robert D Coode Skoda Minotti Financial Services Page 6

Thomas H Craft Sagemark Consulting Private Wealth Services

Matthew C Daugherty Ameriprise Financial Services Inc

Jim Eismon Valic Financial Advisors

James Elios Elios Financial Group Page 5

Frank Fantozzi LPL Financial

Joe L Flinner Landing Point Financial GroupAmeriprise Financial Services Inc

David Frank American Portfolios

Steven Frederick Ameriprise Financial Services Inc

Robert Fritts Raymond James Financial Services

Laurie Gerdy Emery Financial Group

David Gomersall Cornerstone Financial Services

William John Gordon Redwood Financial Network

David Grano Lincoln Financial Advisors

Gary A Hannah 212 Capital Group

Robert Hoffman Thrivent Financial

Carrie Hruska Cramer Capital Management

My goal is to have a relationship with my clients which gives them a comfort level to call me Communication is key to a long-lasting successful relationship Education on investing saving for college wealth management and income accumulation is what you can expect

200 Public Sq Ste 2600 Cleveland OH 44114 Phone 216-523-3110

Donna LesemanFinancial Advisor

bull Educate clients on their investmentsbull Committed to exceptional client service

copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Gregory guides successful professionals and families to help protect grow and transfer wealth The primary focus for his clients is to increase and preserve the value of their largest assets whether they are investments or private business interests

Oswald Wealth

1100 Superior Ave Ste 1345Cleveland OH 44114 Phone 216-649-2676 greglopezgsirepcom

Gregory LopezCERTIFIED FINANCIAL PLANNERtrade

Securities and investment advisory services o ered through Girard Securities Member FINRA SIPC Oswald Wealth is not a liated

with Girard Securities

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 9

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Venera Izant Merrill Lynch

Sunwook Jin Redwood Financial Network

David Jones Cetera Advisor Networks

Frank Kirchner LPL Financial

Daniel Lauletta Plan Corporation

John Lipaj True North Financial amp Investment Planning

Gregory Lopez Oswald Wealth Page 8

Michael Maynard Morgan Stanley

Gregory Morris Capital Planners

Larry November Lincoln Financial Advisors

Richard Packer LPL Financial

Douglas Atkinson Price Capital Advisors

Patricia Quinonez Quinonez amp AssociatesAmeriprise Financial Services Inc Page 2

Lynn Rasko Morgan Stanley

Kenneth F Robinson Practical Financial Planning

Michael Roethler Robert W Baird amp Company

Daniel Ryder Skylight Financial Group

Smita Samant BDS Financial Network

Pamela Sandy Confiance

Max L Schaffer Ameriprise Financial Services Inc

James Richard Schaffer Jr Waypoint Partners

Todd M Schmidt Advance Capital Management Page 4

Ashok Shendure BDS Financial Network

Rajanee Shendure BDS Financial Network

Robert Skrbis Ameriprise Financial Services Inc

Eric Tolbert Ameriprise Financial Services Inc

Laura Ann Tomco Morgan Stanley

Susan Siara Vasu Landing Point Financial GroupAmeriprise Financial Services Inc

Donald Wagner Good Shepherd Financial Page 7

Gary Wagner Carnegie Investment Counsel

Dean Weemhoff Beacon Financial Partners

Steven M Young Lincoln Financial Advisors

Jeff Zemito Skylight Financial Group

InvestmentsSteven M Adler Rolf-Adler

Group

Robert Apple Wunderlich Securities

John Bartels Inverness Investment Group

Steven Berman Wells Fargo Advisors LLC

Randall L Bliss Bliss Capital Advisors

Michael Bornhorst Wells Fargo Advisors LLC

Mark Breen NFP Advisor Services

Justin A Brock US Bancorp Investments

Kathleen Chapman Ridge Creek Global Page 8

Daniel Chavayda LPL Financial

James Duralia Wells Fargo Advisors LLC

Stephen Eppich EAM

Gary Fishback Wells Fargo Advisors LLC

Justin Fitchko Wells Fargo Advisors LLC

Linda Fousek Carnegie Investment Counsel

Mitchell Frankel Wells Fargo Advisors LLC

David Gottlieb Edward Jones

Steven P Hanousek Wells Fargo Advisors LLC

Patrick Edward Healy Wells Fargo Advisors LLC

Gregory Helms Ameriprise Financial Services Inc

Russell Howard Redwood Financial Network

Kathleen Indiano Indiano amp Company CPAs Page 4

Thomas B Johnson Morgan Stanley

Dennis Juvan Infinex Investments

Robert Karras R Karras Asset Management amp Planning Page 7

David Kocsis Peak Wealth Solutions

Gary J Kovach Tactical Investment Management

Paul J Labanc Ameriprise Financial Services Inc

David Lavelle Edward Jones Investments

John Patrick Lee Jr Wells Fargo Advisors LLC

Donna Kay Leseman Morgan Stanley Page 8

Michael Lewis AXA Advisors

Andrew Lukcso Huntington Investment Company Page 6

Jeffrey N Malbasa Spero-Smith Investment Advisers

Paul McCormack Inverness Investment Group

Kurt W Mears Advance Capital Management Page 4

Randal Kevin Mears Mears Financial Services Page 8

Eric Nilson Wells Fargo Advisors LLC

Susan Elaine Paolo Wells Fargo Advisors LLC Page 5

Darrin Plys Ameriprise Financial Services Inc

Jack Donald Polcar Wells Fargo Advisors LLC

Scott Polish Wells Fargo Advisors LLC

Harold Pollov Oasis Assets Management Group

Michael Rabe Wells Fargo Advisors LLC

Stephen Reagh Wells Fargo Advisors LLC

C Robert Rittberger Morgan Stanley

Laura Sedlak Wells Fargo Advisors LLC

Michael David Sejka Wells Fargo Advisors LLC

Scott Alan Simmerer Raymond James Financial Services Page 8

Satish Singh Ameriprise Financial Services Inc

Robert C Smith Spero-Smith Investment Advisers

Henry Spain Wells Fargo Advisors LLC

Cornelia Spring Cetera Advisor Networks

Abby Anne Stancik Wells Fargo Advisors LLC Page 6

Brent Teague Oswald Financial

Tom G Thacker II Oppenheimer amp Company

Dominic Tropiano Key Investment Services

Raymond Matthew Tropp Beacon Financial Partners

Porter Vergon Morgan Stanley

John Vrablic TIPS 4 Reps

Michael Vulku Ameriprise Financial Services Inc

Warren Wernick Wells Fargo Advisors LLC Page 3

Eric Wulff Aurum Wealth Management Group

Stephen Yarmesch Riverview Research

Michael Zawatsky Wunderlich Securities

William Henry Zufall III Zufall Financial Services

Financial planning is

a holistic approach to

financial well-being

mdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 7

bull Retirement planning strategiesbull Committed to exceptional client service since 1990bull Investment planningestate planning

ldquoMy clients are hard-working people who want to achieve a difference in their lives We are real people with real lives I want to help you secure and protect the things most important to you My team focuses on relieving stresses and complications that arise when matching family goals with financial strategies Together we make these goals a reality everyday hellip one client at a timerdquo mdash Don Wagner

20820 Chagrin Blvd Ste 200Shaker Heights OH 44122Office 216-295-0945Cell 216-235-4038donaldwagnerlplcom

Good ShepherdFinancial

Founded on One Promise Do Whatrsquos Right

Securities offered through LPL Financial Member FINRASIPC

Donald V Wagner

THREE-YEAR WINNER

bull Asset management and wealth creationbull Independent objective advicebull Customized and personal fi nancial planning

It is an honor to be a multiyear recipient (2013 ndash 2015) of the Five Star Wealth Manager award Our goal at R Karras Asset Management amp Planning LLC has always been to connect and engage with our clients Our process allows clients one-on-one attention with a knowledgeable partner helping them pursue their goals and dreams Our mission is consistent to work closely with each client to execute the life plan they envisioned

5005 Rockside Rd Ste 600 Independence OH 44131Office 216-573-3788 rkarrasrkarrascomwwwrkarrascom

R Karras Asset Management amp Planning LLC

Customized Objective Solutions

Robert KarrasCFPreg CLUreg ChFCreg President Registered Investment Advisor

THREE-YEAR WINNER

bull Retirement income planningbull Executive compensation and benefi ts reviewbull Estate planningbull Intergenerational planningbull Insurance off erings

With over 20 years of experience Andrewrsquos top priority is to work closely with his clients to help them feel more confi dent about their fi nancial future and give them more peace of mind

20033 Detroit Rd Ste 202Rocky River OH 44116Phone 440-799-8300AndrewBarkleyampfcomameripriseadvisorscomandrewbarkley

Confi dent Wealth Management Strategies

Investors should conduct their own evaluation of a nancial professional as working with a nancial advisor is not a guarantee of future nancial success Ameriprise Financial and its representatives do not provide tax

or legal advice Consult your tax advisor or attorney regarding speci c tax or legal issues Ameriprise Financial Services Inc Member FINRA and SIPC

Andrew J BarkleyCFPreg Financial Advisor Managing Partner

ldquoClients donrsquot care how much you know until they know how much you carerdquomdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 8 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

As a 2013 2014 and 2015 Five Star Wealth Manager award winner Scott A Simmerer has more than 30 years of experience in the financial services industry Scott advises clients on a broad range of wealth management strategies He focuses on listening to each client Everyonersquos needs and financial goals are unique

Raymond James Financial Services Inc

1100 Chester Ave Ste A90Cleveland OH 44115Cell 440-725-7105Office 216-621-8844ScottSimmererRaymondJamescomwwwRaymondJamescom

Scott A SimmererInvestment Advisor Rep Financial Consultant

Raymond James Financial Services Inc Member FINRASIPC This award is bestowed by an independent third-party that is not a liated with Raymond James

THREE-YEAR WINNER

I am celebrating 25 years as a f inancial professional with proven experience expertise and commitment to my clients The promise is to grant you my undivided attention and tailor an investment plan that fits your personal situation

Mears Financial Services Inc

9930 Johnnycake Ridge RdSte 5AMentor OH 44060Office 440-639-1998 Phone 440-487-7720Randymearsfinancialcom

Randy MearsFinancial Consultant

Securities and advisory services o ered through Commonwealth Financial Network Member FINRASIPC Registered Investment Adviser

THREE-YEAR WINNER

I have been a wealth coach with Money Concepts for 24 years Our office focuses on providing planning for 1) cost-effective retirement plans for small businesses and nonprofit groups and 2) individual 401(k) reviews with family income and asset preservation strategies

Money Concepts

7145 Mentor Ave Ste 107Mentor OH 44060Cell 216-598-1952Office 440-946-1952wwwmoneyconceptscomebrassebrassmoneyconceptscom

Ernie BrassPresident MA

All securities through Money Concepts Capital Corp Member SIPC

TWO-YEAR WINNER

I am privileged to connect with families across generations and support dedicated individuals serving on institutional boards We journey together making thoughtful client-centric financial decisions with objectivity transparency and integrity

1111 Chester Ave Ste 530Cleveland OH 44114 Phone 440-572-5733 chapmanridgecreekglobalcomridgecreekglobalcom

Kathi ChapmanFounder CEO CFAreg CPWAreg

Financial PlanningMichael J Baker MJ Baker

Financial Advisors

Andrew J Barkley Ameriprise Financial Services Inc Page 7

Jeff Barone Morgan Stanley

Lawrence Charles Barrett Sagemark Consulting Private Wealth Services

Gregory Berlin Wunderlich Securities

Timothy Cooper Bonar Ameriprise Financial Services Inc

Michael Bongers Robert W Baird amp Company

Robert Bove LPL Financial

Ernie Brass Money Concepts Capital Corporation Page 8

Linda Cain Morgan Stanley Page 6

Peter Calfee Calfee Financial Advisors

Denes Chapo US Bancorp Investments

Mark Anthony Ciulla Capital Advisors

Thomas Compernolle The Partners GroupAmeriprise Financial Services Inc

Robert D Coode Skoda Minotti Financial Services Page 6

Thomas H Craft Sagemark Consulting Private Wealth Services

Matthew C Daugherty Ameriprise Financial Services Inc

Jim Eismon Valic Financial Advisors

James Elios Elios Financial Group Page 5

Frank Fantozzi LPL Financial

Joe L Flinner Landing Point Financial GroupAmeriprise Financial Services Inc

David Frank American Portfolios

Steven Frederick Ameriprise Financial Services Inc

Robert Fritts Raymond James Financial Services

Laurie Gerdy Emery Financial Group

David Gomersall Cornerstone Financial Services

William John Gordon Redwood Financial Network

David Grano Lincoln Financial Advisors

Gary A Hannah 212 Capital Group

Robert Hoffman Thrivent Financial

Carrie Hruska Cramer Capital Management

My goal is to have a relationship with my clients which gives them a comfort level to call me Communication is key to a long-lasting successful relationship Education on investing saving for college wealth management and income accumulation is what you can expect

200 Public Sq Ste 2600 Cleveland OH 44114 Phone 216-523-3110

Donna LesemanFinancial Advisor

bull Educate clients on their investmentsbull Committed to exceptional client service

copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Gregory guides successful professionals and families to help protect grow and transfer wealth The primary focus for his clients is to increase and preserve the value of their largest assets whether they are investments or private business interests

Oswald Wealth

1100 Superior Ave Ste 1345Cleveland OH 44114 Phone 216-649-2676 greglopezgsirepcom

Gregory LopezCERTIFIED FINANCIAL PLANNERtrade

Securities and investment advisory services o ered through Girard Securities Member FINRA SIPC Oswald Wealth is not a liated

with Girard Securities

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 9

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Venera Izant Merrill Lynch

Sunwook Jin Redwood Financial Network

David Jones Cetera Advisor Networks

Frank Kirchner LPL Financial

Daniel Lauletta Plan Corporation

John Lipaj True North Financial amp Investment Planning

Gregory Lopez Oswald Wealth Page 8

Michael Maynard Morgan Stanley

Gregory Morris Capital Planners

Larry November Lincoln Financial Advisors

Richard Packer LPL Financial

Douglas Atkinson Price Capital Advisors

Patricia Quinonez Quinonez amp AssociatesAmeriprise Financial Services Inc Page 2

Lynn Rasko Morgan Stanley

Kenneth F Robinson Practical Financial Planning

Michael Roethler Robert W Baird amp Company

Daniel Ryder Skylight Financial Group

Smita Samant BDS Financial Network

Pamela Sandy Confiance

Max L Schaffer Ameriprise Financial Services Inc

James Richard Schaffer Jr Waypoint Partners

Todd M Schmidt Advance Capital Management Page 4

Ashok Shendure BDS Financial Network

Rajanee Shendure BDS Financial Network

Robert Skrbis Ameriprise Financial Services Inc

Eric Tolbert Ameriprise Financial Services Inc

Laura Ann Tomco Morgan Stanley

Susan Siara Vasu Landing Point Financial GroupAmeriprise Financial Services Inc

Donald Wagner Good Shepherd Financial Page 7

Gary Wagner Carnegie Investment Counsel

Dean Weemhoff Beacon Financial Partners

Steven M Young Lincoln Financial Advisors

Jeff Zemito Skylight Financial Group

InvestmentsSteven M Adler Rolf-Adler

Group

Robert Apple Wunderlich Securities

John Bartels Inverness Investment Group

Steven Berman Wells Fargo Advisors LLC

Randall L Bliss Bliss Capital Advisors

Michael Bornhorst Wells Fargo Advisors LLC

Mark Breen NFP Advisor Services

Justin A Brock US Bancorp Investments

Kathleen Chapman Ridge Creek Global Page 8

Daniel Chavayda LPL Financial

James Duralia Wells Fargo Advisors LLC

Stephen Eppich EAM

Gary Fishback Wells Fargo Advisors LLC

Justin Fitchko Wells Fargo Advisors LLC

Linda Fousek Carnegie Investment Counsel

Mitchell Frankel Wells Fargo Advisors LLC

David Gottlieb Edward Jones

Steven P Hanousek Wells Fargo Advisors LLC

Patrick Edward Healy Wells Fargo Advisors LLC

Gregory Helms Ameriprise Financial Services Inc

Russell Howard Redwood Financial Network

Kathleen Indiano Indiano amp Company CPAs Page 4

Thomas B Johnson Morgan Stanley

Dennis Juvan Infinex Investments

Robert Karras R Karras Asset Management amp Planning Page 7

David Kocsis Peak Wealth Solutions

Gary J Kovach Tactical Investment Management

Paul J Labanc Ameriprise Financial Services Inc

David Lavelle Edward Jones Investments

John Patrick Lee Jr Wells Fargo Advisors LLC

Donna Kay Leseman Morgan Stanley Page 8

Michael Lewis AXA Advisors

Andrew Lukcso Huntington Investment Company Page 6

Jeffrey N Malbasa Spero-Smith Investment Advisers

Paul McCormack Inverness Investment Group

Kurt W Mears Advance Capital Management Page 4

Randal Kevin Mears Mears Financial Services Page 8

Eric Nilson Wells Fargo Advisors LLC

Susan Elaine Paolo Wells Fargo Advisors LLC Page 5

Darrin Plys Ameriprise Financial Services Inc

Jack Donald Polcar Wells Fargo Advisors LLC

Scott Polish Wells Fargo Advisors LLC

Harold Pollov Oasis Assets Management Group

Michael Rabe Wells Fargo Advisors LLC

Stephen Reagh Wells Fargo Advisors LLC

C Robert Rittberger Morgan Stanley

Laura Sedlak Wells Fargo Advisors LLC

Michael David Sejka Wells Fargo Advisors LLC

Scott Alan Simmerer Raymond James Financial Services Page 8

Satish Singh Ameriprise Financial Services Inc

Robert C Smith Spero-Smith Investment Advisers

Henry Spain Wells Fargo Advisors LLC

Cornelia Spring Cetera Advisor Networks

Abby Anne Stancik Wells Fargo Advisors LLC Page 6

Brent Teague Oswald Financial

Tom G Thacker II Oppenheimer amp Company

Dominic Tropiano Key Investment Services

Raymond Matthew Tropp Beacon Financial Partners

Porter Vergon Morgan Stanley

John Vrablic TIPS 4 Reps

Michael Vulku Ameriprise Financial Services Inc

Warren Wernick Wells Fargo Advisors LLC Page 3

Eric Wulff Aurum Wealth Management Group

Stephen Yarmesch Riverview Research

Michael Zawatsky Wunderlich Securities

William Henry Zufall III Zufall Financial Services

Financial planning is

a holistic approach to

financial well-being

mdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

The Five Star Wealth Manager award administered by Crescendo Business Services LLC (dba Five Star Professional) is based on 10 objective criteria 1 Credentialed as a registered investment adviser or a registered investment adviser representative 2 Active as a credentialed professional in the financial services industry for a minimum of 5 years 3 Favorable regulatory and complaint history review (As defined by Five Star Professional the wealth manager has not A Been subject to a regulatory action that resulted in a license being suspended or revoked or payment of a fine B Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionalrsquos consumer complaint process Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionalrsquos consumer complaint process C Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority D Filed for personal bankruptcy E Been convicted of a felony) 4 Fulfilled their firm review based on internal standards 5 Accepting new clients 6 One-year client retention rate 7 Five-year client retention rate 8 Non-institutional discretionary andor non-discretionary client assets administered 9 Number of client households served 10 Education and professional designations Wealth managers do not pay a fee to be considered or awarded Once awarded wealth managers may purchase additional profile ad space or promotional products The award methodology does not evaluate the quality of services provided and is not indicative of the winnerrsquos future performance 1595 Cleveland wealth managers were considered for the award 130 (9 percent of candidates) were named Five Star Wealth Managers

FS bull 8 mdash wwwfivestarprofessionalcom

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

As a 2013 2014 and 2015 Five Star Wealth Manager award winner Scott A Simmerer has more than 30 years of experience in the financial services industry Scott advises clients on a broad range of wealth management strategies He focuses on listening to each client Everyonersquos needs and financial goals are unique

Raymond James Financial Services Inc

1100 Chester Ave Ste A90Cleveland OH 44115Cell 440-725-7105Office 216-621-8844ScottSimmererRaymondJamescomwwwRaymondJamescom

Scott A SimmererInvestment Advisor Rep Financial Consultant

Raymond James Financial Services Inc Member FINRASIPC This award is bestowed by an independent third-party that is not a liated with Raymond James

THREE-YEAR WINNER

I am celebrating 25 years as a f inancial professional with proven experience expertise and commitment to my clients The promise is to grant you my undivided attention and tailor an investment plan that fits your personal situation

Mears Financial Services Inc

9930 Johnnycake Ridge RdSte 5AMentor OH 44060Office 440-639-1998 Phone 440-487-7720Randymearsfinancialcom

Randy MearsFinancial Consultant

Securities and advisory services o ered through Commonwealth Financial Network Member FINRASIPC Registered Investment Adviser

THREE-YEAR WINNER

I have been a wealth coach with Money Concepts for 24 years Our office focuses on providing planning for 1) cost-effective retirement plans for small businesses and nonprofit groups and 2) individual 401(k) reviews with family income and asset preservation strategies

Money Concepts

7145 Mentor Ave Ste 107Mentor OH 44060Cell 216-598-1952Office 440-946-1952wwwmoneyconceptscomebrassebrassmoneyconceptscom

Ernie BrassPresident MA

All securities through Money Concepts Capital Corp Member SIPC

TWO-YEAR WINNER

I am privileged to connect with families across generations and support dedicated individuals serving on institutional boards We journey together making thoughtful client-centric financial decisions with objectivity transparency and integrity

1111 Chester Ave Ste 530Cleveland OH 44114 Phone 440-572-5733 chapmanridgecreekglobalcomridgecreekglobalcom

Kathi ChapmanFounder CEO CFAreg CPWAreg

Financial PlanningMichael J Baker MJ Baker

Financial Advisors

Andrew J Barkley Ameriprise Financial Services Inc Page 7

Jeff Barone Morgan Stanley

Lawrence Charles Barrett Sagemark Consulting Private Wealth Services

Gregory Berlin Wunderlich Securities

Timothy Cooper Bonar Ameriprise Financial Services Inc

Michael Bongers Robert W Baird amp Company

Robert Bove LPL Financial

Ernie Brass Money Concepts Capital Corporation Page 8

Linda Cain Morgan Stanley Page 6

Peter Calfee Calfee Financial Advisors

Denes Chapo US Bancorp Investments

Mark Anthony Ciulla Capital Advisors

Thomas Compernolle The Partners GroupAmeriprise Financial Services Inc

Robert D Coode Skoda Minotti Financial Services Page 6

Thomas H Craft Sagemark Consulting Private Wealth Services

Matthew C Daugherty Ameriprise Financial Services Inc

Jim Eismon Valic Financial Advisors

James Elios Elios Financial Group Page 5

Frank Fantozzi LPL Financial

Joe L Flinner Landing Point Financial GroupAmeriprise Financial Services Inc

David Frank American Portfolios

Steven Frederick Ameriprise Financial Services Inc

Robert Fritts Raymond James Financial Services

Laurie Gerdy Emery Financial Group

David Gomersall Cornerstone Financial Services

William John Gordon Redwood Financial Network

David Grano Lincoln Financial Advisors

Gary A Hannah 212 Capital Group

Robert Hoffman Thrivent Financial

Carrie Hruska Cramer Capital Management

My goal is to have a relationship with my clients which gives them a comfort level to call me Communication is key to a long-lasting successful relationship Education on investing saving for college wealth management and income accumulation is what you can expect

200 Public Sq Ste 2600 Cleveland OH 44114 Phone 216-523-3110

Donna LesemanFinancial Advisor

bull Educate clients on their investmentsbull Committed to exceptional client service

copy2015 Morgan Stanley Smith Barney LLC Member SIPC

Gregory guides successful professionals and families to help protect grow and transfer wealth The primary focus for his clients is to increase and preserve the value of their largest assets whether they are investments or private business interests

Oswald Wealth

1100 Superior Ave Ste 1345Cleveland OH 44114 Phone 216-649-2676 greglopezgsirepcom

Gregory LopezCERTIFIED FINANCIAL PLANNERtrade

Securities and investment advisory services o ered through Girard Securities Member FINRA SIPC Oswald Wealth is not a liated

with Girard Securities

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 9

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Venera Izant Merrill Lynch

Sunwook Jin Redwood Financial Network

David Jones Cetera Advisor Networks

Frank Kirchner LPL Financial

Daniel Lauletta Plan Corporation

John Lipaj True North Financial amp Investment Planning

Gregory Lopez Oswald Wealth Page 8

Michael Maynard Morgan Stanley

Gregory Morris Capital Planners

Larry November Lincoln Financial Advisors

Richard Packer LPL Financial

Douglas Atkinson Price Capital Advisors

Patricia Quinonez Quinonez amp AssociatesAmeriprise Financial Services Inc Page 2

Lynn Rasko Morgan Stanley

Kenneth F Robinson Practical Financial Planning

Michael Roethler Robert W Baird amp Company

Daniel Ryder Skylight Financial Group

Smita Samant BDS Financial Network

Pamela Sandy Confiance

Max L Schaffer Ameriprise Financial Services Inc

James Richard Schaffer Jr Waypoint Partners

Todd M Schmidt Advance Capital Management Page 4

Ashok Shendure BDS Financial Network

Rajanee Shendure BDS Financial Network

Robert Skrbis Ameriprise Financial Services Inc

Eric Tolbert Ameriprise Financial Services Inc

Laura Ann Tomco Morgan Stanley

Susan Siara Vasu Landing Point Financial GroupAmeriprise Financial Services Inc

Donald Wagner Good Shepherd Financial Page 7

Gary Wagner Carnegie Investment Counsel

Dean Weemhoff Beacon Financial Partners

Steven M Young Lincoln Financial Advisors

Jeff Zemito Skylight Financial Group

InvestmentsSteven M Adler Rolf-Adler

Group

Robert Apple Wunderlich Securities

John Bartels Inverness Investment Group

Steven Berman Wells Fargo Advisors LLC

Randall L Bliss Bliss Capital Advisors

Michael Bornhorst Wells Fargo Advisors LLC

Mark Breen NFP Advisor Services

Justin A Brock US Bancorp Investments

Kathleen Chapman Ridge Creek Global Page 8

Daniel Chavayda LPL Financial

James Duralia Wells Fargo Advisors LLC

Stephen Eppich EAM

Gary Fishback Wells Fargo Advisors LLC

Justin Fitchko Wells Fargo Advisors LLC

Linda Fousek Carnegie Investment Counsel

Mitchell Frankel Wells Fargo Advisors LLC

David Gottlieb Edward Jones

Steven P Hanousek Wells Fargo Advisors LLC

Patrick Edward Healy Wells Fargo Advisors LLC

Gregory Helms Ameriprise Financial Services Inc

Russell Howard Redwood Financial Network

Kathleen Indiano Indiano amp Company CPAs Page 4

Thomas B Johnson Morgan Stanley

Dennis Juvan Infinex Investments

Robert Karras R Karras Asset Management amp Planning Page 7

David Kocsis Peak Wealth Solutions

Gary J Kovach Tactical Investment Management

Paul J Labanc Ameriprise Financial Services Inc

David Lavelle Edward Jones Investments

John Patrick Lee Jr Wells Fargo Advisors LLC

Donna Kay Leseman Morgan Stanley Page 8

Michael Lewis AXA Advisors

Andrew Lukcso Huntington Investment Company Page 6

Jeffrey N Malbasa Spero-Smith Investment Advisers

Paul McCormack Inverness Investment Group

Kurt W Mears Advance Capital Management Page 4

Randal Kevin Mears Mears Financial Services Page 8

Eric Nilson Wells Fargo Advisors LLC

Susan Elaine Paolo Wells Fargo Advisors LLC Page 5

Darrin Plys Ameriprise Financial Services Inc

Jack Donald Polcar Wells Fargo Advisors LLC

Scott Polish Wells Fargo Advisors LLC

Harold Pollov Oasis Assets Management Group

Michael Rabe Wells Fargo Advisors LLC

Stephen Reagh Wells Fargo Advisors LLC

C Robert Rittberger Morgan Stanley

Laura Sedlak Wells Fargo Advisors LLC

Michael David Sejka Wells Fargo Advisors LLC

Scott Alan Simmerer Raymond James Financial Services Page 8

Satish Singh Ameriprise Financial Services Inc

Robert C Smith Spero-Smith Investment Advisers

Henry Spain Wells Fargo Advisors LLC

Cornelia Spring Cetera Advisor Networks

Abby Anne Stancik Wells Fargo Advisors LLC Page 6

Brent Teague Oswald Financial

Tom G Thacker II Oppenheimer amp Company

Dominic Tropiano Key Investment Services

Raymond Matthew Tropp Beacon Financial Partners

Porter Vergon Morgan Stanley

John Vrablic TIPS 4 Reps

Michael Vulku Ameriprise Financial Services Inc

Warren Wernick Wells Fargo Advisors LLC Page 3

Eric Wulff Aurum Wealth Management Group

Stephen Yarmesch Riverview Research

Michael Zawatsky Wunderlich Securities

William Henry Zufall III Zufall Financial Services

Financial planning is

a holistic approach to

financial well-being

mdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

wwwfivestarprofessionalcom mdash FS bull 9

Certified Financial Planner Board of Standards Inc owns the certification marks CFPreg Certified finanCial Plannertrade and the federally registered CFP (with flame logo) in the US which it awards to individuals who successfully complete CFP Boardrsquos initial and ongoing certification requirements The Chartered Financial Consultant credential [ChFCreg] is a financial planning designation awarded by The American College

Venera Izant Merrill Lynch

Sunwook Jin Redwood Financial Network

David Jones Cetera Advisor Networks

Frank Kirchner LPL Financial

Daniel Lauletta Plan Corporation

John Lipaj True North Financial amp Investment Planning

Gregory Lopez Oswald Wealth Page 8

Michael Maynard Morgan Stanley

Gregory Morris Capital Planners

Larry November Lincoln Financial Advisors

Richard Packer LPL Financial

Douglas Atkinson Price Capital Advisors

Patricia Quinonez Quinonez amp AssociatesAmeriprise Financial Services Inc Page 2

Lynn Rasko Morgan Stanley

Kenneth F Robinson Practical Financial Planning

Michael Roethler Robert W Baird amp Company

Daniel Ryder Skylight Financial Group

Smita Samant BDS Financial Network

Pamela Sandy Confiance

Max L Schaffer Ameriprise Financial Services Inc

James Richard Schaffer Jr Waypoint Partners

Todd M Schmidt Advance Capital Management Page 4

Ashok Shendure BDS Financial Network

Rajanee Shendure BDS Financial Network

Robert Skrbis Ameriprise Financial Services Inc

Eric Tolbert Ameriprise Financial Services Inc

Laura Ann Tomco Morgan Stanley

Susan Siara Vasu Landing Point Financial GroupAmeriprise Financial Services Inc

Donald Wagner Good Shepherd Financial Page 7

Gary Wagner Carnegie Investment Counsel

Dean Weemhoff Beacon Financial Partners

Steven M Young Lincoln Financial Advisors

Jeff Zemito Skylight Financial Group

InvestmentsSteven M Adler Rolf-Adler

Group

Robert Apple Wunderlich Securities

John Bartels Inverness Investment Group

Steven Berman Wells Fargo Advisors LLC

Randall L Bliss Bliss Capital Advisors

Michael Bornhorst Wells Fargo Advisors LLC

Mark Breen NFP Advisor Services

Justin A Brock US Bancorp Investments

Kathleen Chapman Ridge Creek Global Page 8

Daniel Chavayda LPL Financial

James Duralia Wells Fargo Advisors LLC

Stephen Eppich EAM

Gary Fishback Wells Fargo Advisors LLC

Justin Fitchko Wells Fargo Advisors LLC

Linda Fousek Carnegie Investment Counsel

Mitchell Frankel Wells Fargo Advisors LLC

David Gottlieb Edward Jones

Steven P Hanousek Wells Fargo Advisors LLC

Patrick Edward Healy Wells Fargo Advisors LLC

Gregory Helms Ameriprise Financial Services Inc

Russell Howard Redwood Financial Network

Kathleen Indiano Indiano amp Company CPAs Page 4

Thomas B Johnson Morgan Stanley

Dennis Juvan Infinex Investments

Robert Karras R Karras Asset Management amp Planning Page 7

David Kocsis Peak Wealth Solutions

Gary J Kovach Tactical Investment Management

Paul J Labanc Ameriprise Financial Services Inc

David Lavelle Edward Jones Investments

John Patrick Lee Jr Wells Fargo Advisors LLC

Donna Kay Leseman Morgan Stanley Page 8

Michael Lewis AXA Advisors

Andrew Lukcso Huntington Investment Company Page 6

Jeffrey N Malbasa Spero-Smith Investment Advisers

Paul McCormack Inverness Investment Group

Kurt W Mears Advance Capital Management Page 4

Randal Kevin Mears Mears Financial Services Page 8

Eric Nilson Wells Fargo Advisors LLC

Susan Elaine Paolo Wells Fargo Advisors LLC Page 5

Darrin Plys Ameriprise Financial Services Inc

Jack Donald Polcar Wells Fargo Advisors LLC

Scott Polish Wells Fargo Advisors LLC

Harold Pollov Oasis Assets Management Group

Michael Rabe Wells Fargo Advisors LLC

Stephen Reagh Wells Fargo Advisors LLC

C Robert Rittberger Morgan Stanley

Laura Sedlak Wells Fargo Advisors LLC

Michael David Sejka Wells Fargo Advisors LLC

Scott Alan Simmerer Raymond James Financial Services Page 8

Satish Singh Ameriprise Financial Services Inc

Robert C Smith Spero-Smith Investment Advisers

Henry Spain Wells Fargo Advisors LLC

Cornelia Spring Cetera Advisor Networks

Abby Anne Stancik Wells Fargo Advisors LLC Page 6

Brent Teague Oswald Financial

Tom G Thacker II Oppenheimer amp Company

Dominic Tropiano Key Investment Services

Raymond Matthew Tropp Beacon Financial Partners

Porter Vergon Morgan Stanley

John Vrablic TIPS 4 Reps

Michael Vulku Ameriprise Financial Services Inc

Warren Wernick Wells Fargo Advisors LLC Page 3

Eric Wulff Aurum Wealth Management Group

Stephen Yarmesch Riverview Research

Michael Zawatsky Wunderlich Securities

William Henry Zufall III Zufall Financial Services

Financial planning is

a holistic approach to

financial well-being

mdash Five Star award winner

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL

FIVE S

TAR PROFESSIO

NAL