Ernest Roo

Barbara Schelhorn is a CFP® professional with 24 years of industry experience. She has worked at Creative Planning since 2021 and previously spent 18 years with Harris Investor Services LLC. Creative Planning provides investment advisory and financial planning services to a diverse client base including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supported by a large advisory team and centralized investment infrastructure.

Bruce Bennett is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2009. His prior experience includes a long tenure at Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations, while generally acting in an advisory capacity for retirement accounts unless separately engaged.

Judith Seaman is a financial advisor at Cetera with 35 years of industry experience. She holds Series 63 and Series 65 credentials and has operated Judy Seaman Investment Services since 2001. Her prior experience includes Investors Capital Corporation from 2001 to 2016. She is also involved as an agent in fixed insurance products, including life, annuities, and long-term care. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a network of over 6,800 independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing both advisor-managed and firm-sponsored investment solutions.

Mark Rosenfeld is a financial advisor with LPL Financial, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 29 years of industry experience, including 19 years at Next Financial Group Inc. Outside of his advisory role, Rosenfeld operates a CPA practice focused on investment-related activities. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team, delivering both strategic and tactical portfolio options through a large network of investment adviser representatives.