Jeffrey Daniel Torok

Alexander Locker is a CFP® professional with 27 years of experience in financial advisory services. He is the principal of OmniDivitia Wealth Management, Inc., an independent firm based in Flossmoor, IL, and has also operated tax preparation services through OmniDivitia Tax Services, LLC. His work history includes running his own firms since 2009. OmniDivitia Wealth Management provides personalized investment management and financial planning to individuals, trusts, estates, small businesses, pension and profit-sharing plans, and charitable organizations. The firm employs documented investment policy statements and a combination of fundamental and technical analysis, offering services such as discretionary portfolio management, retirement-plan advisory, and ERISA pension consulting.

Scott Pederson is a financial advisor with Harmony Wealth Management LLC in Crown Point, Indiana. He holds Series 63 and Series 66 licenses and has 29 years of industry experience, including 22 years at Charles Schwab & Co., Inc. and Charles Schwab Bank before founding his current firm in 2019. Harmony Wealth Management is an independent asset management and financial planning firm serving individuals, trusts, corporations, retirement plans, tax-exempt entities, and government clients. The firm emphasizes quantitative portfolio optimization and efficient-frontier analysis in its investment process and offers a distinctive service mix that includes predominantly non-discretionary asset management and educational client workshops.

Renee Collins is a CFP® with 13 years of industry experience, currently serving as the sole advisor at Retire Ready Inc. She has a background that includes roles at the IRS and FGMK, and she is the founder and president of RKC Tax and Financial Services Inc., an accounting firm providing services to a nonprofit organization. Retire Ready Inc. offers comprehensive financial planning to individuals, families, business owners, and clients undergoing divorce, with a focus on cash flow, retirement, tax, estate, risk management, and investment planning. The firm emphasizes a passive investment approach using diversified, low-cost index funds and ETFs, combined with client-specific risk assessment, and provides services through modular planning packages and ongoing management under a fiduciary standard.

Joseph Harowski is a CFP® professional with 22 years of experience in the financial services industry. He has been associated with United Planners Financial Services of America since 2004. Harowski currently operates as the sole advisor at Smart Choice Financial Planning, Inc. in St. John, Indiana. Smart Choice Financial Planning offers financial planning, retirement and estate consultations, and portfolio monitoring to individuals, families, and small businesses without account minimums. The firm employs a primarily passive, low-cost investment approach with documented investment policy statements and provides services on a project or fixed-fee basis without charging based on assets under management.

Kyle Matkaitis is a CFP® professional with 15 years of experience in the financial services industry. He is the founder and Chief Compliance Officer of Whisper Wealth Builders, an independent advisory firm he established in 2020. Prior to founding Whisper Wealth Builders, Matkaitis worked at SNS Financial Group, LPL Financial, and Fidelity Brokerage Services. Whisper Wealth Builders serves individual and corporate clients, offering discretionary investment management alongside project-based and ongoing financial planning. The firm primarily uses passive investment strategies based on Modern Portfolio Theory while incorporating fundamental and cyclical analysis, and it also conducts educational seminars for groups such as college and professional athletes.

Douglas Santefort is the owner and president of Santefort Investment Group, LLC, with 21 years of industry experience. He holds a Series 66 designation and previously worked at Madison Avenue Securities, Inc. from 2007 to 2018. Outside of his advisory work, he serves on the board of the Elim Christian Services Foundation. Santefort Investment Group advises individuals, high-net-worth clients, trusts, business entities, and employer-sponsored retirement plans. The firm offers discretionary asset management, retirement-plan consulting as a 3(21) fiduciary, public educational seminars, and sells fixed insurance products, employing a blend of fundamental, technical, charting, and cyclical analysis with support from third-party managers and platforms.