Michael Olesen is a financial advisor with LPL Financial in Geneva, IL, holding Series 63 and Series 66 credentials and 39 years of industry experience. He previously worked at Private Advisor Group, LLC and Advantage Investment Management LLC. Outside of advisory work, he has ownership interests in restaurant management and teaches occasionally. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, utilizing research and model portfolios from internal and third-party sources.

James Jamison III is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has been with LPL Financial since 2010. Outside of his advisory role, he serves as president and owner of Benefit Design & Administration, Inc., a third-party administrator. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Jacqueline Horan is a financial advisor at LPL Financial with one year of industry experience. She holds the Series 66 designation and has previously worked at CUSO Financial Services, Consumers Credit Union, and other organizations. Horan also maintains a role as a notary with Consumers Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and multiple investment strategies.

Karmen Gearhart is a financial advisor with LPL Financial in Muskegon, MI, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. She has been with LPL Financial since 2012. Outside of her advisory role, she is an ordained minister who performs marriage ceremonies for family members without charge and assists with bookkeeping for her husband's contracting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Ruben Bakhash is a financial advisor with LPL Financial in Woodcliff Lake, NJ, holding a Series 66 designation and 26 years of industry experience. He has been affiliated with LPL Financial since 1998 and has taught finance and CFP-related courses at Fairleigh Dickinson University since 2005. In addition to his advisory work, he is licensed as an independent insurance agent selling fixed annuities and has experience as a mortgage broker. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a wide range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

John Guyet is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads an advisory team focused on helping high net worth families and individuals manage their wealth and achieve their long-term financial objectives. John brings over 25 years of experience in the financial services industry, beginning his career in 1997 with asset management firms including Lord Abbett, Nuveen Investments, and Lazard Asset Management. He joined Merrill in 2021, transitioning to wealth management. His expertise encompasses a wide range of client focus areas such as college education planning, family wealth management strategies, legacy planning, philanthropic planning, retirement income, and services tailored for endowments, foundations, and non-profits. John holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Stockton University. John is engaged in community service and volunteers with the Our House Foundation. Outside of work, he enjoys fishing, golfing, hiking, reading, skiing, traveling, and spending time with his family. His approach involves working one-on-one with clients to develop personalized financial strategies aligned with their long-term goals.

Heiner Kessler is a financial advisor at LPL Financial with 18 years of industry experience. He holds the Series 63 and Series 65 credentials and has previously worked at ABNB Federal Credit Union, CUSO Financial Services, PNC Investments, and PNC Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Stephen Piacentini Jr. is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at FTB Advisors, Inc. Outside of his advisory role, he is involved as a partner in a real estate rental business in Panama City Beach, FL. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, combining discretionary and non-discretionary management with model portfolios and research support.

Thomas Forcella is a financial advisor with LPL Financial, holding the Series 63 and Series 65 designations and bringing 34 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved with Forcella Wealth Management, a non-variable insurance business focused on client reviews, investment management, and life insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with various management approaches and access to model portfolios and research.

Richard Moen is a financial advisor with LPL Financial based in Turlock, CA. He holds the Series 63 and Series 65 designations and has 25 years of industry experience. Prior to joining LPL Financial in 2024, he spent 18 years with Securities America, Inc. and Securities America Advisors, Inc., as well as nearly two decades at Winton-Ireland, Strom and Green. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and corporations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by model portfolios and research.

George Camberis is a financial advisor with LPL Financial based in Naples, FL, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has worked at LPL Financial since 2012 and operates as a consultant under his own name since 1984. Additionally, he owns a CPA practice offering tax preparation and planning services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of adviser representatives. The firm provides a variety of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Rena Noe is a CFP® professional with 26 years of experience in the financial industry. She has worked at LPL Financial since 2018 and previously held roles at SII Investments Inc and Strategic Financial Group. Noe is also a certified notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, and institutional entities. The firm offers a variety of advisory programs and financial planning services supported by internal and third-party research, with both discretionary and non-discretionary management options.

Adam Henderson is a financial advisor with LPL Financial in Temecula, CA, holding a Series 63 designation and totaling 26 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by model portfolios and research.

John Petrus is a financial advisor with LPL Financial in Albany, NY, holding the ChFC® designation and Series 63 license. He has 46 years of industry experience, having worked previously at Metlife Securities Inc. and Mass Mutual Investors Services. He also operates Rosemont Financial Group as a DBA related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research and model portfolios.

Bruce Horowitz is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. Prior to joining LPL Financial in 2024, he spent 21 years with Commonwealth Financial Network. He is also president and co-owner of Wealth Advocates, Inc., a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, with access to model portfolios, third-party research, and various investment strategies.

Jesse Tharp is a CFP® professional with 20 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has extensive prior experience with FTB Advisors, Inc. and First Tennessee. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Paul Burns is a financial advisor at LPL Financial in Phoenix, Arizona, with 36 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2025, he worked at Woodbury Financial Services for 16 years and OSAIC for one year. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios from various subadvisors.

Lawrence Vandemark Jr. is a financial advisor with LPL Financial based in Newburgh, NY. He holds Series 66 and Series 63 licenses and has four years of industry experience. Prior to joining LPL Financial and Hudson Valley Credit Union, he worked at Nylife Securities LLC and New York Life Insurance Company. Outside of his financial advisory role, Vandemark operates a home-based farm business specializing in pickles. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals—including high-net-worth and non-HNW clients—retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research, model portfolios, and various management options.

Dale Stern is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has worked at LPL Financial since 2018 and previously spent over 21 years with Harris Investor Services Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Nilima Madan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 26 years of industry experience. She has been with LPL Financial since 2010. Madan serves as president of The Association of Indians in America, a nonprofit organization based in Port Washington, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, employing both discretionary and non-discretionary management supported by in-house and third-party research.