Joseph Book is a financial advisor affiliated with OSAIC, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. His prior roles include positions at Woodbury Financial, LPL Financial, Itasca Bank, and Money Concepts Capital Corp. Outside of his advisory work, he owns and operates a disc jockey and musical entertainment business. OSAIC Wealth serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through various investment programs. The firm employs a model-based asset allocation and portfolio optimization approach and is notable for its scale, consolidation activity, and complex affiliate network.

Terrence Porro is a financial advisor at OSAIC with 25 years of industry experience. He previously worked at Woodbury Financial Services, Inc., Valic Financial Advisors, and Ameriprise. Outside of his advisory role, he has been involved in selling traditional life insurance products since 1985. OSAIC serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with portfolio optimization tools and supports various managed account strategies.

James Czerniak is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Morgan Stanley Private Bank, Morgan Stanley, LPL Financial, and LaSalle Financial Services. He also serves as Chief Investment Officer for Ambassador Wealth Management, where he is involved in portfolio review, new business development, and client servicing. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services through a multi-advisor platform, utilizing model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and efficient frontier analysis.

Charles Mowery is a financial advisor at Osaic with a Series 66 designation and less than one year of industry experience. His prior roles include positions at SAI Financial Services and RMB Capital, as well as various non-financial employment. Osaic Wealth serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supporting a range of strategies and third-party manager programs.

Frances Tillman is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 licenses and six years of industry experience. Prior to joining Osaic in 2024, she worked at Woodbury Financial Services and State Farm VP Management Corp. She also has roles supporting financial planning and client services through her work with Northpoint Financial Group and Camaioni Consulting. Osaic Wealth serves a wide range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach includes model-based asset allocation and portfolio optimization, supporting discretionary strategies and third-party manager selections.

Robert Teske is a financial advisor with OSAIC holding a Series 66 designation and 13 years of industry experience. His prior work includes roles at Woodbury Financial Services, Inc. and Callero and Lorenz Financial. Teske is also involved in assistant roles focused on client service and retirement planning and operates a sole proprietorship as a licensed life and health insurance producer. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process emphasizing asset allocation, portfolio optimization, and a range of strategies including Unified Managed Accounts and third-party manager programs.

Milton Flanagan is a ChFC® credentialed financial advisor at OSAIC with 26 years of industry experience. He has previously worked at Woodbury Financial Services, FIFTH THIRD SECURITIES, Citigroup Global Markets, and Citicorp Investment Services. Outside of his advisory work, he serves as president of the Gerard Radice Educational Foundation, which provides educational scholarships, and he teaches retirement preparation classes as adjunct faculty at a local college. Flanagan is also an author of educational materials focused on retirement income. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and a multi-advisor platform supporting discretionary and advisor-managed strategies.

David Soper is a financial advisor at Osaic Wealth with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Woodbury Financial Services and operated his own investment-related entities since 2005. Outside of finance, he is a co-owner of Salon St. Clair, a hair salon business run by his spouse. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services featuring model-based asset allocation and portfolio optimization, supported by various investment programs and third-party managers.

Michael McDonnell is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He previously worked for Woodbury Financial from 2005 to 2024 before joining Osaic in 2024. Outside of his advisory role, he is involved in managing two laundromats through an LLC. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process utilizes model-based asset allocation and portfolio optimization, with various program options such as Unified Managed Accounts, third-party money managers, and retirement plan consulting.

Mark Page is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He worked at Woodbury Financial Services for 33 years before joining OSAIC in 2024. In addition to his advisory role, he operates a sole proprietorship providing health insurance as part of his financial planning practice. OSAIC Wealth serves a diverse client base including retail, institutional, and corporate clients, offering brokerage and advisory services through multiple programs. The firm employs a model-based investment process with tools for asset allocation, portfolio optimization, and risk management, supported by a complex affiliate network and private-equity ownership.

Dino Marnell is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services, Inc. and at his own firm, Marnell Financial Services, which he has operated since 2001. Outside of his advisory role, he serves as a board member for Laundry World Company of Berwyn and LWC Property, LLC, where he is involved in long-term business decision-making. OSAIC Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach that emphasizes model-based asset allocation, portfolio optimization, and multiple program options including Unified Managed Accounts and third-party money manager programs.

David Hanson is a financial advisor at OSAIC with Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at Woodbury Financial Services Inc. and Forty Four Financial. OSAIC Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with a variety of brokerage and advisory services, featuring model-based asset allocation, portfolio optimization, and access to third-party money managers and proprietary strategies.

Daniel Wachs is a Chartered Financial Consultant (ChFC®) with 30 years of industry experience. He is currently affiliated with OSAIC and has held prior roles at Woodbury Financial Services, Uhlmann Investment Management, Perpetual Wealth Capital Management, and American General Securities. Outside of advisory work, he owns Perpetual Wealth Management LLC, a business focused on life insurance and premium finance, and serves as an independent insurance agent through multiple entities. OSAIC serves a broad mix of retail and institutional clients, offering brokerage and advisory services that include financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach relies on model-based asset allocation and portfolio optimization utilizing risk-tolerance assessments and third-party managers, supported by a complex network of affiliated broker-dealer, asset management, insurance, and trust firms.

Alexander Gallegos is a financial advisor at OSAIC with 16 years of industry experience. He holds the Series 66 designation and previously worked at Woodbury Financial Services, BMO Harris Financial Advisors, and Edward Jones. Outside of his advisory role, Gallegos is active in his community as Vice President of the Riverside Chamber of Commerce, a Director of the Riverside Township Lions Club, and a Trustee on the Riverside Village Board of Trustees. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach includes model-based asset allocation and portfolio optimization, with access to discretionary strategies, third-party managers, and alternative investments.

Mitchell Sullivan is a financial advisor at OSAIC with eight years of industry experience. He holds the Series 63 and Series 65 licenses and previously worked at Woodbury Financial Services Inc. for six years. His work history also includes roles in logistics, financial services, and campus recreation. OSAIC serves a diverse client base, including individual investors, retirement plans, charities, and corporate clients, offering both brokerage and advisory services. The firm’s investment approach involves model-based asset allocation and portfolio optimization, utilizing various managed account strategies and third-party managers through a multi-advisor platform.

Phillip Battin is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at firms including Woodbury Financial Services, Renaissance Financial Corp., and Securian Financial Services. Beyond his advisory role, he serves on the board of the NFL Alumni and is treasurer of the Pinnacle Forum, a national nonprofit organization. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services that include comprehensive financial planning and advisor-managed portfolios. The firm’s investment process uses model-based asset allocation and portfolio optimization, supporting various strategies through a complex affiliate network and private-equity ownership.

Lark Ramirez is a financial advisor at OSAIC with 23 years of industry experience. She holds the Series 63 and Series 66 designations. Before joining OSAIC in 2024, she worked for Woodbury Financial Services for 19 years. OSAIC serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supporting discretionary management and third-party solutions.

Jeffrey Scheithe is a CFP® professional with over 41 years of experience in financial advising. He is currently with OSAIC and has previously worked for Woodbury Financial Services, Inc. He is president of SAI Financial Services Inc. and Advisor Edge Financial Group LLC, both of which provide financial planning, investment planning, consulting, and insurance services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services using a model-based investment process that incorporates portfolio optimization and risk management tools.

Vincent Ramirez is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Woodbury Financial Services for 19 years. Outside of advisory work, Ramirez owns and operates an insurance agency focused on life, disability, and health insurance. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and model-based portfolio management. The firm supports various account types and investment strategies, leveraging a complex affiliate network and third-party platforms.

Michael Cirelli is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 66 designation and previously worked at Woodbury Financial Services Inc. for nine years before joining OSAIC in 2024. Cirelli is also the head coach for the boys JV baseball team at St. Francis High School. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process and a complex affiliate network.

Margaret Remlinger is a CFP® professional affiliated with OSAIC, bringing 33 years of industry experience. Her career includes positions at Woodbury Financial Services Inc., Grove Point Investments, LLC, and Banc One Securities Corporation. She owns a corporation involved in Medicare supplement and advantage plan insurance, with plans for family succession in that business. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a model-based investment approach that incorporates asset allocation, portfolio optimization, and use of third-party managers and proprietary strategies.

Parker Mullen is a financial advisor at OSAIC with two years of industry experience. He holds a Series 66 designation and previously worked at Butler National Golf Club and Illinois Wesleyan University. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services. The firm employs a model-based investment process with portfolio optimization and supports various account types through an extensive multi-advisor platform.

Marc Sweda is a financial advisor with OSAIC in Warrenville, IL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining OSAIC in 2024, he spent 25 years with Woodbury Financial Services, Inc. He is also a licensed insurance agent and a notary. Osaic Wealth serves a diverse client base, including retail investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Elizabeth Pavin is a CFP® and ChFC® with 41 years of industry experience. She currently works at OSAIC and was previously with Woodbury Financial Services for 23 years. Outside of her advisory role, she serves as President of Pavin Wealth Planning, Inc., a company that consults with and educates family and small business owners on business plan implementation. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a multi-advisor platform with brokerage and advisory services featuring model-based asset allocation, portfolio optimization, and a variety of managed account programs.

Michael McGavin is a financial advisor at Osaic with 22 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services, Harris Investor Services, Harrisdirect, and UBS Financial Services. In addition to his advisory role, he is also licensed as an insurance agent selling and servicing fixed insurance products. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services across various programs, including financial planning and managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of discretionary and third-party managed investment options.

Randall Hanson is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 35 years of industry experience. He previously worked at Fortis Investors, Inc. for 35 years and operates Forty Four Financial, LLC, where he offers traditional life insurance and fixed annuities. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and portfolio management, supported by model-based asset allocation and risk management tools.

Denise Baranowski is a financial advisor at OSAIC with 23 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked at firms including Woodbury Financial Services, Merrill, Morgan Stanley, and J.P. Morgan Securities. Outside of her advisory role, she is principal of The Divorce Financial Group, LLC, specializing in divorce planning and analysis. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and a multi-advisor platform supporting both discretionary and advisor-managed strategies.