Matt Gerard is a Financial Consultant currently working at Fidelity Investments since 2021. He has held the role of Financial Consultant at Fidelity Investments since 2024 and previously held the same title at TD Ameritrade from 2016 to 2021. His prior experience includes positions as Branch Manager at Fifth Third Bank from 2014 to 2015, Financial Advisor at JP Morgan Chase from 2012 to 2014, and Financial Advisor at 1st Source Advisors from 2008 to 2012. With over 15 years in the financial industry, Matt focuses on providing customized services and suggestions to help clients work towards their financial goals. He assists clients in creating and routinely updating solid financial plans and developing investment strategies aligned with their objectives. He is committed to maintaining contact with clients to adjust strategies as their financial needs evolve. Outside of his professional work, Matt has interests in baseball, football, golf, motorcycles, and traveling.

Terry Clark is a financial advisor at Edward Jones with 17 years of industry experience and holds the Series 66 designation. He has been with Edward Jones since 2008. Outside of his advisory role, Clark serves as a council member of the Suicide Prevention Council of St. Joseph County, where he provides financial guidance and assists with financial reporting. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Thomas Seroczynski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 30 years of industry experience. He previously worked at A. G. Edwards & Sons, Inc. from 2007 to 2008. Outside of his advisory work, he officiates youth hockey games in South Bend, Indiana. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, supported by research from Wells Fargo Investment Institute and third-party sources.

Joseph Garwood is a financial advisor at Robert W. Baird & Co. with 21 years of industry experience. He has been with Robert W. Baird since 2012 and holds the Series 66 designation. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group provides a range of consulting and portfolio services, tailoring investment strategies to client goals using both in-house and third-party managers.

Brad Woods is a Series 66-licensed financial advisor at Cambridge Investment Research Advisors with 19 years of industry experience. He has been with Cambridge since 2017 and previously worked at CUNA Mutual Group, CUNA Brokerage Services, United Federal Credit Union, and CUSO Financial Services. Outside of his advisory role, Woods serves as president of Woods Financial Services LLC, where he operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a broad network of independent professionals and employs a variety of investment strategies and platform arrangements tailored to client objectives.

Steven Forehan is Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2015, progressing through roles including Financial Representative, Investment Solutions Representative, Investment Consultant, and Financial Consultant before his current position commencing in 2023. Steven's professional approach centers on building lasting partnerships by understanding each client's goals and values. He emphasizes collaboration and education, aiming to develop tailored financial strategies that adapt to clients' changing circumstances. His role at Fidelity provides him access to resources that support various investor styles. Outside of his professional responsibilities, Steven has interests in football, golf, outdoor adventures, traveling, and volunteering.

Brian Guy is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2018, following prior roles at Wells Fargo Clearing and Wells Fargo Investments. Outside of his advisory work, he serves as an executor for an estate in Fort Wayne, Indiana. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning strategies. The firm employs a structured planning process supported by proprietary tools and serves clients through both direct engagements and corporate agreements.

Cheryl Barker Harwood is a financial advisor with UBS Financial Services in Mishawaka, IN, holding a Series 66 designation and 19 years of industry experience. She has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

David Kotecki Jr. is a ChFC®-designated financial advisor with Ameriprise in Elkhart, Indiana, bringing 26 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers comprehensive retirement-income planning services tailored to individuals approaching or in retirement with significant investable assets. The firm utilizes a centralized consulting team that combines research, modeling, and tax-efficiency analysis to provide customized, non-discretionary recommendations as part of its broader range of advisory, brokerage, and insurance solutions.

Sergio Andrade is a financial advisor with Edward Jones in Granger, IN. He holds a Series 66 designation and has prior work experience at Lippert and Walt Disney World. Andrade has been with Edward Jones since 2025. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households, pension plans, corporate clients, and charities. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Benjamin Burbedge is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill Lynch, Ameriprise Financial Services, and Woodbury Financial Services. Burbedge is also president of Burbedge Asset Management LLC. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management.

Colton Dennis is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His background includes roles at Fidelity Investments, Ball State University, Zolman Tire and Auto Care, and Penn Harris Madison. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and provides formal advisory services to multiple registered investment companies.

Anthony Paino is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial, Inova Federal Credit Union, Bank of America, Merrill, and other firms. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Rebecca Brown is a financial advisor at Edward Jones with 14 years of industry experience. She holds the CFP® designation and Series 66 license. Brown has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of investment strategies with a fiduciary standard of care.

Terry Dirrim is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliates since 2009, including service at Morgan Stanley Private Bank, National Association. Dirrim maintains an estate investment activity outside his advisory role. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with additional activities such as private funds and structured-product trading.

Alyse Keultjes is a CFP®-designated financial advisor with eight years of industry experience, currently serving clients at LPL Financial since 2024. She previously worked at Edward Jones for six years and has experience in entrepreneurial ventures, including founding Spunky Girl SoapWorks. Outside of advisory work, she is involved with Keultjes Investment Group, LLC, a business entity formed for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions, including access to model portfolios, third-party asset managers, and institutional platforms.

Joseph Billerman is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at Thrivent Financial and Thrivent Investment Management Inc. He also spent three years at Holy Cross College and has been involved with Billerman Farms for nine years. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a retirement income service that provides written recommendation reports and ongoing planning advice focused on dependable income and tax-aware withdrawal strategies for clients approaching or in retirement.

Melissa Eikens is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1999. Outside of her advisory role, she is involved in business ownership through Pi Charts, LLC, which manages office real estate. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, written recommendations, supported by a centralized consulting team and algorithmic tools.

Lindsey Downey is a Series 66-licensed financial advisor with Edward Jones in Mishawaka, IN, where she has worked since 2019. She has six years of industry experience, including five years at KINETIC IT Solutions prior to joining Edward Jones. Outside of advising, she is involved in a health and wellness business as a distributor for Advocare. Edward Jones is a full-service wealth management firm serving individual and institutional clients across the United States. The firm manages over $1 trillion in assets and offers a range of advisory programs and investment solutions through a large nationwide network of advisors and offices.

Robert Dhoore is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 15 years of industry experience. He has been with J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.