James Gingerich is a financial advisor with Merrill in Merrillville, Indiana, holding Series 63 and Series 65 credentials and 46 years of industry experience. He has been with Merrill since 1980 and has also worked at Bank of America, NA, since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Larry Gulotta is a financial advisor at Stifel with 35 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009 and holds Series 63 and Series 66 licenses. His other activities include leasing membership affiliations with the Chicago Board of Trade. Stifel serves a diverse client base, including individuals, institutional clients, and governmental entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Marino Stath is a financial advisor with LPL Financial in Merrillville, IN, holding Series 63 and Series 66 credentials and 17 years of industry experience. His prior work includes roles at Cambridge Investment Research Advisors, Inc. and Signator Investors, Inc. Stath also operates Stath Financial Services, Inc., a non-variable insurance business. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

John Breckenridge is a Wealth Management Advisor at Merrill Lynch Wealth Management. He assists clients in identifying their financial goals and developing strategies to achieve them, with a focus on improving the likelihood of success and mitigating risks. His approach includes customizing financial strategies to individual clients, incorporating Environmental, Social, and Governance (ESG) factors when appropriate. John has been working in the financial services industry since 1991. He holds a Bachelor's Degree in Finance from Indiana University. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include liquidity management, managing new wealth, personal retirement planning, portfolio management, socially responsible and values-based investing including ESG strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Outside of his professional work, John has interests in music, reading, and running.

Crystal Bilderback is a Team Financial Advisor – Business Development I at Merrill Lynch Wealth Management. She specializes in a range of client focus areas including education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, philanthropic planning, small business strategies, special needs planning strategies, women and wealth, and tax minimization. With over 18 years of experience in healthcare leadership, Crystal brings a unique perspective to financial advising, emphasizing advocacy, trust, and clear communication. Prior to joining Merrill, she worked in clinical and operational management, skills she applies to helping families and businesses achieve their financial objectives and plan confidently for future generations. She holds a Personal Investment Advisor (PIA) designation and a Bachelor of Science degree from Purdue University. Outside of her professional role, Crystal enjoys boating, camping, cooking, hiking, music, reading, and traveling with her husband and two daughters. She also spends time caring for their pets and backyard flock.

Amanda Nagel is a financial advisor at Merrill in Merrillville, IN, with 10 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal Chief Investment Office teams and third-party managers.

Allison Mulder is a CFP®-certified financial advisor with Ameriprise, based in Hebron, Indiana, and has 13 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Outside of her advisory role, Mulder serves on the boards of Crown Point Christian School and the Bethel Church Campaign Steering Committee and is a co-owner of a real estate business. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Dan Shaner is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and over 40 years of industry experience. He has worked at MassMutual Investors Services since 1985 and has been associated with MassMutual Life Insurance Company since 1981. In addition to his advisory role, he engages in outside insurance sales focusing on life, fixed annuities, disability, and long-term care products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and education services, utilizing firm-approved software and collaborative planning methods.

Mary Vereb is a financial advisor at Stifel with 21 years of industry experience. She holds Series 63 and Series 66 designations and has been with Stifel Nicolaus & Co. since 2009. She is also involved in providing notary services through the National Notary Association during securities trading hours. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is guided by a proprietary methodology developed by its Investment Strategy Group using forward-looking capital market assumptions and probabilistic modeling.

Clifford Rice is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has been with LPL Financial since 2018, following six years at SII Investments, Inc. In addition to his advisory work, he is a principal and attorney at Rice and Rice, a law firm specializing in estate and family financial planning, and he is involved in ownership and directorship roles at W Kendall & Sons Inc. and Mayfield Corporation, businesses outside the investment sector. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services supported by model portfolios, third-party research, and technology-driven investment solutions.

Jason Urbaniak is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 66 designations and has worked at LPL Financial since 2018, following 16 years at SII Investments, Inc. He is also a partner in a business involved with managing office building maintenance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios and research from multiple sources.

Stephen Kavois is a Certified Financial Planner® with 21 years of industry experience. He has been with LPL Financial since 2018 and previously worked at Oak Investment Services for 13 years. He is also involved in the sale of fixed health and life insurance products. LPL Financial is a 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, and retirement consulting, utilizing discretionary and non-discretionary management along with research and model portfolios from various sources.

Thomas Mitchell is a financial advisor at Charles Schwab with eight years of industry experience. He has held positions at Jones and Company and TD Ameritrade before joining Schwab in 2020. Mitchell holds Series 63 and Series 66 securities licenses. Charles Schwab & Co., Inc. serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory and affiliated discretionary separately managed accounts, supported by centralized custody, brokerage, and research resources.

Sarah Tallent is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Stifel since 2017. Prior to joining Stifel, she worked at City Securities Corporation for three years. Outside of her advisory role, she is the Chief Information Officer for Elves for Santa, Inc., a nonprofit organization focused on charitable activities. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Michael Reyna is a financial advisor at Stifel with four years of industry experience. He holds a Series 66 designation and previously worked at Integrity Trade Services from 2015 to 2022 before joining Stifel. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, utilizing forward-looking capital market assumptions and probabilistic modeling for asset allocation and financial planning analyses.

David Bienemann is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and eight years of industry experience. He has worked with Thrivent Financial and Thrivent Investment Management since 2016, with a brief role at Joliet First Assembly in 2021-2022. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering both one-time and ongoing planning engagements. The firm delivers goal-based, holistic analyses and allows clients to combine planning with managed-account services while maintaining separate provisions for each.

Bridget Shoemaker is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 23 years of industry experience. She previously worked at SII Investments, Inc. for 15 years and has been associated with Oak Investment Services for over two decades. Outside of her advisory role, she serves in a fiduciary capacity for the Ruiz Trust and Ethan Ruiz Supplemental Needs Trust. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory programs, utilizing model portfolios and research from multiple sources to support diversified and alternative investment strategies.

James O'Hara is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has been with Raymond James & Associates since 2006. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a variety of portfolio management styles and research resources.

Derric Isensee is a financial advisor with Ameriprise in Merrillville, IN, holding a Series 66 designation and four years of industry experience. He has worked at Ameriprise since 2021 and concurrently owns and manages Cornerstone CPA LLC, a tax preparation firm. He is also a partner in TI Collective, LLC, involved in real estate subleasing. Ameriprise is a large institutional firm offering retirement-income planning services focused on clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

Shelly Howard is a financial advisor at Stifel with 32 years of industry experience. She has held her current position at Stifel Nicolaus & Co. since 2009 and holds Series 63 and Series 66 licenses. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.