Brian Westerhoff is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Fidelity and has worked at firms including Charles Schwab and Financial Engines Advisors L.L.C. His roles span brokerage services and investment management. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a broad client base including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and serves in advisory roles for multiple registered investment companies and fund-of-funds.

Justene Charlesworth is a financial advisor at Cetera with four years of industry experience and holds a Series 66 designation. She has previously worked at Avantax Advisory Services, Cordano Severson & Associates, and runs Charlesworth Financial Services, where she provides tax preparation, financial advising, and consulting for small businesses. Outside of financial services, she works part-time as a fitness instructor at Spenga, leading spin, strength, and yoga classes. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting customized strategies and a range of program structures.

Danny Wilburn is a CFP® professional with 33 years of industry experience, currently serving with LPL Financial since 2009. He also maintains a role at Rb Smith Company Inc, where he has been active since 1993. Wilburn holds Series 63 and 65 licenses and has activity as a life insurance agent and tax preparer alongside his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors using both proprietary and third-party models.

Michael Ulanowski is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 23 years of industry experience. He has worked at J.P. Morgan Securities LLC since 2012 and has been with JPMorgan Chase Bank, N.A. since 2004. Prior to that, he was with Ameriprise for one year. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process is supported by centralized due diligence and incorporates forward-looking capital market assumptions, with an emphasis on Eligible Strategies and ESG considerations.

Patricia Austgen is a financial advisor at Ameriprise with 33 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005 and holds a Series 63 designation. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets, offering detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support its advisory services within a large institutional framework.

Dawn Carrico is a financial advisor at Edward Jones with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

William Maar is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. He serves on the board of directors and finance committee for the Porter County Community Foundation and is president of the MAAC Foundation, a nonprofit focused on training for first responders in Northwest Indiana. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based financial planning on a broad range of topics, with options to combine planning and managed-account services under a consolidated billing structure called “WealthPlan.”

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.

Alan Shenker is a financial advisor at Fidelity with 40 years of industry experience. He holds Series 63 and Series 65 designations. His prior roles include positions at Morgan Stanley Investment Management and Fifth Third Bank. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs. The firm also serves as a commodity pool operator and provides advisory services to registered investment companies and fund-of-funds.

Marino Stath is a financial advisor with LPL Financial in Merrillville, IN, holding Series 63 and Series 66 designations and 18 years of industry experience. He previously worked at Cambridge Investment Research Advisors, Signator Investors, and Transamerica Financial Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory solutions, including model portfolios, third-party asset management, and institutional platforms.

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 at Mass Mutual Investors Services with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Mass Mutual Investors Services since 1985 and MassMutual Life Insurance Company since 1981. In addition to his advisory role, he is active as an insurance agent, focusing on life insurance, fixed annuities, disability, and long-term care products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Elizabeth Bakker is a financial advisor at Edward Jones with five years of industry experience. She holds the CFP® certification and Series 66 license. Prior to joining Edward Jones in 2021, she worked at IEP Therapy and Franciscan Health. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm offers a variety of advisory programs and investment strategies, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

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 with LPL Financial, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked with LPL Financial since 2018 and was previously with SII Investments, Inc. from 2012 to 2018. Rice is also an attorney and principal of Rice & Rice, a legal firm specializing in estate and family financial planning, and he is a business owner and director of both W Kendall & Sons Inc. and Mayfield Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions, supported by proprietary research and technology tools, and oversees significant discretionary assets nationwide.

Jason Urbaniak is a financial advisor with LPL Financial in Crown Point, Indiana, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining LPL Financial in 2018, he worked at SII Investments, Inc. for 16 years. Urbaniak is a partner at JU-MR LLC, a real estate management entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, and institutional platforms, supported by a large network of advisors and technology tools.