Debra Masters is a financial advisor at Edward Jones in Homer Glen, IL, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones, she worked at Mariano's and held various roles in banking and retail. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Rahman Hemica is a Series 66 licensed financial advisor with Merrill, based in Orland Park, IL, and has one year of industry experience. His prior roles include positions at Bank of America and leadership experience at One Pharma, a pharmaceutical manufacturing company based in Bangladesh, where he serves as a director. He is also involved with Hemica's Angels for Humanity, a nonprofit providing healthcare and meals to underserved communities in Bangladesh, and founded No Chinta Home Healthcare, a platform offering comprehensive home medical services. 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, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions.

Jessica Walton is a financial advisor at Merrill with Series 65 and Series 66 licenses and less than one year of industry experience. Her prior work includes roles at Bank of America, N.A., American Family Life Assurance Company, and Siebert Williams Shank & Co., LLC. Walton serves on the board of directors for Timeless Gifts, a nonprofit performing arts program in Chicago for youth and young adults. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Austin Smith is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and previously worked at Guggenheim Funds Distributors, LLC and J.P. Morgan Securities LLC. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques but does not include individual security recommendations as part of standalone plans.

Richard Sofiak is a financial advisor with Wells Fargo Clearing in Orland Park, IL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broader set of financial product offerings than typical large institutional advisers, including insurance-related vehicles and bank deposit sweep options.

Dylan Engel is a financial advisor with Morgan Stanley in Orland Park, IL, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Chipotle for four years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Michael Murray is a financial advisor at Raymond James Financial with three years of industry experience and holds a Series 66 designation. His work history includes roles at Raymond James Financial Services Advisors, Inc. and Elevate Private Wealth Management, among others. Outside of financial services, he has been involved with the Will County Brewing Company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Laurel Long Engel is a financial advisor with Morgan Stanley in Orland Park, IL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including financial planning using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

James Budzinski is a financial advisor at Edward Jones with six years of industry experience. He has worked at Edward Jones since 2019 and previously spent 40 years at Xerox Corporation. He holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Richard Jakush is a financial advisor at Morgan Stanley with 37 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2007. Jakush holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.

James Kapala is a financial advisor with LPL Financial in Orland Park, IL, holding the CFP® designation and Series 63 and 65 licenses. He has 36 years of industry experience, including roles at Harris Investor Services, Inc. since 2008 and LPL Financial since 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to support both discretionary and non-discretionary management.

Joseph Spataro is a financial advisor with LPL Financial in Mokena, IL, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Waddell & Reed Inc and various insurance carriers associated with W & R Insurance Agencies. Outside of his advisory work, he is involved with Rincker Investments, LLC, a non-investment related business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, 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 both discretionary and non-discretionary management alongside research-supported model portfolios and various technology-driven investment solutions.

Jeffrey Otway is a CFP® with 13 years of experience in the financial services industry. He is currently an advisor with LPL Financial and previously worked at Edward Jones, TD Ameritrade, and EF Legacy Securities. Outside of his advisory work, he is a musician and performs as the lead guitarist in a live cover band called Cellar Door. 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 provides a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management alongside research from both internal and third-party sources.

Timothy Winters is a financial professional with six years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 licenses and has previously worked with COUNTRY Capital Management Company and managed his own insurance agencies. Winters has also been employed by the Chicago Park District for nearly two decades. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Sayre Chick is currently a Planning Consultant at Fidelity Investments, a role they have held since 2026. In this position, Sayre collaborates with clients to develop financial plans aimed at achieving their financial goals, emphasizing trust and reliability in client relationships. Sayre's experience in the financial services industry includes previous roles at Fidelity Investments, such as Relationship Manager (2025-2026), Financial Representative (2025), and Financial Services Representative (2024-2025). Prior to joining Fidelity, Sayre worked as a College Financial Services Representative at Northwestern Mutual from 2023 to 2024. Outside of their professional work, Sayre's personal interests include fishing, fitness, golf, snowboarding, and traveling.

John Puthenveetil is a financial advisor with Wells Fargo Clearing in Munster, IN, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Outside of his advisory work, he serves as a trustee for a close family friend and holds power of attorney for his spouse in investment-related matters. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and demographics, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Jeffrey Prentice is a financial advisor with Cetera, holding CFP® and ChFC® designations and over 33 years of industry experience. His career includes roles at Securian Financial Services, Financial Design Group, and positions managing his own firm, Prentice Financial Services, Inc. He is also involved in life settlements through approved vendors associated with Cetera. Cetera Investment Advisers LLC is a large SEC-registered advisory firm that serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers diverse portfolio management options through a multi-manager platform, combining affiliated and third-party managers with various program structures and custodial relationships.

Christopher Lam is a financial advisor with Charles Schwab holding a Series 66 designation and four years of industry experience. His prior work includes roles at Fidelity Investments, Progressive Insurance, and T-Mobile. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Joseph Mardirosian is a financial advisor at Morgan Stanley with a Series 66 designation and experience dating back to 2015. His career includes roles at U.S. Bank Global Fund Services, RSM US LLP, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Karen Montemayor is a Financial Consultant at Fidelity Investments, a position she has held since 2022. In her role, she focuses on understanding her clients' personal, professional, and financial goals to develop comprehensive financial plans tailored to their needs. She works closely with clients throughout the implementation and ongoing adjustment of these plans. Prior to her current role, Karen worked as a Financial Advisor at Northwestern Mutual from 2017 to 2019. Her experience encompasses providing financial advisory services aimed at supporting clients in achieving their financial objectives. Karen emphasizes building strong relationships with her clients to adopt a holistic approach in financial planning. Further details regarding her education, credentials, personal interests, or community involvement have not been provided.