Jeff Miller is a financial advisor with J.P. Morgan Securities in South Chicago Heights, IL, holding Series 63 and Series 66 licenses. He has 10 years of industry experience, including roles at JPMorgan Chase Bank, N.A. since 2013 and J.P. Morgan Securities since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a structured process that includes quantitative asset-allocation modeling, centralized manager due diligence, and an ESG eligibility framework. The firm delivers its services on a non-discretionary basis, with clients retaining final decision-making authority.

Kevin Ribordy is a Wealth Management Advisor with Merrill Lynch Wealth Management, having joined the firm as a Financial Advisor in 2014. Based in Northwest Indiana, he works with clients in the Chicagoland area to help them achieve their financial goals. Kevin provides objective advice to high-net-worth individuals and families, focusing on risk management and risk mitigation through portfolio construction as part of their financial planning. Kevin holds a Bachelor of Science degree in Mechanical Engineering from Purdue University. He is a CERTIFIED FINANCIAL PLANNER (CFP) certificant awarded by the Financial Planner Board of Standards, Inc., and also holds the Personal Investment Advisor (PIA) designation. His expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income planning. In addition to his professional work, Kevin is actively involved in his community. He serves as President of Union Township Dollars for Scholars, Vice President of Family House of Valparaiso, and coaches for Union Township Robotics. His personal interests include camping, running, and woodworking.

Corey Hecht is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with individuals, families, and businesses to develop personalized financial strategies tailored to their long-term goals. Corey emphasizes a disciplined process that begins with understanding the unique needs and priorities of each client. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and the Personal Investment Advisor (PIA) designation. Corey earned a Bachelor's Degree from Saint Joseph's College. His client focus areas include college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management services, socially responsible investing, tax minimization, and retirement income. In addition to his professional role, Corey is active in his community. He is a board member of South Shore Arts and Hospice of the Calumet area, a committee member for Meals on Wheels of Northwest Indiana, and a member of various organizations including Business Network International, Northwest Indiana Forum, Duneland Chamber of Commerce, and the Chicagoland Chamber of Commerce Emerging Leaders program. Corey lives in Chesterton, Indiana, with his wife and three daughters. His personal interests include golfing, singing, and spending time with his family.

Philip Farese Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 16 years of industry experience. Prior to his current role since 2016, he worked at Wells Fargo Advisors LLC from 2009 to 2016. In addition to his financial advisory work, he maintains an active law practice and provides general business advice for his spouse’s medical practice. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, utilizing an IPS-driven approach grounded in modern portfolio theory. The firm provides both discretionary and non-discretionary services and includes insurance-related products and bank deposit sweep options in its investment offerings.

Alfredo Ruiz is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining LPL Financial in 2018, he spent 20 years with SII Investments, Inc. and has been involved with Oak Partners Inc. since 1993. He is also a regular guest financial columnist for The Times Media Group and serves as a for-profit board member at Horizon Bank Corp. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios and research from multiple sources.

Michael Barancyk is a financial advisor with LPL Financial, holding a Series 66 credential and 24 years of industry experience. Prior to joining LPL Financial in 2018, he worked at SII Investments, Inc. for 16 years. Outside of his advisory role, he is a co-owner of Oak Partners LLC, a real estate rental business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, employing both discretionary and non-discretionary management supported by internal and third-party research.

Jonathan Tominac is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Wells Fargo Clearing, he worked at Schillings and has been affiliated with Indiana University since 2021. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

John Tellers is a financial advisor at Stifel with one year of industry experience. He holds the Series 66 designation and previously worked at Compass Group in various roles from 2015 to 2022. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis and allocation guidance developed by its Investment Strategy Group, using forward-looking market assumptions and probabilistic modeling.

Jonathan Peller is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at firms including Cetera Advisor Networks, Carson Group Partners, and Bank of America. Outside of his advisory role, he self-published a motivational and personal development book titled *Attract Your Potential* in 2021, which is available on Amazon. 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, pension plans, corporations, and charitable organizations.

Jonathan Zemaitis is a financial advisor at LPL Financial with two years of industry experience. He holds the Series 66 designation and has worked with firms including Oak Partners Inc. and Vincere Wealth Management. His background also includes roles outside of finance, such as involvement with Butler Bulldog Club and teaching positions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities 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 supported by research and various investment strategies.

Alicia Higgins is a financial advisor with Ameriprise, holding a Series 66 designation and 16 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she is involved with Edwin Group LLC, where she manages an advisory business. Ameriprise is a large institutional firm that offers retirement-income planning services aimed at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations, primarily delivered through a centralized retirement-income consulting team.

Tom Lozanoski is a CFP® professional with 42 years of experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, he is involved in operating a self-service laundromat business through Loads of Fun, LLC. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm offers a range of advisory, brokerage, and insurance solutions, utilizing a centralized consulting team that combines research, modeling, and tax-efficiency analysis to deliver personalized retirement recommendations.

Robert Rockwell is a financial advisor at Edward Jones with Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2022, he worked in healthcare roles including at Majestic Care Saint Anthony's and Community Healthcare. He has served in the Indiana Army National Guard since 2009. Outside of advising, Rockwell is involved in a self-employed house rental business. 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.

Jason Stahl is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including Cetera Advisors LLC, Investors Capital Corp., Raymond James Financial, and Fifth Third Securities. In addition to his advisory role, Stahl is involved in real estate, working as a real estate agent and mortgage services professional. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, 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, with access to model portfolios, research, and alternative strategies.

Stephanie De La Cruz is a Series 66 licensed financial advisor at Raymond James Financial with 18 years of industry experience. She has worked within various branches of Raymond James since 2008. Outside of her advisory role, she is an associate and secretary at O'Neill Family Wealth Management Inc., where she assists clients with documentation, requests, and branch operations. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports advisory programs and institutional consulting across a large advisor network.

Chris Kurtis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He previously worked at Securities America Advisors and Securities America, Inc. for 16 years. Outside of advising, he is also active as a musician. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and corporations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Christopher Janota is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2019 and also operates Envoy Wealth Management LLC. Janota serves on the boards of the Park Forest Historical Society and Act of Grace, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing various portfolio management strategies and platform arrangements.

Douglas Buuck is a financial advisor with Ameriprise in Crown Point, Indiana, holding a Series 63 designation and 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 1993. Outside of his advisory role, he is involved in several business activities including ownership interests in a real estate holding company and an operating company for a group of advisors. Ameriprise provides retirement-income planning services for individuals approaching or in retirement, focusing on clients with substantial investable assets. The firm combines research and modeling with personalized recommendations, offering a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Ean Johnston Drake is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His background includes roles at Indiana University, Oak Partners, Inc., and Sand Creek Country Club. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Ramie Halloway is a financial advisor at Cetera with 17 years of industry experience. He holds Series 65 and Series 63 licenses and has worked with Avantax Advisory Services and Strategize Wealth Management Group. Outside of advisory roles, he is involved in tax preparation through Strategize Tax LLC and has experience in insurance sales. Cetera Investment Advisers LLC serves a wide range of clients, including individual investors, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.