Cynthia Vavrik 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 Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a board member and treasurer for the nonprofit organization Something For Kelly, which focuses on children and youth. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

William Hawrylak is a financial advisor at Merrill in La Grange, IL, holding a Series 66 credential. His professional background includes roles at Bank of America, Merrill, Northwestern Mutual, and Green Street Growth, with additional experience in education and recreational 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Anely Ustupski is a financial advisor at J.P. Morgan Securities with 7 years of industry experience. She holds Series 63 and Series 66 credentials and has held roles at JPMorgan Chase Bank, N.A. and PLS Financial Services. Outside of advising, she is a co-owner and partner of a real estate LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice and manager searches through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Daniel McCarthy is a CFP® with 40 years of industry experience, currently affiliated with OSAIC. He has worked with Securities America Advisors and operated his own advisory and CPA practices since the mid-1990s. In addition to advising, he is involved in tax preparation and holds a life insurance agent license. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services. The firm employs asset-allocation tools and third-party manager platforms to construct tailored portfolios across a range of asset classes.

David Smith is a financial advisor with Morgan Stanley in Orland Park, IL, holding Series 63 and Series 65 licenses and with 42 years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at UBS Financial Services for 17 years. Outside of advisory work, he is involved in managing real estate partnerships. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process.

Mathew Puthenveetil is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Wells Fargo, he worked in dental care and held various positions at institutions including Benedictine University and the University of South Florida. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers a broad range of brokerage and advisory solutions supported by extensive research and analytics.

Howard Holmes is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and possessing 21 years of industry experience. He has been with J.P. Morgan Securities since 2019 and concurrently works at Jpmorgan Chase Bank, N.A. since 2003. Holmes is also a partial owner of J & J LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment approach.

James Ferguson II is a financial advisor with Morgan Stanley in Orland Park, IL, holding a Series 66 designation and one year of industry experience. His background includes roles at Morgan Stanley Private Bank, The University of Alabama, NXT Capital, and Gibsons Restaurant Group. Outside of finance, he has experience connected to the hospitality industry through these positions. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, employing structured financial planning tools and firm-approved processes. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Andrew Mau is a CFP®-certified financial advisor with 14 years of industry experience. He is currently with Cambridge Investment Research Advisors and has previously worked at Voya Financial Advisors and Lionheart Financial LTD. Mau serves as a board member of a networking group and operates multiple independent business entities including insurance and financial planning firms. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning, investment management, and retirement advisory services through a network of independent professionals, employing multiple investment approaches and platform arrangements tailored to client objectives.

Derrick Span is a financial advisor at Primerica Advisors with two years of industry experience. He holds Series 65 and Series 63 licenses and has worked with Primerica Financial Services and PFS Investments Inc. in various capacities. Outside of advisory work, he is a partner in an investment-related business and engages in referrals for home security and automation products. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports trade execution through BNY Mellon Advisors and Pershing.

Richard Krooswyk is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 22 years of industry experience. He worked at Waddell & Reed, Inc. and various insurance carriers from 2003 to 2021 before joining LPL Financial in 2021. He has additional experience in non-variable insurance related activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Matthew Lantz is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and previously worked for Blackrock Investments, Inc. for 19 years before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Trevor Heide is a financial advisor with RBC Capital Markets in Palos Heights, IL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at City National Bank, BMO Investment Distributors, Cedar Capital, and Foreside Fund Services. Outside of his advisory work, he serves on the board of directors for his condominium HOA and is a junior board member of PAWS Chicago, a nonprofit animal shelter. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers with various program structures and investment options.

Daniel Lewis is a financial advisor at Cetera with 10 years of industry experience. He holds the Series 66 designation and has worked with Cetera and its affiliated entities since 2016. Lewis also has experience with First Merchants Investment Services LLC dating back to 2014. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, model portfolios, third-party managers, and customized strategies.

Michael Kimmey is a financial advisor with Equitable Advisors in Orland Park, IL, holding a Series 66 designation and 22 years of industry experience. He has been with Equitable Advisors since 2003 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he is president and owner of Michael Kimmey and Associates Inc., providing bookkeeping and accounting services, and he also prepares taxes through his firm. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and provides both advisory and brokerage/insurance channels to implement client recommendations.

Kyle Spayth is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their individual goals, emphasizing transparency and straightforward communication in managing complex financial topics. Kyle focuses on building thoughtful, personal plans rather than using templates, aiming to support clients' current needs and long-term visions. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Kyle holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). Kyle earned a Bachelor's Degree from Purdue University System. In his personal time, he enjoys adventure sports, boating, camping, cooking, gardening, music, reading, spending time with his family, traveling, and yoga.

Luke Larocca is a CFP® with 25 years of experience in the financial services industry. He is currently affiliated with Cetera and has a long history with Avantax Advisory Services and Avantax Insurance Agency, among other firms. In addition to his advisory work, he owns and operates Larocca & Company, LTD, a tax preparation and accounting business, and serves as trustee for the Ash Family Irrevocable Trust. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors utilizing multiple program platforms and investment strategies.

Jeannie Starks is a financial advisor with Edward Jones in Matteson, IL, holding a Series 66 designation and 7 years of industry experience. She has been with Edward Jones since 1997. 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, with approximately $1.01 trillion in assets under management supported by a large national network of advisors and branch offices.

Sondra Barrett is a financial advisor at Edward Jones with one year of industry experience. She holds the Series 66 designation and has previously worked at Northwestern Mutual and several real estate firms. Outside of her advisory role, she is the owner of Sondra Luxury Real Estate Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs and access to separately managed accounts. The firm manages approximately $1.01 trillion in assets and operates a large national network of advisors and branch offices.

Amy Farber is a Financial Consultant currently working at Fidelity Investments since 2019. In her role, she focuses on building professional relationships with clients to provide exceptional experiences during every interaction. Prior to joining Fidelity Investments, Amy held the position of Assistant Vice President and Premium Elite Relationship Manager at Bank of America Merrill from 2016 to 2019. She began her career at Charles Schwab, serving as an Associate Financial Consultant from 2015 to 2016 and as a Derivatives Trade Specialist from 2012 to 2015. Outside of her professional work, Amy engages in various personal interests including fitness, hiking, playing musical instruments, skiing, theater, and traveling.