Mary Schaub is a CFP® with 31 years of industry experience, currently affiliated with OSAIC. She has been with Royal Alliance since 2012 and has operated a self-employed tax preparation business since 1999. In addition to her advisory work, she holds a license for fixed insurance products but is not actively selling. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, utilizing various tools and third-party programs to construct and manage portfolios across a wide range of asset classes.

Robert Bullard is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. His prior roles include positions at David A. Noyes and Wells Fargo Clearing Services LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm provides tailored planning across various specialized areas and integrates advisory services with other financial products and referral channels.

Patrick Morrison is a financial advisor at LPL Financial with 22 years of industry experience. He has been with LPL Financial since 2009 and holds a Series 66 designation. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and various portfolio management options.

Jacquelyn Andrews is a financial advisor with Morgan Stanley in Orland Park, IL, holding a Series 66 designation and six years of industry experience. She has been with Morgan Stanley since 2019 and has concurrently worked at Wrights Furniture Warehouse since 2004. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through employer-sponsored financial planning agreements.

Thomas Olszta is a CFP® credentialed financial advisor with Edward Jones, based in Downers Grove, IL, and has 18 years of industry experience. He has been with Edward Jones since 2007. Outside of advisory services, he is the sole member and manager of a commercial real estate business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Peter Rhee is a financial advisor with Cetera, holding Series 63, 65, and 66 designations and 24 years of industry experience. He has worked at Cetera and its affiliated firms since 2015. Outside of advising, he operates a retail sales business and offers consulting services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides a multi-manager platform with diverse portfolio management options and reported over $256 billion in assets under management across more than 10,000 advisors.

Guergana Karaalanova is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds the Series 66 designation and has been with JPMorgan Securities LLC and JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis and combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Timothy Gauen is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wayne Hummer Investments L.L.C. for seven years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research, and technology-driven investment approaches.

Christopher Barnes is a financial advisor at Edward Jones with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at BlackRock, Northern Trust Bank, and Neuberger Berman LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts, and operates under a fiduciary standard.

Mayra Escalante is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering its program on a non-discretionary basis.

Sydney Rainey Gay is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 66 and Series 63 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2021. Prior to this, she worked in healthcare and retail sectors, including roles at Siloam Home & Wound Care Physicians Inc and Nordstrom. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Kevin Allingham is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. His prior work history includes roles at Ameriprise and Crystal Dynamics. 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 and profit-sharing plans, corporations, and charitable organizations.

Wendell Woods is a financial advisor with J.P. Morgan Securities in Chicago, IL, holding a Series 66 designation and 24 years of industry experience. He has worked with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2004. Outside of his advisory role, he is involved in educational ventures focused on tutoring and mentoring students in subjects such as Math, Economics, Accounting, and Finance through entities he owns and operates. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Tracie Dubois is the Vice President and Branch Leader at Fidelity Investments, a position she has held since 2014. She has been with Fidelity for over 20 years, progressing through various roles including Assistant Branch Manager, Senior Account Executive, Financial Planning Consultant, Investments Representative, and Financial Representative II. Throughout her career at Fidelity, Tracie has gained extensive experience in financial planning and investment management. She is dedicated to serving clients and supporting the professional growth of her associates, which she identifies as key motivations in her leadership role. Tracie's long tenure at Fidelity reflects her commitment to the firm and its clients. Specific details regarding her education and personal interests were not provided.

Jacob Olinger is a financial advisor at Cetera with a Series 66 designation and two years of industry experience. He has worked at several firms including Avantax and Polar Road, and is involved with Strategize Tax Service, LLC and Strategize Wealth Management Group Inc., where he assists with administrative and client support tasks related to tax and financial planning services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Charles Wiegand is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2023, Wiegand worked at Chicago Event Management for four years and had a brief tenure at DePaul University. Outside of his advisory role, he serves as an election judge in Cook County, Illinois. 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, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

Michael Moran is a financial advisor at Morgan Stanley with 33 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. He holds Series 63 and Series 65 licenses and is based in Orland Park, Illinois. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Bryan Farrell is a financial advisor at Edward Jones in Chicago, IL, with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Andrea Pagliaro is a financial advisor at Morgan Stanley in Orland Park, IL, holding a Series 66 designation with 18 years of industry experience. He has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured discovery conversations and advanced modeling tools, managing approximately $2.74 trillion in client assets.

William Soltis is a financial advisor with Wells Fargo Advisors in Mokena, IL, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has worked at Wells Fargo Advisors and related entities since 2009. Outside of his advisory role, he plays bass guitar as a hobby. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning areas and integrates advisory services with various financial products and referral channels.