Kenneth Velu is a Financial Advisor at Merrill Lynch Wealth Management, where he works closely with clients to develop tailored financial strategies that align with their short-, mid-, and long-term goals. His role involves serving as a resource for a range of financial needs, including investing, retirement planning, and unexpected savings, while also facilitating access to specialists in banking, credit, home financing, and small business solutions. With expertise as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), Kenneth collaborates one-on-one with clients to define their objectives and craft portfolio strategies aimed at achieving them. He provides ongoing advice and adjusts financial plans as clients' situations evolve. Kenneth holds a Bachelor's degree from the University of Iowa.

Elizabeth Edwards is a financial advisor at Merrill with 19 years of industry experience. She has held her current position since 2011. Edwards holds a Series 66 designation and is based in Northbrook, IL. 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.

Nathan Cassel is a financial advisor with Merrill who holds the Series 66 designation and has eight years of industry experience. His work history includes roles at Bank of America, N.A. since 2017 and DVSport from 2015 to 2017. 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 plans, corporations, and charitable organizations.

Josip Soldo is a financial advisor at Merrill with 22 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2002 and Bank of America since 2009. Outside of his advisory work, he is involved in managing several family-owned rental property LLCs. 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 a range of individual and institutional clients.

Miguel Hernandez is a CFP® professional with 22 years of industry experience currently serving at J.P. Morgan Securities in Deerfield, Illinois. He has been with J.P. Morgan Securities since 2012 and also works with JPMorgan Chase Bank, N.A. since 2004. Outside of his advisory role, he is president of The Chamness Legacy Recycle Program, a nonprofit focused on bike repair and distribution. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers its services through a select group of Wealth Advisors on a non-discretionary basis.

Russell Warye is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with firms including Global Retirement Partners LLC and HUB International alongside his tenure at LPL Financial since 2013. His career also includes operating his own business, Russell Warye, Inc., for over two decades. 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 offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Steven Greene is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in delivering comprehensive wealth management and estate planning services. He focuses on helping clients achieve financial security through personalized strategies tailored to their unique goals and aspirations, with expertise in areas such as corporate benefits, executive compensation, equity compensation services, personal retirement planning, and retirement income. Steven holds a Bachelor's Degree from Amherst College and Master's Degrees from both Yale University and Indiana University Kelley School of Business. He is also a Personal Investment Advisor (PIA). His professional experience is complemented by active participation in several organizations, including serving as President of the Northbrook Symphony Orchestra and as a board member for both the Highland Park Chamber of Commerce and Ravinia Festival Associates. In addition to his financial advisory work, Steven is engaged in community involvement through volunteering and fundraising activities with cultural institutions. He enjoys music, reading, and spending time with his family.

John Birkhauser is a financial advisor at RBC Capital Markets with 47 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Merrill for over four decades and Bank of America for 12 years before joining RBC in 2021. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by RBC’s capital-markets capabilities.

Richard Pecard is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market outcome modeling.

Charles Coe is a financial advisor at Cetera with over 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with multiple Cetera entities since 2020, as well as First Allied Advisory Services from 2012 to 2020. Outside of his advisory role, Coe is an author and speaker involved in education and teaching, and he hosts a podcast focused on life topics. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform encompassing discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, providing a range of customizable investment strategies and program structures.

Douglas Ponczek is a financial advisor with UBS Financial Services in Northbrook, IL, holding a Series 66 designation and 15 years of industry experience. He has worked at UBS Financial Services since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances.

Tristan Peterson is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, and Charles Schwab Bank prior to his current role. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Stacey Swarbrick is a financial advisor with Morgan Stanley in Deerfield, IL, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. She has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. She is involved in a trust-related business activity based in Chicago. 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 uses structured planning tools and offers a broad range of retail and institutional investment options.

Benjamin Shirley is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He has extensive experience in the financial services industry, having worked as a Financial Advisor at Stifel from 2018 to 2022, an Advisor Consultant at Neuberger Berman from 2015 to 2017, in Municipal Bond Sales at Oppenheimer & Co. from 2010 to 2014, and in Municipal Bond Trading and Portfolio Management at Nuveen from 2004 to 2009. Benjamin focuses on wealth planning and financial strategy, leveraging his experience managing market changes and utilizing the resources available at Fidelity to develop comprehensive financial plans for his clients. His career reflects a consistent dedication to client-centered service and financial planning. Outside of his professional work, Benjamin enjoys family activities, golf, tennis, traveling, and volunteering.

Jennifer Tomasino is a financial advisor at UBS Financial Services with nine years of industry experience. She has previously worked at State Street Global Advisors Trust Company and its affiliated entities. Tomasino holds the Series 63 and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored financial plans through its network of advisors.

Julie Grace is a financial advisor with Wells Fargo Advisors in Deerfield, IL, holding a Series 66 designation and 24 years of industry experience. She has worked within various Wells Fargo entities since 2010, including Wells Fargo Clearing and Wells Fargo Advisors. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, including cash-flow, retirement, and wealth-transfer planning, using proprietary research and tools to develop tailored recommendations.

Steven Cueto is a Financial Consultant at Fidelity Investments, where he currently works to build long-term relationships with clients by partnering with them to achieve their financial goals. He emphasizes planning, dependability, and collaboration to create customized planning and investment strategies tailored to each client's desired lifestyle and legacy. Steven's professional experience includes roles as a Financial Consultant and Investment Consultant at Fidelity Investments in 2023, as well as serving as a Wealth Advisor at IDEX Financial Group from 2018 to 2023. This background provides him with a foundation in investment consulting and wealth advisory services. Outside of his professional work, Steven has personal interests that include cars, concerts, football, golf, parenthood, and pets.

Pamela Cain is a financial advisor with Morgan Stanley in Deerfield, IL, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has been with Morgan Stanley for 10 years since 2016. 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 and tailored financial planning, employing structured planning tools and various analytic methods to support client outcomes.

Nicholas Needs is a financial advisor at UBS Financial Services with four years of industry experience. He has held prior roles at Ameriprise Financial Services, Merrill, and the University of Illinois Foundation among others. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Brett Gerber is a financial advisor with LPL Financial in Glencoe, IL, holding Series 66 and Series 63 credentials and bringing 10 years of industry experience. He has worked previously at J.P. Morgan Securities, Jpmorgan Chase Bank, Bankers Life Securities, and Country Capital Management Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory and brokerage services, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and use of advanced technologies like machine learning.