Adrian Fernandez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He previously worked at BMO Bank and TCF Bank before joining Merrill in 2023. Outside of his advisory role, he is the owner and officer of F-Fulfillment LLC, a business involved in retail and online arbitrage. 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.

Curtis Magurean is a financial advisor at LPL Financial with 16 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with firms including BMO Harris Bank, Northwestern Mutual, and SII Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with a focus on integrating both advisory and financial activities at scale.

Henry Redd is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior roles include positions at Morgan Stanley Wealth Management and Morgan Stanley Private Bank, and he is also employed by Intuit Inc while teaching at Aurora University. In addition to his advisory work, he operates HR Associates, a business providing tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by extensive research and technology tools.

Ricardo Martinez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 designations. In addition to his advisory role, he serves as a Communications Specialist and Operations Planner in the United States Marine Corps. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, providing non-discretionary advice focused on asset allocation, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and combines quantitative and qualitative research to develop model asset allocations.

Paula Sheffield is a financial advisor with LPL Financial in Downers Grove, IL, holding Series 63 and Series 65 licenses and 14 years of industry experience. Her prior roles include positions at Cetera, Fifth Third Bank, and JP Morgan Securities LLC. Outside of her advisory work, she is involved with Partnerland LLC, a business entity focused on tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services using both proprietary and third-party strategies, supported by technology tools for advisors.

David Charnot is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. He has worked at firms including Merrill, Avantax, and Bank of America. Outside of his advisory role, he prepares tax returns through his business, Strategize Tax LLC. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, and institutional accounts, offering varied portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Matt Lewis is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked with Primerica Advisors since 2013 and previously served with the Chicago Police Department for 18 years. Outside of advising, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Andrew Umbach is a financial advisor with Cetera, holding CFP® and ChFC® designations and over 21 years of industry experience. He has been with Cetera and its affiliated entities since 2014, including roles at First Allied Advisory Services and First Allied Securities. Outside his advisory work, he is involved as an independent contractor in Social Security analyses and other financial-related activities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Ilhan Yargi is a financial advisor with Charles Schwab in Orland Park, IL, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Citigroup, LPL Financial, and BMO Harris Financial Advisors. Charles Schwab serves a large client base, primarily 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research and due diligence on alternative investments.

Grant Noble is a financial advisor at RBC Capital Markets with a Series 66 designation. He joined RBC in 2026 and previously worked at Guaranteed Rate for six years. RBC Wealth Management serves individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment needs.

Uriel Gonzalez is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. His background includes roles at J.P. Morgan Securities, Bank of America, and Merrill. Prior to his financial career, he served in the Army for multiple years. Merrill, along 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.

Michael Mc Intyre is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and four years of industry experience. His work history includes roles at Cetera Advisors LLC and Megent Financial. Outside of his advisory duties, he is involved with Delaware North Sportservice as a portable vendor. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary program options.

Kenneth Demarco is a financial advisor at Cetera with 33 years of industry experience. He holds the Series 63 and Series 65 credentials and has previously worked with Avantax Insurance Agency, Avantax Investment Services, Invesco Advisers, and Van Kampen Advisors. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors.

Peter Pashos Jr. is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise Financial Services, Inc. and Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by a large network of investment adviser representatives.

Carrie French is a Series 66 licensed financial advisor with J.P. Morgan Securities in Hinsdale, IL, bringing 25 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also holds a role with JPMorgan Chase Bank, N.A. since 2007, following a brief tenure at Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, with capabilities that include broader derivatives and commodities services.

Anna Higgins is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 32 years of industry experience. Her prior work includes long tenures at Wintrust Bank, N.A., Painewebber Inc., and Howe Barnes Investments, Inc. Outside of her advisory role, she is involved with Sessions, a home-based outside employment activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Ane Mari Pintilie is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. Her work history includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA prior to joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services focusing on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process incorporates centralized due diligence and combines quantitative and qualitative research to develop model asset allocations.

Stephen Smith is a financial advisor with UBS Financial Services in Hinsdale, IL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with UBS since 1993. Outside of his advisory role, he is the proprietor of Sadie George LLC, a real estate venture in Mountain Village, Colorado. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm utilizes proprietary research and model-based strategies to tailor financial plans to client goals and risk tolerances.

Teresa Rivera is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Her background includes roles at Bartolini's Restaurant & Catering, Tupperware, and various insurance carriers, alongside six years with Waddell & Reed Inc. She manages a business entity focused on tax and investment matters outside her advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants through a large network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, integrating advanced tools for operational support.

Elizabeth Piloni is a financial advisor with J.P. Morgan Securities in Naperville, IL, holding Series 63 and Series 66 credentials and 11 years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary advisory program that focuses on asset allocation advice, investment manager searches, and customized performance reporting. The firm integrates centralized due diligence combining quantitative and qualitative research and may incorporate ESG criteria in their recommendations.