Kencie Zmich is a Certified Financial Planner® (CFP®) with 13 years of industry experience, currently serving as an advisor at Edward Jones since 2012. She participates on the advisory board for the Finance Department at Western Illinois University, attending semi-annual meetings to provide input on the finance curriculum and labor market trends. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and maintaining a large national network of advisors and branch offices.

Karen White is a financial advisor with Cetera in Schaumburg, IL, holding Series 63 and Series 66 registrations and possessing 16 years of industry experience. Her prior work includes roles at First Allied Securities LLC and LPL Financial, LLC. She is also a partner in a family business distributing health products through Shaklee.Com/Teamknopp LLC. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a wide range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Artiz Stroud is a financial advisor at Cetera with 14 years of industry experience and holds Series 63 and Series 66 registrations. His background includes a long tenure at Fidelity Investments and roles at multiple Cetera entities. Outside of his advisory work, Stroud is engaged as a professional life coach and co-owns Shepherd Effect, an organization focused on fatherhood and family education. He also operates businesses providing estate planning preparation coaching, budget coaching, and tax preparation services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management programs, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets through more than 10,000 advisors.

Timothy Kamin is a financial advisor with LPL Financial based in St. Charles, IL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes 25 years with Waddell & Reed, Inc. and various insurance carriers before joining LPL Financial in 2021. In addition to his advisory role, he is involved with DataAnnotation, a non-investment related home-based business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Curtis Whitehouse is a financial advisor with Wells Fargo Clearing in Cary, IL, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Christine Messerschmidt is a financial advisor at Thrivent Investment Management with 15 years of industry experience. She holds a Series 66 designation and has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2010. Messerschmidt serves on the board of the We Raise Foundation, which partners with Christian nonprofits focused on education, workforce development, and criminal justice. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based planning covering topics such as retirement, taxes, and estate planning, without discretionary trading authority, and allows clients to combine planning with managed accounts under a consolidated billing option.

Paul Maurin is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Royal Alliance Associates, Inc. since 2015. In addition to his advisory role, Maurin is involved in accounting and tax services through his ownership of Accountants & Financial Planning Associates and holds leadership positions in several business entities related to general accounting and insurance. OSAIC serves a wide range of retail and institutional clients, including high-net-worth individuals and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing firm-provided tools and multiple investment platforms to construct diversified portfolios tailored to client needs.

Denise Bondiman is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various roles 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Krista Simons Gliva is a financial advisor with Primerica Advisors in Lake Zurich, IL, holding Series 63 and Series 65 licenses and having 14 years of industry experience. She has worked at PFS Investments Inc. since 2012 and has also been affiliated with Primerica Financial Services and Ross Barney Architects since 2011. Beyond her advisory role, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides 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 for its services.

Heather Torseth is a financial advisor with LPL Financial based in Cary, IL, holding a Series 66 designation and six years of industry experience. Her prior work history includes roles at Citigroup, Securities America, and BMO Harris Financial Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives, offering a range of advisory programs, retirement plan consulting, and brokerage services.

Keith Pinsoneault is a CFA® charterholder with 12 years of industry experience. He is currently an advisor at Edward Jones in Barrington, IL, where he has worked since 2026. Prior to joining Edward Jones, he spent three years at Janus Henderson and 15 years at REINHART PARTNERS, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth and non-high-net-worth households, pension plans, corporations, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and branch offices, offering a range of advisory strategies and affiliated investment products.

Aaron Haack is a financial advisor with LPL Financial in Schaumburg, IL, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase from 2009 to 2025. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, employing both discretionary and non-discretionary management along with model portfolios and research from internal and third-party sources.

Juan Gaytan is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 credentials and six years of industry experience. His prior work includes roles at Edward Jones, JPMorgan Chase Bank, N.A., and Oportun. Outside of his advisory work, he is a co-owner of Gaytan Enterprise LLC, an inactive entity originally formed for operating a beauty salon. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers these services on a non-discretionary basis alongside affiliated brokerage and investment management capabilities.

Adam Cabrera is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2009. 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 and investment management capabilities, delivering services on a non-discretionary basis.

Subhash Katial is a financial advisor at OSAIC with 49 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. His prior work includes long-term roles at International Insurance Agency Group, Inc and Financial Service Corporation. Katial is also an officer and insurance agent at International Insurance Agency Group, Inc, where he is involved in health insurance. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, corporations, and charitable organizations through a broad network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing various tools and third-party solutions to construct and manage portfolios across asset classes.

Fernando Rufino is a financial advisor with Fidelity, holding a Series 66 designation and beginning his advisory career in 2024. Prior to joining Fidelity, he worked in various roles including at Walgreen Health Solutions and Princess House Inc. Outside of finance, he assists with administrative duties for his father's home remodeling business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios across multiple asset classes.

Richard Wulforst is currently serving as Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2026. In this role, he partners with clients to understand their individual financial situations and goals, leveraging over 30 years of experience in financial services to develop personalized plans. His professional background includes leadership and consulting roles at Fidelity Investments since 2019, as well as executive positions at Charles Schwab Inc from 2003 to 2019. Prior to that, he held financial consultant roles at Lifetime Wealth Principles and Prudential Securities, starting his career in 1994. Outside of his professional work, Richard engages in activities such as golf, hiking, music, outdoor adventures, social events with friends, and volunteering.

Michelle Starkey is a Planning Consultant at Fidelity Investments, where she collaborates with clients and Fidelity's Financial Consultants to develop customized financial plans aimed at helping clients achieve their financial goals and dreams. She has held various roles at Fidelity Investments since 2019, progressing from Financial Representative to Relationship Manager before assuming her current position in 2022. Her professional experience spans several years within Fidelity Investments, where she has gained expertise in financial planning and client relationship management. Michelle's approach focuses on partnership and tailored strategies to meet individual client needs. Outside of her professional work, Michelle enjoys cooking and baking, participating in family activities, and values parenthood. She also has interests in caring for pets, practicing Pilates, and traveling.

Eun Shim is a financial advisor with Ameriprise in Schaumburg, IL, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliates since 1994. Outside of her advisory role, she is involved in commercial real estate ownership. Ameriprise Financial Services is a large firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides ongoing tax-aware retirement planning and income strategies.

Thomas Josten is a financial advisor with Cetera, holding a Series 66 credential and two years of industry experience. He has been associated with Cetera and its related entities since 2023 and operates his own securities-related business, Josten Financial. Additionally, he is involved in the sale of fixed insurance products as an insurance agent. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services across multiple program structures and custodians.