Heather Chron Bernard is a financial advisor with Edward Jones in Arlington Heights, IL, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones, she worked at Engage2Learn and spent over two decades with Chicago Public Schools. She serves as a community member on the Edison Park Local School Council, participating in principal evaluations and school budget decisions. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm is notable for its extensive network of advisors and branches, as well as its affiliated capabilities beyond advisory services.

Glenn Arnold is a financial advisor with Morgan Stanley in Lake Forest, IL, holding Series 63 and Series 65 licenses and having 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers financial planning that utilizes established investment and risk modeling techniques without providing individual security recommendations as part of standalone plans.

Giuseppe Longo is a Planning Consultant at Fidelity Investments, a position he has held since 2026. In his role, he guides clients through complex financial situations, leveraging his experience to simplify challenges and provide clarity. Giuseppe collaborates with various partners across Fidelity to offer comprehensive wealth management solutions. Giuseppe has been with Fidelity Investments since 2021, serving in several roles including Relationship Manager, Senior Transition Service Representative, and Transition Services Representative. Prior to joining Fidelity, he worked as a Senior Customer Support Representative at Morningstar from 2018 to 2020. Outside of his professional work, Giuseppe has personal interests that include cars, fitness, horseback riding, music, photography, and singing.

Clifton Mc Whorter is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has previously worked at Grove Point Advisors, LLC, Grove Point Investments, LLC, and Aetna Life Insurance Co., among others. He is also involved with CHM Financial Services, a non-variable insurance business. 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 and financial planning services, utilizing both discretionary and non-discretionary management and leveraging research from multiple sources to support diversified investment approaches.

Derek Brase is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities since 2012, with prior experience at JPMorgan Chase Bank, NA dating back to 2004. 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 delivers advisory services alongside brokerage and investment management capabilities, operating on a non-discretionary basis with a centralized due-diligence framework.

Spencer Decker is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2025, he worked at Wintrust Investments LLC and Morningstar Investment Management, among other firms. 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 provides a range of advisory programs, financial planning, and retirement consulting, employing discretionary and non-discretionary management supported by research from LPL and third-party sources.

Jayden Lekarczyk is a financial advisor at Merrill with a Series 66 designation and approximately one year of industry experience. Prior to joining Merrill, Lekarczyk held roles at Bank of America, LPL Enterprise LLC, and other organizations. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies suitable for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Karol Szuster is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2022, he worked at Edward Jones from 2019 to 2022. Outside of his advisory role, he is an owner and partner of GeoOptics, a technology company that collects weather pattern data, though he holds no active role in the business. 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 recommendations on a non-discretionary basis while clients maintain final decision-making authority.

Vickey Ippolito is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Fidelity, she worked with GoPay LLC and has a background that includes various roles in the hospitality industry. Outside of finance, she serves on the board of a nonprofit acting school and is active as an actress with the Milwaukee Talent Network. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm’s investment process combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering solutions such as discretionary portfolio management and fund advisory services.

Denison Webster is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he is involved with Hill Island Florida Corp in Delray Beach, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and supported by firm-approved analytical tools and methodologies.

Adam Schoenwald is a CFP® with 20 years of industry experience. He has worked at Charles Schwab since 2022 and previously spent 10 years at J.P. Morgan Securities. Outside of his advisory work, he performs as a musician in musical acts on weekends. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Joseph Ligaya is a Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been engaged in various roles within Fidelity, including Investment Consultant and Relationship Manager, both in 2014. Prior to joining Fidelity, Joseph worked as a Wealth Management Banker at Bank of America Merrill Lynch from 2008 to 2012. Joseph focuses on placing clients at the center of the wealth planning process to understand their priorities and important aspects of their lives. He partners with clients to utilize Fidelity's resources, aiming to empower them in making informed financial decisions for their families. He holds a California Insurance License.

Jack Balkey is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1976 and joined the current team in 2023. Jack holds the Professional Investment Advisor (PIA) designation. He earned both his Bachelor of Science in Finance and his Master of Business Administration from the University of Illinois. With decades of experience, Jack has focused on serving clients and maintaining long-term relationships, supporting multiple generations of clients.

Kimberly Ambrogio 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 various J.P. Morgan entities since 2012. Outside of her advisory role, she serves as a Midwest Ambassador for SAK Saum, a nonprofit supporting at-risk and trafficked individuals by promoting and selling their handmade products. 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 through a team of Wealth Advisors.

Michael Prosen is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, having worked at J.P. Morgan Chase since 2007. Outside of his advisory role, he is a rental property owner. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Michelle Milliken is a financial advisor with LPL Financial in Arlington Heights, IL, holding the CFP® designation and several securities licenses, with 11 years of industry experience. She previously worked at Securities America, Inc. and Securities America Advisors from 2014 to 2019. Milliken is also a notary public for Cook County, IL. 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, including discretionary and non-discretionary management, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Joshua Bailey is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. His prior roles include positions at JPMorgan Chase Bank, Presidio Investors, and PricewaterhouseCoopers, as well as involvement with the Baylor Angel Network. 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. The firm incorporates an ESG eligibility framework in its recommendations and offers access to a broad range of investment products through its affiliation with J.P. Morgan’s broader financial organization.

Charles Rahn is a financial advisor with Morgan Stanley in Deerfield, IL, holding a Series 66 designation and 16 years of industry experience. His prior experience includes roles at Fifth Third Securities and Fifth Third from 2010 to 2022. He serves as a board member of a homeowners association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Allen Weingarten is affiliated with Cetera and holds Series 63 and Series 65 licenses, with 26 years of industry experience. He has worked at notable firms including Kutchins, Robbin, Diamond, Ltd., and RHR Wealth Management, LLC, and has an extensive background in accounting as a CPA at multiple firms. In addition to his advisory roles, he is actively engaged in accounting and tax services through his CPA practice. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, retirement plan, charitable, and institutional clients. The firm provides a range of portfolio management and consulting services through a multi-manager platform, supporting various investment strategies and custodial arrangements.

David Perrine is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill since the beginning of his career in 1986. Dave works closely with high-net-worth families, business executives, and business owners to define priorities and pursue their short-range and long-range financial goals. His tailored strategies focus on client objectives, time horizons, liquidity needs, and risk tolerance, with an emphasis on asset allocation and diversification. Dave holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and the Personal Investment Advisor (PIA) designation. He earned a Bachelor's degree in Finance from Illinois State University in 1986. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, philanthropic planning, portfolio management services, tax minimization, and managing new wealth. He lives in Lake Barrington with his wife Meredith, their son Eric, and their two dogs, Sparkle and Stella. Dave enjoys biking, music, photography, reading, watching movies, and spending time with his family. He also participates in community volunteer activities in line with Merrill's tradition of community involvement.