James Pontious is a financial advisor at Fidelity with 37 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. His prior work includes eight years at TIAA and TIAA-CREF. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and serves as an advisor to multiple registered investment companies.

Charles Massey is a Financial Consultant currently working at Fidelity Investments, a position he has held since 2015. Prior to this role, he accumulated experience at several financial institutions, including serving as a Financial Consultant at E*Trade Financial from 2011 to 2015, a Financial Advisor at JP Morgan Chase from 2010 to 2011, a Branch Manager at JP Morgan Chase from 2007 to 2010, and an Investment Representative at Edward Jones Investments from 2003 to 2004. He has years of experience counseling high net worth investors on retirement planning and investment decisions. Charles focuses on understanding his clients' priorities to build and implement customized financial plans tailored to their individual situations. Outside of his professional work, Charles has interests in comedy, concerts, cooking and baking, traveling, writing, and yoga.

Robert Smith is a CFP® and holds a Series 66 license, with seven years of industry experience. He has worked at Edward Jones since 2018 and was previously with Meadowhawk Capital, LLC from 2009 to 2018. 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 and offers a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Amanda Kreutzer is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2019. Outside of financial services, she is the owner of Heart Centered Guidance LLC, a business focused on spirituality offering services such as spirit readings, workshops, and gemstone sales. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and other institutional clients, emphasizing non-discretionary, written asset allocation advice and customized performance reporting. The firm combines quantitative and qualitative research supported by centralized due diligence to develop model asset allocations and integrates ESG considerations into its recommendations.

Brennan Miller III is a CFP® and holds a Series 66 license with 20 years of experience in the financial services industry. He has been with Charles Schwab & Co., Inc. since 2008, following two years at Ameriprise. Miller is based in Schaumburg, Illinois. Charles Schwab & Co., Inc. serves 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, delivering investment guidance via multi-asset model portfolios and centralized operational and custody services.

Josh Brown is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with Charles Schwab since 1997, including roles at Charles Schwab Bank and TD Ameritrade Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 both non-discretionary and discretionary investment management using multi-asset model portfolios and has a distinctive operational structure that combines advisory services with custody and brokerage functions.

Jeffrey Rosencrans is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He has over three decades of experience working with individuals and families to create, grow, and preserve their wealth. Jeff focuses on providing customized strategies within disciplined investment frameworks, including tax-efficient asset allocation, diversification, and tactical rebalancing. He also assists clients with ongoing tax minimization and wealth transfer strategies. Jeff holds the CERTIFIED FINANCIAL PLANNER (CFP) certification, the Chartered Retirement Planning Counselor (CRPC) designation, and the Personal Investment Advisor (PIA) credential. He earned both his bachelor's and master's degrees from Illinois State University. Throughout his career, Jeff has been recognized for his dedication and was recently included on the Forbes "Best-in-State Wealth Advisors" list for the fourth consecutive year. Outside of his professional role, Jeff enjoys biking, billiards, boating, hiking, music, reading, traveling, watching movies, and spending time with his wife and three sons. He is involved with the Abbey Yacht Club and contributes to Children's Oncology Services, Inc. Jeff resides in Inverness, Illinois.

Jennifer Ebert is a financial advisor with Morgan Stanley in Barrington, IL, holding a Series 66 designation and having four years of industry experience. Prior to joining Morgan Stanley in 2022, she worked in various roles including positions at Primrose School of Algonquin and with private family clients. Outside of her advisory role, she is involved in a photography business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 supported by firm-approved tools and modeling techniques.

Ralph Watson is a financial advisor with Cetera and holds Series 63, Series 65, and Series 66 credentials. He has 13 years of industry experience, including roles at Avantax Investment Services and Raymond James Financial Services. Watson is also a managing partner of Woodford Financial PLLC, a CPA firm providing accounting, tax planning, and financial planning services. Cetera Investment Advisers LLC serves a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting both discretionary and non-discretionary account structures.

George Reichl Jr. is a financial advisor with Morgan Stanley in Barrington, IL, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. He has been affiliated with Morgan Stanley and its related entities since 2007. Outside of his advisory role, he is an investor in the automotive and transportation business Tint World. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Robert Christman is a financial advisor at Edward Jones in Palatine, IL, holding a Series 66 designation with 13 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm operates under a fiduciary standard and is notable for its extensive national network of advisors and branch offices.

Paolina Dimitrova is a Planning Consultant at Fidelity Investments, a role she has held since 2026. Prior to this position, she served as a Relationship Manager at the same firm from 2025 to 2026 and as a Financial Representative from 2023 to 2025. Throughout her tenure at Fidelity Investments, Paolina has developed expertise in client financial planning and relationship management. She approaches the planning process with care, structure, and attention to detail, focusing on aligning closely with her clients' goals to provide a thoughtful and seamless experience. Outside of her professional work, Paolina enjoys activities such as beach outings, fitness, hiking, Pilates, traveling, and exploring culinary interests.

Cheryl Kranz is a financial advisor at Edward Jones in Crystal Lake, IL, with 12 years of industry experience. She holds Series 63 and Series 65 licenses 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 manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Anna Wright is a financial advisor at Cetera with 10 years of industry experience. She holds a Series 66 designation and has previously worked at Ameriprise Financial Services and Avantax Advisory Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Melanie Mousheh is a Financial Consultant at Fidelity Investments, serving in this role since 2024. She has been with Fidelity Investments since 2021, progressing through positions including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Melanie worked as an Associate Representative at Thrivent Financial from 2020 to 2021 and as a Member Experience Representative at Consumers Credit Union from 2018 to 2020. Melanie focuses on developing individualized financial plans, emphasizing client-specific circumstances to create strategies aimed at achieving financial freedom and peace of mind. She prioritizes maintaining open communication and nurturing ongoing relationships to support clients throughout their financial journeys. She holds an Arkansas Insurance License.

Geoffrey Wharton is a financial advisor at Ameriprise with 41 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliated entities since 2010. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendation reports through a centralized consulting team.

Terence Foster is a CFA® charterholder and Series 63 licensee with 18 years of industry experience. He currently works at Robert Baird & Co. in Elgin, IL, where he has been since 2019. Prior to Baird, he held positions at Wells Fargo Clearing and Cambridge Investment Research Advisors. Foster serves as a finance committee member at Harvest Bible Chapel. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which provides financial planning, portfolio management, and consulting services to individuals, corporate clients, pensions, and charitable organizations. The firm employs a variety of managed account strategies and research tools, including artificial intelligence, and offers municipal advisory services alongside its advisory offerings.

Adam Vietmeier is a financial advisor with J.P. Morgan Securities in Elgin, Illinois, holding Series 63 and Series 66 designations and 17 years of industry experience. He has worked with JPMorgan entities since 2014, serving in various capacities within the firm over that period. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research, including ESG considerations, supported by centralized due diligence and implemented with affiliate resources.

Deanna Klokkenga is a financial advisor with Wells Fargo Advisors in South Barrington, IL, holding a Series 66 designation and 24 years of industry experience. She has worked at Wells Fargo Advisors since 2017, following 14 years at Merrill. 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 planning menu and integrates advisory services with other financial products through a network of financial advisors.

Deanna Schoewe is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and four years of industry experience. She previously worked at BMO Investment Services and BMO Harris Bank, totaling over 16 years in related roles. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.