Thomas Royce is a CFP®-certified financial advisor with 31 years of industry experience. He has worked at Ameriprise since 2020 and previously spent 14 years at LPL Financial. He is also the president of Voyage Financial Group, LLC. Ameriprise provides a retirement-income planning service targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports through a centralized consulting team.

Laura Niemeier is a financial advisor at Edward Jones in Naperville, IL, holding Series 63 and Series 65 licenses with three years of industry experience. Prior to her current role, she worked at Edward Jones and spent nine years with Indian Prairie School District 204. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a large nationwide network of advisors and branches.

Hussam Zayyad is a financial advisor with Mass Mutual Investors Services in Lisle, Illinois, holding the CFP® designation and Series 63 and 65 licenses, with 19 years of industry experience. He previously worked at Morgan Stanley & Co. LLC and Metlife Securities, Inc. In addition to his advisory role, he is an independent insurance agent and works as a mortgage broker. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative annual planning engagements using firm-approved analytical tools.

Diane Cassens is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. She has been with Merrill since 2006 and concurrently affiliated with Bank of America, NA since 2009. 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. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jacob Hernandez is a financial advisor at Edward Jones in Wheaton, IL, holding Series 63 and Series 66 licenses with nine years of industry experience. His prior roles include positions at LPL Financial, CUNA Mutual Group, BMO Harris Financial Advisors, Bank of America, Merrill Lynch, and JPMorgan Securities. Edward Jones is a wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Amanda Daluga is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and seven years of industry experience. She has worked with several firms, including Cetera Financial Specialists LLC and OneAmerica Securities. Outside of her advisory role, she is involved in tax preparation and accounting services as an enrolled 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 range of portfolio management and financial planning services through a multi-manager platform incorporating both affiliated and third-party managers.

Senka Barney is a financial advisor at Raymond James Financial with 30 years of industry experience. She has previously worked at UBS Financial Services and Merrill Lynch. Barney also serves as Vice President of Mountain Street Advisors, LLC, where she is involved in business operations and administration. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional entities. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Martina Beckford is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds the Series 66 designation and has worked previously at Raymond James & Associates, Noyes Advisors LLC, and David A. Noyes & Company. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Olson is a financial advisor with LPL Financial in Naperville, IL, holding a Series 66 designation and nine years of industry experience. He previously worked at BMO Harris Financial Advisors and BMO Harris Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving 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, supporting over 22,800 advisors and $819 billion in discretionary assets.

Angella Jost is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2011. Outside of finance, she is a certified yoga instructor and has been involved with Yoga by Degrees since 2020. 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 searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Michael Hatch is a financial advisor at Edward Jones with 14 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors.

Chad Carson is a financial advisor with LPL Financial in Naperville, IL, holding Series 63 and Series 66 licenses and having seven years of industry experience. He has worked at LPL Financial since 2021 and previously held roles at BMO Bank NA and BMO Harris Bank. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, with a range of investment strategies supported by technology but driven by advisor judgment.

Brian Magnan is a CFP® with 34 years of experience in the financial services industry. He is currently with Wells Fargo Advisors and has previously worked at Wells Fargo Clearing and Prudential Equity Group, LLC. Magnan is based in Naperville, IL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and fee-based financial planning services, including specialized planning for business owners, special needs, and divorce, using proprietary research and planning tools.

Joshua Ruland is a Series 66-licensed financial advisor at Edward Jones with five years of industry experience. Prior to joining Edward Jones in 2021, he worked for Minooka CCSD 201 from 2016 to 2021. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Malini Murali is a financial advisor with J.P. Morgan Securities in Naperville, IL, holding Series 63 and Series 66 licenses and five years of industry experience. Prior to joining J.P. Morgan Securities in 2021, she worked at Oxford Bank and Trust from 2019 to 2021 and spent seven years with Naperville School District 203 in roles associated with Sodexo and Aramark. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research with forward-looking capital market assumptions to support its advisory process and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

John Pethokoukis is a financial advisor at Stifel with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2019. Prior to that, he was with Morgan Stanley Private Bank, National Association from 2015 to 2019. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary methodology for investment analysis and allocation, supporting client decisions with forward-looking capital market assumptions and probabilistic modeling.

Eric Crane is a CFP® and Series 66-registered advisor at Edward Jones with eight years of industry experience. He has worked at Edward Jones since 2018 and previously held roles at Thermo Fisher Scientific, ECC Insurance Brokers, and Brown & Brown Insurance. Outside of his advisory work, he is a member of Lighthouse Investments, LLC, a real estate business based in Savannah, TN. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Bryan Schneider is a financial advisor with LPL Financial in Downers Grove, IL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services Corporation, and Banc One Securities Corporation. 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, model portfolios, and institutional platforms, with an emphasis on various investment strategies implemented by its network of advisors.

Lauren Zick is a financial advisor with Merrill and holds a Series 66 designation. She has seven years of industry experience and has worked at Bank of America, N.A. since 2019. Prior to that, she held roles at Circulation, Inc. and Smart Vision Labs, Inc. Lauren also has experience related to St. John's University and Tanglewood Kennels, LLC. 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 investors.

Eric Milano is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 63 and Series 65 licenses and previously worked at JPMorgan Chase Bank, JPMorgan Securities, and Northern Trust. Outside of his financial career, he was involved with Armands Pizza and Pasta for over a decade. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.