Joel Heffington is a financial advisor at Ameriprise with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers a retirement-income planning service targeting individuals with at least $1 million in investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary retirement recommendations through a centralized consulting team.

Ryan Cole is a financial advisor at Fidelity with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Merrill, Citigroup Global Markets, Dawson James Asset Management, and SSN Advisory. He has been with Fidelity and its affiliated entities since 2016. Fidelity’s Strategic Advisers LLC serves a wide range of clients, including retail and institutional investors, offering discretionary and non-discretionary advisory services, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and it maintains regulatory registrations and governance procedures uncommon among large institutional peers.

Vijay Bajaj is a financial advisor with Ameriprise in Lisle, IL, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is a part owner of V & V Partners LLC, a real estate company involved in office space leasing. Ameriprise provides retirement-income planning services targeting individuals near or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations and offers a broad range of advisory, brokerage, and insurance solutions.

David Young is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at both Merrill and Bank of America, N.A. since 1991 and 2011, respectively. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Alena Gifford is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at LPL Financial, Redwing Financial, and St. Charles CPA. Her background also includes roles outside finance, such as working with Mayneland Farmstand and The Lighthouse Institute. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering tailored financial planning and advisory services supported by a nationwide network of advisors.

Daniel Galovich is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 credentials. He has five years of industry experience, including roles at JPMorgan Chase Bank, N.A. Prior to his current position, he worked in various industries such as fitness and retail. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Ryan Philo is a financial advisor at Edward Jones in Naperville, IL, holding CFP® and ChFC® designations with 26 years of industry experience. He has been with Edward Jones since 2003. Outside of his advisory role, he is a managing member of an LLC involved in commercial rental property. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Joseph Nicholson is a financial advisor at Mass Mutual Investors Services with 38 years of industry experience. He has held roles at Metlife Securities and Massmutual Life Insurance Co before joining his current firm. His credentials include Series 63 and Series 65 licenses. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software and a collaborative, annual planning process.

Stephanie Soto is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 registrations. She has two years of industry experience, including prior roles at JPMorgan Chase Bank, N.A., and Realty Of Chicago. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Zachary Lee is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2016, including a tenure at JPMorgan Chase Bank, N.A. starting in 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations, delivering services on a non-discretionary basis.

Todd Graham is a financial advisor at LPL Financial with 39 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at firms including Woodbury Financial Services, Mass Mutual Investors Services, and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he owns 5 Star Learning Ranch Inc., a non-investment-related business. 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, third-party asset management, and institutional platforms.

Kathleen Morrissy is a financial advisor at Ameriprise with a Series 66 credential and nine years of industry experience. Her prior work includes roles at Waddell & Reed, various insurance carriers, and involvement with tax preparation businesses where she serves as the owner. Outside of advising, she operates a tax preparation service, Kathy Morrissy (Tax Prep), and assists with tax return preparation at Tom Morrissy (Tax Prep). Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes comprehensive written recommendations and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Basit Adhami is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various divisions within JPMorgan Chase since 2015. 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 and applying an ESG eligibility framework in its investment recommendations.

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.

Kyle Fox is a Vice President and Financial Consultant at Fidelity Investments. In this role, he works with clients to develop financial plans, identify strategies to enhance those plans, and maintain communication with clients and their families to support their investment and financial objectives. Kyle has been with Fidelity Investments since 2013, holding various positions including Financial Representative, Relationship Manager, Investments Consultant, and Financial Consultant before his current role as Vice President, Financial Consultant which he began in 2022.

Benjamin Johnson is a CFP®-credentialed financial advisor with 22 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan broker-dealer and banking organization and offers a range of services on a non-discretionary basis.

Robert Tardio is a financial advisor with OSAIC and holds the Series 66 designation. He has 15 years of industry experience, including roles at SagePoint Financial and OSAIC. In addition to advising, he is also licensed as an insurance agent, providing life, accident, health, property, and casualty insurance. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charities, offering integrated brokerage and advisory services alongside multiple advisory platforms. The firm employs various asset-allocation tools and third-party solutions to manage portfolios that may include a broad array of investment products.

Edmond Leeney is a financial advisor with Wells Fargo Advisors who holds Series 63 and Series 65 licenses and has 40 years of industry experience. He has worked with Wells Fargo Advisors Financial Network since 2010 and previously spent over a decade at Morgan Stanley and its affiliates. Outside of his advisory role, he is the treasurer for DeKalb County Taxpayers Against the Casino, Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services using proprietary research and planning tools, with an emphasis on tailored recommendations and a variety of specialized planning areas.

Amber Knopf is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Her prior experience includes multiple roles at Waddell & Reed, Inc. and insurance sales through various carriers associated with W&R Insurance Agencies. 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, third-party asset management, and institutional platforms.