Carlos Zepeda is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and nine years of industry experience. His career includes six years at Bank of America/Merrill Edge and four years with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. 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. The firm offers non-discretionary advice through a select group of Wealth Advisors.

George Christopoulos is a financial advisor with LPL Financial in Arlington Heights, IL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with LPL Financial since 1999. Outside of his advisory role, he processes non-variable insurance through outside companies and agencies. LPL Financial is an 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 with both discretionary and non-discretionary management, utilizing proprietary and third-party research and model portfolios.

Daniel Savas is a CFP®-certified financial advisor with Raymond James Financial, based in South Barrington, IL, and has 25 years of industry experience. He has been with Raymond James Financial since 2009 and with Raymond James Financial Services, Inc. since 2004. Outside of his advisory role, he is a co-owner of Savas Sweet Spoonfuls LLC, a frozen yogurt franchise operated by his spouse. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored strategies through fact-finding, risk profiling, and a range of implementation options.

Kara Hwang is a financial advisor with Primerica Advisors in Arlington Heights, IL, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. Her career includes roles at PFS Investments Inc., Pax Global Inc., and Primerica Financial Services, where she has been active since 1997. Outside of advisory services, she is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm employs a tiered wrap-fee structure and curates third-party asset managers, delegating trading and overlay functions to BNY Mellon Advisors.

Christopher Folmar is a financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017. Prior to joining Edward Jones, he worked briefly at LSC Communications. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients and manages approximately $1.01 trillion in assets. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Athena Robbins is a CFP® and PFS™ credentialed financial advisor with 27 years of industry experience. She is currently with Cetera and has worked previously at Avantax Investment Services, Inc. and 1st Global Advisors, Inc. She is also involved with Carmines, Robbins & Company, Plc, where she assists with reviewing tax returns. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a multi-manager investment platform with a range of discretionary and non-discretionary portfolio management options.

Marta Soltys is a financial advisor at Merrill with 12 years of experience, holding a Series 66 designation. She has been with Merrill since 2014. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries under the Bank’s client agreements.

James Alagna is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with various Cetera entities since 2014. Outside of his advisory work, he serves as secretary for a homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm operates a multi-manager platform with extensive program options and services over 800,000 clients through a network of more than 10,000 advisors.

Edward Spiegel is a financial advisor at Morgan Stanley in Barrington, Illinois, with 33 years of industry experience. He has been with Morgan Stanley since 2010 and has worked at Morgan Stanley Private Bank, N.A. since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques in its financial planning process.

Michael Germain is a financial advisor at Fidelity with 29 years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at Scura Paley Securities, MS Howells & Co, and O'shares. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves a range of clients including registered investment companies and an IRS-qualified Charitable Gift Fund.

Vicki Nielsen is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Her work history includes roles at Voya Financial Advisors and Integrity Financial Professionals, where she is also president and owner. Nielsen is an alumni member of Leadership Greater McHenry County and participates in local community activities such as the McHenry County Task Force on Aging and serving as a volleyball scorekeeper at Alden-Hebron High & Middle School. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a wide range of portfolio management and financial planning services, supported by a network of over 10,000 advisors and managing over $256 billion in assets.

Michael Rymsza is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Sophia Cajiao is a financial advisor at Merrill with two years of industry experience. She holds a Series 66 designation and has worked at Bank of America N.A. and Merrill since 2023. Outside of her advisory role, she works part-time as event staff at Andy Frain Services, assisting with seating and ticketing at arenas and theaters. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Teresa Ferrer is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2012, with prior experience at JPMorgan Chase Bank, N.A. dating back to 2004. 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 to guide its recommendations.

Luis Albarran Isidoro is a financial advisor at Fidelity with a Series 66 designation and three years of experience at the firm. His prior roles include positions at PricewaterhouseCoopers LLP, Aldi Inc, Shipt Corporation, and Target. He also worked in education at the University of Illinois Chicago and Bartlett High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base, including charitable funds and registered investment companies, and utilizes systematic methodologies and oversight controls in its investment approach.

Robert Miller is a financial advisor with Cambridge Investment Research Advisors in Arlington Heights, IL, holding a Series 66 designation and 25 years of industry experience. He has been with Cambridge since 2008 and also serves as president of Miller & Associates, an accounting firm he founded in 1982. Additionally, Miller is a senior lecturer at Northwestern University School of Continuing Studies, a position he has held since 1973. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, with a variety of portfolio management approaches and platform options.

Joseph Johnson III is a CFP® with 22 years of industry experience, currently affiliated with Cetera since 2025. He has held positions at Avantax and Strategize Wealth Management Group Inc and is involved in tax preparation and financial consulting through Martin Johnson Tax & Financial Services, Inc. He also serves on the board of directors for the Kiwanis of Crystal Lake, a local charitable organization. Cetera Investment Advisers LLC is an SEC-registered advisor that supports a large network of independent advisors, offering financial planning, portfolio management, and retirement services to a diverse client base ranging from individuals to institutional accounts. The firm provides access to a variety of investment strategies, including third-party managers and customized solutions, operating across multiple platforms and custodial relationships.

Claire Kent is a financial advisor at Ameriprise with 17 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2007. Outside of advising, she is also a notary. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with a structured recommendation process and tax-aware strategies.

Stacey Stickle is a Series 66 licensed financial advisor with Edward Jones, based in Wauconda, IL, and has 16 years of industry experience. She has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of investment advisory programs and affiliated financial services. The firm manages approximately $1.01 trillion in assets with a large national network of advisors and branch offices.

Scott James is an Investment Management Consultant II at Fidelity Investments. He has been with Fidelity since 2021, progressing through roles as a Financial Representative, Investment Consultant, and currently as a Planning Consultant. In his current role, Scott partners with clients to understand their unique financial goals, build financial plans, identify investment strategies, and maintain open communication. Scott's experience at Fidelity Investments encompasses financial representation, investment consulting, and financial planning. He focuses on developing tailored financial solutions for clients and fostering strong client relationships. Outside of his professional responsibilities, Scott enjoys cooking and baking, participating in family activities, embarking on outdoor adventures, spending time with pets, and traveling.