Randy Golembeck is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021. His prior experience includes positions at Harvard State Bank and Midwestern Securities Trading Co. LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporating ESG criteria and leveraging derivatives and commodities capabilities.

Megan Pawlowski is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and having nine years of industry experience. Her prior work includes roles at NYLIFE Securities LLC, New York Life Insurance Company, and Christopher Financial Group LLC. Outside of advisory work, she serves as a board member for the National Association of Insurance and Financial Advisors and officiates high school basketball and volleyball games. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets through a network of more than 10,000 advisors.

Michael Nulicek is a CFP® and holds a Series 66 license with 12 years of industry experience. He has been with Edward Jones since 2013, working out of Downers Grove, IL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Ludwig is a financial advisor with Cetera who holds the CFP® and PFS™ designations and has 13 years of industry experience. He has operated Ludwig Wealth Management since 2013 and is involved in accounting and tax preparation through Ludwig & Associates, Ltd. He also serves as successor trustee for his family trust and works as a health insurance agent. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with model portfolios, third-party managers, and customized strategies across various program structures.

Randy Domingue is a financial advisor with J.P. Morgan Securities in Bloomingdale, IL, holding Series 63 and Series 66 designations and 14 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research and includes capabilities in derivatives and commodities.

Karina Munji is a financial advisor at Cetera with 10 years of industry experience and holds a Series 66 designation. She has been with various Cetera entities since 2015 and previously worked at Vijay Thakkar and Associates Ltd. Outside of finance, she works as a freelance audio transcriber for multiple companies. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Benjamin Miller is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2024. Prior to joining Raymond James, he was with UBS Financial Services Inc for 15 years. He is an officer involved in neighborhood management for The Preserve at Long Grove. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, offering non-discretionary financial planning and investment consulting supported by proprietary research and a range of portfolio management styles.

Patrick O'Connor is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. He has been with Wells Fargo Advisors since 2011. Outside of his work at Wells Fargo, he co-owns Armada Financial Partners Ltd with his spouse. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services that include retirement, education, risk, and wealth-transfer planning, with specialized services requiring specific advisor credentials.

Bradley Kuehn is a financial advisor with Thrivent Investment Management in Wheaton, IL. He holds Series 63 and Series 65 designations and has 15 years of industry experience. His prior work includes roles at Northern Trust and Pride Technology. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing written recommendations on a range of financial topics without portfolio management or implementation of advice. The firm uses holistic, goal-based analyses and allows clients to combine planning with managed-account services under a consolidated billing system called WealthPlan.

Nirdesh Patel is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. for 22 years. Outside of his advisory role, he is involved as an agent with Dynasty Retirement and Financial Services, focusing on fixed annuities and non-variable insurance. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment process with portfolio optimization tools and offers a range of brokerage and advisory services through a multi-advisor platform.

Lesley Torres is a financial advisor at Charles Schwab with two years of industry experience and holds a Series 66 designation. Her work history includes roles at Charles Schwab Bank, SSB, Charles Schwab & Co Inc., Magnit, Paylocity, and Edgars Landscaping 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 a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by strategic asset allocation and a formal alternative investment process.

Peter Povinelli is a CFP® and ChFC® with 34 years of industry experience. He is currently with OSAIC and previously spent 18 years at Woodbury Financial Services. In addition to his advisory work, he owns a sole proprietorship focused on the sale of fixed insurance products and serves as a trustee managing a family trust. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach centered on model-based asset allocation and portfolio optimization.

Michael O’Reilly is a financial advisor with J.P. Morgan Securities in Wheaton, IL, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2018, he worked at Anselmo Lindberg and Associates and briefly at Rosati's Pizza. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory program.

Robert Stackhouse is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has previously worked at Eastern Point Advisors Inc., Investors Capital Corp., and currently maintains a separate investment consulting and advising business, RPS Financial, which he owns and operates. He has been affiliated with Cetera and its affiliates since 2016. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with access to both affiliated and third-party investment managers and various program structures.

Richard Augustine Sr. is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. He previously worked at SagePoint Financial, Lincoln Financial Advisors, and Austin Bancorp. Outside of his advisory role, he serves as president of R.J. Augustine & Associates, a firm providing tax, accounting, and strategic business services, and is treasurer of the Founders Club Homeowners Association. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supported by various investment strategies and third-party manager programs.

Michael Procaccio II is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and eight years of industry experience. He has worked at Cetera and related entities since 2018 and is also involved in operating several Jimmy John's franchise businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, with over 10,000 advisors and approximately $256 billion in assets under management.

Vinay Bajaj is a financial advisor with Ameriprise in Lisle, IL, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2016. Outside of advisory work, Bajaj is involved in several real estate ventures as a part owner or member of multiple LLCs. Ameriprise is an institutional firm that offers a retirement-income planning service aimed at individuals with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports delivered through a centralized consulting team in partnership with its financial advisors.

Saroshah Jones is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and six years of industry experience. Jones has worked at Northwestern Mutual and JPMorgan Chase Bank before joining J.P. Morgan Securities. Outside of finance, Jones is involved in interior design and home remodeling through Boxwood Home Design and Cabinetry. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program framework.

Geoffrey Coons is a financial advisor at LPL Financial with Series 63 and Series 65 licenses and five years of industry experience. He has been associated with LPL Financial since 2018 and also works with The Accounting Place and Planned Financial Independence Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Michael Barwacz is currently a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity since 2019, serving previously as a Planning Consultant from 2021 to 2024 and as a Relationship Manager from 2019 to 2021. Prior to joining Fidelity, Michael worked as a Premium Investment Consultant for Merrill Edge between 2017 and 2019. Michael brings over 40 years of experience in the financial industry. His background includes a decade as Director of Retail Trading at TD Ameritrade from 2007 to 2017 and over two decades as a Market Maker at the Chicago Board Options Exchange from 1984 to 2007. This extensive experience supports his focus on building comprehensive financial plans tailored to individual goals. Outside of his professional work, Michael enjoys activities such as cooking and baking, family engagements, fitness, football, music, and photography.