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, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. 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 searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage and investment management capabilities.

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 financial advisor at Raymond James & Associates with 30 years of industry experience. He holds a CFP® designation along with Series 63 and Series 65 licenses. Prior to joining Raymond James in 2024, Miller worked for UBS Financial Services Inc for 15 years. Outside of his advisory role, he serves as an officer involved in general neighborhood management for The Preserve at Long Grove. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets with over 5,400 financial advisors. The firm offers wealth advisory planning and investment consulting for a diverse client base that includes individuals, institutions, pension plans, and governmental entities, providing non-discretionary planning and a range of firm-sponsored programs and institutional consulting services.

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 with OSAIC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked for Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. for 22 years before joining OSAIC in 2018. Patel is also an agent for Dynasty Retirement and Financial Services, where he is involved in the sales and marketing of fixed annuities and non-variable insurance products. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various asset-allocation tools and third-party solutions to construct portfolios that include a range of securities and alternative investments, with accounts managed on discretionary or non-discretionary bases.

Lesley Torres is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2022. Prior to this, she held positions at Magnit, Paylocity, and Edgars Landscaping Inc. 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 and employs a multi-asset model portfolio approach supported by centralized custody and supervisory functions.

Peter Povinelli is a CFP® and ChFC® with 34 years of industry experience. He joined OSAIC in 2024 after 18 years at Woodbury Financial Services. He is also a licensed insurance agent and serves as a trustee of a family trust, managing trust assets and tax filings. OSAIC serves a wide range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm uses comprehensive asset-allocation tools and supports various account management options and legacy platform transitions.

Michael O'Reilly is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2018. Prior to that, he was employed at Rosati's Pizza and Anselmo Lindberg and Associates. 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 delivers advisory services alongside affiliated brokerage and investment management capabilities.

Robert Stackhouse is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has worked with firms including Investors Capital Corporation and RPS Financial, where he is also the owner and registered representative. Stackhouse has been associated with Cetera in various capacities since 2016. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, utilizing multiple program structures and third-party managers.

Richard Augustine Sr. is a financial advisor with OSAIC based in Schaumburg, IL, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior roles include positions at SagePoint Financial, Lincoln Financial Advisors, and Austin Bancorp. In addition to his advisory work, he serves as president of R.J. Augustine & Associates, Ltd., a corporation offering tax, accounting, and strategic business planning services, and he is the treasurer of the Founders Club Homeowners Association. OSAIC serves a diverse client base that includes individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and risk-assessment methods to manage portfolios across various asset classes on discretionary and non-discretionary bases.

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 multiple firms, including Pro Financial Services Group, Inc. and The Procaccio Corporation, and is involved in managing Jimmy John’s franchise operations. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large nationwide network of independent advisors.

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 in Wheaton, Illinois, holding Series 63 and Series 66 licenses and possessing six years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2025, Jones worked at Northwestern Mutual in various roles from 2022 to 2025. Outside of finance, Jones is involved in interior design and home remodeling through employment with Boxwood Home Design and Cabinetry. 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’s advisory services are delivered on a non-discretionary basis by a select group of Wealth Advisors.

Geoffrey Coons is a financial advisor with LPL Financial in Warrenville, IL, holding Series 65 and Series 63 designations and five years of industry experience. His prior work includes roles at Numark Credit Union and The Accounting Place, and he has maintained involvement with the Planned Financial Independence Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs and financial planning services, supported by research and model portfolios, and provides both discretionary and non-discretionary management options.

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.

Benjamin Gottlieb is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Schaumburg, Illinois. He specializes in working with businesses on retirement, benefit, executive, and equity compensation program needs, supporting companies and individuals in developing retirement programs specific to their plan design. As part of a team, he follows a methodical process to review current plans and look for opportunities to improve technology, reporting, fees, and risk management to help companies fulfill their fiduciary responsibilities. Ben began his career in the financial services industry in 2008. He is a member of the Institutional Advisory Council (IACTM) at Merrill, which includes retirement and institutional designated advisors who provide input to firm management. Ben holds several professional designations, including Certified 401(k) Professional (CkP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated from the Robert H. Smith School of Business at the University of Maryland and completed the UCLA Anderson School of Management Executive Education Program in 2018. Ben lives in the Northwest Suburbs of Illinois with his wife, Kristen, and their three children, Charlotte, Jack, and Taylor. In his free time, he enjoys football, golf, hockey, activities that help animals, and spending time with his family. He is involved with community organizations such as the Humane Society, Love for Liam, and the Make-A-Wish Foundation.

Sofiya Semanyshyn is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Her prior roles include positions at Vermillion Financial Advisors and Le Colonial, as well as academic experience at the University of Illinois Urbana-Champaign. 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.