Jennifer Flood is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 1999. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Kenneth Peterson is a financial advisor with Cetera in Downers Grove, IL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Cetera and its related entities since 1999 and is the owner of a CPA service as well as a board member of a local bank. His other business activities include serving as treasurer and stockholder of a computer consulting company and receiving referral commissions on health insurance. Cetera Investment Advisers LLC is an SEC-registered firm that provides a broad range of advisory services to individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Susan Moser is a financial advisor with LPL Financial in Downers Grove, IL, holding Series 65 and Series 66 licenses and having 22 years of industry experience. Her prior roles include positions at Herbst Financial Services and Herbst Financial Advisors, Inc. In addition to her advisory work, she provides federal and state income tax preparation as a CPA through her own tax services business. 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 financial planning and investment management services, including access to model portfolios and institutional platforms, supported by advisor-facing technology and a broad array of non-advisory financial services.

Sharon Kracke is a financial advisor with Merrill in Lisle, Illinois, holding Series 63 and Series 66 licenses and 28 years of industry experience. She has been with Merrill since 1998. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional entities.

J Terence Gallagher is a CFP®-designated financial advisor with 39 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and its related entities since 1987 and holds roles at both Cornerstone Advisers, LLC and 1st Advantage Financial Advisers, LLC. Gallagher serves on the Board of Advisors for Catholic Charities of Chicago. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, offering portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporations, and charitable clients. The firm operates a multi-manager platform with a range of investment program options and oversees more than $256 billion in assets across approximately 10,000 advisors and 800,000 clients.

Patrick Jarzembowski Jr. is a financial advisor with LPL Financial in Frankfort, Illinois, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Prior to joining LPL Financial in 2019, he worked at J.P. Morgan Securities for seven years and Chase Investment Services Corporation for two years. He maintains a private business entity for tax and investment purposes unrelated to his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services delivered through a large network of investment adviser representatives, offering customizable investment strategies and access to both in-house and third-party resources.

Patrick Sullivan is a financial advisor with Mass Mutual Investors Services in Lisle, IL, holding a Series 63 designation and over 43 years of industry experience. He has worked with Mass Mutual Investors Services since 1984 and has been associated with MassMutual Life Insurance Company since 1973. Outside of his advisory role, he is also active as a broker in health insurance through S.P. Services, Inc. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, emphasizing collaborative, goal-based planning supported by firm-approved analytical tools.

Ravi Lakhani is a financial advisor with Equitable Advisors in Oak Brook, IL, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 2008. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a range of advisory models implemented through third-party managers and focuses on matching clients to appropriate investment solutions without sponsoring its own wrap fee program.

Gonzalo Villasenor is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2018. Outside of his advisory role, he is involved as a musician, performing at various events including private gatherings and local venues. 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 and qualitative research supported by centralized due diligence and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Wendy Smith-Fleming is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with clients and their families to develop and implement personalized wealth strategies aimed at growth, preservation, and transfer of wealth. She provides ongoing monitoring and updates to these plans while emphasizing service grounded in experience, integrity, trust, and compassion. Her career at Fidelity Investments spans over three decades, beginning in 1991 as a Customer Service Representative. She advanced through multiple roles including Senior Customer Service Representative, Investments Representative, Relationship Manager, Senior Relationship Manager in the Private Client Group, and currently serves as a Wealth Management Planning Consultant since 2018. Prior to joining Fidelity, she held various positions at Mesirow Financial, Inc. from 1987 to 1990 and Midwest Securities Trust Company from 1985 to 1987.

Louis Sanfilippo is a financial advisor with Mass Mutual Investors Services, holding Series 66 and Series 63 licenses and bringing 16 years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2018, following six years at The Financial Resource Network. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships using firm-approved software to analyze client goals.

Mary Anderson is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. Anderson holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide array of advisory programs and financial planning services utilizing structured discovery processes and firm-approved tools.

Kevin Frank is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked for sixteen years at Valley Honda and had a brief tenure at Advantage Acura of Naperville. He is based in Naperville, IL. 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 strategies, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Jackson Glisson is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Paychex, Inc., Arrive Logistics, and United Healthcare. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory models.

Jose Grajeda is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His prior work includes over two decades at William Blair & Company L.L.C. before joining J.P. Morgan Securities in 2017. 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 integrates quantitative and qualitative research with a focus on eligible strategies and may include an ESG eligibility framework.

Paul Hoyem is a financial advisor with Thrivent Investment Management, holding a Series 66 credential and bringing 25 years of industry experience. He has been with Thrivent Financial Bank and its affiliated entities since 2002. Outside of his advisory role, he serves as a board member of the Detroit Island Landowners Association, where he participates in the maintenance and management of local docks and roads. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary portfolio management. The firm offers both one-time and ongoing planning engagements, integrating planning with managed-account services under a consolidated billing option called “WealthPlan.”

Scott Gongorek is a financial advisor at Ameriprise with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise Financial Services since 2016, following prior roles at Wells Fargo Clearing and Mesirow Financial. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that offers retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Mary Schaub is a CFP® with over 31 years of experience in the financial services industry. She currently works at Osaic and has been affiliated with Royal Alliance since 2012. In addition to her advisory role, she has operated a self-employed tax preparation business since 1999 and holds a license for fixed insurance, although she is not actively selling. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization with multiple strategies available through a complex affiliate network.

Robert Bullard is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. His prior roles include positions at David A. Noyes and Wells Fargo Clearing Services LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm provides tailored planning across various specialized areas and integrates advisory services with other financial products and referral channels.

Carl Anderson is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he supports clients with investments, planning, and education. He works as part of a wealth management team that emphasizes listening to clients, customization of financial strategies, and conservative wealth management to preserve wealth and provide clarity and education. Carl's expertise includes college education planning, retirement income, legacy planning, portfolio management, and tax minimization among other areas. He holds professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to joining Merrill Lynch in 2019, Carl worked as a CPA at PwC in Chicago. He earned his bachelor's degree from Illinois Wesleyan University. Outside of work, Carl enjoys fishing, running, and spending time with his family. He resides in Wheaton with his wife and two daughters.