Carol Badstebner is a CFP® professional with 34 years of industry experience, currently serving as an advisor at LPL Financial since 2010. She is based in St. Louis, MO, and holds a Series 63 license. Her other business activities include acting in a fiduciary capacity for the Koen D Badstebner trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers diverse investment programs and leverages technology and a broad network of advisors to support client account management.

Jonathan Pate is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has previously worked at UBS and Edward Jones. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models in its financial planning process.

Walter McClellan is a financial advisor at Cetera with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliates since 2002. Outside of his advisory role, McClellan is involved in several business activities including operating a mobile notary and loan signing service, working as a wellness advocate with doTerra, and developing corporate customers for an office products company. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management options, financial planning, and access to multiple third-party money managers through a large nationwide network of independent advisors.

Louis Kouri is a financial advisor with Wells Fargo Advisors in St. Louis, MO, holding Series 63 and Series 66 credentials and five years of industry experience. His work history includes roles at Wells Fargo Clearing Services LLC and Us Tech Solutions, among others. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial product sales and referral channels.

Matthew Gallion is a financial advisor with Raymond James & Associates in St. Louis, MO. He holds Series 63 and Series 65 licenses and has seven years of industry experience. Prior to joining Raymond James in 2021, he worked at Northwestern Mutual in various roles from 2018 to 2021 and spent three years at 54th Street Grill and Bar. Raymond James & Associates 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 financial planning and investment consulting with a range of portfolio management styles and affiliated research.

Eddie Batts is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 30 years of industry experience. He previously worked with Prudential Insurance Company of America and Pruco Securities, LLC for nearly three decades. Outside of advising, he is involved in real estate rental activities. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth clients, and institutional entities through a network of investment adviser representatives. The firm employs model-driven investment strategies and offers financial planning, access to third-party asset managers, and various affiliated services including insurance and trustee offerings.

Adam Aitken is a financial advisor with Wells Fargo Clearing in St. Louis, MO, holding a Series 66 designation and eight years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously held positions at KForce and Pure Hockey. Outside of his advisory role, he serves as a lacrosse referee for high school and youth games through the Mid America Lacrosse Officials Association. 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 advisory process is IPS-driven and includes a broader set of financial product offerings than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Marvin Anderson is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill for the past 10 years. Outside of his advisory role, he serves on multiple nonprofit and community boards, including as a director for Character Plus, a nonprofit focused on character development in education, and as a trustee for the St. Louis Community Foundation and Webster University. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, incorporating strategic asset allocation and tax-aware options.

Thomas Garfinkel is a CFP® professional with 24 years of experience, currently affiliated with Wells Fargo Clearing since 2016. His background includes involvement with rights to a book and film, unrelated to investment activities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, operating with a large network of over 14,000 advisors and managing substantial assets under management.

Jeffrey Silverstone is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and over 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent a year at Prudential Equity Group, LLC. Outside of his advisory role, he serves as power of attorney for his father. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics to support investment decisions.

Scott Petkas is a financial advisor with Raymond James & Associates in St. Louis, MO, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. Prior to joining Raymond James, he worked for 11 years at Edward Jones. He serves as a board member of the YMCA in Wildwood, MO, and volunteers with the Lions Club in Eureka, MO. 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, institutions, and municipalities, providing financial planning and non-discretionary consulting supported by a range of portfolio management styles and affiliated research.

Kelly Rybacki is a financial advisor with Wells Fargo Advisors, holding a Series 63 designation and 32 years of industry experience. She has worked at Wells Fargo Clearing and Wells Fargo Advisors since 2016. Outside of her advisory role, she serves as a trustee for a family trust in Ballwin, MO. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including retirement, education, and special-needs planning, using proprietary research and tools to develop tailored recommendations.

Christopher Kilfoyle is a Financial Advisor at Merrill Lynch Wealth Management, where he provides personalized financial guidance to clients. He focuses on understanding clients' goals and concerns to develop strategies that address short-, mid-, and long-term financial objectives. His services include general investing, retirement planning, college education planning, legacy planning, managing new wealth, and portfolio management. He also facilitates access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Christopher holds a Bachelor's Degree from Missouri State University and has earned the Personal Investment Advisor (PIA) designation. His professional approach emphasizes listening to clients in order to build tailored strategies that reflect their individual lives rather than using a one-size-fits-all template. He offers ongoing advice and support as clients' financial needs evolve. Outside of his professional work, Christopher is involved with Junior Achievement, reflecting his commitment to community involvement. His personal interests include baseball, chess, cooking, football, golfing, ice hockey, music, singing, spending time with family, and traveling.

Michael Krako is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill. Outside of his advisory role, he is a general member and owner of HCK MJK LLC, a real estate investment business based in Wildwood, Missouri. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

John Hogan is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Bank of America, Wells Fargo Clearing Services, and Merrill, all since 2022. Outside of his advisory role, Hogan volunteers as a high school baseball coach for American Legion Baseball. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffery Yates is a financial advisor at Charles Schwab with 8 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade and Panera Bread Co. before joining Charles Schwab in 2022. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary advisory services and access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and in-depth alternative investment due diligence.

Todd Soucy is a financial advisor at Wells Fargo Clearing in St. Louis, MO, holding a Series 66 designation with seven years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2015. Outside of his advisory role, he works as a delivery driver for DoorDash. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Andrew Jensen is a CFP® and holds a Series 66 license, working with Edward Jones in St. Louis, MO. He has 12 years of industry experience, all with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and affiliated products, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets.

Mark Wombacher is a financial advisor with Edward Jones in Maryland Heights, MO. He holds a Series 66 designation and has 16 years of industry experience, including 18 years with Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies and affiliated services under a fiduciary standard.

Michael Gray is a financial advisor with Merrill based in Clayton, MO, holding a Series 66 designation and 25 years of industry experience. He has been affiliated with Merrill since 2009 and Bank of America, N.A. since 2011. Gray serves as a trustee for personal living trusts. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.