Douglas Klimah is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Cetera since 2019, with prior roles at Opus Wealth Partners and LPL Financial. In addition to his advisory work, Klimah serves as a notary providing notarization services for union member documents. Cetera Investment Advisers LLC is a large SEC-registered firm that offers a wide range of investment and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform providing access to various portfolio management strategies through discretionary and non-discretionary program structures.

Robert Sanfilippo is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He previously worked at Wayne Hummer Investments LLC for eight years and had a two-year retirement period before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

William Seibold is a financial advisor at Wells Fargo Advisors in Oak Brook, IL, with 43 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2009. Seibold is co-owner of Seibold Wealth Management Inc., a financial planning practice based in Oak Brook. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, using proprietary research and tools to develop tailored recommendations.

Joshua Morris is a financial advisor at Equitable Advisors with Series 63 and Series 65 licenses and no prior industry experience. His background includes roles in education and construction, including positions at Calumet College of St. Joseph and MBP Construction. Equitable Advisors serves a range of clients from individuals to institutional entities, offering financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and partnerships with third-party asset managers.

Michelle Derkowski is a financial advisor at Morgan Stanley with 30 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Her credentials include Series 63, Series 65, and Series 66 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.

Cesar Gonzalez is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 17 years of industry experience. Prior to joining Cetera in 2024, he worked at JP Morgan Chase Bank and J.P. Morgan Securities from 2008 to 2024. Cetera Investment Advisers LLC serves a broad client base that includes individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Michael Kimmey is a financial advisor with Equitable Advisors in Orland Park, IL, holding a Series 66 designation and bringing 23 years of industry experience. He has been with Equitable Advisors since 2003 and previously affiliated with Axa Advisors, LLC. Outside of his advisory role, he owns and operates Michael Kimmey and Associates, Inc., providing bookkeeping, accounting, and tax preparation services. Equitable Advisors serves a broad client base including individuals, retirement plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a variety of third-party advisory programs and asset managers, focusing on matching clients with appropriate investment strategies and fiduciary services.

Kyle Spayth is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their individual goals, emphasizing transparency and straightforward communication in managing complex financial topics. Kyle focuses on building thoughtful, personal plans rather than using templates, aiming to support clients' current needs and long-term visions. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Kyle holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). Kyle earned a Bachelor's Degree from Purdue University System. In his personal time, he enjoys adventure sports, boating, camping, cooking, gardening, music, reading, spending time with his family, traveling, and yoga.

Daniel Schipitsch is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2001. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), 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 accounts.

Michael Puleo is a financial advisor with Morgan Stanley in Oak Brook, IL, holding Series 63 and Series 65 designations and bringing 19 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and utilizing methodologies such as Monte Carlo simulations to model outcomes.

Ashley Zarate is a financial advisor with Merrill, holding a Series 66 designation and 2 years of industry experience. She has worked at Merrill since 2015. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ernest Cozzi is a financial advisor at Cetera with 41 years of industry experience. He holds the ChFC® and Series 63 designations, and has worked with several Cetera-affiliated firms since 2015. He is also involved with Personalized Financial Resources, LLC, where he provides financial consulting and insurance-related services. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual and institutional clients with portfolio management, financial planning, retirement services, and access to third-party money managers. The firm supports a range of program structures and investment strategies, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Carrie Groszek is a financial advisor with RBC Capital Markets in Oakbrook Terrace, IL, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. She has worked at RBC Capital Markets since 2008 and previously at City National Bank from 2017 to 2025. Groszek has been involved with a program aimed at developing critical and strategic thinking behaviors in U.S. schools. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with customizable portfolio management and financial planning services, leveraging both in-house and third-party investment managers.

Luke Larocca is a CFP® with 25 years of experience in the financial services industry. He is currently affiliated with Cetera and has a long history with Avantax Advisory Services and Avantax Insurance Agency, among other firms. In addition to his advisory work, he owns and operates Larocca & Company, LTD, a tax preparation and accounting business, and serves as trustee for the Ash Family Irrevocable Trust. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors utilizing multiple program platforms and investment strategies.

Mateusz Strojek is a financial advisor with J.P. Morgan Securities in Oak Brook, IL, holding Series 66 and Series 63 licenses and seven years of industry experience. He has worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities since 2016. 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. The firm applies an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis through its Institutional Consulting Services program.

Sondra Barrett is a financial advisor at Edward Jones with one year of industry experience. She holds the Series 66 designation and has previously worked at Northwestern Mutual and several real estate firms. Outside of her advisory role, she is the owner of Sondra Luxury Real Estate Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, including discretionary and non-discretionary wrap fee programs and access to separately managed accounts. The firm manages approximately $1.01 trillion in assets and operates a large national network of advisors and branch offices.

Nicole Portolos is a financial advisor with Ameriprise in Burr Ridge, IL, holding a Series 66 designation and nine years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written Recommendation Reports, with an emphasis on assets held in Ameriprise Managed Accounts and algorithmic automation in generating recommendations.

Anne Marie Metro is a financial advisor with RBC Capital Markets in Oakbrook Terrace, IL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with RBC Capital Markets since 2015. Outside of her advisory role, she maintains a personal membership with AMWAY. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies that utilize both in-house and third-party managers, incorporating options for tax management and responsible investing.

Amy Farber is a Financial Consultant currently working at Fidelity Investments since 2019. In her role, she focuses on building professional relationships with clients to provide exceptional experiences during every interaction. Prior to joining Fidelity Investments, Amy held the position of Assistant Vice President and Premium Elite Relationship Manager at Bank of America Merrill from 2016 to 2019. She began her career at Charles Schwab, serving as an Associate Financial Consultant from 2015 to 2016 and as a Derivatives Trade Specialist from 2012 to 2015. Outside of her professional work, Amy engages in various personal interests including fitness, hiking, playing musical instruments, skiing, theater, and traveling.

James Lohse is a financial advisor with Cambridge Investment Research Advisors and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 39 years of industry experience and has been affiliated with Cambridge and Independence Capital Financial Partners since 2012. Outside of his advisory role, he serves as an independent insurance agent and acts as an ambassador for the Naperville Chamber of Commerce. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning and investment management through a network of independent professionals, providing multiple portfolio management options and a range of proprietary and third-party strategies to tailor client solutions.