Rama Talwar is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and four years of industry experience. Their work history includes roles at Charles Schwab Premier Bank, Charles Schwab Bank, and Charles Schwab & Co., Inc., as well as two years with Anthony Fiorelli State Farm Agency. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through a Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Mirza Baig is a financial advisor with Merrill holding a Series 66 designation. He has one year of industry experience and has previously worked at Citi and Bank of America. Baig also has a background in education, having taught at Northeastern Illinois 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 a range of model-based and discretionary investment strategies tailored to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeanne Varwig is a financial advisor with UBS Financial Services in Barrington, IL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She previously worked at Citadel Group Limited for 15 years and had a brief tenure at Karchmar Life Insurance and Legacy Planning. She serves on the board of Erie Elementary Charter School in Chicago, overseeing strategic direction and supporting fundraising efforts. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, leveraging proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Brandon Johnson is a financial advisor with Wells Fargo Clearing in Deerfield, IL, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously spent four years at CITIGROUP. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 vehicles and bank deposit sweep options among its investment offerings.

Moira Brennan is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and three years of industry experience. Her work history includes roles at Brennan Financial Group, PFS Investment Inc., and Primerica Financial Services. She also has involvement in sales of loan products and home-related services through Primerica Mortgage, LLC and a related affiliate. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices and employs model-delivery strategies managed by unaffiliated asset managers.

Matthew Pfister is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2016 following his experience at Fidelity Investments and has over 13 years of experience in wealth management. In his current role, Matthew focuses on developing integrated, goals-based financial strategies tailored to clients’ risk tolerance, timelines, liquidity needs, and personal preferences. Matthew’s areas of expertise include family wealth management strategies, personal retirement planning, sports and entertainment wealth management, tax minimization, and retirement income planning. He works extensively with professionals and business owners, providing guidance on investment, tax mitigation, and wealth planning strategies to help build and sustain generational wealth. Additionally, Matthew offers support in exit planning, workplace retirement plans, and business lending or cash flow management strategies. Matthew holds a Bachelor’s degree from Cornell College and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also affiliated with the Cornell Baseball Alumni organization. Outside of his professional work, Matthew enjoys baseball, basketball, football, skiing, spending time with his family, and traveling.

Sandra Rubeck is a Series 66-licensed financial advisor with Merrill, where she has worked since 2002. She has 12 years of industry experience and is based in Deer Park, Illinois. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Antos is a CFP® professional with 38 years of industry experience, currently serving at Cetera since 1998. He is also the owner of a CPA firm where he has acted as vice president since 1990, focusing on tax returns and related IRS matters. In addition to wealth management, he is involved in tax and accounting services through his own firms. Cetera Investment Advisers LLC operates as an SEC-registered adviser offering services to a wide range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm supports multiple portfolio management approaches through a large network of independent advisors and provides access to various program structures and third-party money managers.

Stephen Olsen is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. His prior experience includes roles at Putnam Retail Management, Ameriprise, and Avantax Advisory Services. He is currently based in Schaumburg, Illinois. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing various program structures and affiliated third-party managers.

Todd Lefevre is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. He previously worked at B. Riley Wealth Advisors, Inc. and B. Riley Wealth Management from 2006 to 2025. 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 retirement consulting, utilizing model portfolios, third-party subadvisors, and technology such as machine learning in its investment approach.

Logan Morrison is a financial advisor with Ameriprise in Schaumburg, IL, holding a Series 66 designation. He has been with Ameriprise since 2025 and has prior experience at Medline Industries LP, Pure Processing, and Morgan Stanley. Morrison’s background also includes academic and secondary education roles. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with specific asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income recommendations.

Amy Zezulka Garcia is a CFP® professional with 36 years of experience in the financial industry. She is currently with Wells Fargo Advisors and has held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2009. Garcia owns and operates AZG Advisory Services LLC and AZG Financial Advisory LLC, both based in Arlington Heights, IL, and is involved with Princeton Harriman Insurance Solutions in Sarasota, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting net-worth thresholds, utilizing Wells Fargo research and tools to develop customized recommendations.

Stace Hilbrant is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has worked at LPL Financial since 2010 and is also affiliated with HUB International Investment Services and Global Retirement Partners. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, corporations, and charitable organizations. The firm offers various financial planning and advisory programs, utilizing in-house research, third-party subadvisors, and technology-driven strategies across discretionary and non-discretionary management models.

Drew Vasquez is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank and Northwestern Mutual. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Janine Kerin is a financial advisor at Edward Jones in Crystal Lake, IL, holding a Series 66 designation and with six years of industry experience. She has worked at Edward Jones since 2019 and previously held roles at Boys & Girls Clubs of Dundee Township and Northwestern Medicine. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a wide range of advisory programs and investment strategies, supported by a large network of financial advisors and branches nationwide.

John Schwalbach is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015, both located in Barrington, IL. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm‑approved tools and modeling techniques.

Anthony Nguyen is a Planning Consultant at Fidelity Investments. In this role, he collaborates with advisors to address client questions and ensure alignment between financial plans and client goals, working closely with clients throughout the process. His professional experience includes positions as a Planning Consultant, Relationship Manager, and Financial Representative at Fidelity Investments from 2022 to the present. Prior to that, he worked as an Associate Banker at JPMorgan Chase from 2019 to 2022. Outside of his professional work, Anthony has interests in badminton, board games, comedy, food, and swimming.

Carolyn Rowland is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 11 years of industry experience. She has been with Cambridge Investment Research Advisors since 2015 and has additional roles within affiliated firms dating back to 2014. Outside of her advisory work, she is involved with CJ&K Training Services in an administrative capacity within the environmental services industry. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and estates. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals, utilizing multiple custody platforms and proprietary as well as third-party investment strategies.

Adam Tatroe is a CFP® professional with 25 years of industry experience, currently affiliated with LPL Financial since 2021. Prior to this, he has been with Harris Investor Services, Inc. since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Tom Weyhrich is a financial advisor with Wells Fargo Clearing in Wilmette, IL, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2013 to 2016. Outside of his advisory role, he serves as co-trustee for his spouse’s trust and trustee for his mother’s trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.