Theodore Degaetano Jr. is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Merrill since 1993. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Hubbard is a financial advisor with LPL Financial in Crystal Lake, Illinois, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has previously worked with Cetera Advisor Networks and operates Total Clarity Wealth Management, an independent registered investment advisory firm. Outside of his advisory roles, he is involved in several business ventures including financial services, tax preparation, and accounting firms under the Exemplar brand. 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. The firm provides diverse advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by extensive research and model portfolios.

Theodore Woytowicz is a financial advisor with LPL Financial in Lincolnshire, IL, holding a Series 66 designation and having 25 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he is involved with the Park Ridge Citizens Patrol. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and consulting services, employing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Lloyd Montgomery III is a financial advisor at Raymond James Financial with 22 years of industry experience. He holds the Series 66 designation and has been with Raymond James Financial since 2009. He is also the owner of Montgomery Wing LLC, a support company. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm uses a non-discretionary, goal-based approach with analytical tools to tailor recommendations and supports municipal and public finance work through a unique affiliation.

Jordan Micklow is a financial advisor with Edward Jones in Lake Forest, IL, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2012. 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 advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Anthony Pacione is a financial advisor at Edward Jones in Schaumburg, IL, holding Series 63 and Series 66 credentials with 11 years of industry experience. He has been with Edward Jones since 2015. Pacione serves on the Finance Committee of the Community Association Institute, a 10-member group that meets monthly to review the organization's finances. 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 broad range of advisory programs and investment solutions, supported by a nationwide network of more than 23,700 financial advisors and over 15,000 branch offices.

Jeffrey Bruce is a financial advisor with LPL Financial and holds a Series 66 designation. He has 21 years of industry experience, including five years at Cetera Advisor Networks and eight years with LPL Financial. Additionally, he serves in the United States Army Reserve and is involved in tax preparation and accounting through Exemplar Accounting and Tax, Inc. LPL Financial is a registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Roshni Khory is a financial advisor with Ameriprise in Palatine, IL, holding Series 63 and Series 65 licenses with 32 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. In addition to her advisory role, she is involved in independent insurance brokering with Mass Mutual. Ameriprise is a large institutional firm serving clients primarily through its retirement-income planning service aimed at individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement income recommendations.

Rex Ramirez is a financial advisor at Edward Jones in Arlington Heights, IL, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he worked in the mortgage and lending industry at Envoy Mortgage, Ltd, Ldwholesale (a division of LoanDepot.com LLC), and Homeward Residential Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of approximately 23,701 financial advisors and more than $1 trillion in assets under management.

Robert Teik is a ChFC® professional with 38 years of industry experience, currently serving at LPL Financial since 1997. He holds the Series 63 license and has a background that includes roles in insurance and tax preparation as well as consulting, where he is Vice President and Treasurer of Ossanna Consulting Group, Inc. based in Barrington, IL. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of advisory programs, financial planning, and retirement consulting supported by in-house and third-party research, along with various portfolio management options.

Steven Fischer is a financial advisor at Merrill with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1987, concurrently working at Bank of America since 2009. Outside of his advisory role, he serves as a committee member for the OLPH Men's Club, a charitable organization focused on community volunteering and fundraising. 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.

Gary Weinlein is a financial advisor at Cetera with 20 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. His prior experience includes roles at Avantax Advisory Service, Ameriprise, and 1st Global Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services with access to both affiliated and third-party investment managers across various program structures.

Patrick Skowron is a financial advisor at Fidelity with a Series 66 designation and five years of industry experience. His prior roles include positions at Equitable Advisors, Mass Mutual, and Fidelity Investments. Fidelity’s Strategic Advisers LLC, where he works, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Jonathon Knight is a financial advisor at Fidelity with 33 years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes roles at TD Ameritrade Investment Management, LLC and Scottrade, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS‑qualified Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage model portfolios using systematic methodologies and long‑term asset allocation benchmarks.

Jeffrey Froman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2006 and began his career in financial services in 1996. Jeffrey specializes in working with businesses to address their retirement, benefit, executive, and equity compensation program needs. Jeffrey holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Chartered Retirement Plans Specialist (CRPS). These credentials support his ability to tailor and manage retirement benefit plans suited to the unique needs of organizations. He provides a broad range of services to plan sponsors, including plan design guidance, provider selection, plan performance tracking, investment menu updates, and employee education to encourage participation. His approach includes reviewing plan features and investment options to identify opportunities for improvement in technology, reporting, fees, and fiduciary risk management. Jeffrey earned a Bachelor's Degree from Illinois Wesleyan University and a Master's Degree from DeVry University.

Karen Simmons is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2003, with a recent one-year tenure at Bank of America, N.A. 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 investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individual, high-net-worth, and institutional clients.

Jayson Kaus is a CFP® with 32 years of industry experience, currently serving at RBC Capital Markets. His career includes roles at City National Bank, Wells Fargo Clearing, and Wells Fargo Advisors. He is a committee member of the Lake Forest Lake Bluff Rotary Club. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients. The firm provides tailored portfolio management and advisory services through a variety of wrap fee programs, utilizing both in-house and third-party investment managers.

Jahkelle Jones is a Series 66-licensed financial advisor with six years of industry experience, currently affiliated with LPL Financial in Schaumburg, IL. His work history includes roles at BMO Bank, Wells Fargo Clearing Services, Wells Fargo Bank, and JPMorgan Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Gail Clark is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2009. Outside of advising, she is involved in the sale of home security and automation products through referrals with affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses an exclusively percentage-based, tiered wrap fee structure.

Edgar Bautista is a financial advisor at Primerica Advisors with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Primerica Advisors since 2006. Bautista’s background includes ongoing involvement with TSA since 2016. He is also involved in the sale of non-investment products such as home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered, percentage-based wrap fee structure.