Michael Germain is a financial advisor at Fidelity with 29 years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at Scura Paley Securities, MS Howells & Co, and O'shares. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves a range of clients including registered investment companies and an IRS-qualified Charitable Gift Fund.

Sonia Olivo is a financial advisor at LPL Financial with seven years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank. Prior to her financial services career, she spent twelve years at Sally Beauty Supply. 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 plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Vicki Nielsen is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Her work history includes roles at Voya Financial Advisors and Integrity Financial Professionals, where she is also president and owner. Nielsen is an alumni member of Leadership Greater McHenry County and participates in local community activities such as the McHenry County Task Force on Aging and serving as a volleyball scorekeeper at Alden-Hebron High & Middle School. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a wide range of portfolio management and financial planning services, supported by a network of over 10,000 advisors and managing over $256 billion in assets.

Michael Rymsza is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Sophia Cajiao is a financial advisor at Merrill with two years of industry experience and holds a Series 66 designation. Her work history includes positions at Bank of America and Merrill, as well as a role in event staff at Andy Frain Services. She assists patrons at arenas and theaters on weekends as part of her non-investment-related activities. 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, and institutional investors.

Teresa Ferrer is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2012, with prior experience at JPMorgan Chase Bank, N.A. dating back to 2004. 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 and an ESG eligibility framework to guide its recommendations.

Luis Albarran Isidoro is a financial advisor at Fidelity with a Series 66 designation and three years of experience at the firm. His prior roles include positions at PricewaterhouseCoopers LLP, Aldi Inc, Shipt Corporation, and Target. He also worked in education at the University of Illinois Chicago and Bartlett High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base, including charitable funds and registered investment companies, and utilizes systematic methodologies and oversight controls in its investment approach.

Robert Miller is a financial advisor with Cambridge Investment Research Advisors in Arlington Heights, IL, holding a Series 66 designation and 25 years of industry experience. He has been with Cambridge since 2008 and also serves as president of Miller & Associates, an accounting firm he founded in 1982. Additionally, Miller is a senior lecturer at Northwestern University School of Continuing Studies, a position he has held since 1973. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, with a variety of portfolio management approaches and platform options.

Joseph Johnson III is a CFP® with 22 years of industry experience, currently affiliated with Cetera since 2025. He has held positions at Avantax and Strategize Wealth Management Group Inc and is involved in tax preparation and financial consulting through Martin Johnson Tax & Financial Services, Inc. He also serves on the board of directors for the Kiwanis of Crystal Lake, a local charitable organization. Cetera Investment Advisers LLC is an SEC-registered advisor that supports a large network of independent advisors, offering financial planning, portfolio management, and retirement services to a diverse client base ranging from individuals to institutional accounts. The firm provides access to a variety of investment strategies, including third-party managers and customized solutions, operating across multiple platforms and custodial relationships.

Claire Kent is a financial advisor at Ameriprise with 17 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2007. Outside of advising, she is also a notary. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with a structured recommendation process and tax-aware strategies.

Stacey Stickle is a Series 66 licensed financial advisor with Edward Jones, based in Wauconda, IL, and has 16 years of industry experience. She has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of investment advisory programs and affiliated financial services. The firm manages approximately $1.01 trillion in assets with a large national network of advisors and branch offices.

Scott James is an Investment Management Consultant II at Fidelity Investments. He has been with Fidelity since 2021, progressing through roles as a Financial Representative, Investment Consultant, and currently as a Planning Consultant. In his current role, Scott partners with clients to understand their unique financial goals, build financial plans, identify investment strategies, and maintain open communication. Scott's experience at Fidelity Investments encompasses financial representation, investment consulting, and financial planning. He focuses on developing tailored financial solutions for clients and fostering strong client relationships. Outside of his professional responsibilities, Scott enjoys cooking and baking, participating in family activities, embarking on outdoor adventures, spending time with pets, and traveling.

Kenneth Lydecker is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 54 years of industry experience. He has worked with Cambridge since 2009 and has previous experience at firms including Heritage Ins Inc and Agency for Planned Benefits, Inc. Lydecker also serves as a board member of Carol's Way Foundation, a nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through independent Financial Professionals, utilizing a range of portfolio management strategies and platform arrangements tailored to client objectives.

Gregory Katzman is a CFP® and Series 66 credentialed financial advisor with 26 years of industry experience. He has been with Ameriprise since 2017, currently serving in Chicago, IL. His prior experience includes roles at Waddell & Reed and involvement with community organizations such as the Andersonville Chamber of Commerce and the Kiwanis Club of the North Shore. Ameriprise is an institutional firm offering retirement-income planning services primarily for clients with significant investable assets, utilizing a centralized consulting team to provide tailored, research-driven recommendations that integrate tax-efficient withdrawal strategies and Social Security planning.

Mrugesh Shah is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and nine years of industry experience. His work history includes multiple roles within J.P. Morgan and Fidelity, as well as a teaching position at Oakton Community College. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Mark Babula is a financial advisor at Charles Schwab with 26 years of industry experience. He has been with Charles Schwab Co., Inc. since 2000 and Charles Schwab Bank, SSB since 2005. He holds the Series 63 and Series 65 designations and is based in South Barrington, Illinois. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management services. The firm provides integrated brokerage, custody, and advisory solutions supported by a centralized operational structure.

John Gottwald is a financial advisor at Edward Jones with eight years of industry experience. He holds Series 65 and Series 63 licenses. Prior to joining Edward Jones in 2025, he worked at Merrill Lynch/Bank of America for six years and held roles at National Asset Management, National Securities Corp, Modern Woodmen of America, and the University of Dayton. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a large national network of financial advisors and branch offices.

Valerie Sutton is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. She has worked with Primerica Advisors since 2015 and has been involved with community organizations including First Church Lombard and Church of the Holy Nativity for over a decade. Outside of advisory services, she is involved in sales of home security and automation products through a Primerica affiliate. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm manages advisory services through a large network of financial advisors and utilizes model-delivery strategies alongside discretionary separately managed accounts.

Conrad May is the sole advisor at Conrad A. May, CPA, P.C., an independent firm based in Mt. Prospect, Illinois. He holds a Series 65 designation and has 26 years of experience in investment advisory services alongside over 40 years operating his CPA firm specializing in accounting and tax services. Conrad A. May, CPA, P.C. offers investment advisory and portfolio management primarily to individual clients as well as corporate and business clients, integrating financial planning with accounting and tax work. The firm generally provides non-discretionary advice and emphasizes its CPA affiliation and service to corporate clients, maintaining a small, concentrated client roster.

Keith Schoepke is a CFP® professional with 19 years of industry experience based in Crystal Lake, IL. He is the sole advisor at Wynstone Investment Advisors, LLC., an independent firm. Schoepke has worked with J.P. Morgan Securities Inc since 2007. Wynstone Investment Advisors serves clients seeking personalized financial guidance with an independent approach to investment management.