Bruce Hodo is a financial advisor with Primerica Advisors in Orland Park, IL, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has worked with PFS Investment Inc. since 2007 and Primerica Financial Services since 2005. Outside of advisory services, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides 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 uses third-party asset managers and offers a percentage-based wrap fee structure.

Alexander Unis is a financial advisor with Morgan Stanley in Chicago, holding a Series 66 designation and seven years of experience with the firm. Prior to joining Morgan Stanley in 2019, he worked as a self-employed advisor from 2016 to 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates to assist clients in developing financial plans.

Daniel Straub is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked across multiple Fidelity divisions since 2000, including Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages oversight and allocation with a focus on addressing conflicts of interest.

Marion Smith is a financial advisor at Edward Jones with 19 years of industry experience. He holds the Series 66 designation and previously worked at CitiGroup Global Markets, Merrill Lynch, and Bank of America. 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 strategies, supported by a large network of financial advisors and branch offices nationwide.

Conor Nelson is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at DWS Distributors, Inc., Northwestern Mutual Investment Services LLC, Northwestern Mutual Life Insurance Company, and PayNet. Nelson is based in Oak Brook, Illinois. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and emphasizes multi-asset model portfolios with strategic asset allocation and alternative investment due diligence.

Rita Boudreau is a financial advisor with UBS Financial Services in Oakbrook Terrace, IL, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with UBS Financial Services since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm employs proprietary capital market assumptions and research to tailor investment plans according to clients’ goals and risk tolerances.

Jacob Boecher is a financial advisor at Morgan Stanley in Chicago, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked in various roles including positions in the food service and hospitality industries. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and utilizing firm-approved planning tools and models to support clients’ financial goals.

Ryan Hagan is a financial advisor with LPL Financial in Glen Ellyn, IL, holding Series 63 and Series 65 credentials with 18 years of industry experience. He has been with LPL Financial since 2010 and previously worked at PRUCO Securities, LLC from 2008 to 2010. Hagan operates a business entity, RJ Hagan Inc., for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Kevin Durkin is a financial advisor with Morgan Stanley in Chicago, holding a Series 66 designation and nine years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. since 2019 and Morgan Stanley since 2017, as well as one year at DePaul University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range 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 analyses.

Robert Rosenthal is a financial advisor with Morgan Stanley in Chicago, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked at Morgan Stanley since 2017, following prior roles at Charles Schwab and a brief period as self-employed in 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Robert Davis Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior roles include positions at VOYA Financial Advisors and Cetera Wealth Services. He is also the owner and president of Robert Davis & Associates, a firm involved in the sale and service of insurance and securities products, and works as an independent insurance agent focusing on fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and oversees over $256 billion in assets through more than 10,000 advisors.

Lucas D'arcy is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles across financial services firms since 2016. Outside of his advisory work, he is a 50% owner of Spaulding Suite LLC, a real estate entity focused on residential property rentals. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program emphasizing written asset allocation advice, manager searches, and customized performance reporting. The firm’s process integrates quantitative and qualitative research supported by a centralized due diligence team and includes access to specialized derivatives and commodities capabilities.

Thomas Halden is a financial advisor with Charles Schwab in Chicago, holding Series 63 and Series 65 licenses and 31 years of industry experience. His prior experience includes nine years at TIAA and TIAA-CREF. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combined advisory, brokerage, custody, and cash-sweep platform with both non-discretionary and discretionary investment options supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Matthew Maguire is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and previously worked at Nuveen Securities, LLC for nine years before joining Morgan Stanley. He is based in Chicago, IL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers structured planning tools supported by its Global Investment Committee.

Mitchell Carpenter is a financial advisor with Morgan Stanley in Chicago, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. His prior roles include positions at Fidelity Investments and Coyote Logistics. Carpenter has worked at Morgan Stanley since 2019, including at Morgan Stanley Private Bank, N.A. since 2024. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations to model financial outcomes.

Stephen Cogger is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial for 10 years. In addition to his advisory role, he has worked as a hotel security officer at Courtyard by Marriott Elmhurst since 1988. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of advisors and provides access to multiple program structures and third-party managers.

Daniel Krout is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 66 licenses and has 26 years of industry experience. His career includes roles at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and MetLife Securities Inc. from 2008 to 2017. Outside of his advisory work, he is also an insurance agent engaged in outside insurance sales covering individual and group life, health, Medicare supplement, and property/casualty insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser operating as a subsidiary of MassMutual. The firm provides ongoing financial planning and asset management services to individuals, including high-net-worth clients, business owners, trusts, estates, charitable organizations, and employers.

Carey Freimuth is a CFA® charterholder with 12 years of industry experience. He has worked at Ameriprise Financial Services LLC since 2021 and previously spent eight years at LPL Financial. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations delivered by a centralized consulting team.

Mary Jane Kaminski Messere is a financial advisor with Morgan Stanley in Chicago, IL, holding a Series 66 designation and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including tailored financial planning through dedicated advisors and specialized estate planning teams. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Anthony Raia is a financial advisor with Equitable Advisors in Oak Brook, IL, holding a Series 66 designation and 24 years of industry experience. He has worked at Equitable Advisors since 2002 and previously at Axa Advisors, LLC from 2002 to 2020. He is a member of the DBA Wells, Roselieb & Raia Wealth Management, LLC, where he is involved in operational expenses and payroll without compensation. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and leverages third-party asset managers and advisory programs in its investment approach.