Stephen Cogger is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. He has worked at LPL Financial, LLC since 2016 and has been with Cetera Investment Advisors LLC and Cetera Investment Services LLC since 2026. Outside of his advisory roles, he works as a hotel security officer at Courtyard by Marriott Elmhurst. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money 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.

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.

James Mcnamara is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds the Series 63 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Joseph Sacramento is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Meridian Compensation Partners, MacLean Fogg, Lowe's Home Improvement, and the University of Iowa. Equitable Advisors serves individuals across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of advisory models and implementation tools, including third-party managers and proprietary funds, without sponsoring its own wrap fee program.

Michael Ramirez is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with affiliated brokerage, distribution, and investment management capabilities.

Michael Lee is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in delivering personalized wealth management strategies that address the complex needs of high net worth individuals. Michael takes a systematic approach to develop customized financial plans aligned with each client's unique circumstances, focusing on simplifying the complexities of financial lives through time-tested, goal-based principles. Michael's areas of expertise include college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, and retirement income. He graduated from Dartmouth College with a bachelor's degree and earned his Juris Doctorate from Northwestern University. Before joining Merrill in 2005, Michael practiced as a corporate and securities attorney for 11 years. He holds professional designations including Chartered Financial Analyst (CFA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a member of the Chicago Bar Association and the CFA Society of Chicago. In addition to his professional work, Michael participates in community volunteering inspired by the Merrill tradition of serving local communities. His personal interests include chess, genealogy, hunting, and watching movies.

Meagan Fitzgerald is a financial advisor with Merrill based in Oak Brook, IL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Merrill since 1993 and concurrently associated with Bank of America, N.A. since 2014. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Arnold Lies is a financial advisor with Morgan Stanley in Lisle, IL, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. 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 through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Ben Jorgensen is a Planning Consultant who collaborates with Financial Consultants at the Naperville Investor Center to assist clients in developing personalized financial plans aimed at achieving their goals. He has experience as a Relationship Manager at Fidelity Investments from 2024 to 2025 and served as a Financial Representative at Fidelity Investments from 2023 to 2024. Outside of his professional role, Ben has interests in cooking and baking, fitness, movies, and reading.

Andrew Garcia is a financial advisor at Edward Jones with eight years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Investment Distributors, Inc., Concourse Financial Group Securities Inc., and Protective Life Insurance Company. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, affiliated mutual funds, and operates under a fiduciary standard.

Mark Musaraca is a CFP®-certified financial advisor with 40 years of industry experience, currently serving at Wells Fargo Advisors since 2022. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC spanning over 13 years. Outside of his advisory work, he is involved in several investment-related ventures, including ownership in agricultural and financial entities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services tailored to clients meeting net-worth thresholds and integrates advisory services with other financial products and referral channels.

Steven Bergmann is a financial advisor with LPL Financial in St. Charles, Illinois, holding Series 63 and Series 65 credentials and possessing 39 years of industry experience. He has been with LPL Financial since 2003. Bergmann is also a notary and sells non-variable insurance products, including auto, homeowners, and liability insurance, to his clients. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Samuel Roller is a financial advisor with Thrivent Investment Management in Geneva, IL, holding Series 65 and Series 63 licenses and having two years of industry experience. His background includes roles at Thrivent Financial, DHI Mortgage Company, and Moody Bible Institute. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial analyses and written recommendations covering retirement, tax, estate, and other planning areas. The firm offers these planning services separately from its managed-account programs and does not manage institutional portfolios or serve as a selector of other advisers for institutional mandates.

Noah Bischoff is a financial advisor with Fidelity in Wheaton, IL, holding Series 66 and Series 63 credentials and four years of experience. His prior work includes positions at RNL ScaleFunder and various roles outside the financial industry. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, formal advisory roles to registered investment companies, and its integration of AI in research.

Ashleen Davey is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America since 2018, following two years at BMO Harris Bank. She serves as a successor trustee for a family trust outside of her advisory role. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Zachary Marshall is a Financial Consultant currently working at Fidelity Investments since 2020. He has accumulated over 35 years of experience in the financial industry, including more than 20 years with Fidelity. His career includes roles such as Senior Financial Advisor at Merrill Lynch from 2012 to 2020, Investment Advisor at UBS Financial Services from 2008 to 2012, and Vice President of the Private Client Group at Fidelity Investments from 1989 to 2008. Zachary focuses on taking a holistic approach to financial planning by working closely with clients to develop investment strategies that align with their objectives. He emphasizes matching client needs to Fidelity's diversified investment platform to build sound financial plans aimed at accomplishing individual goals. Outside of his professional work, Zachary has interests in football, gardening, hiking, pets, and table tennis.

Sarah Deskovich is a financial advisor with LPL Financial, holding a Series 66 credential and 12 years of industry experience. Her prior roles include positions at JP Morgan Securities LLC and Wells Fargo Clearing Services LLC. She is also involved with Partnerland LLC, a business entity unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with research-supported model portfolios.

Ryan Maloney is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to define their financial goals and develop portfolio strategies aimed at helping them achieve these objectives. Ryan provides ongoing advice and adjusts portfolios as clients' situations evolve. With a focus on personalized investment guidance, retirement planning, and comprehensive wealth management strategies, Ryan is dedicated to building long-term relationships and delivering advice tailored to individual client needs. He holds the Professional designation of Personal Investment Advisor (PIA). Ryan earned his High School Diploma from Joliet Catholic Academy.

Kevin Rossetti is a financial advisor at Cetera with 10 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Foresters Advisory Services LLC and Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered advisor that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, and access to multiple program platforms, managing over $256 billion in assets.