Sebastian Arpino is a Financial Advisor with Merrill Lynch Wealth Management. He has nearly 20 years of experience in the financial industry, guiding clients through comprehensive wealth management processes grounded in personalized, goals-based financial strategies. Sebastian works as part of The Speers Group, collaborating with a dedicated team to deliver customized strategies that align investment risk with clients' unique goals. His expertise encompasses areas such as cash flow management, lending solutions, retirement income planning, investment strategy development, wealth transfer and legacy planning, and education funding strategies. Sebastian focuses on advising entrepreneurs, privately held entities, financial industry and real estate professionals, and law firm partners. His approach includes strategies ranging from investment and risk management, tax minimization, credit and lending, income and liquidity management, advanced estate planning services, wealth transfer, and philanthropy. Sebastian holds professional designations including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his education from the University of Illinois at Chicago. In addition to his professional work, Sebastian is involved with organizations such as the Haymarket Center, Habitat for Humanity, and Marklund. He speaks English and Italian, and his personal interests include cooking, football, golfing, and spending time with his family.

James Sianta is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry in 1995 after earning a bachelor's degree in Finance and Marketing from Indiana University’s School of Business. James focuses on assisting families in establishing and maintaining personalized wealth management strategies. His approach involves a disciplined process that starts with understanding each client's individual needs, concerns, and priorities. His areas of expertise include college education planning, tax minimization, and retirement income. James holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), CHARTERED FINANCIAL CONSULTANT (ChFC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, James dedicates time to personal interests such as golfing, spending time with his family, and traveling.

Desze Adams is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 credential and previously worked at Bank of America N.A./Merrill Lynch from 2020 to 2025. Outside of finance, he has held roles with Amazon Flex and Comcast Xfinity. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within a broad financial services organization offering access to a wide range of products.

Michael Fultz is a financial advisor with Equitable Advisors in Chicago, IL, holding a Series 66 designation and 13 years of industry experience. He has been with Equitable Advisors since 2012, including time at Axa Advisors, LLC from 2012 to 2020. Outside of his advisory role, he is involved in an outside insurance brokerage business. Equitable Advisors serves a broad client base, including individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to execute client recommendations.

Khomeini Khan is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has been with Equitable Advisors since 2003 and previously worked with Axa Advisors, LLC. Outside of his advisory role, he is involved in employee benefits consulting through Aspire Benefits Group, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management via LPL programs and third-party managers. The firm operates a hybrid referral and implementation model that incorporates client intake processes, various advisory program structures, and credentialed fiduciary services.

Maxwell Dunne is a financial advisor at Edward Jones in Oak Lawn, IL, holding a Series 66 designation with three years of industry experience. Before joining Edward Jones, he spent 11 years at Brother Rice High School. Outside of finance, he performs and teaches music in Evergreen Park, IL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.

Patrick Bronge is a Financial Advisor at Merrill Lynch Wealth Management and an integral member of The Speers Group. He began his association with the group as an intern in 2012 and joined full-time in 2015. Patrick brings to his clients a comprehensive approach to financial planning, focusing on a disciplined, planning-based strategy to address various financial challenges. Patrick holds a Bachelor of Science degree in Finance from Eastern Illinois University and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise spans areas such as corporate executive services, executive compensation, legacy planning, personal retirement planning, portfolio management, tax minimization, and small business strategies. Born, raised, and currently residing in the Melrose Park area of Chicago, Patrick enjoys boating, football, ice hockey, music, spending time with his family, and watching movies.

Steven Withey is a financial advisor with Equitable Advisors in Palatine, IL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he serves as a trustee for the Friends Foundation, a nonprofit involved in fundraising and food drives. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Yancey Bady is a financial advisor with Primerica Advisors based in Chicago, IL, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has worked with Primerica Financial Services since 1995 and is also affiliated with PFS Investments Inc. and YTB Consulting. Outside of traditional advisory roles, he is involved in the sale of loan products and home-related services through Primerica Mortgage, LLC and Primerica Client Services, Inc. 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 curates third-party asset managers and employs a tiered wrap-fee structure, focusing on retail investors rather than institutional pension or profit-sharing plans.

De Borah Gant is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. Her professional background includes over three decades at Waddell & Reed, along with roles at various insurance carriers and her own business, Gant Enterprises Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a wide range of advisory programs and services supported by proprietary research, third-party subadvisors, and a variety of portfolio management options.

Terry O'Malley is a financial advisor at Equitable Advisors with 19 years of industry experience. He has held roles at Equitable Advisors since 2008 and previously worked at Axa Advisors, LLC. Outside of his advisory work, he is involved in an outside insurance brokerage business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party managers. The firm operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Daniel Lombardi is a Wealth Management Advisor at Merrill Lynch Wealth Management. He serves as the primary advisor for his clients, working to understand their financial situations and objectives to develop realistic, personalized plans aimed at achieving their financial goals. His approach focuses on collaboration to create strategies centered around the client's life priorities, family, goals, and aspirations. With a career in financial services beginning in 2000, Daniel holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and is also a Personal Investment Advisor (PIA). He graduated from Elmhurst College with a bachelor's degree in Finance. Daniel specializes in family wealth management strategies, managing new wealth, and retirement income. In addition to his professional role, Daniel participates in community volunteering, reflecting the Merrill tradition of community involvement. His personal interests include fishing, golfing, hiking, music, reading, running, spending time with his family, tennis, and traveling.

Earlline Davis is a financial advisor with LPL Financial in Chicago, IL, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked at LPL Financial since 2018 and has extensive prior experience with Ameritas Investment Corp, Harris Investorline, and Harris Bank. Outside of her advisory role, she serves as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Mark Ackerman is a financial advisor at LPL Financial with 25 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and Morgan Stanley Private Bank for over a decade. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios from various sources.

Daniel Dawson is a financial advisor at Raymond James & Associates with 22 years of industry experience. He holds the Series 66 designation and has been with Raymond James & Associates since 2005. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, charitable organizations, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary services with a range of portfolio management styles and affiliated research.

Krzysztof Zoltek serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. He leverages over 20 years of experience in wealth management, working with individuals and business owners to navigate complex financial challenges. His areas of expertise include education planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, and retirement income. Utilizing the investment insights of Merrill and the banking solutions of Bank of America, Krzysztof creates personalized financial strategies tailored to each client's long-term goals. Krzysztof holds a Bachelor's Degree and a Doctorate from DePaul University, specializing in Behavioral Finance, as well as an MBA from the University of Iowa. His academic research focuses on financial decision-making within immigrant communities and the interplay between wealth management and nonprofit organizations. He carries the Personal Investment Advisor (PIA) designation and is proficient in Polish, German, and English. Beyond his professional responsibilities, Krzysztof is active in community organizations including the Polish Highlanders Alliance of North America and the DePaul University Polish Students Alliance. His personal interests include camping, dancing, fishing, hiking, music, reading, rock climbing, running, skiing, and traveling.

Scott Magnesen is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 43 years of industry experience. He has worked at multiple divisions within Morgan Stanley since 2007 and is also a freelance musician with nearly five decades of experience. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety 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 structured planning tools such as Secular Return Estimates and Monte Carlo simulations as part of its process.

Thomas Schreiber is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Cetera since 2019 and previously spent 25 years with Foresters Financial Services. Schreiber is also the owner of Skyline Wealth Partners, a business associated with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. It offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program structures and third-party managers.

Lukas Bergstrom is a Series 66-licensed financial advisor at LPL Financial with two years of industry experience. His prior work includes roles at BMO Harris Bank and The Prudential Insurance Company of America. Outside of finance, he has been involved with 4 Star Casting. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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 model portfolios and research from multiple sources.

Joel Popescu is a financial advisor at LPL Financial with Series 63 and Series 65 credentials and one year of industry experience. He has held roles at several firms including Affluent Life Solutions, LLC and Mega Load Inc. Outside of advisory work, he is involved with Affluent Life Solutions, LLC, a business entity used for tax and investment purposes. 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 and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.