Charles O'Neil is a financial advisor at RBC Capital Markets with 10 years of industry experience. He holds a Series 66 designation and has previously worked at City National Bank, Bank of America, Merrill, and Morgan Stanley. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients by providing advisory programs, portfolio management, financial planning, and brokerage services. The firm customizes investment strategies based on client risk profiles and utilizes both in-house and third-party managers to implement diversified portfolios.

Daniel Liebers is a financial advisor at Equitable Advisors with 38 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with Axa Advisors, LLC for 21 years. His credentials include the Series 63 and Series 65 licenses. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and a range of asset management programs, often utilizing third-party asset managers and LPL-sponsored advisory programs.

Rafal Mosior is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has been with Merrill since 2016 and also has experience with Bank of America, N.A. outside of Merrill. In addition to his advisory role, Mosior is involved part-time with T.A.R. Restoration Inc., a roofing company where he conducts client meetings and roof inspections. 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 serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Leland Galan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 15 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously spent two years at Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may include ESG considerations.

Matthew Heise is a financial advisor at Morgan Stanley with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill Lynch, and other financial firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies.

Tina Reilly is a Series 66-licensed financial advisor at Morgan Stanley with four years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2022, she worked at Lululemon for six years in sales and marketing. She remains involved with Lululemon outside of her advisory role. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and serves a wide range of clients through various financial products and services.

Ryan Rymarzak is the Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their financial goals and build customized plans to meet their unique needs. He places a strong emphasis on forming and maintaining relationships based on trust, reliability, and competency. Ryan has accumulated extensive experience in the financial services industry, having worked as a Financial Consultant at Fidelity Investments since 2022. Prior to this, he served as Assistant Branch Leader at Fidelity Investments from 2020 to 2022. His leadership roles include serving as Branch Leader at TD Ameritrade from 2018 to 2020 and Producing Branch Leader at Scottrade between 2014 and 2018. Earlier in his career, he worked as a Senior Stockbroker at Scottrade from 2010 to 2014.

Ian Williams is a Financial Consultant at Fidelity Investments, a role he has held since 2022. Prior to this, he worked as a Financial Advisor at Morgan Stanley from 2020 to 2022, and began his career as a Trainee at Thrivent in 2020. His professional experience encompasses various aspects of financial advising and consulting. Ian focuses on understanding the unique financial situations of his clients to co-create personalized plans aligned with their goals. He emphasizes the importance of client engagement and collaboration in maximizing the benefits available through Fidelity Investments. Additional details regarding Ian's education, credentials, personal interests, or community involvement were not provided.

Scott Davis is a financial advisor with Merrill in Northbrook, IL, holding Series 63 and Series 65 credentials and 29 years of industry experience. He previously worked at Morgan Stanley Private Bank for nine years before joining Merrill and Bank of America in 2024. Outside of his advisory role, he serves as a board member for Dairymen's Inc., a family resort and club in Boulder Junction, Wisconsin. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Michael Mullenbach is a financial advisor with Raymond James & Associates in Deerfield, IL, holding Series 63 and Series 65 registrations and with 15 years of industry experience. He has been with Raymond James & Associates since 2011. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutional clients, and charitable organizations. The firm provides financial planning and non-discretionary investment consulting, utilizing various portfolio management styles supported by affiliated research and model managers.

Xu Wan is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2021, Xu has been involved with Dearborn Capital Brokers Ltd. since 2006. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting a broad array of investment strategies and tools.

Chan Kang is a CFP® and holds a Series 66 license, serving as a financial advisor with Ameriprise in Lake Forest, IL, with 24 years of industry experience. He has been with Ameriprise Financial Service, LLC since 2002. Outside of his advisory role, Kang is the owner of CHK Group LTD, a business focused on expense management. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement, typically those with at least $1 million in investable assets, combining research and modeling with tax-efficient withdrawal strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Katarzyna Wiselka is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2015. She is connected to a family-owned electrical services business through her spouse. 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, institutions, and charitable organizations.

Anil Rathi is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His career includes eight years at A. G. Edwards & Sons, Inc., followed by ten years at Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, combining proprietary research with third-party analytics to support its investment approach.

Tyler Pesola is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. His prior roles include positions at JPMorgan Chase Bank and J.P. Morgan Securities. He has also worked outside the financial industry, including at Amazon and Olive Garden. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party asset managers, and customized strategies across various account types.

Michael Coldwell is a financial advisor with Morgan Stanley in Barrington, IL, holding Series 63 and 65 licenses and accumulating 25 years of industry experience. His prior roles include positions at Edward Jones and Cuna Mutual Group. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment services.

Jeffrey Richards is a financial advisor at Merrill with two years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2022. Prior to joining Merrill, he spent five years at Plum Market - Old Town and four years with Friar Tuck Beverage. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Joshua Spungen is a Wealth Management Advisor at Merrill Lynch Wealth Management, associated with The Gelb Advisory & Retirement Team. He joined the firm in 2015 after completing his undergraduate studies at Miami University, where he studied finance and history. Joshua focuses on designing and implementing customized wealth management strategies aimed at helping clients achieve financial success, including individuals and corporate clients. His expertise encompasses a variety of financial planning areas such as corporate benefits, executive services, divorce transition planning, education planning, family wealth management strategies, and socially responsible investing, among others. Joshua and his team utilize Merrill's Personal Wealth Analysis™ software to simulate and monitor various financial scenarios, assisting clients with portfolio management and wealth accumulation while addressing aspects like tax efficiency and risk mitigation. Joshua holds several professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional role, he volunteers with Semester at Sea's Young Alumni Council and engages in activities such as golfing and following sports teams like the New Jersey Devils, Washington Nationals, and New York Giants.

Terrence Moran is a CFP®-designated financial advisor with 44 years of industry experience, currently affiliated with LPL Financial since 2009. He also has a long tenure at Select Benefits Inc, where he has worked since 1995, focusing on non-variable insurance products. Moran holds a significant interest in fixed insurance business activities through entities connected to his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, offering financial planning, model portfolios, third-party asset management, and institutional platforms with an emphasis on customizable investment strategies and operational support tools.

Barton Leahy is a financial advisor with Morgan Stanley in Deerfield, IL, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets and Vestor Capital Partners. Outside of his advisory role, he is a general partner in a family limited partnership focused on land lease. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and research.