Joseph Spiegel is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2017, including prior roles at JPMorgan Chase Bank and BMO Harris. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their non-discretionary advisory program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Frederic Hoffman IV is a financial advisor with Cambridge Investment Research Advisors in Arlington Heights, IL, holding a Series 66 designation and 13 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entities since 2013. Outside of his advisory role, he volunteers as a coach with the Buffalo Grove Recreation Association and the Buffalo Grove Park District. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual, pension, and charitable clients, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management, offers access to third-party advisors and proprietary model strategies, and manages a multi-billion dollar asset base through thousands of financial professionals.

Tauras Martinka is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Bank of America, Brent Jablonski Allstate Agency, and various positions during his studies at the University of Wisconsin-Madison and University of Illinois at Chicago. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Deoliveira is a financial advisor at Cetera with 11 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Charles Schwab and Charles Schwab Bank. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, employing a multi-manager platform that supports various investment strategies and program structures.

Joshua Dunn is a financial advisor with Morgan Stanley in Oak Brook, IL, holding Series 63 and Series 66 licenses and over 14 years of industry experience. His prior roles include positions at Fifth Third Bank and Fifth Third Securities. Outside of his advisory work, he is a partner involved in business development at Guardrail, LLC, a technology firm based in Cincinnati. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured, firm-approved planning tools to support its advisory process.

Katarina Milosevic is a financial advisor with Raymond James & Associates, holding a Series 66 designation and one year of industry experience. She previously worked at Equitable Advisors, LLC, America's Choice Insurance, and has academic experience from the University of Illinois Urbana-Champaign. 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 a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and consulting services supported by a nationwide adviser network.

Michael Mahoney is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2004 and serves as president of Mahoney Advisors, P.C., a financial services firm. Outside of his advisory work, he operates a small business producing drone videos for social media. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services to a broad client base, including individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to utilize model portfolios, third-party managers, and bespoke strategies, supporting both discretionary and non-discretionary account management.

Jeffrey Gromos is a financial advisor at Edward Jones in Barrington, IL, holding Series 63 and Series 65 credentials with 30 years of industry experience. He has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies and advisory services supported by a nationwide network of more than 23,700 financial advisors.

Marlo Chambers is a financial advisor at Ameriprise with 33 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Morgan Stanley, Charles Schwab, and TIAA-CREF. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement planning through written Recommendation Reports and ongoing advice. The firm’s approach includes tax-aware withdrawal strategies and asset allocation, supported by internal research and third-party data.

Kyle De Vries is a CFP® professional with 26 years of experience in financial advising. He has worked at Raymond James Financial Services Advisors, Inc. since 2016 and was previously with Edward Jones for nine years. He owns KWD Wealth Management, a wealth management support company affiliated with Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, using tailored, non-discretionary advice supported by analytical tools and specialized programs.

Jeff Kramer is a financial advisor with Morgan Stanley in Oak Brook, Illinois, holding Series 63 and Series 66 credentials and accumulating 11 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2016. Outside of his advisory role, Kramer is the owner of Du Page Training Academy, a non-investment-related venture. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages substantial client assets and employs a structured planning process that incorporates firm-approved tools and market modeling techniques.

Kelly Saurbaugh is a financial advisor at Edward Jones with 8 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Edward Jones since 2012. Outside of her advisory role, she serves as a team captain for a local Relay For Life, raising funds for the American Cancer Society. 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 under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Christopher De Long is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and has worked at Cetera and its affiliated entities since 2025. De Long has also been involved with DeLong & Associates, Inc. and its d/b/a Padgett Advisors since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to various investment program platforms through a nationwide network of independent advisors.

Paraskevas Sellis is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at TD Ameritrade Investment Management, TD Ameritrade, JP Morgan Chase Bank, and JP Morgan Securities. 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a multi-asset model portfolio approach and a formal alternative-investment due diligence process.

Kurt Royer is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2019. Prior to that, he worked at Foresters Advisory Services and Foresters Financial Services from 2016 to 2019. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with diverse investment program options.

Rebecca Klody is a CFA® charterholder with 22 years of industry experience. She is currently affiliated with Raymond James Financial Services Advisors, Inc. and serves as a financial advisor and co-branch owner of Teegarden Wealth Advisors LLC. Her prior experience includes roles at Amg Distributors, Inc. and Raymond James & Associates. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and charitable clients. The firm offers tailored, non-discretionary consulting using risk profiling and modeling tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Sitalakshmi Arumugam is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 66 and Series 63 designations and has worked at J.P. Morgan Chase Bank NA since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory framework.

Ralph Liberatore is a financial advisor at Raymond James & Associates with 39 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at UBS Financial Services, Inc. from 2013 to 2021. He serves as a Board of Trustee for the Village of Kildeer. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kyle Nolan is a CFP® with 18 years of industry experience, currently with Edelman Financial Engines. He has worked at Financial Engines Advisors L.L.C. since 2018, following roles at EF Legacy Securities, LLC and Edelman Financial Services LLC. Edelman Financial Engines provides technology-driven investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and both discretionary and non-discretionary advice across various account types.

Arthur Renier III is a CFP®-designated financial advisor with over 30 years of industry experience. He has worked at Wells Fargo Advisors since 2019 and previously held positions at Wells Fargo Clearing and Merrill. Renier is a 50% owner of The R-B Financial Group, a financial practice based in Oakbrook Terrace, IL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning solutions and integrates advisory services with various financial products and referral channels.