Joseph Rosario is a CFP® professional with 10 years of industry experience. He is currently affiliated with Cetera and is the owner of Shoreline Financial Partners, where he provides financial services. His prior experience includes roles at Fidelity Investments, Allstate, and several other financial firms. Rosario also works as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, utilizing multiple program structures and access to third-party money managers.

Ryan Paulsen is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2013. Outside of his advisory role, he is involved in individual life and group health insurance sales. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools and collaborative annual planning relationships.

Jaime Fredman is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides a broad range of brokerage and advisory solutions supported by research and analytics.

Anila Buja is a financial advisor with RBC Capital Markets holding a Series 66 designation and two years of industry experience. She has held roles at RBC Capital Markets since 2023 and has previous experience at Domino Amjet Inc and Lake Forest College, among other positions. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a mix of in-house and third-party managers, providing comprehensive portfolio management, financial planning, and brokerage services.

Leo Khorolinsky is a financial advisor with UBS Financial Services in Northbrook, IL, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with UBS since 2012. Outside of advising, he is involved in sports management as a personal manager and contract negotiator for fighters. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and leverages proprietary research and capital market assumptions to tailor client strategies.

Melanie Duguid is a CFP® professional with 19 years of experience in the financial services industry. She has worked with Cetera and its affiliated firms since 2007, including First Allied Advisory Services and Cetera ADVISORS LLC. Duguid serves as treasurer for the Tri-Con Community Nursery Center, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered advisor that supports a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporations, charitable clients, and institutional accounts.

Bruce Friedman is a financial advisor with LPL Financial in Lake Forest, IL, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Alera Investment Advisors, Triad Advisors, GCG Financial, Securian Financial Services, Minnesota Life Insurance, Banc of America Investment Services, and Northern Trust Securities. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive operational tools and a broad network of over 22,800 advisors.

Sharon Count is a financial advisor affiliated with LPL Financial in Northfield, IL, holding a Series 66 designation and bringing 14 years of industry experience. Prior to joining LPL Financial in 2021, she worked with Waddell & Reed, various insurance carriers, and operated her own entities including Count Consulting, LLC and Count Enterprises, LLC. She is also a notary public and involved with business entities focused on divorce financial planning and resolution. 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 and access to model portfolios and third-party asset management, supported by extensive operational and research tools.

David Herman serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his career with Merrill in 1977, he has assisted clients in wealth and estate planning services as well as investments. His expertise encompasses college education planning, retirement income, portfolio management, tax minimization, and both individual and corporate investment strategy. Additionally, David is a qualified Portfolio Manager who provides discretionary management of personalized strategies that include individual stocks and bonds, model portfolios, and third-party investment strategies. David earned a Bachelor's degree from Lake Forest College in 1970. He holds several professional designations, including the CERTIFIED FINANCIAL PLANNER® (CFP) certification since 1980, and the Chartered Retirement Planning Counselor™ (CRPC) designation awarded by the College for Financial Planning Institutes Corp. He also holds the Personal Investment Advisor (PIA) designation. Committed to community involvement, David participates with the Wisconsin Department of Natural Resources. Outside of his professional role, his interests include camping, hunting, painting, photography, reading, traveling, and spending time with his family.

Nicholas Kukawski is a financial advisor with Charles Schwab in Northbrook, IL, holding Series 63 and Series 65 designations and 15 years of industry experience. His prior roles include positions at TD Ameritrade, CitiGroup, BMO Harris Bank, and Fifth Third Bank. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside centralized custody and order-routing services.

Trevor Thomas is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has previously worked at Aon Hewitt Financial Advisors and Equitable Advisors. In addition to his advisory role, he is involved with Baxter Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with a variety of investment strategies and operational tools.

Sergio Pedroza is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on managing new wealth, portfolio management services, and small business strategies. As a Merrill Financial Solutions Advisor, Sergio works closely with clients to understand their priorities and develop strategies to pursue their short-, mid-, and long-term financial goals. He provides resources for investing, retirement planning, unexpected savings, and access to Bank of America specialists for banking, credit, home financing, and small business solutions. Sergio holds a Bachelor's Degree from Northern Illinois University and has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is a bilingual fiduciary advisor fluent in English and Spanish, committed to offering ongoing advice and guidance as clients' needs evolve. Outside of his professional work, Sergio has personal interests in chess, soccer, and traveling. He emphasizes a client-centered approach, stating that he helps clients uncover what matters to them and their families to create financial strategies aligned with their goals.

Jennifer Eilers is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Her prior roles include positions at BMO Harris Financial Advisors, Park Avenue Securities, Guardian Life Insurance, Robert W. Baird & Co., and Morgan Stanley. She also spent seven years as a stay-at-home mom before returning to the financial sector. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with both discretionary and non-discretionary investment strategies and advanced operational tools.

Christopher Kolososki is a financial advisor at Stifel with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill and JP Morgan Securities LLC. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Jameson Brinks is a financial advisor at Fisher Investments with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Fidelity Investments and Fidelity Brokerage Services LLC. Early in his career, he was associated with New Holland Brewing Company. Fisher Investments serves a global clientele of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment approach managed by a five-member Investment Policy Committee and offers sub-advisory and retirement plan services to a diverse client base.

Frederick Lucas is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2015. Outside of his advisory role, he is an owner and partner in a residential rental property. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm integrates large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary investment recommendations supported by an in-house manager solutions team and due diligence framework.

Michael Morris is a Certified Financial Planner (CFP®) with 25 years of experience in the financial industry. He has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, N.A. since 2018. Based in Highland Park, IL, Morris holds Series 63 and Series 65 licenses. 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. As part of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Dru Martin is a financial advisor at Merrill in Buffalo Grove, IL, holding a Series 66 designation with one year of industry experience. He previously worked at Liggett Vector Brands for 13 years and has been with Bank of America and Merrill since 2025. Martin was also involved with Good Times USA LLC in 2025. 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, high-net-worth clients, and institutional investors.

Brian Olson is a CFP® with 17 years of industry experience, currently serving as a financial advisor at LPL Financial since 2023. He previously worked at Edward Jones for 15 years. Olson is also involved with Forte Financial Planning LLC, an entity related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of investment programs, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

William Floyd is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Harris Investor Services, Inc. He serves as an advisory board member for the Glencoe Chamber of Commerce, a charitable organization focused on promoting local retail business in Glencoe, Illinois. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple managed account strategies with oversight from its CIO and focuses on tax-efficient implementation alongside deep integration with Bank of America affiliates.