Terrence Ruff is a financial advisor at OSAIC with 19 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Securities for 17 years. In addition to his advisory role, he serves as a board member and treasurer for a nonprofit organization and is a licensed insurance agent and notary public. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations, offering a range of integrated financial services and investment platforms. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across multiple asset classes.

Jason Gunther is a CFP® professional with 17 years of experience in the financial industry. He has been with Edward Jones since 2009, working out of Lake Forest, IL. 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 and offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Benjamin Murphy is a financial advisor with Morgan Stanley in Barrington, IL, holding a Series 66 designation and 12 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and Corporate Financial Planning agreements.

Cheryl Duda is a Financial Advisor at Merrill Lynch Wealth Management, specializing in helping individuals, families, and small business owners protect and grow generational wealth. She works closely with clients to understand their unique priorities and develop personalized financial plans that align with their needs and values. Her expertise includes retirement and legacy planning, tax-efficient investing, college education funding, small business solutions, and access to specialty lending. With over 20 years of experience in the financial industry, Cheryl holds professional designations including Chartered Financial Analyst (CFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from Shanghai International Studies University and an MBA from the Illinois Institute of Technology. Fluent in both Chinese and English, Cheryl brings a broad perspective to her client relationships. Outside of her professional role, Cheryl is active in her community through involvement with District 30 Toastmasters and XL Toastmasters Club. She enjoys running, including marathons, cooking, hiking, reading, traveling, and spending time with her family.

Peter Manning is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 25 years of industry experience. He previously worked at J.P. Morgan Securities for 12 years and has been involved with P and R Management since 2005. Manning also has a role with PWA Insurance Services, LLC, which involves non-variable insurance business activities. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Joanne Allessi is a financial advisor at Morgan Stanley in Geneva, IL, holding Series 63 and Series 65 licenses with 27 years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and models.

Ryan Dees is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Fidelity Investments and Bank of America. 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 combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Mark Hilde is a financial advisor at Edward Jones with 21 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers discretionary and non-discretionary investment strategies, tax-efficient services, and operates under a fiduciary standard, supported by a large network of financial advisors and branch offices nationwide.

Kelly Petersen is a financial advisor with Edward Jones in Arlington Heights, IL, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2021, Petersen worked at Huck Bouma PC, James C Provenza & Associates, and Anderson & Associates PC. Outside of advising, Petersen co-owns a handmade soap business that sells products on Etsy. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including various sizes of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, tax-efficient services, and affiliated investment products.

Evelyn Gonzalez is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. Her prior work includes roles at Kelleher + Holland, LLC, Salvi & Maher LLP, and Fifth Third Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to build model portfolios composed of mutual funds, ETFs, and ETPs.

David Markiewicz is a financial advisor with LPL Financial in Arlington Heights, IL, holding Series 63 and Series 65 credentials and having 10 years of industry experience. His prior work includes roles at Merrill and BMO Harris Financial Advisors. LPL Financial is an SEC‑registered investment adviser and broker‑dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non‑discretionary management supported by in-house and third-party research.

Zachary Callero is a financial advisor at Cetera with two years of industry experience and holds a Series 66 designation. His prior roles include positions at OSAIC Wealth Inc and Insight 2 Profit, as well as founding Callero Capital Management. Cetera Investment Advisers LLC operates a nationwide network of over 10,000 independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, using a multi-manager platform with discretionary and non-discretionary program options.

Andrew Rzotkiewicz is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2008. Outside of his advisory work, he is a fitness coach at Orange Theory Fitness. 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 multi-manager platform with a range of portfolio management options, including discretionary and non-discretionary services, utilizing both affiliated and third-party managers.

Sijo Job is a financial advisor with LPL Financial in Schaumburg, Illinois, holding CFP® certification and Series 63 and 66 licenses. He has 18 years of industry experience, including ten years at J.P. Morgan Securities and over a decade running S Job Health, Inc. as a dietary consultant. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a broad range of financial planning and advisory programs supported by research and technology, serving both discretionary and non-discretionary client needs.

Kenneth Robbins is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has worked in the financial advisory field since 2011, with previous roles as a Financial Advisor at BMO Harris Financial Advisors, Inc. from 2012 to 2016 and at PNC Investments from 2011 to 2012. Kenneth focuses on developing flexible retirement plans tailored to his clients' evolving needs, aiming to help grow and protect their wealth over time. He emphasizes listening to his clients to understand what is important to them and guiding them through significant financial decisions and uncertain times. He holds an Arkansas Insurance License. Outside of his professional career, Kenneth's personal interests include baseball, family activities, and fitness.

Janet Barnard Weiland is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Her prior work includes roles at American Financial Network Inc, United Fidelity Funding Corp, and Hartford Financial Services, Inc. She is also involved in sales of investment-related products and receives additional compensation for referrals related to home security and automation products through affiliated companies. Primerica Advisors is a large-scale institution serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program that employs largely model-delivery strategies managed by unaffiliated asset managers.

Ignacio Guerrero is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at LPL Financial since 2018 and previously held positions at BMO Harris Financial Advisors, Inc. and BMO Harris Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with access to model portfolios, third-party research, and advanced portfolio management technologies.

Elayne Banks is a financial advisor at Cetera with 27 years of industry experience and holds the Series 66 designation. She has been with various Cetera entities since 2008 and currently serves in multiple roles within the firm. Outside of her advisory work, she is involved in community activities as the president of a church auxiliary group and as a recording secretary for a local condo association. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.

Ryan Skibinski is a financial advisor at Edward Jones in St. Charles, IL, holding a Series 66 designation with five years of industry experience. His prior roles include positions at Raymond James Financial Services and Amsted Rail. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with both discretionary and non-discretionary investment strategies, managing approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices.

Brian Eatherton is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. Services are delivered on a non-discretionary basis through a select group of Wealth Advisors.