Daniel Krout is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 66 licenses and has 26 years of industry experience. His career includes roles at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and MetLife Securities Inc. from 2008 to 2017. Outside of his advisory work, he is also an insurance agent engaged in outside insurance sales covering individual and group life, health, Medicare supplement, and property/casualty insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser operating as a subsidiary of MassMutual. The firm provides ongoing financial planning and asset management services to individuals, including high-net-worth clients, business owners, trusts, estates, charitable organizations, and employers.

Carey Freimuth is a CFA® charterholder with 12 years of industry experience. He has worked at Ameriprise Financial Services LLC since 2021 and previously spent eight years at LPL Financial. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations delivered by a centralized consulting team.

Anthony Raia is a financial advisor with Equitable Advisors in Oak Brook, IL, holding a Series 66 designation and 24 years of industry experience. He has worked at Equitable Advisors since 2002 and previously at Axa Advisors, LLC from 2002 to 2020. He is a member of the DBA Wells, Roselieb & Raia Wealth Management, LLC, where he is involved in operational expenses and payroll without compensation. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and leverages third-party asset managers and advisory programs in its investment approach.

John Coffey is a financial advisor with LPL Financial in Hinsdale, IL, holding Series 63 and Series 65 credentials and possessing 37 years of industry experience. He has been with LPL Financial since 1995. Outside of his advisory work, he is associated with The Coffey Corporation, a business entity used for tax and accounting purposes. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a range of investment strategies and utilizing advisor-facing tools for research and operational support.

James Mcnamara is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 41 years of industry experience. His prior work includes a three-year tenure at A. G. Edwards & Sons, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement consulting services, managing approximately $671 billion in assets with over 14,000 financial advisors.

Joseph Sacramento is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Meridian Compensation Partners, MacLean Fogg, Lowe's Home Improvement, and the University of Iowa. Equitable Advisors serves individuals across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of advisory models and implementation tools, including third-party managers and proprietary funds, without sponsoring its own wrap fee program.

Michael Ramirez is a financial advisor at J.P. Morgan Securities in Aurora, IL, with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked across multiple JPMorgan entities since 2014. 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. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions and includes expertise in derivatives and commodities.

Michael Lee is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in delivering personalized wealth management strategies that address the complex needs of high net worth individuals. Michael takes a systematic approach to develop customized financial plans aligned with each client's unique circumstances, focusing on simplifying the complexities of financial lives through time-tested, goal-based principles. Michael's areas of expertise include college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, and retirement income. He graduated from Dartmouth College with a bachelor's degree and earned his Juris Doctorate from Northwestern University. Before joining Merrill in 2005, Michael practiced as a corporate and securities attorney for 11 years. He holds professional designations including Chartered Financial Analyst (CFA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a member of the Chicago Bar Association and the CFA Society of Chicago. In addition to his professional work, Michael participates in community volunteering inspired by the Merrill tradition of serving local communities. His personal interests include chess, genealogy, hunting, and watching movies.

Meagan Fitzgerald is a financial advisor with Merrill based in Oak Brook, IL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Merrill since 1993 and concurrently associated with Bank of America, N.A. since 2014. Merrill, along 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Arnold Lies is a financial advisor with Morgan Stanley in Lisle, IL, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range 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 a structured planning process using firm-approved tools and modeling techniques.

Ben Jorgensen is a Planning Consultant who collaborates with Financial Consultants at the Naperville Investor Center to assist clients in developing personalized financial plans aimed at achieving their goals. He has experience as a Relationship Manager at Fidelity Investments from 2024 to 2025 and served as a Financial Representative at Fidelity Investments from 2023 to 2024. Outside of his professional role, Ben has interests in cooking and baking, fitness, movies, and reading.

Andrew Garcia is a financial advisor at Edward Jones with eight years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Investment Distributors, Inc., Concourse Financial Group Securities Inc., and Protective Life Insurance Company. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, affiliated mutual funds, and operates under a fiduciary standard.

Mark Musaraca is a financial advisor with Wells Fargo Advisors in Naperville, IL, holding the CFP® designation and Series 63 and 65 licenses. He has 41 years of industry experience, including prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory work, he holds ownership interests in several investment-related businesses and farms. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm uses Wells Fargo research and planning tools to deliver tailored recommendations across various financial planning areas, with optional implementation through brokerage or advisory programs.

Steven Bergmann is a financial advisor with LPL Financial in St. Charles, IL, holding Series 63 and Series 65 credentials and 40 years of industry experience. He has been with LPL Financial since 2003 and previously worked at Equitable Advisors from 1999 to 2003. Bergmann also provides notary services and sells non-variable insurance products to clients. 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 third-party asset management, with a focus on combining scale and diverse financial offerings alongside its advisory platform.

Chad Kreifel is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at JP Morgan Chase Bank, J.P. Morgan Securities, and Chase Investment Services Corp. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and third-party asset management, supported by a large network of investment adviser representatives and advanced operational tools.

Samuel Roller is a financial advisor with Thrivent Investment Management in Geneva, IL, holding Series 63 and Series 65 licenses and with two years of industry experience. His prior work includes roles at DHI Mortgage Company and Moody Bible Institute. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based analyses and written recommendations across a broad range of planning topics without including implementation of those recommendations.

Noah Bischoff is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of experience in the industry. Prior to joining Fidelity, he held positions at firms including RNL ScaleFunder and has a diverse background with roles in various sectors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio construction using proprietary fundamental research combined with quantitative and algorithmic methods.

Dennis Riley is a financial advisor with Primerica Advisors in Bensenville, IL, holding Series 63 and Series 65 licenses and over 25 years of industry experience. He has been with Primerica Advisors since 2000 and previously worked at H&R Block for one year. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies and acts as a representative for United Health Care. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed account options. The firm employs third-party asset managers and offers a tiered wrap-fee structure while maintaining oversight of its investment models.

Zachary Marshall is a Financial Consultant currently working at Fidelity Investments since 2020. He has accumulated over 35 years of experience in the financial industry, including more than 20 years with Fidelity. His career includes roles such as Senior Financial Advisor at Merrill Lynch from 2012 to 2020, Investment Advisor at UBS Financial Services from 2008 to 2012, and Vice President of the Private Client Group at Fidelity Investments from 1989 to 2008. Zachary focuses on taking a holistic approach to financial planning by working closely with clients to develop investment strategies that align with their objectives. He emphasizes matching client needs to Fidelity's diversified investment platform to build sound financial plans aimed at accomplishing individual goals. Outside of his professional work, Zachary has interests in football, gardening, hiking, pets, and table tennis.

Sarah Deskovich is a financial advisor with LPL Financial in Downers Grove, IL, holding a Series 66 credential and 13 years of industry experience. Her prior experience includes roles at JPMorgan Securities LLC and Wells Fargo Clearing Services LLC. She is also involved with Partnerland LLC, a non-investment business entity. 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 services including financial planning, asset management programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.