Matthew Alexander is a CFP® professional with seven years of industry experience. He is currently affiliated with LPL Financial and has held roles at firms including SagePoint Financial, Third Street Advisors, and OSAIC. Alexander is also associated with Alpha Dog Advisors, a business entity he established for tax and investment purposes. 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 variety of advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management supported by research and model portfolios.

Yifan Bian is a financial advisor at LPL Enterprise with eight years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charities, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a broad range of brokerage and insurance products via its integrated platform.

Nicholas Beis is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and previously worked at Wilson & Wilson Estate Planning & Elder Law LLC and Bellock & Coogan Ltd. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm manages a variety of investment structures, including model portfolios and fund-of-funds, and is noted for its use of systematic methodologies and formal governance procedures.

Todd Sulzer is a financial advisor with Ameriprise in Downers Grove, IL, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliate since 2002. Outside of advising, he assists with the operation of an existing tax practice. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Darek Chlipala is a financial advisor at Cetera with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cetera since 2019, following a 17-year tenure at Foresters Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors and operates a multi-manager platform with access to affiliated and third-party money managers.

George Delgiudice is a financial advisor at LPL Financial with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Wayne Hummer Investments LLC, J.P. Morgan Securities, Chase Investment Services Corp., and Banc One Securities Corporation. 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 financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by extensive research and technology.

James Jasper is a financial advisor with Mass Mutual Investors Services in Lisle, Illinois, holding Series 63 and Series 66 licenses with 19 years of industry experience. He has worked with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2013. In addition to his advisory role, he is licensed as a life and health insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, using firm-approved software and collaborative annual planning processes to provide investment recommendations.

Bharati Thakkar is a financial professional with 13 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 65 credentials and has worked with Cetera Investment Advisors LLC since 2020 and Cetera Financial Specialists since 2013. Outside of her advisory role, she is involved as an assistant in accounting, tax, and financial services at Vijay Thakkar and Associates Ltd. Cetera Investment Advisors LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options, financial planning services, and access to third-party money managers.

Thomas Mc Cartney is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 63 and Series 66 designations and has 30 years of industry experience. Prior to his current role, he was associated with M Holdings Securities, Inc. and operated his private wealth management practice through My Advisor & Planner LLC. Outside of advisory work, he manages MAP Professional Building LLC, a family-owned business. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm uses risk profiling and analytical modeling to tailor non-discretionary planning and encourages implementation through its advisory programs or other providers.

Christopher Lam is a financial advisor with Charles Schwab holding a Series 66 designation and four years of industry experience. His prior work includes roles at Fidelity Investments, Progressive Insurance, and T-Mobile. 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. Schwab offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Humberto Raya Vazquez is a Financial Advisor at Merrill Lynch Wealth Management, specializing in bespoke wealth strategies, multidisciplinary financial planning, and customized investment solutions for individuals and families. He combines a foundational background in retail banking with an international perspective to assist clients in navigating complex financial landscapes. Humberto began his career in financial services as a bank teller and progressed through various operational and client-facing roles before transitioning to financial advising. This experience has provided him with a comprehensive understanding of banking, lending, and advisory processes. With over eight years in the financial services industry, Humberto holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He approaches wealth management by understanding each client's unique goals, values, and life priorities, creating tailored strategies aligned with their specific risk tolerance and long-term objectives. Humberto emphasizes discipline, patience, and a long-term perspective to help clients achieve financial freedom and lasting success. Humberto's personal interests include football, hunting, soccer, spending time with his family, swimming, and traveling. He is bilingual in English and Spanish and holds a High School Diploma from Parkway High School.

Todd Raclaw is a financial advisor with Raymond James Financial Services, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Raymond James and its affiliates since 2011. Outside of his advisory role, he is president of Todd Raclaw Investments, LLC, a support company established for payroll purposes. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools to assist clients with goal-based investment decisions.

William Fitzgerald IV is a financial advisor with Equitable Advisors in Oak Brook, IL, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior work includes roles at AXA Advisors, Northwestern Mutual Investment Services, and various positions in the education and recreation sectors. Equitable Advisors serves individual clients—including both non‑high-net-worth and high-net-worth individuals—along with pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a range of proprietary and third-party advisory solutions.

Joseph Mardirosian is a financial advisor at Morgan Stanley with a Series 66 designation and experience dating back to 2015. His career includes roles at U.S. Bank Global Fund Services, RSM US LLP, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Devin Price is a financial advisor at Edward Jones in Lombard, IL, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he served five years in the United States Army and worked at McMaster-Carr. He is currently applying to join the Military Academy Liaison Officer program, where he would volunteer to assist students with West Point and ROTC applications. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices across the United States.

Karen Montemayor is a Financial Consultant at Fidelity Investments, a position she has held since 2022. In her role, she focuses on understanding her clients' personal, professional, and financial goals to develop comprehensive financial plans tailored to their needs. She works closely with clients throughout the implementation and ongoing adjustment of these plans. Prior to her current role, Karen worked as a Financial Advisor at Northwestern Mutual from 2017 to 2019. Her experience encompasses providing financial advisory services aimed at supporting clients in achieving their financial objectives. Karen emphasizes building strong relationships with her clients to adopt a holistic approach in financial planning. Further details regarding her education, credentials, personal interests, or community involvement have not been provided.

Mark Giovanazzi is a financial advisor with Morgan Stanley in Orland Park, IL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients. The firm utilizes structured financial planning tools and proprietary modeling techniques, managing approximately $2.74 trillion in client assets.

Stephen Williams is a CFP® professional at Thrivent Investment Management with 28 years of industry experience. His career includes positions at Harris Investor Services, Inc and Huntington Bank prior to joining Thrivent. He is based in Naperville, IL. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm focuses on holistic, goal-based planning across various financial topics, offering these services either on a one-time or ongoing basis.

John Ciullo is a financial advisor with Ameriprise in Oakbrook Terrace, IL, holding a Series 66 designation. He joined Ameriprise in 2025 and has prior experience working in various roles outside the financial industry, including positions at Indiana University and several food service businesses. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources, tax-aware withdrawal strategies, and Social Security claiming options. The firm’s approach integrates proprietary investment research and third-party data within a structured advisory framework.

Thomas Mc Hugh is a Series 66-licensed financial advisor at J.P. Morgan Securities with two years of industry experience. Prior to joining J.P. Morgan Securities, he worked at US Bancorp and Jpmorgan Chase Bank. Outside of his advisory role, he coaches girls varsity basketball at Crown Point Community Schools and has over a decade of experience coaching youth basketball. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations that clients execute on a non-discretionary basis.