Nancy Young is a financial advisor with Morgan Stanley in Chicago, Illinois, holding Series 63 and Series 65 credentials and 48 years of industry experience. She has worked at various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of her advisory work, she serves as a Leader Council member for Mercey Home for Boys and Girls. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, to assist in financial planning.

Sean Lannan is a financial advisor with Morgan Stanley in Chicago, IL, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1996. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, specializing in tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery and firm-approved tools.

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.

Nathaniel Viberg is a financial advisor at Charles Schwab in Chicago, IL, holding Series 63 and Series 65 credentials with four years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, Fidelity Investments, and J.P. Morgan Securities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management backed by multi-asset model portfolios and a centralized operational structure.

Darek Chlipala is a financial advisor with Cetera in Lombard, IL, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He previously worked at Foresters Financial and Foresters Advisory Services before joining Cetera in 2019. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, accommodating both discretionary and non-discretionary strategies with over $256 billion in assets under management.

George Delgiudice is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Wayne Hummer Investments LLC and J.P. Morgan Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, featuring both discretionary and non-discretionary management supported by model portfolios and research.

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.

David Purkey is a financial advisor with Morgan Stanley in Chicago, IL, holding a Series 66 designation and 14 years of industry experience. He has been with Morgan Stanley since 2012 and also works with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he operates a small eBay business selling personal items. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and guided by the Global Investment Committee’s research. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and financial services.

Alexander Choi is a financial advisor at Morgan Stanley in Chicago, holding a Series 66 credential with two years of industry experience. His background includes roles at Morgan Stanley, GoPuff, PGA Tour Superstore, and Amazon, as well as work related to Ohio State University. Morgan Stanley Wealth Management serves both individual and institutional clients, providing comprehensive financial planning and advisory services supported by structured discovery processes and firm-approved planning tools. The firm manages a broad range of client assets and offers various investment programs without providing individual security recommendations as part of standalone financial plans.

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, 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 several positions linked to the University of Illinois and local businesses. He also operates under the DBA Optimal Planning Partners, Inc. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm utilizes LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage 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.

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.

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.

John Stoken is a CFP®-certified financial advisor with 25 years of industry experience, currently with Ameriprise in Chicago, IL. His prior roles include positions at IHT Wealth Management LLC, LPL Financial, JP Morgan Securities LLC, and Charles Schwab. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

John Anderson is a financial advisor with Equitable Advisors in Oak Park, IL, holding a Series 66 designation and 24 years of industry experience. He has been with Equitable Advisors since 2001, previously affiliated with Axa Advisors. Outside of his advisory role, he serves as Vice Chairman on the Board of Directors for 100 Black Men of Chicago Inc., a youth mentoring group focused on economic empowerment initiatives. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals and risk tolerance.

Eric Kitchell is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds the Series 66 designation and has worked within various Morgan Stanley entities since 2010, including Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by structured planning tools and investment models.