Robert Sullivan is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63, 65, and 66 licenses. His prior experience includes roles at PNC Financial Services, Northern Trust Securities, Citigroup Global Markets, and various divisions within Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate strategies, supported by a structured planning process and firm-approved analytical tools.

Michael Kalas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 41 years of industry experience. He previously worked at Stifel for 11 years before joining Wells Fargo Clearing in 2018. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment offerings.

Stephen Wendling is a financial advisor with J.P. Morgan Securities in Evanston, IL, holding Series 63 and Series 66 registrations and bringing 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has a role at JPMorgan Chase Bank, N.A. since 2009. Outside of finance, he is involved in restaurant and food service consulting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence combining quantitative and qualitative research.

Peter Rybinski is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 66 and Series 63 licenses. His prior experience includes roles at Northern Trust and Harbor Capital Advisors, and he was previously involved with Bugbyte AI LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence with quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Julie Segerson is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 65 designations and has 22 years of industry experience. She has been associated with multiple related entities since 2004, including Associated Planning Services, Inc., where she also works as an independent insurance agent. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm offers both discretionary and non-discretionary management across multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Denice Piazza is a CFP® with 45 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2010. Her prior experience includes roles at Northwestern National Life Insurance Company and Gustin Insurance Agency, where she has worked since the early 1980s. Outside of her advisory work, she is co-author of the book "Winning Financial Strategies for Women" and is involved in horse racing ownership through Black Galleon Horse Racing LLC. Cambridge Investment Research Advisors, Inc. provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs to a diverse client base including individuals, pension plans, and charitable organizations. The firm operates a multi-billion dollar asset base through thousands of financial professionals and offers both discretionary and non-discretionary portfolio management across multiple platforms.

Adam Warkenthien is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and J.P. Morgan. He serves on the board of Ravinia Associates, a nonprofit focused on arts and culture. 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, offering tailored financial planning supported by firm-approved tools and strategies.

Matthew Voss is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and six years of industry experience. He has worked at J.P. Morgan Securities since 2020 and previously at JPMorgan Chase Bank and LA Fitness. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Ronald Schwartz is a financial advisor at Morgan Stanley with 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. He holds the Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Deborah Kraak is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at JPMorgan Securities LLC and Tout A L'heure. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to tailor client solutions.

Mary O'Brien is a Series 66-licensed financial advisor with 16 years of industry experience. She has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a team of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

S. Randall Pavlatos is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 38 years of industry experience. He has been with Cetera and its affiliated entities since 1988 and is currently the owner of S. Randall Pavlatos Accounting & Financial Services, Inc., a financial and accounting services firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services across multiple program structures, managing over $256 billion in assets.

Lucy Lu is a financial advisor with LPL Enterprise LLC and holds a Series 66 designation. She has previously worked at Standard Chartered Bank Singapore and has been involved with Brightrock LLC and Alinks LLC concurrently for over a decade. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm utilizes a model-driven investment approach and offers access to third-party asset managers, financial planning, and non-securities products such as trust custody and insurance services.

Thomas Waters is a financial advisor with Equitable Advisors in Deerfield, Illinois. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to joining Equitable Advisors, he was self-employed for ten years. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset management programs. The firm employs a range of third-party advisory models and proprietary services delivered through its network of Investment Adviser Representatives.

Nelson Cruz Jr. is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2016. Outside of his advisory role, he has owned and managed a rental property since 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm integrates quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities.

Jaime Freeman is a financial advisor at J.P. Morgan Securities with four years of industry experience. Prior to joining J.P. Morgan in 2022, she worked at BMO Harris Bank NA for 16 years. Freeman serves on the boards of the Ravinia Festival, a nonprofit music venue, and Writers Theatre, where she is the Board Chair. 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 combines quantitative and qualitative research in its advisory process and incorporates ESG criteria in its recommendations.

Anthony Iacullo is a financial advisor with Cetera holding a Series 66 credential and one year of industry experience. He previously worked with Christopher P. Iacullo & Co., where he provides tax preparation services. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with discretionary and non-discretionary program options.

Rod Loewenthal is a financial advisor with UBS Financial Services in Northbrook, IL, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He previously worked at Merrill for 22 years before joining UBS in 2017. Outside of his advisory role, Loewenthal serves on the Philanthropic Fund Committee of the Jewish United Fund and is involved with the District 112 Education Foundation, as well as serving as a political co-chair for the American Israel Public Affairs Committee’s Chicago donor efforts. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

James Tippet is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior work includes seven years at Origami Risk and shorter tenures at Alicona and Alight. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Paul Skowronski is a Wealth Management Advisor with Merrill Lynch Wealth Management. With over 30 years of experience in the financial services industry, he specializes in areas such as college education planning, legacy planning, personal retirement planning, and portfolio management services. Paul holds several professional designations, including the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Life Underwriter (CLU), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Paul earned both his Bachelor's degree and Master of Business Administration (MBA) in Finance from DePaul University. He is involved with professional organizations such as the Bull Valley Golf Club and the Union League Club. Additionally, he contributes to the community as a mentor in the Alumni Sharing Knowledge (ASK) program at DePaul University. Outside of his professional work, Paul enjoys playing baseball, gardening, golfing, listening to music, reading, and spending time with his family.