Richard Augustine Sr. is a financial advisor with OSAIC based in Schaumburg, IL, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior roles include positions at SagePoint Financial, Lincoln Financial Advisors, and Austin Bancorp. In addition to his advisory work, he serves as president of R.J. Augustine & Associates, Ltd., a corporation offering tax, accounting, and strategic business planning services, and he is the treasurer of the Founders Club Homeowners Association. OSAIC serves a diverse client base that includes individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and risk-assessment methods to manage portfolios across various asset classes on discretionary and non-discretionary bases.

Michael Procaccio II is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and eight years of industry experience. He has worked at multiple firms, including Pro Financial Services Group, Inc. and The Procaccio Corporation, and is involved in managing Jimmy John’s franchise operations. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large nationwide network of independent advisors.

Julia Pierre Louis is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, offering a range of advisory and brokerage services.

Louis Gottlieb is a financial advisor at Osaic with 28 years of industry experience. He holds a Series 66 credential and has been with Osaic since 2007. In addition to his advisory role, Gottlieb is a partner at Gottlieb Advisory Group, LLC, where he assists clients with life insurance, long-term care, and annuity services. He also serves as Secretary of The Delaware Valley Fairness Project, a nonprofit focused on advancing equality, education, and support for disadvantaged populations. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and third-party managers to construct portfolios across various investment types and account management styles.

Matthew Goldhaber is a financial advisor with Fisher Investments in Lake Forest, IL. He holds a Series 66 designation and has 20 years of industry experience, including 19 years with Fisher Investments. Outside of his advisory role, he serves as a member of the Board of Trustees for Temple Am Shalom, a religious organization. Fisher Investments serves a global client base of institutional and private investors, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and manages risk using various tactical and tax-aware strategies.

Michael Barwacz is currently a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity since 2019, serving previously as a Planning Consultant from 2021 to 2024 and as a Relationship Manager from 2019 to 2021. Prior to joining Fidelity, Michael worked as a Premium Investment Consultant for Merrill Edge between 2017 and 2019. Michael brings over 40 years of experience in the financial industry. His background includes a decade as Director of Retail Trading at TD Ameritrade from 2007 to 2017 and over two decades as a Market Maker at the Chicago Board Options Exchange from 1984 to 2007. This extensive experience supports his focus on building comprehensive financial plans tailored to individual goals. Outside of his professional work, Michael enjoys activities such as cooking and baking, family engagements, fitness, football, music, and photography.

Benjamin Gottlieb is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Schaumburg, Illinois. He specializes in working with businesses on retirement, benefit, executive, and equity compensation program needs, supporting companies and individuals in developing retirement programs specific to their plan design. As part of a team, he follows a methodical process to review current plans and look for opportunities to improve technology, reporting, fees, and risk management to help companies fulfill their fiduciary responsibilities. Ben began his career in the financial services industry in 2008. He is a member of the Institutional Advisory Council (IACTM) at Merrill, which includes retirement and institutional designated advisors who provide input to firm management. Ben holds several professional designations, including Certified 401(k) Professional (CkP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated from the Robert H. Smith School of Business at the University of Maryland and completed the UCLA Anderson School of Management Executive Education Program in 2018. Ben lives in the Northwest Suburbs of Illinois with his wife, Kristen, and their three children, Charlotte, Jack, and Taylor. In his free time, he enjoys football, golf, hockey, activities that help animals, and spending time with his family. He is involved with community organizations such as the Humane Society, Love for Liam, and the Make-A-Wish Foundation.

Aruna Sriram is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. She has held roles at J.P. Morgan Securities since 2012 and at JPMorgan Chase Bank, N.A. since 2005. She holds Series 63 and Series 66 designations. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm’s approach combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Sofiya Semanyshyn is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Her prior roles include positions at Vermillion Financial Advisors and Le Colonial, as well as academic experience at the University of Illinois Urbana-Champaign. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stephen Lerner is a Series 66-licensed financial advisor with nine years of industry experience. He has worked at OSAIC since 2025 and previously spent nine years at Lincoln Financial Advisors. Outside of his advisory role, Lerner is involved with The Next Level Planning Group as a financial planner, supporting senior planners and assisting with financial plan preparation for high-net-worth clients. OSAIC serves a diverse client base including individuals, institutional investors, and charitable organizations through a wide network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct diversified portfolios managed on discretionary or non-discretionary bases.

Gary Phelps is a financial advisor with Stifel in Barrington, IL, holding Series 63 and Series 65 licenses and having 27 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of advisory work, he is a Notary Public, notarizing documents for clients. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Jonathan Laven is a Series 66-licensed financial advisor with Equitable Advisors in Northbrook, IL, where he has worked since 2003, accumulating 22 years of industry experience. Prior to Equitable Advisors, he was affiliated with Axa Advisors, LLC. He serves on the board of directors for the Zacharias Sexual Abuse Center, advising the organization on supporting survivors of abuse. 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 various third-party managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Maja Sobolewska is a financial advisor with LPL Enterprise, holding a Series 66 designation and 20 years of industry experience. Her prior roles include positions at Equitable Advisors, Axa Advisors LLC, The Prudential Insurance Company of America, and Pruco Securities LLC. She also sells health insurance through Blue Cross Blue Shield on a part-time basis. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory and brokerage services, and access to model portfolios and third-party asset managers through an integrated platform that combines adviser programs with insurance and lending solutions.

Frank Difino is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has a longer tenure at JPMorgan Chase Bank, N.A. dating back to 2007. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by centralized due diligence and ESG eligibility processes.

Jason Brim is a financial advisor with Charles Schwab, holding a Series 66 credential and seven years of industry experience. His prior work includes roles at National Life Group and Lakeshore Financial Group. Outside of advising, he owns farmland in Central Illinois that he rents out for agricultural use. Charles Schwab & Co., Inc. serves mainly high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a blend of non-discretionary and discretionary investment management along with integrated custody and brokerage services.

Kent Atkinson is a financial advisor with Morgan Stanley in Barrington, IL, holding Series 63 and Series 65 designations and having 41 years of industry experience. He has worked with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he manages a rental property in Crystal Lake, IL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs and financial planning services to individuals and institutional clients. The firm employs a structured planning process and serves clients through both direct and corporate financial planning agreements.

Lushone Bennett is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at UBS Financial Services Inc. for 13 years prior to joining Morgan Stanley in 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and 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 financial planning process supported by proprietary tools and the Global Investment Committee’s market outlooks.

Donald Sakamoto is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 37 years of industry experience. He has been with LPL Financial since 2014 and previously worked at Level Four Advisory Services, LLC. Outside of his advisory role, he owns and operates CMDS Insurance Brokerage and is involved with Level Four Insurance Services, LLC, which offers non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Yekaterina Teryokhina is a financial advisor at Morgan Stanley in Deerfield, IL, holding a Series 66 designation with two years of industry experience. Her prior roles include positions at Osaic FA, Inc., Ayco (Goldman Sachs), and AXA Equitable. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate Financial Planning agreements.

Andrew Fine is a financial advisor at Morgan Stanley with Series 65 and Series 63 credentials. He joined Morgan Stanley Private Bank, N.A. in 2026 and has prior work experience at Medline Industries and Horizon Therapeutics. Morgan Stanley Wealth Management provides advisory services and financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and proprietary planning tools, although clients are responsible for plan implementation and updates.