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 at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. Outside of his advisory role, he is involved in restaurant and food service consulting. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting, delivered alongside affiliated brokerage and investment management capabilities.

Peter Rybinski is a financial advisor with J.P. Morgan Securities holding Series 63 and Series 66 designations and three years of industry experience. His prior roles include positions at Northern Trust and Harbor Capital Advisors, as well as involvement with Bugbyte AI LLC. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the larger J.P. Morgan organization and offers non-discretionary advisory services focused on approved funds and strategies.

Julie Segerson is a financial advisor with Cambridge Investment Research Advisors in Arlington Heights, IL, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. She has been associated with Cambridge Investment Research Advisors and related entities since 2004. In addition to her advisory work, Segerson serves as an independent insurance agent with Associate Planning Services, Inc. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, retirement plans, nonprofit organizations, and trusts. The firm offers a range of financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing various portfolio management platforms and proprietary as well as third-party investment strategies.

Denice Piazza is a CFP® professional with 45 years of experience in the financial services industry. She has worked with Cambridge Investment Research Advisors since 2010 and has a background that includes Northwestern National Life Insurance Company and Gustin Scharff Financial Services. Outside of her advisory role, she is involved with WealthPlanners LLC as a co-author of the book "Winning Financial Strategies for Women" and participates in horse racing ownership through Black Galleon Horse Racing LLC and Racing Cats, LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a large network of independent professionals. The firm provides a variety of investment platforms and proprietary model strategies, with options for discretionary and non-discretionary management tailored to client objectives.

Adam Warkenthien is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at major firms including Bank of America, Merrill, and J.P. Morgan Chase. Outside of his advisory role, he serves as a board member for Ravinia Associates, a nonprofit focused on arts and culture in Highland Park, Illinois. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning and manages approximately $2.74 trillion in client assets.

Matthew Voss is a financial advisor with J.P. Morgan Securities in Winnetka, IL, holding Series 63 and Series 66 licenses and having five years of industry experience. Prior to joining J.P. Morgan Securities in 2020, he worked at JPMorgan Chase Bank, N.A. and previously spent four years at LA Fitness. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

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 financial advisor with J.P. Morgan Securities in Glenview, IL, holding a Series 66 designation and 16 years of industry experience. She has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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 at LPL Enterprise with a Series 66 designation and no prior industry experience. Before joining LPL Enterprise in 2026, she worked at Standard Chartered Bank Singapore from 2022 to 2024 and has been associated with Brightrock LLC and Alinks LLC since 2015 and 2014, respectively. 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, as well as access to model portfolios and third-party asset management through an integrated platform that combines adviser programs with other financial products.

Thomas Waters is a financial advisor with Equitable Advisors in Deerfield, IL. He holds Series 63 and Series 65 licenses and has been in the industry since 2025. Prior to joining Equitable Advisors, he worked independently for ten years. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset 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.

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 licenses and has worked at 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 LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Jaime Freeman is a financial advisor with J.P. Morgan Securities, holding a Series 66 license and four years of industry experience. Prior to joining J.P. Morgan in 2022, she worked at BMO Harris Bank NA for sixteen years. Freeman serves on the boards of the Ravinia Festival, a nonprofit music venue, and Writers Theatre, where she is Board Chair. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

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.

Michael Cardella is a financial advisor at Edward Jones in Niles, IL, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2024, he worked at Adam Jurs State Farm for one year. Outside of his advisory role, he has worked as a server and cook at Harp and Fiddle, a restaurant in Park Ridge, IL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

John Bochniak is a financial advisor with Merrill in Lake Forest, IL, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Bank of America and AXA Advisors. Outside of his advisory work, he participates as a test subject in a Phase III clinical trial for an experimental drug. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.