Chicago, IL E. Wacker Drive Office

Steven Josephson is a financial advisor at Bankers Life Advisory Services, Inc. in Chicago, IL, with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bankers Life Advisory Services and Bankers Life Securities since 2017, following a 12-year tenure at Harris Investor Services, Inc. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis in its investment approach.

Kevin Torres is a financial advisor with Bankers Life Advisory Services, Inc. in Chicago, IL, holding Series 66 and Series 63 licenses and bringing six years of industry experience. His prior employment includes roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., and Monere Investments, Inc. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations and ongoing portfolio management aligned with clients’ goals and risk profiles.

Pete Pendleton is a financial advisor with Bankers Life Advisory Services, Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining Bankers Life Advisory, his work history includes roles at Foodliner Inc, YRC Freight Inc, and several other companies. Bankers Life Advisory Services, Inc. provides investment advisory and retirement plan consulting services primarily for mass-affluent and high-net-worth individuals. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations and manages portfolios across various asset classes with periodic reviews and rebalancing.

Cary Margolis is a financial advisor at Bankers Life Advisory Services, Inc. with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Western International Securities, Inc. and National Planning Corporation. Margolis is based in Chicago, IL. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to create customized portfolios aligned with clients’ goals and risk tolerances.

Elizabeth Bort is a financial advisor with Bankers Life Advisory Services, Inc. in Chicago, IL, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She has worked at Bankers Life Advisory Services and Bankers Life Securities since 2017 and previously served at BMO Harris Financial Advisors from 2013 to 2017. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, non-discretionary investment consulting, and retirement plan consulting. The firm employs fundamental, technical, and cyclical analysis to create tailored asset allocations and manages portfolios across various securities with a focus on client goals and risk tolerances.

Cheryl Heilman is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. She has worked at CNO Financial Group, Bankers Life Advisory Services, Bankers Life Securities since 2019, and previously spent 16 years with Ameritas Investment Corp. Heilman serves as President of Bankers Life Advisory Services in Chicago and is Vice President of CNO Financial Group. Bankers Life Advisory Services provides discretionary portfolio management, investment consulting, and retirement plan consulting primarily to mass-affluent and high-net-worth individuals. The firm emphasizes customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis in its investment process.

Erin Calabrese is a financial advisor with Bankers Life Advisory Services, Inc. in Chicago, IL, holding a Series 66 designation and 21 years of industry experience. She has worked at Bankers Life Securities since 2017 and Bankers Life & Casualty since 2016. In addition to her advisory role, she serves as a Field Development Manager for Bankers Life, supporting the training and development of the field force. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs fundamental, technical, and cyclical analysis methods to provide tailored asset allocations and portfolio management aligned with clients’ goals and risk tolerances.

Jake Nelson is a financial advisor with Bankers Life Advisory Services, Inc. in Chicago, IL. He holds a Series 66 designation and has eight years of industry experience, including prior roles at Edward Jones and Bankers Life Securities, Inc. Outside of his advisory work, he also works part-time as a server and delivery driver at Leona's Restaurant. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan services. The firm employs fundamental, technical, and cyclical analysis methods to tailor asset allocations and portfolio management to client goals and risk tolerance.

Kristie Elstrom is a financial advisor with Bankers Life Advisory Services, Inc. in Chicago, IL, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. She previously worked at Harris Investor Services, Inc. for 12 years before joining Bankers Life Securities in 2019. Outside of her advisory role, she has experience as a landlord. Bankers Life Advisory Services, Inc. provides discretionary portfolio management, investment consulting, and retirement plan consulting primarily to mass-affluent and high-net-worth individuals. The firm’s investment process includes customized asset allocation, periodic rebalancing, and a combination of fundamental, technical, and cyclical analysis to guide portfolio management.

Raymond Kelly Jr. is a financial advisor with Bankers Life Advisory Services, Inc. based in Chicago, IL, holding a Series 66 designation and 24 years of industry experience. He has worked with Bankers Life and related entities since 2018 and previously with Allianz Life Financial Services LLC and Allianz Life of North America. Outside of his advisory role, he is involved in freelance digital marketing of health and fitness products, a hobby project he manages with his children. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm combines fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management according to clients’ goals, risk tolerances, and time horizons.

Mark Brennan is a financial advisor with Bankers Life Advisory Services, Inc. in Chicago, IL, holding Series 63 and Series 65 credentials and possessing 21 years of industry experience. His prior roles include positions at Bankers Life Securities, PM Radio/Radio America, and Fidelity Brokerage Services. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan services. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored investment strategies aligned with clients’ goals and risk tolerances.

Rosemary Claudio is a financial advisor at Bankers Life Advisory Services, Inc. with five years of industry experience and a Series 65 credential. She has been with Bankers Life Advisory Services since 2020 and has held related roles at Bankers Life Securities, Inc. and Bankers Life and Casualty Company since 2011. In addition to her advisory work, she is an insurance agent at Bankers Life and Casualty Company. Bankers Life Advisory Services provides discretionary portfolio management, investment consulting, and retirement plan consulting primarily to mass-affluent and high-net-worth individuals. The firm’s investment approach focuses on customized asset allocation, periodic rebalancing, tax efficiency, and a combination of fundamental, technical, and cyclical analysis to guide portfolio decisions.

Christopher Moreno is a financial advisor with Bankers Life Advisory Services, Inc. He holds the Series 66 designation and has 22 years of industry experience. Moreno previously worked at Next Financial Group, Inc. for 13 years before joining Bankers Life Advisory Services and Bankers Life Securities in 2023. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm focuses on customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis to guide investment decisions.

Charles Kaufmann is a financial advisor at Bankers Life Advisory Services, Inc. He holds a Series 66 designation and has been with the firm since 2026. His prior experience includes roles at Bella Via Restaurant and Meadows Golf Course. Bankers Life Advisory Services, Inc. primarily serves mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management according to clients’ goals and risk tolerances.

Brett Kelly is a financial advisor with Bankers Life Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has 21 years of industry experience. Prior to his current role since 2019, he worked at Foresters Financial and Foresters Advisory Services LLC from 2013 to 2019. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm focuses on customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis to guide investment decisions.