Five Star Wealth Managers - Five Star Professional

Five Star Wealth Managers - Five Star Professional

SPECIAL ADVERTISING SECTION ­ 2015 Chicago ©FIVE STAR PROFESSIONAL Five Star ©FIVE STAR PROFESSIONAL Wealth Managers ©FIVE STAR A Select PROFESSIONAL...

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SPECIAL ADVERTISING SECTION ­

2015 Chicago ©FIVE STAR PROFESSIONAL Five Star ©FIVE STAR PROFESSIONAL Wealth Managers ©FIVE STAR A Select PROFESSIONAL Award ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Determination of Award Winners ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Research Disclosures ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Finding a wealth manager who suits your needs can be a daunting task. In fact, many consumers have a hard time figuring out where to even begin.

Sometimes, a few simple questions can set one off on the right path. Asking a wealth manager what makes working with him or her a unique experience can help you understand how they work and if their style meshes with your own. Further, asking a financial advisor to talk about any specialties they might have can help uncover skills you might find useful.

Ultimately, how do you find an experienced wealth manager who you feel comfortable working with? One who has high retention rates? One who has undergone a thorough complaint and regulatory review? One who has tenure in the industry? Chicago magazine and Five Star Professional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria. Among many distinguishing attributes, the average one-year client retention rate for this year’s award winners is more than 96 percent. Although this list is a useful tool for anyone looking for help in managing their financial world or implementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many excellent wealth managers who, for one reason or another, are not on this year’s list.

In order to consider a broad population of high-quality wealth managers, award candidates are identified by one of three sources: firm nomination, peer nomination or pre-qualification based on industry standing. Self-nominations are not accepted. Chicago award candidates were identified using internal and external research data.

Award candidates who satisfied 10 objective eligibility and evaluation criteria were named 2015 Five Star Wealth Managers.

Eligibility Criteria – Required

Evaluation Criteria - Considered

1. Credentialed as an investment advisory representative or a registered investment advisor.

6. One-year client retention rate.

2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years.

8. Non-institutional discretionary and/or non-discretionary client assets administered.

7. Five-year client retention rate.

3. Favorable regulatory and complaint history review.

9. Number of client households served.

4. Fulfilled their firm review based on internal firm standards.

10. Education and professional designations.

5. Accepting new clients.

• Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. • The Five Star award is not indicative of the wealth manager’s future performance.

• Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets.

• The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or Chicago magazine. • Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. • Five Star Professional is not an advisory firm, and the content of this article should not be considered financial advice. For more information on the Five Star award and the research/selection methodology, go to www.fivestarprofessional.com.

• 5,833 award candidates in the Chicago area were considered for the Five Star Wealth Manager award. 716 (approximately 13 percent of the award candidates) were named 2015 Five Star Wealth Managers.

Regulatory Review

As defined by Five Star Professional, the wealth manager has not: • Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine. • Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process. • Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority. • Filed for personal bankruptcy. • Been convicted of a felony.

Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website. Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists. Data submitted through these processes was applied per the above criteria: • Each wealth manager who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history, based upon the criteria listed above. • Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager. • Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use the services of wealth managers in order to provide consumers the opportunity to submit complaints regarding a wealth manager.

For more information on the program, go to www.fivestarprofessional.com/wm_program.

www.fivestarprofessional.com — FS

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Five Star Wealth Manager

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JMG Financial Group, Ltd.

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Left to right: First row: 2015 winner Dennis R. Marx, CPA/PFS; two-year winner Michelle P. Rozsypal, CFP®, CDFA™; three-year winner Melissa A. Walsh, CPA; four-year winners Robert T. Meeks, Co-CIO, J.D., and Marita A. Sullivan, CEO, CPA; Yonhee C. Gordon, COO, CFP®; 2015 winner William G. Waight, Co-CIO, CFP® Second row: Two-year winner Jason R. O’Hallen, CFP®; four-year winners Anthony D. Cecchini, CCO, CFP®, J.D.; Douglas R. Evans, President, CFP®; and David S. Morgan, CFP®, CPA, CDFA™ Third row: Four-year winner William E. Dever, Jr., CFP®, CPA; two-year winner Joseph M. Menconi, CFP®; 2015 winner Matthew J. Grubb, CFP®; two-year winner William R. German, CFP®; 2015 winner Justin H. Lesch, CFP®

FS • 2 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Our reputation is built on the successful integration of flexible, value-added service. • Investment management

• Comprehensive financial planning • Proactive income tax planning

Registered Investment Advisory Firm, Member of NAPFA

With clients throughout the country, we are large enough to offer institutional-grade products and services yet small enough to ensure that all of our clients receive the personal attention they deserve. We offer an exceptional breadth and depth of customized, comprehensive financial services that include investing, wealth structuring, and tax and estate planning.

2301 West 22nd Street, Suite 300 | Oak Brook, IL 60523 155 North Wacker Drive, Suite 4350 | Chicago, IL 60606 Office: 630-571-5252 www.jmgfinancial.com

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if JMG is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of JMG by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

www.fivestarprofessional.com — FS

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The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

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Balasa Dinverno Foltz LLC

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Left to right: First row: Three-year winner Heather Locus; four-year winners Matt Reznik, Julie Bucaro and Justin Peacock; two-year winner Jen Dawson; four-year winner Armond Dinverno Second row: Three-year winners Mike Foltz and Gary Pattengale; four-year winner Mark Balasa; three-year winner Tom Collar; four-year winners John Smith and Jim King; Third row: 2015 winner Chad Carlson; three-year winners Nick Cosky and Matt Mikula; Casey Shaw (Not pictured: Two-year winner Chuck Neff) Photo taken by Randy Belice

FS • 4 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Our mission is simple: We help people make sound decisions to enjoy a full life. And it drives everything we do. • Comprehensive financial planning and investment management • Unique service teams dedicated to business owners and women • Unbiased, conflict-free investment advice

We explore each client’s unique vision of a full life and help them create a path to realize their goals. Their comprehensive financial plan includes retirement projections, tax and estate planning, risk management, college education funding, philanthropy and executive benefits. Each client relationship is individually managed, and each team designs and implements a customized portfolio to keep it aligned with the client’s goals. We are an independent, objective, fee-only advisory firm so our clients never have to question our motivation. Business owners and women face unique issues and challenges in managing their wealth. Our dedicated service teams are comprised of experts in these areas: • Our Business Owner Team specializes in working with business owners. We leverage our real-world experience as business owners to provide our clients with a customized approach and solutions that incorporate all aspects of the business owner’s life

• Our Women’s Service Team specializes in working with women. We are passionate about helping women navigate life’s inevitable transitions, including career success, divorce and losing a spouse. Our goal is to empower them in their financial choices with customized solutions catered to their unique values and priorities

All of our wealth managers are CERTIFIED FINANCIAL PLANNER™ professionals and a mix of CPAs, attorneys and more. We are humbled by our 98-percent client-retention rate and continually strive to help our clients make sound decisions to achieve the full life they envision.

500 Park Boulevard, Suite 1400 | Itasca, IL 60143 125 South Wacker Drive, Suite 300 | Chicago, IL 60606 Office: 630-875-4900 [email protected] | www.bdfllc.com

Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. Future performance of any investment or wealth management strategy, including those recommended by Balasa Dinverno Foltz LLC (BDF), may not be profitable, suitable for you, prove successful or equal historical indices. Historical indices do not reflect the deduction of transaction, custodial or investment management fees, which would diminish results. Any historical index performance figures are for comparison purposes only and client account holdings will not directly correspond to any such data. BDF clients must, in writing, advise BDF of personal, financial or investment objective changes and any restrictions desired on BDF’s services so that BDF may re-evaluate its previous recommendations and adjust its investment advisory services. BDF’s current written disclosure statement discussing advisory services and fees is available for review at www.BDFLLC.com or upon request. Rankings, client retention claims, recognition and/or survey results should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results or investment performance if Balasa Dinverno Foltz LLC (BDF) is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of BDF by any of its clients. Survey results published by BDF are based on questions and information prepared by BDF. Rankings or recognition by unaffiliated rating services or publications should not be construed as a guarantee that a client or prospective client will experience a certain level of results if Balasa Dinverno Foltz LLC (BDF) is engaged to provide investment advisory services. Also, it should not be construed as an endorsement of BDF by any of its clients. Rankings published by third parties, including magazines, are generally based exclusively on information prepared or developed by the recognized adviser.

We Help People Make Sound Decisions to Enjoy a Full Life

www.fivestarprofessional.com — FS

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The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Melinda Sherman Swift

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Second Vice President, Financial Advisor

70 West Madison Street, Suite 5100 Chicago, IL 60602-4205 Office: 312-419-3275 Toll-free: 800-621-2842

[email protected] www.morganstanleyfa.com/melindaswift

• Wealth growth and preservation strategies for individuals, corporate executives and families • Customized financial planning

• Comprehensive investment strategies

Areas of Focus: Asset Management, Retirement Strategies, Risk Management

TWO-YEAR WINNER

2014 and 2015 Five Star Wealth Manager award winner Melinda Sherman Swift, Second Vice President, Financial Advisor

As your financial advisor, I work one-on-one with you to understand what is important and unique to you and your family. My objective is to create highly personalized plans designed to help you meet your specific goals while protecting what you have worked so hard to achieve. As a part of Morgan Stanley, I have access to the extensive tools and research of one of the world’s leading financial institutions to help me provide the most appropriate solutions for you and your family.

©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Putting My Clients’ Needs First for Over 20 Years

FS • 6 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

The Lymangood Group at Morgan Stanley

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL FOUR-YEAR WINNER

Left to right: Andrea C. Jevne, Wealth Management Associate; 2013 – 2015 winner Michael J. Alaimo, CFP®, Associate Vice President, Financial Advisor; 2012 – 2015 winner William R. Lymangood, Managing Director – Wealth Management, Senior Portfolio Management Director, Wealth Advisor; William R. Lymangood, Jr., CFP®, Financial Advisor; Diane E. Young, Assistant Vice President and Group Director; Tracy K. Couch, Senior Registered Associate

We start by listening to what is important to you and create an integrated financial plan — one that helps you live the life you envision for yourself and your family. For over 35 years, The Lymangood Group has been assisting individuals, corporations and foundations in achieving their financial objectives. We utilize the intellectual capital of Morgan Stanley to shape the right strategies to help our clients accumulate, manage, utilize and transfer their wealth. Our mission is to make your wealth work as hard as it can. William R. Lymangood is a 2012 – 2015 Five Star Wealth Manager, and Michael J. Alaimo is a 2013 – 2015 Five Star Wealth Manager.

Global resources. Local roots.

• Providing sound investment advice for more than 35 years • Managing risk to and through retirement

• Featured in Barron’s as “America’s Top 1000 Financial Advisors,” 2009, 2010, 2011, 2012

4225 Naperville Road, Suite 255 | Lisle, IL 60532 Direct: 630-245-6000 | Fax: 630-566-4235 [email protected] | www.morganstanleyfa.com/thelymangoodgroup | @LymangoodMS

Source: Barron’s “Top 1,000 Advisors,” February 20, 2012, as identified by Barron’s magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Advisors in the Top 1,000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client’s experience and is not indicative of the financial advisor’s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors pay a fee to Barron’s in exchange for the rating. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. William R. Lymangood: NMLS 1301209; Michael J. Alaimo: NMLS 1316577; William R. Lymangood, Jr.: NMLS 1301224. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Accumulate • Manage • Utilize • Transfer

www.fivestarprofessional.com — FS

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The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

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Leonetti & Associates Wealth Management Team

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL FOUR-YEAR WINNER

Left to right: Four-year winner Michael Leonetti; 2015 winner Deborah Feldman; four-year winner Sherwin Lesk; 2015 winners Robin Stone and David Jutovsky

• Each client is unique, and our advice is tailored to his or her personal goals

• Our high level of integrity builds strong client relationships, confidence and trust

• We care deeply about our clients — we believe that every client should be treated with the same degree of attention that would be received if they were our only client

Founded in 1982, Leonetti & Associates is considered one of the country’s premier wealth management firms. It is an organization built on honesty and integrity and operates with the highest of ethical standards. These qualities, combined with experience, depth of professional staff, an in-house portfolio management team, a dedicated client services team and a long history of achieving desired results for its clients, have led to a high level of client satisfaction. It is also what makes Leonetti & Associates the logical choice for those seeking high-quality, objective and thorough financial advice.

1130 Lake Cook Road, Suite 300 | Buffalo Grove, IL 60089 Office: 847-520-0999 | Toll-free: 800-454-0999 [email protected] | www.leonettiassoc.com

Please read and review Leonetti Associates, LLC’s current disclosure statement as set forth in its Form ADV for additional information about the investment adviser, our business practices, advisory services and fee schedules.

We Deliver Financial Solutions and Benefits Customized to Our Clients’ Needs

FS • 8 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Bruce R. Butler

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Financial Advisor, CFP®

227 West Monroe Street, Suite 3400 Chicago, IL 60606 Office: 312-917-7416 Toll-free: 800-334-2446

[email protected] www.morganstanleyfa.com/bruce_butler

• Comprehensive financial planning • Legacy preservation strategies • Experience, integrity, service

Senior Vice President – Wealth Management, Executive Financial Services Director, CERTIFIED FINANCIAL PLANNER™ Professional, Financial Advisor

THREE-YEAR WINNER

2013 – 2015 winner Bruce Butler

It is an honor, once again, to be selected as a Five Star Wealth Manager for 2015. My financial planning team is comprised of four financial professionals. Together, we have more than 100 years* of combined investment experience. We listen carefully to you as we work together to address your financial needs, taking a sincere interest in the financial success of each and every client.

life. We will explore ways to potentially minimize taxes and portfolio risk, while staying ahead of inflation.

Multiple generations of clients continue to look to us for sound and thoughtful financial advice as we help build, manage, preserve and transfer wealth. Our goal is always to provide outstanding, personalized service so you can focus on the things that are most important to you. Whether actively working toward retirement or already retired, we Please contact us for a complimentary portfolio review. strive to set the stage for sound financial planning throughout your

*Team Financial Advisors registered since 1971, 1978 and 1990, Team Client Service Associate registered since 2002. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Helping You Reach Your Life’s Goals

www.fivestarprofessional.com — FS

•9

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

DeRose Financial Planning Group

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Comprehensive Financial Planning and Wealth Management With Tax-Reduction Strategies

FOUR-YEAR WINNER

Left to right: Anthony DeRose; Caitlin BeLow; four-year winner Karen DeRose, Managing Partner of DeRose Financial Planning Group, CFP®, CRPC®; Nicole Velazquez; Katie Westphal; Pat Corrado (Photograph taken by Patrick N. Corrado)

• A comprehensive, integrated approach to financial planning • Dedicated to help build, manage and protect your wealth • Concierge level of service and support committed to you

Karen would like to thank her clients and peers for their continued trust and acknowledgment. We are dedicated to providing concierge-level service and guidance for all of life’s transitions — retirement, sale of a business, inheritance, divorce or loss of a loved one.

Our clients’ success can be attributed to our unique, comprehensive financial planning process that educates our clients so they can make informed life and financial decisions. We collaborate with your other trusted advisors including CPAs, advisors that hold Juris Doctors and specialists acting as your personal wealth CFO to ensure there are no gaps or missed opportunities to create a sense of confidence in your overall planning. With 19 years’ experience, we aspire to achieve the life that you envision for you, your family and beyond.

8755 West Higgins Road, Suite 200 | Chicago, IL 60631 Phone: 773-867-3631 [email protected] | www.derosefpg.com

Associates of DeRose Financial Planning Group are registered representatives of Lincoln Financial Advisors Corp, a broker/dealer (Member SIPC) and registered investment advisor. DeRose Financial Planning Group is not an affiliate of Lincoln Financial Advisors Corp. CRN-1244154-070915. This advertisement partially sponsored by Lincoln Financial Distributors.

FS • 10 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

Perry M. Favia

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL First Vice President, Financial Advisor

FOUR-YEAR WINNER

Four-year winner Perry M. Favia, First Vice President, Financial Advisor

• • • • •

Experience, integrity, service Custom-tailored consulting and financial solutions Retirement rollovers and estate planning strategies My vision is to identify and fulfill the needs of the next generation of investors 2012 – 2015 Five Star Wealth Manager

I’d like to extend a special note of thanks to all of my clientele for helping me grow and patronizing my business throughout the past year. This is my fourth year in a row receiving the Five Star Wealth Manager award. I continue to welcome the opportunity to identify and help meet your financial goals and objectives. I bring 27 years of investment experience and knowledge to the table, and I am dedicated to providing my clients with expert Morgan Stanley research and recommendations.

I am interested in establishing lifetime relationships predicated on mutual understanding and shared investment knowledge. Attaining realistic goals for long-term growth is of primary concern for continued successful relationships; to that end, I am committed to working with you. At Morgan Stanley, we welcome you as if you were family. By working together, we build relationships one at a time, which are based on trust, service and results.

2211 York Road, Suite 100 | Oak Brook, IL 60523 Toll-free: 800-755-9755 | Phone: 630-573-9700 | Direct: 630-573-9772 | Fax: 630-572-9030 [email protected]

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matter involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Professional Wealth Creation and Financial Management

www.fivestarprofessional.com — FS

• 11

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Julia Smart

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Vice President, Financial Advisor

• Sale of business • Divorce

• Death of spouse or loved one • Settlement

You may visit Julia’s website to download a free special investing report or request a free initial consultation. www.morganstanleyfa.com/julia.smart

2015 winner Julia Smart

Julia has been serving high-net-worth families and closely held businesses in Chicago for over 20 years. Prior to joining the financial services industry, she held marketing, sales and managerial positions in various industries.

A native Chicagoan, she is known for being very responsive and personable. Julia resides in Chicago with her husband, Todd, and four children, Olivia, Lyla, Rebecca and Jack.

70 West Madison Street, Suite 5100 | Chicago, IL 60602 Phone: 312-419-3362 [email protected]

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

I Will Help Your Transition Be Simple and Align With Your Goals!

FS • 12 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

RPG-Life Transition Specialists Team

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL At RPG, We Help Clients Through Their Life Transitions

FOUR-YEAR WINNER

Left to right: Margene Shullaw; Birju Munshi; George Vida; 2012, 2013, 2014 and 2015 winners Joshua Kadish, AIF®, RFC®, and Nicole Mayer, AIF®, CDFA™; Scott Loochtan, AIF®; Steven Kadish, J.D.

• Need an independent, second opinion? Are you on track?

• Changing jobs? Changing careers? Preparing for retirement? • Divorce? Death of or caring for a loved one?

At RPG-Life Transition Specialists, we believe that the financial services model has been broken, and we strive to do things differently. We do this by putting education first, spending our time in helping you identify what is truly important in life to you and helping connect your wealth to your larger life purpose.

You have a life to lead, and when saddled with a transition — expected or unexpected — you could use a non-biased partner to guide you with your unique objectives and time frame in mind. Contact us today for a complimentary consultation.

2610 Lake Cook Road, Suite 250 | Riverwoods, IL 60015 Office: 800-596-0253 [email protected] | www.rpgplan.com

Securities and Advisory Services Offered Through National Planning Corp. (NPC), Member FINRA/SIPC, a Registered Investment Advisor. RPG, Five Star Professional and NPC are separate and unrelated companies. Five Star Professional, an independent company, screens award candidates against ten objective eligibility criteria. Receipt of the award is not indicative of investment performance. For more information visit www.fivestarprofessional.com.

Navigating Life’s Decisions Is Daunting. We Can Help.

www.fivestarprofessional.com — FS

• 13

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Edward A. Perry, Jr.

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL J.D., AIF®, CFP®

Perry Wealth Counsel, P.C. 527 Illinois Avenue, Second Floor St. Charles, IL 60174 Office: 630-443-8575 [email protected] www.perrywc.com

• Estate and tax planning

• Retirement and income planning • Investment management

FOUR-YEAR WINNER

Four-year winner Edward Perry, J.D., AIF®, CFP®

At Perry Wealth Counsel, P.C., we advise a client culture consisting of small-business owners, professionals and families. We work as our clients’ fiduciary, always putting their interests first. Every client has a unique set of circumstances and goals. We spend extra time to understand our clients’ individual situations and help them define what goals are important to them before any recommendations are made. Our financial counseling is focused on achieving our clients’ goals with a minimal amount of risk. By integrating legal and financial strategies, we create a financial program and estate plan that can

protect our clients’ families and businesses, reduce their tax liability and help meet their investment and asset accumulation goals. As an outcome of Mr. Perry’s education and experience as an attorney, Accredited Investment Fiduciary® and CERTIFIED FINANCIAL PLANNER™ practitioner, he recognizes that financial success for our clients and their families is best achieved through this integrated method. Many of our clients were drawn to us because of our boutique approach and our unique standing in the financial and legal community.

Securities and Advisory Services offered through Commonwealth Financial Network®, Member FINRA/SIPC and a Registered Investment Adviser. Fixed insurance products and services offered through Perry Wealth Counsel, P.C., or CES Insurance Agency.

A Fiduciary With the Expertise to Provide Solutions

FS • 14 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

The Biestek Team

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Professional Retirement Specialists, Inc. 115 North Arlington Heights Road Arlington Heights, IL 60004 Office: 847-255-6667 Cell: 847-924-1067

[email protected] | [email protected] [email protected] | www.johnbiestek.com

• Wealth preservation

• Investment, tax and estate planning • Retirement income planning

FOUR-YEAR WINNER

Our Team of Professionals Can Provide You With the Expertise to Pursue Your Financial Goals

Left to right: Four-year winner John Biestek, Registered Investment Adviser, Juris Doctor; Scott Biestek, Investment Adviser, Juris Doctor; Elizabeth Biestek, Investment Adviser

Our team is proud and grateful to have John named as a Five Star Wealth Manager for the fourth consecutive year. We provide the highest level of personal service: never a call unanswered, never a problem unsolved, never a concern ignored. Our broker-dealer, Commonwealth Financial Network, provides a second layer of superlative support and service. Our investment recommendations are thoroughly researched for optimal performance. We meet with all clients quarterly, and portfolios are carefully reviewed and modified between meetings. We don’t just give investment advice that sounds nice; we want results. Our approach to retirement income planning is proactive. It includes a plan of withdrawals to help ensure that our clients do not outlive their retirement funds.

Always Do What’s Best for the Client

www.fivestarprofessional.com — FS

• 15

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

The Stenger Group at Morgan Stanley

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL FOUR-YEAR WINNER

Left to right: Fred Roberts, Financial Advisor; Elizabeth Kaufmann, Senior Registered Associate; 2012 – 2015 winner Ronald Stenger, Wealth Advisor; Laura Kane, Client Service Associate; Steve Devermann, Financial Advisor; Alfreda Bell, Wealth Management Associate

• Determined to make a positive difference in our clients’ lives • Named top advisory team by Barron’s, 2012 – 2015 • Ronald Stenger is honored to be the recipient of the 2015 Five Star Wealth Manager award A successful retirement takes work. There are many questions to be answered — about income, expenses and investing, among others. Ron and Steve’s Retirement Navigation Process guides you through the planning stages and maps out a strategy based on your unique circumstances.

responsible spending and debt management practices, assessing health care and insurance requirements and defining an investment strategy that aligns with your goals and planning your estate. We have access to specialists experienced in the fields of tax and legal planning. We will monitor your strategy as your retirement unfolds and adjust your course as needed.

Our process is based on 30 years of experience* working with individuals and their families. Together, we consider your goals, your Call us to schedule a comprehensive portfolio review. Together, we’ll resources and your needs. We want to help guide you in evaluating map out the way forward.

2211 York Road, Suite 100 | Oak Brook, IL 60523 Office: 630-573-9794 | www.retirementnavigationprocess.com

*Ron Stenger has 30 years experience and Stephen Devermann has 12 years experience as Financial Advisors. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

FS • 16 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

Resource Wealth Management

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Customized Financial Planning, Preretirement and Retirement

TWO-YEAR WINNER

Left to right: Two-year winner G. Salvatore Palazzolo; Laura Vierneisel; Dolores Johannsen; Darryl Angelico

• Comprehensive financial planning

• Wealth preservation and risk management • Retirement income planning

At Resource Wealth Management, we tailor to meet our clients’ needs. We empower our clients by educating and guiding them on the many tools available to meet and sustain their financial goals. Our team is devoted to creating and establishing a lasting relationship with our clients. Our clients are our priority. Together, we help provide you and your family with wealth management experience that entails all investment consulting and financial planning needs. We are dedicated to enhancing the quality of your life. Our educational process helps simplify your financial affairs and empowers you with confidence to achieve your life goals and dreams. Contact us today for a complimentary consultation.

111 East Busse Avenue, Suite 500 | Mount Prospect, IL 60056 Office: 847-392-4100 [email protected] | www.resourcepartnerschicago.com

Securities and Investment Advisory Services offered through The Leaders Group, Inc. Securities Dealer, Member FINRA/SIPC; TLG Advisors, Inc. Registered Investment Advisor; 26 W Dry Creek Cir., Ste. 575, Littleton, CO 80120, 303-797-9080.

Empowering Our Clients Through Education

www.fivestarprofessional.com — FS

• 17

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Horizon Wealth Management, LLC

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL FOUR-YEAR WINNER

Left to right: Michelle Brennan, Administrative Assistant; Jackie Wrobel, LPL Registered Sales Assistant; Kaitlin Wysopal, Administrative Assistant; Christine Mortimer, Administrative Assistant; Kathy Wrobel, Administrative Assistant; Ron Wrobel, ChFC®, Financial Advisor; Robert Buoy, Financial Advisor; three-year winner Ryan Williamson, CFP®, AIF®, Principal; John Crawford, LPL Registered Sales Assistant; four-year winners Paul Fousek, AAMS®, AIF®, Principal, and Richard Shanley, CFP®, AIF®, Principal

• Retirement income planning • Investment planning • Legacy planning

We, Rick Shanley, Paul Fousek and Ryan Williamson, the three founding partners of Horizon Wealth Management, are again honored to be named Five Star Wealth Managers for 2015. The success of our firm is directly due to our invaluable clients and their ongoing support. Our mission has always centered on helping our clients build, preserve and transfer their wealth in a manner that aligns with their unique goals, needs and values. With over 45 years in combined experience, we have guided our clients through personal, economic, market and industry time periods as we remain committed to making a positive difference in their lives.

22 Calendar Court, Second Floor | La Grange, IL 60525 Office: 708-352-4300 | Toll-free: 877-258-0777 [email protected] | [email protected] | [email protected] .com

Securities offered through LPL Financial, member FINRA/SIPC. Investment advice offered through Horizon Wealth Management, LLC, a Registered Investment Advisor and a separate entity from LPL Financial. Award based on 10 objective criteria associated with providing quality services to clients such as credentials, experience, and assets under management among other factors. Wealth managers do not pay a fee to be considered or placed on the final list of 2015 Five Star Wealth Managers.

FS • 18 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

Forum Financial Management, LP

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL FOUR-YEAR WINNER

Left to right: Standing: Four-year winner Mary Anne Ehlert; 2015 winners Marcus Heinrich, David Lennon and Norbert Mindel Seated: Four-year winner John Adam; 2015 winner Stephen Senesac

We believe successful, intelligent clients need experienced advice to achieve their financial goals. It starts with a dedicated team of partners and advisors with decades of experience across portfolio management, retirement planning, estate planning, insurance analysis and income tax planning.

With the foundation of this technical knowledge, we can spend more time on what we truly enjoy — getting to know our clients and their families. By understanding the hopes and dreams that reside at the center of someone’s financial life, we are able to design an investment plan that is built to achieve a client’s short- and long-term goals. That’s what we consider to be the real value of an advisor.

1900 South Highland Avenue, Suite 100 | Lombard, IL 60148 Phone: 630-873-8520 [email protected] | www.forumfin.com

Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a highly rated advisor does not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Generally, ratings, rankings and recognition are based on information prepared and submitted by the advisor. Forum Financial Management, LP is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability. Forum’s home office is located at 1900 S Highland Ave., Ste. 100, Lombard, IL 60148. Before making an investment decision, contact our office at 630-873-8520 to receive a copy of Forum’s Form ADV Part 2A and the Forum Advisory Agreement, both of which include Forum’s fee schedule. www.forumfin.com.

Independence, Experience and Transparency

www.fivestarprofessional.com — FS

• 19

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Edward T. McNamara

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Sr. Portfolio Manager, Vice President, Financial Advisor, CFP®

70 West Madison Street, Suite 300 Chicago, IL 60602 Toll-free: 800-488-4280 Direct: 312-827-6632

[email protected] www.morganstanleyfa.com/edward.mcnamara

• Focused on your long-term financial vision

• Caring about your unique values and dreams

• Providing a full complement of professional resources

THREE-YEAR WINNER

2013, 2014 and 2015 winner Edward T. McNamara

Who can doubt every person’s financial situation is unique? It’s why listening carefully to better understand distinct needs, goals and dreams is my top priority. Life is change — my role is to be with you every step of the way; I will join your journey and, together, plan sound outcomes. Any true success takes time; that’s why jointly developing clear expectations and a solid, long-lasting relationship based on core values of trust and open communication is key.

For me, managing wealth is not a sideline, it’s a passion. I employ a robust, time-tested, relative strength discipline, distilled from scholarship and over 30 years of experience, to build, manage and preserve clients’ hard-earned assets.

I endeavor to provide clients with a greater degree of clarity, certainty and comfort in their financial lives. My work done well frees clients to focus on what and who are truly important to them.

©2015 Morgan Stanley Smith Barney LLC. Member SIPC. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S.

A Single Destination for All Your Financial Planning and Wealth Management Needs

FS • 20 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

Michael Kwiatkowski

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL CFP®, President of Retirement Solutions, Inc.

FOUR-YEAR WINNER

Left to right: Kristina Hopp; Ryan Kwiatkowski; four-year winner Michael Kwiatkowski; Joanie Kwiatkowski; Claudia Cathelot

• Every relationship starts with a financial plan • We manage your investment risk levels • We’ll get you financially organized

As an independent firm in Naperville, Illinois, the professionals at Retirement Solutions, Inc. (RSI) will work with you to assess your needs, determine your goals and develop an objective strategy to help you work toward meeting your goals and objectives. Our objective is to guide our clients to achieve a high level of satisfaction and confidence.

Our passion for our work is evident in the unparalleled, personal and responsive service we provide and in our proactive approach to managing risk and seeking out suitable opportunities aligned with your individual goals and objectives. By listening and placing your interests first in every decision made, we set the tone for a relationship built on trust.

1230 East Diehl Road, Suite 107 | Naperville, IL 60563 Phone: 630-577-1800 | Fax: 630-577-0544 [email protected] | RetirementSolutionsRSI.com

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

Independence Powered by LPL Financial

www.fivestarprofessional.com — FS

• 21

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Russell Warye

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Professional Plan Consultant

Left to right: Front row: Ann Derrig; Jolie Duval; 2015 winner Russell Warye; Janet Dousmanis; Emma Ward Back row: Jo Fink; Chris Schmeltz; Kelly Casten; Michaelanne Berktold

• 401(k) advisor

• Pension asset management • Wealth management

Russell Warye is proud to be recognized as a Five Star Wealth Manager. Russ believes that he and his team provide five-star service to all their clients. Russell Warye is an investment advisor representative with the nation’s largest independent broker-dealer, LPL Financial.* He is also the president of Benefit Partners Financial Group, LLC, with offices located in Libertyville and Downers Grove, Illinois. Russell was most recently recognized by the Financial Times as one of the Top 401 Retirement Plan Advisors, as seen in the May 2015 issue.** Russ and the team at Benefit Partners Financial Group focus on two core advisory services: corporate retirement plans (401(k), pension and deferred compensation) and individual wealth management.

1850 West Winchester Road, Suite 103 | Libertyville, IL 60048 Office: 847-247-8811 | Toll-free: 877-247-8817 [email protected] | www.benefitpartnersfinancial.com

Securities and Retirement Plan Consulting Program advisory services offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Other advisory services offered through HighPoint Advisor Group. *Financial Planning magazine, June 1996 – 2014, based on total revenue. ** Awarded to financial advisors managing at least $25 million in defined contribution (DC) plan assets where DC plans represent at least 20 percent of total AUM. Graded on several criteria, including growth in DC plans and assets, plan participation rates, experience and industry certifications, and compliance record.

Corporate and Individual Investment Consultation

FS • 22 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

Timothy A. Regan

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Wealth Advisor

2015 winner Timothy A. Regan

• Focus on your values

• Income-in-retirement planning

I focus on helping my clients feel secure so they are free to live more generous lives. As a CERTIFIED FINANCIAL PLANNER™ professional, I am positioned to look at and address all the areas of your financial life and put them into one coordinated, efficient plan designed to reach your life’s goals. My practice does this in a way that helps those who have been wise with money live more generously. My expertise is my income-in-retirement strategy. Using a process I’ve developed, I will help design a plan for retirement. Once in place, my clients can more fully enjoy their lives and families and live generous lives long after they have finished working full-time.

18331 Distinctive Drive | Orland Park, IL 60467 Phone: 708-326-4750 | Fax: 708-326-4753 [email protected] | www.thrivent.com/fr/tim.regan

Insurance products issued or offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents/producers of Thrivent. Fee-based investment advisory services are available through qualified investment advisor representatives only. For additional important information, visit Thrivent.com/disclosures.” If you have any questions feel free to email or call marketing at [email protected] or 800-793-3401.

Connecting Faith and Finances for Good

www.fivestarprofessional.com — FS

• 23

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Esposito, Kiker & Associates

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL THREE-YEAR WINNER

Left to right: Three-year winner Joseph M. Esposito, Jr., Partner; 2015 winner C. Keith Kiker, CFP®, Partner; Meghan Miller; Marceline Glavach

• 20 years of guiding clients through financial planning and investment management

• Providing dynamic financial plans using state-of-the-art technology to tie it all together; keeping clients informed 24/7 • Helping our clients to make better decisions now and for the long term

We, Joe Esposito and Keith Kiker, are honored to be 2015 Five Star Wealth Managers. First, we thank our faithful clients. Since 1995, EK&A has been built on personal relationships with incredible clients. We provide comprehensive planning and investment management for executives, business owners, professionals and retirees and serve as their financial advocate and sounding board, helping them make informed decisions in all areas of their planning and investing. We also thank our team, Meg and Mar, who put their hearts into all they do for our clients and us each day.

Esposito, Kiker & Associates 799 Roosevelt Road, Building Four, Suite 301 | Glen Ellyn, IL 60137 Phone: 630-790-9300 | Fax: 630-790-9309 www.ekanda.com [email protected] | [email protected]

Securities offered through Commonwealth Financial Network®, Member FINRA/SIPC. Advisory services offered through EK&A are separate and unrelated to Commonwealth.

Our Word, Your World

FS • 24 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Timothy J. Rueter

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL CFP®, ChFC®

• Helping to ensure tax efficiency in investment management • Discreet, thorough financial planning and portfolio-building services • Preserving assets through market volatility and downturns • Ability to customize investments to match our clients’ unique situations

FOUR-YEAR WINNER

Left to right: Rachel Trenkamp; four-year winner Tim Rueter; Harvey Dollars; Gayle Rueter

We focus on boutique portfolio management, commitment to providing exemplary client service and strict adherence to the highest standards of ethics and professional knowledge.

As a CERTIFIED FINANCIAL PLANNER™ professional, Tim takes an approach that is comprehensive in its scope and focused on the long-term needs of clients. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM and federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC.

213 West Wesley Street, Suite 103 Wheaton, IL 60187 Phone: 630-690-5443 Fax: 630-690-5472

[email protected] www.foundationws.com

Mark Magajne

Registered Principal, CFP®

• Focus on relationships to achieve the highest level of client satisfaction • Big-picture approach to planning and preserving retirement income • Independent, non-biased wealth management tailored to our clients’ needs

FOUR-YEAR WINNER

Left to right: Four-year winner Mark Magajne; Joseph Vidmar

Mark and Joseph build genuine relationships through open and honest communication. As a military member for more than 20 years, Mark brings discipline, service and integrity to his practice. As a licensed professional, Joseph applies analytical expertise to asset management. As family men, they both understand the value of education, retirement and life challenges.

“Thank you for the opportunity to serve your financial needs. We are committed to maintaining the highest standards of service and look forward to another great year.” — Mark Magajne, CFP®, MBA

410 West Grand Avenue | Chicago, IL 60654

[email protected] | Mark: 312-300-4584 www.markmagajne.com

[email protected] | Joseph: 312-300-4589 www.josephvidmar.com LPL Financial, member FINRA/SIPC.

Thank You, Chicago, for Your Support

www.fivestarprofessional.com — FS

• 25

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Nancy S. Buerger

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL MBA, CFP®, Financial Advisor

• Comprehensive financial planning • Retirement and income planning • Estate planning strategies

FOUR-YEAR WINNER

2012 – 2015 winner Nancy S. Buerger, MBA, CFP®, Financial Advisor

As an experienced advisor with Ameriprise Financial, I am dedicated to working with individuals and families to help them execute a sound financial plan and careful investment selection. My focus is to help you feel confident about your financial future. I will put my experience to work for you, developing investment, tax planning and estate planning strategies aimed at helping you reach your financial goals.

1 Oakbrook Terrace, Suite 700 Oakbrook Terrace, IL 60181 Office: 630-396-1826

[email protected] ameripriseadvisors.com/nancy.s.buerger

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Helping Clients Achieve Financial Success

David W. Latko

• David W. Latko is among the few selected “Dave Ramsey Show” Endorsed Local Providers (ELP) • David W. Latko has been the featured guest on CBS, ABC, FOX, CNN and dozens of radio shows • David is the former host of eight years of the nationally broadcast David Latko’s “Money and More” radio show

FOUR-YEAR WINNER

Left to right: Four-year winner David Latko, President; Janice O. Latko; David W. Latko, Jr.; Tiffany O. Latko

Latko Wealth Management, Ltd.

For over three decades, in every phase and throughout every stage of your financial life, Latko Wealth Management has offered a clear road map to help you make the right decisions. David is the author of critically and professionally acclaimed books “Everybody Wants Your Money” (Harper Collins) and “Financial Strategies for Today’s Widow” (Simon & Schuster). Latko Wealth Management is truly a family business with David’s wife (Janice), daughter (Tiffany) and son (David, Jr.) all involved in the firm.

Securities offered through LPL Financial, Member FINRA/SIPC. Dave Ramsey is not affiliated with LPL Financial.

45 East Colorado Avenue Frankfort, IL 60423 Office: 815-469-8887 Toll-free: 800-469-8887 [email protected] www.davidlatko.com

Managing Wealth Through the Transitions of Life

FS • 26 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

Keith Dronen

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL J.D.

Dronen Financial Services, LLC

410 West Grand Avenue | Chicago, IL 60654 Phone: 312-923-8700 | Toll-free: 800-406-9530 [email protected] www.dronenfinancialservices.com

Dronen Financial Services provides wealth management services and financial, retirement, educational and estate planning services. We also provide corporate retirement services for businesses and organizations. A graduate of Northwestern University and Chicago Kent College of Law, Keith was a partner in a Chicago law firm and, for the past 18 years, has served clients as a financial advisor. He is the author of “Mirroring Other Insurance Clauses: Contribution by Equal Shares or Pro Rata by Limits?” Keith is a director of the Western Golf Association, a board member of Steamboat Adaptive Recreational Sports (STARS) and past president and former board member of Wilmette Public Schools District 39.

TWO-YEAR WINNER

2014 – 2015 winner Keith Dronen

Securities Offered Through LPL Financial, Member FINRA/SIPC.

Craig A. Daun and Michael C. Lapinski

• We honor our relationship with you • We are fully invested in your success • We are with you every step of the way

FOUR-YEAR WINNER

Left to right: Four-year winner Craig A. Daun, Vice President – Investment Officer, Financial Advisor, CFP®; four-year winner Michael C. Lapinski, First Vice President – Investment Officer, Financial Advisor, CFP®

We have only one objective: to make our relationship with you the one you can trust for advice on all of your investment planning needs. We are dedicated to becoming a powerful advocate for our clients in their quest for financial stability. Whether you seek to grow assets, preserve wealth, generate income or transfer assets to your family, you can rely on us to develop a comprehensive strategy that not only reflects your unique situation, but endeavors to make recommendations in line with the objectives that matter the most to you. You can count on our depth of knowledge and reservoir of resources to develop a comprehensive and personalized plan that will allow you to employ the same degree of care in your approach to finances as you bring to your family, career and other pursuits.

1515 West 22nd Street, Suite 700 Oak Brook, IL 60523 Michael: 630-571-7195 Craig: 630-571-7194

[email protected] [email protected] Wells Fargo Advisors, LLC, Member SIPC. [CAR 0915-00372].

Creating a Path to Help You Reach Your Financial Goals

www.fivestarprofessional.com — FS

• 27

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Claude “Bud” Sherman

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Financial Advisor, CRPC®

• • • •

Sound advice from experience and integrity Building, managing and maintaining wealth Ongoing guidance and exceptional service Five Star Wealth Manager award winner, 2013 – 2015

THREE-YEAR WINNER

Three-year winner Claude “Bud” Sherman, CRPC®, Financial Advisor

I am very grateful and proud to have been named as a Five Star Wealth Manager for 2015. For more than 20 years, I have dedicated myself to serving my clients and doing what is best for them. I personally meet with every client on an ongoing basis to ensure that their dreams and goals remain the top priority. I want to make my relationship with you the one you trust for all your financial needs. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

14 Heritage Drive, Suite 103 Bourbonnais, IL 60914 Office: 815-932-3340 Toll-free: 888-848-9855

[email protected] ameripriseadvisors.com/claude.o.sherman

Building Lifelong Relationships With My Clients

Stephen Freidin Financial Advisor

• Retirement income strategies • Customized client advice

Left to right: Larry Malles, Vice President – Investments; Elena Demitropoulos, Senior Registered Client Associate; 2015 winner Stephen Freidin

Our philosophy is to provide clients with superior service and well-researched advice. Our investment approach is to help control risk, preserve capital and enhance cash flow for our clients. We make it a priority to understand each client’s individual needs and tolerance for risk. Ongoing communication and portfolio monitoring enable us to build custom-tailored plans and provide personalized goals for each client. As a client’s needs and goals change over time, so do our tactical and long-term strategies for wealth management.

1044 North Western Avenue, Suite A Lake Forest, IL 60045 Phone: 847-482-8859

[email protected]

Wells Fargo Advisors, LLC, Member SIPC. [CAR 0915-02139].

FS • 28 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

SPECIAL ADVERTISING SECTION ­

Five Star Wealth Manager

Windgate Wealth Management

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL • Windgate Wealth Management has been helping families meet their financial goals for more than 25 years • Your plans for the future are reflected in everything we do

Left to right: Sean Condon, CFP®; Lynn Burmeister, IACCP, CCO; Mark Buh, CPA, CFO; 2015 winner Michael Corbett, CEO

As a registered investment advisory firm, we work with individuals who are in or near retirement and want an advisor to guide them as they transition from earning a paycheck to living off their portfolios.

Our other client focus includes people who are building a career and need assurance that they are taking the right steps to accumulate wealth for their future.

300 South Wacker Drive, Suite 2880 Chicago, IL 60606 Phone: 844-377-4963

[email protected] [email protected] www.windgatewealth.com

Perritt Capital Management, Inc. is the registered investment advisory firm for Windgate Wealth Management accounts.

To Your Future Prosperity

Daniel J. Donahue

CFP®, CRPS®, Managing Director – Investments Dan Donahue has achieved a distinguished career in financial services by putting his clients’ interests first and providing exceptional personal service. His 25-plus years managing wealth has taught him how to advise his clients throughout various stock and bond market cycles, helping them understand the risks and rewards of investing. Dan began his career in financial services in 1989. He is a financial advisor and CERTIFIED FINANCIAL PLANNER™ professional and also holds the professional designation of Chartered Retirement Plans SpecialistSM and is a business services consultant. He is a graduate of St. Norbert College.

FOUR-YEAR WINNER

Left to right: Carole Malone, Registered Client Associate; Joe Sutton, CFP®, Financial Consultant; four-year winner Daniel J. Donahue, CFP®, CRPS®, Managing Director – Investments, Accredited Asset Management SpecialistSM

Dan and his wife Maureen are extremely active in their community. Dan has served as a baseball, basketball and soccer coach, and they are active in various civic and charitable organizations. They have four children and are involved members of St. Francis Xavier parish in La Grange. Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame logo), which it awards to individuals who successfully complete initial and ongoing certification requirements. CA Insurance License Number: 0I24799. Wells Fargo Advisors, LLC, Member SIPC. [CAR 0815-03915].

1515 West 22nd Street, Suite 700 Oak Brook, IL 60523

Phone: 630-571-7189 Toll-free: 866-951-4149 | Fax: 630-571-7229

[email protected] home.wellsfargoadvisors.com/daniel.donahue

www.fivestarprofessional.com — FS

• 29

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Felicia G. Di Silvestro

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL • Custom financial and retirement planning • Comprehensive wealth management • Personalized client service and satisfaction

THREE-YEAR WINNER

Left to right: 2013, 2014 and 2015 winner Felicia Di Silvestro, Senior Vice President – Wealth Management, Senior Investment Management Consultant, Professional Alliance Group Director and Financial Advisor; John Mele, Jr., Financial Advisor, CFP®, CFA; Corissa Moos, Registered Associate

2013, 2014 and 2015 Five Star Wealth Manager Felicia Di Silvestro, supported by her team of professionals, is dedicated to building, managing and preserving wealth through objective, custom investment strategies tailored to clients’ individual needs and goals. We are committed to providing personalized client service, and we invite you to meet with us to discuss your strategic wealth management plan.

227 West Monroe Street, Suite 3400 Chicago, IL 60606 Phone: 312-648-3441

fel[email protected]

©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Strategic Wealth Management

Thomas Harris CFP®, IAR

• LPL Financial, LLC is America’s largest, independent broker-dealer based on total revenue, 2015 (Financial Planning magazine) • Over $450 billion in assets under management • Providing comprehensive financial, retirement and investment planning • Independent, objective guidance and advice • Supported by award-winning technology

TWO-YEAR WINNER

Left to right: Lia Hoffmann; 2012 and 2015 winner Thomas P. Harris, CFP®, IAR

LPL Financial LLC provides objective, independent guidance and advice with access to leading, independent research. Using a holistic approach to life planning, your LPL advisor engages you in an ongoing conversation about your needs, goals and objectives to create the life plan that is right for you. Mr. Harris, a 2012 and 2015 Five Star Wealth Manager, embodies the LPL philosophy of honest and independent advice.

LPL Financial, Member FINRA/SIPC.

1133 West Farwell Avenue Chicago, IL 60626 Phone: 773-764-1506

[email protected] http://thomasharris.bz

FS • 30 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Donald Duncan

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL MBA, CSEP®, CPA/PFS, CFA, CFP®

• We serve medical professionals, corporate executives and business owners • Customizable services provide cost-effective, personal solutions • Our strategies reduce financial uncertainty • Our fees are flexible, easy to understand and transparent • Our planning services provide peace of mind

FOUR-YEAR WINNER

Left to right: Four-year winner Donald Duncan, MBA, CPA, CFA, CFP®, and 2015 winner Adam Glassberg, CIMA®, CFP®

D3 is an independent, fee-only financial planning firm focusing on Ethics, Education and ExperienceTM. We have no sales agenda and accept no commissions. Our focus is on generating after-tax wealth designed to achieve your goals. We serve our clients by providing integrity, trust, wisdom and confidence. We strive to demonstrate that the benefit of our advice clearly exceeds the cost of our services. Our clients utilize us for hourly consulting, portfolio management and family office services.

111 North Wabash Avenue, Suite 800 Chicago, IL 60602 Chicago office: 312-526-3680 Downers Grove office: 630-271-0033 [email protected] www.d3financialcounselors.com

We Help Smart People Make Smarter Financial Decisions

John J. McNamara

• Call today for a financial future evaluation • Have you planned for future income, higher taxes and inflation? • What is important to you about money?

2015 winner John McNamara

McNamara Capital Investment Group, LLC is an independent registered investment advisor serving the Greater Chicago area and provides financial planning and third-party asset management. Our mission is to provide the families and businesses we serve with innovative financial strategies, solutions and planning that result in clarity, security and overall financial health. We make strong commitments to our clients to build long-term relationships.

7350 West College Drive, Suite 101 Palos Heights, IL 60463 Phone: 708-361-4100

[email protected] www.mcnamaracapital.com

Making Your Money Work for You

www.fivestarprofessional.com — FS

• 31

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Steven J. Adams

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Private Wealth Advisor

• Comprehensive, ongoing, personal financial planning approach based on what is most important to each client

Left to right: Scott Grady, Financial Advisor, CFP®; 2012 – 2015 winner Steven J. Adams, Private Wealth Advisor, CFP®; Steven Ross, Financial Advisor, CFP®; Blake Levit, Paraplanner

At Adams and Ross Wealth Management Group, we believe that taking a disciplined and integrated approach to planning for your dreams and goals is the best way to reach them. We ask targeted questions and listen closely to your answers. We will then provide guidance and advice along the way, tracking your progress and working with you to make adjustments to your plan as needed to help ensure you stay on track. We will help you make the most informed decisions based on what is important to you throughout your lifetime.

Adams and Ross Wealth Management Group A private wealth advisory practice of Ameriprise Financial Services, Inc. 9701 West Higgins Road, Suite 240 Rosemont, IL 60018

Direct: 847-518-1555 | Toll-free: 800-294-7611

[email protected] | stevenjadams.com

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Investment advisory services and products are made available through Ameriprise Financial Services, Inc., a registered investment adviser.

Our Ultimate Goal Is to Help Our Clients Simplify Their Lives

Verus Capital Management

• Trusted fiduciary providing independent advice • Personalized planning — we build your fiscal house • True diversity using non-correlated asset classes • Retirement income planning expertise • Transparent, fee-based services

TWO-YEAR WINNER

Two-year winner Mike Haffling, Principal – Verus Capital Management

Verus Capital Management provides comprehensive wealth management for individuals, families and small businesses. Mike Haffling, a USMC veteran, has been recognized once again due to his commitment to serve the family of Verus Capital Management clients. Our process for building, protecting and distributing wealth begins with education, in turn simplifying complex issues. If you have asked your current advisor, “What else do you have?” it is time to meet with an independent advisor.

10760 West 143rd Street, Suite 64 Orland Park, IL 60462

Securities offered through Kalos Capital, Inc. and Investment Advisory Services offered through Kalos Management, Inc., both at 11525 Park Woods Circle, Alpharetta, Georgia 30005, 678-356-1100. Verus Capital Management is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management, Inc.

www.veruscapitalmanagement.com

19 North Grant Street Hinsdale, IL 60521 Office: 708-966-0129

Independent, Comprehensive Wealth Management

FS • 32 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

The Wade Street Group at Morgan Stanley

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL • • • •

Preserve Prosper Pass on Process

THREE-YEAR WINNER

Left to right: Erick Perez, Financial Advisor; 2013 – 2014 winner Elaine Lewis, Senior Vice President – Wealth Management, Financial Planning Specialist, Financial Advisor; 2013, 2014 and 2015 winner Wade Lewis, Senior Investment Management Consultant, Portfolio Manager, Financial Advisor; Maria Vlahos, Client Services Associate

We help people in transition preserve what they have, grow it, use it and pass it on. By uniquely tying your financial plan to your personalized investment solutions, we are positioned to safeguard your wealth and deliver the returns you need to maintain your lifestyle. We have been trusted advisors for over 25 years, taking the time to deeply understand your needs and provide real solutions. Clients often say that our approach helps guide them toward peace of mind. Contact 2015 Five Star award winner Wade Lewis for a complimentary meeting.

227 West Monroe Street, Suite 3400 Chicago, IL 60606 Phone: 312-648-3534

[email protected] www.morganstanleyfa.com/wadestreetgroup ©2015 Morgan Stanley Smith Barney LlC. Member SIPC.

Serving Our Clients for Over 25 Years

Michael J. Blomstrand Financial Services Representative

• Comprehensive advice • Strategies for a comfortable retirement

Left to right: Carmella LoCascio, Personal Assistant; 2015 winner Michael Blomstrand, Investment Advisor Representative; Patrick Walsh, Managing Sales Director

Our mission is a simple one: to make professional financial advice accessible to everyone. This goal is achieved by putting the needs of our clients first and explaining complex financial topics in easy-to-understand language. For over 20 years, our clients have counted on us to develop a comprehensive strategy that reflects their unique situation.

2150 East Lake Cook Road, Suite 1015 Buffalo Grove, IL 60089 Office: 847-495-3833

[email protected]

Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities and investment advisory services offered by MetLife Securities, Inc. (MSI) (FINRA/SIPC), a registered investment advisor. MLIC and MSI are MetLife companies. CA Insurance Lic. No. 0J01719.

www.fivestarprofessional.com — FS

• 33

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Monte Luzadder and Cyrus Clausen

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL • Individualized planning • Customized solutions • Outstanding service

Pioneer Wealth Planning Group A private wealth advisory practice of Ameriprise Financial Services, Inc.

Left to right: Linda Wieczorek, Paraplanner; 2013 – 2015 winner Cyrus Clausen, CRPC®, Financial Advisor; 2012 – 2015 winner Monte Luzadder, CFA, CFP®, CRC®, Private Wealth Advisor; Kim Hartigan, Client Service Coordinator

2400 Ravine Way, Suite 100 | Glenview, IL 60025 Phone: 847-486-9700 | Toll-free: 855-668-8538

At Pioneer Wealth Planning Group, a private wealth advisory practice of Ameriprise Financial Services, Inc., we are committed to an individualized, planful approach for assisting our clients to reach their financial objectives. We work with a diverse client base of individuals, families and small-business owners to help them develop customized strategies for achieving financial success as they have defined it. Our founder, Monte Luzadder, is proud to have been named a Five Star Wealth Manager in Chicago every year since the award’s inception in 2012.

[email protected] | monteluzadder.com

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial Services, Inc. Member FINRA and SIPC. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Guidance With Care and Integrity

Robert Byrns

Brian Sheehy

CEO, President, CFP®, AIF®, EA, ATA, ATP

Financial Advisor

9501 W 144th Pl., Ste. 101 Orland Park, IL 60462 Office: 708-645-8820 [email protected]

700 N Green St., Ste. 501 Chicago, IL 60642 Phone: 773-482-5850 Fax: 773-453-3302 [email protected]

FOUR-YEAR WINNER

• Personalized investment strategies • Diversified approach for a changing world • 37 years serving loyal clients nationwide

• Retirement income strategies • Family legacy and estate planning strategies • Development of a customized financial plan

Robert Byrns, known to his customers simply as “Bob,” meets personally with clients as often as needed throughout the year to discuss how to fit what matters most to them into a confident financial future. With his extensive knowledge of both wealth management and tax planning, Bob fulfills a dual role in guiding his clients to comprehensive financial decisions that are in line with their present and future goals and aspirations.

At Pinnacle Wealth Management, I believe that education is critical to developing a comprehensive financial strategy for retirement. I host a series of retirement courses both in the city and suburbs. Attendees will learn about Social Security, retirement accounts, investments, asset protection and estate planning.

Strategic Investment Solutions, Inc. (SIS) is a wholly owned Registered Investment Advisor (RIA) registered with the Securities and Exchange Commission. Securities are offered through LPL Financial, a FINRA/SIPC member and a separate entity from SIS.

Securities and Advisory Services offered through World Equity Group. Member FINRA/SIPC and a Registered Investment Advisor.

Putting Clients First Since 1977

Wealth and Financial Management Through Education

FS • 34 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Nancy A. Effert

Alan Nadolna

President

CEO

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL The Associates Group

500 Coventry Ln., Ste. 250 Crystal Lake, IL 60014 Office: 815-444-9560 [email protected] www.effertfinancialsolutions.com

TWO-YEAR WINNER

TWO-YEAR WINNER

• Consultative, holistic approach • Goal-based investment strategies • Independent, unbiased financial advice

An advisory relationship provides consistent support and comprehensive strategies as life and business situations evolve and change. The potential success of a financial plan, portfolio strategy or wealth management relationship isn’t just about the dollars but the effect it has on your life, your family, your community and your legacy.

Advisory Services offered through Partnervest Advisory Services LLC, a Registered Investment Advisor.

633 Skokie Blvd., Ste. 480 Northbrook, IL 60062 Phone: 847-509-5090 Cell: 773-519-8000 [email protected] www.associatesgroupinc.com

Guiding clients through life’s transitions is rewarding. They cause new financial realities. Birth, death, inheritance, business formation, job change and business succession are all major transition events. Alan has assisted clients through these for over 30 years. The guideposts of the practice are: the creation, retention and distribution of wealth and keeping assets and business interests in the family. Alan is board chairman of two agencies that serve the welfare of citizens with special needs. He has authored a syndicated column, “This Way to Wealth,” for over 25 years. He has staffed his organization with experienced professionals in accounting, finance, law, insurance and investments. Each new client relationship is earned. Every prospective client is sent an introductory memo that includes observations and suggestions to improve the client’s situation.

Today, Tomorrow and Beyond …

Trusted Advisor

Aron Gorenstein

Ron Schwartz

Private Wealth Advisor, Branch Manager

Senior Vice President, Financial Advisor

400 Central Ave., Ste. 240A Northfield, IL 60093 Office: 312-986-0501

2211 York Rd., Ste. 100 Oak Brook, IL 60523 Direct: 630-573-9677

[email protected]

[email protected]@morganstanley.com MorganStanleyFA.com/Ron.Schwartz

www.raymondjames.com/arongorenstein

TWO-YEAR WINNER

• • • •

TWO-YEAR WINNER

Independent, unbiased and objective advice Helping preserve assets for future generations Custom plans for individuals and businesses 2014 – 2015 Five Star award winner

You don’t inject the same energy into achieving your personal financial goals as you do your business goals. Yet, like business goals, achieving personal goals requires forethought and preparation, and the best result is achieved by working with hardworking, laser-focused people. Trusted people focus on doing a job for you so you can do “bigger things.” I bridge that gap in your life by being that trusted advisor who focuses on coordinating all aspects of your financial affairs. Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC. Raymond James and its advisors do not provide tax or legal advice. This award is bestowed by an independent third-party organization not affiliated with Raymond James.

Our Job … ? Your Goals

• • • •

Ethical, proactive, service-oriented Professional, focused, strategic advice Targeted, global resources and solutions 2014 – 2015 Five Star award winner

Managing wealth begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. Ron strives to develop effective, personal and professional relationships. Areas of experience include asset allocation, portfolio design, retirement planning, trust services, wealth protection and transfer techniques. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Working With You Toward Success on Your Terms

www.fivestarprofessional.com — FS

• 35

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Michael T. Jankowski

Patrick Curtin

President, CEO

Vice President, Wealth Advisor, CERTIFIED FINANCIAL PLANNER™ professional

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL 1 Westbrook Corporate Ctr., Ste. 300 Westchester, IL 60154 Office: 708-481-4000 [email protected] www.wpn360.com

2211 York Rd., Ste. 100 Oak Brook, IL 60523 Direct: 630-573-9769 [email protected]

FOUR-YEAR WINNER

FOUR-YEAR WINNER

• Specializing in the large and complex estates of physicians and business owners • Providing comprehensive wealth management, tax management and asset preservation • Team practice dedicated to providing a concierge level of service and support At Wealth Planning Network, we utilize a comprehensive approach to planning, managing, safeguarding and strategically using assets to enhance your current and future way of life. It is our business and passion to thoroughly understand our clients’ goals and dreams so that we can leverage our experience and knowledge to help you pursue them.

• Depth of professional resources • Commitment to service excellence • Dedication to clients’ interests

The strategic integration of internal and external resources is central to Pat’s wealth management philosophy. These resources, as well as a network of legal and tax professionals, are key in developing individual strategies for complex financial situations. Five Star award winner in 2012, 2013, 2014 and 2015.

Investing involves risks, including the risk of principal loss. Securities offered through LaSalle St. Securities LLC (LSS), Member FINRA/SIPC. Mr. Jankowski is an Investment Advisor Representative of and advisory services are offered through LaSalle St. Investment Advisors LLC (LSIA), a Registered Investment Advisor affiliated with LSS. Wealth Planning Network is not affiliated with LSS or LSIA. Mr. Jankowski’s executive titles are not references to LSS or its affiliates.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Premier Wealth Management and Estate Planning

Timely, Informed and Objective Guidance

Mark V. Yackey

Stephen M. Parlier

CFP®, MBA, Financial Advisor

Financial Advisor, First Vice President, CPM®

FOUR-YEAR WINNER

2323 Naperville Rd., Ste. 150 Naperville, IL 60563 Phone: 630-955-1400 Fax: 630-955-1414 M [email protected] Ameripriseadvisors.com/Mark.V.Yackey

For the last 24 years, I’ve worked with clients to help them make prudent financial decisions. We continue to evaluate and recommend what makes the most sense for their particular situation and to help them achieve financial independence and realize their dreams. I believe that I can help you as well. 2012 – 2015 Five Star Wealth Manager.

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Planning on Making a Difference

227 W Monroe St., Ste. 3400 Chicago, IL 60606 Office: 312-917-7453 [email protected] www.morganstanleyfa.com/parlier

FOUR-YEAR WINNER

• • • •

Comprehensive wealth management Customized portfolio management Retirement and estate planning 2012 – 2015 Five Star award winner

Stephen is a Certified Portfolio Manager who builds customized portfolios that are tailored to each client’s specific financial goals. With nearly 30 years of experience, he feels his proactive approach to comprehensive wealth management sets him apart from others. “I am honored to receive this award once again as I feel it validates my goal of providing true value to my clients through my wealth management process.” ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Commitment to Excellence

FS • 36 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Joe Della Monica

Dino A. Capitani

CFP®, MBA, Private Wealth Advisor

Senior Portfolio Manager, Senior Vice President, Finanical Advisor, CRPC®

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL THREE-YEAR WINNER

Della Monica & Associates 3013 N Ashland Ave., Ste. 1 Chicago, IL 60657 Office: 773-880-5900 [email protected] www.josephdellamonica.com

• Make wise financial decisions and avoid harmful, costly mistakes • Retire confidently • Stay retired comfortably

You’ve been working hard, planning and saving for your retirement. These days, it’s not unusual for retirement to last 20 to 30 years, or even longer. But, have you identified what your retirement will look like and how much income you’ll need to support it? Are you asking the right questions and are you on track? It may be time to get a second opinion. Our team specializes in planning for retirement income to help you plan for a confident retirement. 2013 – 2015 Five Star Wealth Manager award winner. Della Monica & Associates, a private wealth advisory of Ameriprise Financial Services, Inc. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

2211 York Rd., Ste. 100 Oak Brook, IL 60523 Direct: 630-573-9641 [email protected] morganstanleyfa.com/dino.capitani

• • • • •

Retirement planning Comprehensive wealth management Personalized financial plan Commitment to service and communication Over 30 years of experience

I’ve been in the financial industry since 1985. My financial philosophy is based on building enduring relationships with individuals, families and businesses through my commitment to outstanding service and communication. Working with a team of specialists, I’m able to assist clients in every aspect of their financial lives. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

We Understand Your Challenges and Can Help You …

Personal and Comprehensive Advice

Martha A. Maugh

Michael Paul Ranieri

Senior Vice President, Financial Advisor, CFP®

FIC, Financial Consultant

227 W Monroe St., Ste. 3400 Chicago, IL 60606 Office: 312-648-3373 [email protected] www.morganstanleyfa.com/marty.maugh

1800 Nations Dr., Ste. 202 Gurnee, IL 60031 Phone: 847-875-3628 [email protected] www.thrivent.com

TWO-YEAR WINNER

• • • •

Holistic financial planning Customized investment strategies Advisory approach with attorneys and CPAs 2014 and 2015 Five Star award winner

My practice is built on trust, integrity and experience. Whether you have built your nest egg over many years of hard work, through inheritance or due to an unforeseen circumstance, it is my job to help you plan for your future. My goal is to be a financial resource for you and your family. I will work to bring a sense of comfort and reality to your situation. Together, we will use a collaborative approach to simplify your financial life. Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board’s initial and ongoing certification requirements. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Helping Clients Simplify Their Lives

• Knowledgeable and experienced • Professional service with personal attention • Solution-based strategies

As a financial consultant, I strive to give my members the most comprehensive, customized guidance to help them achieve all of their goals. I use a holistic approach to help understand and analyze your current situation, develop an in-depth program and help implement an integrated financial strategy. Insurance products issued or offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents/producers of Thrivent. For additional important information, visit Thrivent.com/disclosures. CA Lic. 0H11207.

Connecting Faith and Finances for Good

www.fivestarprofessional.com — FS

• 37

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Michael J. Gibbons

David C. Rutter

RICP®, President and Founder

Vice President, Financial Advisor

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL 100 S Saunders Rd., Ste. 150 Lake Forest, IL 60045 Office: 773-218-4773 [email protected] gibbonsfinacialgroup.com

2211 York Rd., Ste. 100 Oak Brook, IL 60516 Phone: 630-573-9734 [email protected] www.morganstanleyfa.com/ david.c.rutter

THREE-YEAR WINNER

• Practical solutions to complex retirement decisions • Tax-efficient income planning strategies • Tactical and timely investment management

At Gibbons Financial Group, Inc., you are our priority. As a smaller advisory firm, we have the unique ability to address your financial needs in a personal, face-to-face manner, where larger companies may fall short. We are about more than financial planning and investments — we are about lasting and deeply rooted relationships.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Alchemy Advisors, LLC, a registered investment Advisor. Alchemy Advisors LLC, and Gibbons Financial Group, INC. are separate entities from LPL Financial.

• • • •

High level of experience Custom, personalized planning Highly ethical, non-biased advice Tremendous level of resources available

As a financial advisor, my role is to help you use your wealth to achieve what is most important to you. That may mean providing an education, buying a vacation home, retiring early — the list is endless, and the decision is uniquely yours. Your goals become our focus, and achieving them becomes a commitment that we share.

©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Building Wealth With Integrity

Gregory C. Stoumbelis

Paul Donato

Retirement Planning Specialist

Financial Advisor, Franchise Owner

8770 W Bryn Mawr Ave., Ste. 1200 Chicago, IL 60631 Phone: 773-380-8345 [email protected] www.thgfinancial.com

THREE-YEAR WINNER

• • • • •

FOUR-YEAR WINNER

More than 22 years of experience Wharton certificate in retirement planning Investments and annuities Insurance Business services

• • • •

18-6 E Dundee Rd., Ste. 100 Barrington, IL 60010 Office: 847-898-9916 Cell: 847-682-4942 [email protected] ameripriseadvisors.com/paul.j.donato

Investments Family finances Retirement planning strategies 2012 – 2015 Five Star Wealth Manager

The overall evaluation score of a wealth manager reflects an average of all respondents and may not be representative of any one client’s evaluation. The award is not indicative of the wealth manager’s future performance. For more information on the Five Star award and the research/selection methodology, go to: http://www.fivestarprofessional.com/WMSummaryandResearch14.pdf-1284292RM-Sep17.

I am honored to be selected for the fourth year in row. For 18 years, my mission has been to provide clients with the knowledge they need to make intelligent financial decisions. I strive to present information in a straightforward, understandable manner while constantly considering changes in both the marketplace and clients’ goals in order to help them make necessary adjustments. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Are You Asking the Right Question?

Timely, Informed and Straightforward

Where are you headed? It’s a simple question that usually yields a complex response. Achieving your goals, whatever they are, is about much more than how you are invested. We unfortunately spend more time planning our vacations than we do our futures. Let me help. My job is to help you get where you want to go.

FS • 38 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Gary M. Silverman

Daniel Liebers

CFA, Managing Partner, Wealth Management Practice Leader

Financial Professional

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL AXA Advisors

140 S Dearborn St., Ste. 300 Chicago, IL 60603 Phone: 312-376-8439 [email protected] www.blueprairiegroup.com

1751 Lake Cook Rd. Deerfield, IL 60015 Office: 224-554-8054 [email protected] www.drliebers.com

FOUR-YEAR WINNER

• Chartered Financial Analyst® and member of the CFA Institute • 20-plus years’ experience designing and managing discretionary portfolios and creating pragmatic solutions for his clients’ financial futures

Blue Prairie Group’s wealth management practice combines comprehensive financial planning with world-class discretionary asset management to create custom portfolios designed to meet our clients’ financial objectives while attempting to take on the least amount of risk possible.

• Asset accumulation • Asset preservation • Retirement income and wealth transfer

As an AXA Advisors financial professional, I am dedicated to helping my clients build secure financial futures. To do it right takes commitment and the services of a capable financial professional like me. Since 1988, I have been helping my clients address and meet their financial goals. Daniel Liebers offers securities through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products offered through AXA Network, LLC. AGE-106614(8/15)(exp.8/17).

Driven by Passion, Backed by Results

Committed to Client Service

Robert A. Strobel III

Paul Gassel

CFP®, First Vice President – Investment Officer

Managing Partner, Certified Fund Specialist®

1752 Capital St., Ste. 100 Elgin, IL 60124 Direct: 847-841-7651 [email protected] www.wfadvisors.com/robert.strobel

300 S Wacker Dr., Ste. 2000 Chicago, IL 60606 Direct: 312-356-2167 [email protected]

FOUR-YEAR WINNER

• • • •

Retirement goal planning Investment portfolio strategies Small-business retirement planning Education funding

• Comprehensive wealth management • Investment advisory • Risk management

With over 20 years of experience as a financial advisor, my role is to assist my clients in creating an investment plan that assists them in reaching their goals and to help realize their dreams. I believe the key to this success is forging a relationship where all aspects can be accounted for to create a customized strategy.

Paul Gassel is managing partner of WWM Investments, LLC and has served as a financial advisor since 1995. Paul assists his clients with the accumulation and protection of personal wealth tailored to meet the complex and rapidly evolving financial markets. He works to continuously enhance his reputation for accessibility, professionalism, performance, and the depth and quality of his long-lasting consultative relationships with clients.

Wells Fargo Advisors, LLC, Member SIPC. [CAR 0915-01077].

Securities, investment advisory and financial planning services offered through MML Investors Services, LLC. Member SIPC. WWM Investments, LLC is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.

Trusted Advice — Exceptional Service

Planning Today for Tomorrow

www.fivestarprofessional.com — FS

• 39

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Jason N. Slezak

Terrence D. Wittman

Financial Consultant

MBA, President, LPL Financial Advisor

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL 41412 N Hwy. 83 Antioch, IL 60002 Phone: 847-838-5151 Phone: 920-236-7000 [email protected] www.landoltsecurities.com

• Expertise in building and managing wealth for retirement • On faculty of New Trier School District — teaches Social Security and NTX • Manages the firm’s Oshkosh, Wisconsin, branch

Jason has more than 24 years of experience in financial services. His clientele consists of individuals, trusts, foundations, businesses and family offices. Since 1998 Jason has worked with the Greater Chicagoland and Oshkosh, Wisconsin, offices of the U.S. Social Security Administration by conducting seminars for pre-retirees.

420 E Foster Ave. Roselle, IL 60172 Phone: 630-307-6933 [email protected] www.lpladvisorweb.com/ terrence.wittman

• Customized wealth management solutions • Over 20 years of financial solutions • Featured in “Illinois Top-Ranking Advisors” book

As a financial professional, Terrence focuses on strategies that are unique to each client. He believes that this path is one traveled together via wealth management strategies that pursue your needs, wants and goals. His firm is dedicated to you, your family and your family business. Let’s build your financial future together! Securities and Advisory Services Offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.

Unmatched Retirement Income Strategies

Building a Successful Path for Your Future, Together

Barry D. Leslie

Todd N. Lebor

Wealth Manager, CFP®, MBA

CFP®, CPA, Founder and President

221 N LaSalle St., Ste. 2020 Chicago, IL 60601 Phone: 312-946-1000 Fax: 312-946-1002 [email protected] www.leslieglobalwealth.com

• • • • •

17 years of investment experience Comprehensive wealth management Tailor-made financial strategies Builds client relationships on trust and integrity Asset management

3736 W Eddy St. Chicago, IL 60618 Cell: 773-208-2733 Phone: 773-267-0483 [email protected] www.tnlassetmgmt.com

• • • • •

Comprehensive financial planning Individually tailored portfolios Fundamental, research-based investing 365/24/7 contact with the person that manages your money Competitive, tiered fees

Barry has been a wealth manager since 1998. He earned his undergraduate degree from the University of Michigan and completed his MBA in finance at the Kellogg School of Management (Northwestern University). He also has his private pilot license and loves to fly.

TNL Asset Management LLC is an independent, fee-only, Illinoisregistered investment advisor with clients across the country. We focus on building long-term wealth based on each client’s goals and risk tolerances. Our proprietary research and educational approach ensures you’ll always know why you own each security.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment Advice offered through Leslie Global Wealth, LLC, a registered investment advisor and separate entity from LPL Financial.

Please read and review TNL Asset Management, LLC’s current disclosure statement as set forth in its Form ADV for additional information about the investment adviser, our business practices, advisory services, and fee schedules.

Helping Clients Pursue Their Dreams

Know What You Own and Why

FS • 40 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Jim Stork

Willard Einspar

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL CERTIFIED FINANCIAL PLANNER™ professional, Financial Services Representative

2650 Warrenville Rd., Ste. 100 Downers Grove, IL 60515 Office: 630-441-1011 [email protected] www.einsparfamilyfinancial.com

THREE-YEAR WINNER

• • • • •

Comprehensive wealth management Business succession planning Estate planning Investment strategies Retirement planning

Integrity, excellence and reliability have been a hallmark of the Einspar family since 1920, when Will’s great-grandfather was appointed to MetLife. Combining this legacy with experience and wealth management expertise, Einspar Family Financial empowers your plans for today and your dreams for tomorrow.

CFP®, CFA, MBA

823 Burlington Ave. Western Springs, IL 60558 Office: 708-246-6262 [email protected]

FOUR-YEAR WINNER

Find Out What Makes Us Different!

You want the comfort of financial advice from someone you trust. Pinnacle Financial Group is your partner — we are independent, objective advisors working with you to navigate complex financial decisions and find the optimal solutions to your financial goals. Security. Trust. Peace of mind. Pinnacle.

Andrew N. Embery

CFP®, CRPC®, First Vice President , Financial Advisor

Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities products and investment advisory services offered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC) and a registered investment adviser. MLIC and MSI are MetLife companies. L0915437287[exp 0916][AZ, CA, FL, IL, IN, MI, MN, NC, NV, OH, OR, PA, TX, WA, WI].

227 W Monroe St. Chicago, IL 60606 Office: 312-648-3452

Making Wealth Work to Help Secure Your Family’s Future

[email protected]

FOUR-YEAR WINNER

Success requires patience, discipline and diligence. — Five Star award winner

Andrew N. Embery, CAIA®, is a financial advisor with Morgan Stanley. Andrew’s practice focuses on financial planning for high-net-worth individuals and families. 2012 – 2015 Five Star Wealth Manager award winner. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Christopher R. Stein

Donna M. Cainkar

Michael Pulliam

President – Wealth Manager

MBA, CFP®

M.S., CFS®, RTRP, Owner

Burr Ridge Financial Planning Services, Inc.

Pulliam Financial Services

4711 Golf Rd., Ste. 705 Skokie, IL 60076 Office: 847-677-3108 [email protected] www.lpl.com/christopher.stein

760 Village Ctr. Dr., Ste. 200 Burr Ridge, IL 60527 Office: 630-655-3030 BurrRidgeFinancialPlanning.com

3406 W 111th St. Chicago, IL 60655 Office: 773-238-0911

I serve as my clients’ primary financial consultant. I help organize, prioritize and simplify their finances so they can focus on what’s most important to them. The individual program, ongoing support and service I provide give my clients more confidence about their future.

For more than 30 years, D onna has independently provided expert, unbiased guidance to individuals and business entities seeking comprehensive financial planning, portfolio design and investment research with ongoing monitoring of goals and results.

THREE-YEAR WINNER

Securities offered through LPL Financial, Member FINRA/SIPC.

FOUR-YEAR WINNER

FOUR-YEAR WINNER

Michael A. Pulliam is owner of Pulliam Financial Services in Chicago, Illinois. He is honored to have received the Five Star award since its inception in 2012. Michael A. Pulliam, Registered Representative. Securities offered through HD Vest Investments ServicesSM, Member SIPC, 6333 N State Hwy. 161, 4th Fl., Irving, TX 75038, 972-870-6000. Pulliam Financial Services is not a registered broker/dealer or independent investment advisory firm.

www.fivestarprofessional.com — FS

• 41

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Joy Ann W. Sweet

John Wimbiscus

Thomas J. Fogerty

CFP®, CRPC®, AAMS®, Private Wealth Advisor

CFP®, NAPFA-Registered Financial Advisor

CFP®, CAP®, CLU®, ChFC®, MBA, Financial Advisor

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Trinity Financial Advisors, LLC

18-6 E Dundee Rd., Ste. 100 Barrington, IL 60010 Direct: 847-898-9909 [email protected] joyannsweet.com

541 N Fairbanks Ct., Ste. 1060 Chicago, IL 60611 Phone: 312-245-1300 [email protected] www.TFA-LLC.com

8770 W Bryn Mawr Ave., Ste. 1200 Chicago, IL 60631 Office: 773-380-8322 Cell: 630-251-2433 [email protected] www.thgfinancial.com

For 25 years, I have been helping high-networth clients plan their financial goals through combining a comprehensive financial planning approach and investment selection. 2012 – 2015 Five Star Wealth Manager. Sweet, Schneider & Associates, a private wealth advisory practice of Ameriprise Financial Services Inc. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Trinity Financial Advisors, LLC focuses exclusively on financial planning, investment management and income tax-preparation services for our clients. As fiduciaries, we provide these services with objectivity and independence. It is our goal to promote long-term relationships that continue from generation to generation.

Tom excels at identifying the lost opportunities and unintended consequences that lay hidden within his clients’ current financial arrangements. Then, using game-changing strategies, he helps position their assets for high efficiency and best use. Registered Representative of and Securities and Investment Advisory Services offered through Hornor, Townsend & Kent, Inc. (HTK), Registered Investment Advisor , Member FINRA/SIPC. The Heartland Group is independent of HTK. 1261785RM-Aug17.

Barbara J. Finder

Gisella Tomasio

Richard J. Madal

CRPC®, Financial Advisor

FIC, CLTC, RICP®, Financial Associate

FOUR-YEAR WINNER

FOUR-YEAR WINNER

Financial Advisor, Senior Vice President

227 W Monroe St., Ste. 3400 Chicago, IL 60606 Office: 312-648-3555

303 E Wacker Dr., Ste. 1107 Chicago, IL 60601 Phone: 312-542-9634 Fax: 312-589-5551 [email protected]

[email protected] morganstanleyfa.com/barbarafinder

THREE-YEAR WINNER

FOUR-YEAR WINNER

• Five Star Wealth Manager award winner, 2013 – 2015 Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

ameripriseadvisors.com/gisella.r.tomasio

Specialties and interests: women’s financial strategies, sustainable and responsible investing and retirement planning strategies. Professional achievements: 16 years of experience, Women’s Choice Award 2014 and 2012 – 2015 Five Star award winner. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

11935 Bates Ct. Orland Park, IL 60467 Office: 708-403-7734 [email protected] www.Thrivent.com

THREE-YEAR WINNER

Achieving your goals requires preparation. I can help you assess your situation and develop a financial strategy that is customized for you — from strategies to help you grow your assets to asset distribution in retirement. Licensed agent/producer for insurance products offered by Thrivent Financial, marketing name for Thrivent Financial for Lutherans, Appleton, WI. Registered representative for securities offered through Thrivent Investment Management Inc., Minneapolis, MN. Member FINRA and SIPC. Thrivent.com/disclosures.

Dennis S. Gregor

Michael S. Krzywdzinski

Daniel T. Younglove

Financial Advisor, Business Financial Advisor

Financial Advisor

Financial Advisor, First Vice President

TWO-YEAR WINNER

9701 W Higgins Rd., Ste. 240 Rosemont, IL 60018 Office: 847-720-4688 [email protected] ameripriseadvisors.com/ dennis.s.gregor

As a 2014 – 2015 Five Star Wealth Manager and an experienced advisor, I know that everyone’s financial picture is different and that each person’s priorities change depending on their time horizon, how they accumulated their wealth and their longand short-term goals. I help each of my clients develop a strategy tailored to their unique needs. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

2650 Warrenville Rd., Ste. 100 Downers Grove, IL 60515 Phone: 630-441-1251 Fax: 630-725-1240 [email protected] www.ifc.metlife.com

For the past 30 years, I have provided exceptional service and thorough advice. Thank you to all my clients for the continued trust and confidence that you have placed in me and for the meaningful relationships we have established together. MetLife Premier Client Group is the distribution channel name for the offices of Metropolitan Life Insurance Company, New York, NY 10166. Securities products and investment advisory services offered by MetLife Securities, Inc., (member FINRA/SIPC) and a registered investment advisor headquartered at 1095 Avenue of the Americas, New York, NY 10036.

2211 York Rd., Ste. 100 Oak Brook, IL 60523 Phone: 630-203-6170 [email protected] www.morganstanleyfa.com/ younglove/

For over 20 years, Dan has been helping people achieve their lifetime goals and dreams. There are many dynamics to financial planning. Knowing exactly what a client’s goals are and prioritizing them is just as important as the strategy that is used.

©2015 Morgan Stanley Smith Barney LLC. Member SIPC.

FS • 42 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Diana J. Joseph

Mary L. Tomanek

Cyril Friend III

Chief Investment Officer, Managing Director

Institutional Consultant, Sr. VP, CFP®, CIMA®, CRPS®

LPL Financial Advisor

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL 1 N Franklin St., Ste. 1105 Chicago, IL 60606 Phone: 312-870-1902 [email protected]

111 S Pfingsten Rd., Ste. 200 Deerfield, IL 60015 Phone: 847-480-3605 Fax: 847-613-4458 [email protected] www.morganstanleygc.com/tomanek

FOUR-YEAR WINNER

Diana Joseph has been successfully helping families, foundations and institutions to preserve and manage their wealth for more than 20 years. Her approach is disciplined and strategic, competently assessing the macroeconomic environment and planning an investment road map to make it safely down that winding road to accomplishing her clients’ goals.

With over 36 years of experience, we offer a dedicated team of professionals who specialize in institutional consulting by providing customized investment solutions to public and corporate retirement plans.

©2015 Morgan Stanley Smith Barney LLC. Member SIPC. Graystone Consulting is a business of Morgan Stanley.

THREE-YEAR WINNER

12 E Quincy St. Riverside, IL 60546 Office: 708-442-9234 Cell: 708-674-3350 [email protected] investwithfriends.com

“With over 20 years’ experience as a wealth manager, I know this is not merely a knowledgebased business — it is relationship-based. “A transaction covers only one pay period. A relationship covers at least two lifetimes.” — Cyril Friend Securities offered through LPL Financial. Member FINRA/SIPC.

R. Mark Trittschuh

Brett White

R. Jason Armstrong

Senior Wealth Advisor

CFP®, APMA® , Private Wealth Advisor

CA Insurance License 0F65840

AXA Advisors

nd

1301 W 22 St., Ste. 1100 Oak Brook, IL 60523 Phone: 630-573-8600 Phone: 630-368-3627 [email protected] www.claconnect.com

Go Where You Want to Go

• Customized, goals-based planning process • Objective investment advice • Full range of financial, estate and tax consulting

Trust one firm for all your personal, family and business goals.

1515 W 22nd St., Ste. 300 Oak Brook, IL 60523 Phone: 630-575-5023 [email protected]

1 Oakbrook Terrace, Ste. 700 Oakbrook Terrace, IL 60181 Office: 630-396-1823 [email protected] www.brettdwhite.com

FOUR-YEAR WINNER

What are your financial dreams? My goal is to make sure that you live them! I provide simple solutions to complex decisions through longterm relationships with my clients. 2012 – 2015 Five Star Wealth Manager award winner.

With 18 years’ tenure, Jason works with clients to construct family protection and wealth management strategies. He works with business owners to help them pursue more value from their businesses more tax-efficiently.

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Securities offered through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC.

James A. Longo, Jr.

Faron Daugs

Monica E. Lacey

Financial Planner, CPA*, PFS, CFP®, CRPC®

CFP®

Wealth Management Specialist, Financial Planner

FOUR-YEAR WINNER

8755 W Higgins Rd., Ste. 200 Chicago, IL 60631 Phone: 773-867-3624 Cell: 630-330-2400 [email protected] www.PWALFA.com

By taking time to build deep relationships with clients, we help to define objectives, make clear decisions and chart a course of action to simplify the financial aspects of their lives, giving them more time to spend on the activities in their lives that bring them joy, happiness and fulfillment. James Longo is a registered representative with Lincoln Financial Advisors Corp., a broker/dealer (Member SIPC) and registered investment advisor. *Licensed not practicing. CRN-1284349-082715. PWA is a marketing name used to conduct business through Lincoln Financial Advisors.

Pegasus Wealth Strategies, Inc. “An Independent Firm”

728 Florsheim Dr., Ste. 12 Libertyville, IL 60048 Office: 847-281-9898 [email protected]

THREE-YEAR WINNER

• Independent, objective strategies • Customized, disciplined investment process • Five Star award winner, 2012, 2014 and 2015

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through CWM, LLC, a Registered Investment Advisor and separate entity from LPL Financial.

1100 Jorie Blvd., Ste. 118 Oak Brook, IL 60523 Office: 630-368-0400 [email protected]

TWO-YEAR WINNER

WealthAndFinancialPlanningStrategies.com

We have built a reputation for providing trustworthy, well-researched, unbiased advice to our clients. Our customized retirement and investment plans allow us to create, actively monitor and adjust your personalized financial plan and investment strategies to achieve and maintain lifetime and legacy goals. 2013 and 2015 Five Star Wealth Manager. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. This award is bestowed by an independent third party that is not affiliated with Raymond James.

www.fivestarprofessional.com — FS

• 43

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

Five Star Wealth Manager

SPECIAL ADVERTISING SECTION ­

Tony Albertino

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Financial Advisor

Albertino Financial 1100 Jorie Blvd., Ste. 359 Oak Brook, IL 60523 Direct: 630-368-1190

[email protected]

albertinofinancial.com

THREE-YEAR WINNER

Our culture is a set of values that guide everything we do: communicating with clients, collaborating as a team or giving back to our community. Our values supply the compass by which we stay focused: providing independent financial advice.

“You will never get rich by just saving money — you must invest in opportunities to build wealth.” — Five Star award winner

Securities offered through Cambridge Investment Research, Inc. Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc. Cambridge and Albertino Financial are not affiliated.

Award winners listed by primary services and listed alphabetically by last name.

Business Planning

Mark Giovanazzi · Morgan Stanley Steven Herrmann · MetLife Securities

Andrew Allison · Ameriprise Financial Services, Inc.

Jason Bittenbinder · Alchemy Financial Group

Robert Byrns · Strategic Investment Solutions Page 34

Peter Amling · Amling Investments

David Blaydes · RPI Financial Life Planners

Christopher Cagadas · Ameriprise Financial Services, Inc.

Janet Bolton · Morgan Stanley

Donna Marie Cainkar · Burr Ridge Financial Planning Services Page 41

Robin Anderson · LPL Financial

Benjamin Wozniak · First Midwest Financial Services

Bradley Angeletti · Robert W. Baird & Company

Estate Planning

John Argo · Capital Management Consultants

Michael Jankowski · Wealth Planning Network Page 36

Karen Asbra · Rappaport Reiches Capital Management

Teresa Mary Bousky · Financial Strategy Network

Financial Planning

Vijay Bajaj · Ameriprise Financial Services, Inc.

Jenny Boyke · Kovitz Investment Group

Alan Abramson · Mesirow Financial

Debra Baker · Morgan Stanley

John Adam · Forum Financial Management Page 19

Mark Balasa · Balasa Dinverno Foltz Page 4 & 5

Nickolas Brait · Raymond James Financial Services

Tracy Adamczyk · Ameriprise Financial Services, Inc.

Todd Balber · B&R Financial

Steven Adams · Ameriprise Financial Services, Inc. Page 32 Barbara Adelman · Stonebridge Wealth Advisors

Susan Ahlfeld · Ascent Financial Advisors/Ameriprise Financial Services, Inc.

Michael Alaimo · Morgan Stanley Page 7 Eddie Albazi · Valic Financial Advisors Tony Albertino · Albertino Financial Page 44

Matthew Allgood · LPL Financial

Philip Battin · GCG Financial

Wendy Baum · Infinity Strategic Partners

Eric Beaderstadt · Thrivent Financial Bruce Becker · Morgan Stanley Mark Berg · Timothy Financial Counsel

Harold Berger · Ameriprise Financial Services, Inc.

Joseph R. Book · Itasca Bank & Trust Company Daniel Bouska · LPL Financial

Kathy Caluwaert · LPL Financial

Robert Campbell · Morgan Stanley Ryan Carey · Insight Wealth Management

Joel Carlsen · Morgan Stanley

Alison Brandt · Ameriprise Financial Services, Inc.

Chad Carlson · Balasa Dinverno Foltz Page 4 & 5

Tyler Braun · Money Concepts Capital

Julie Casserly · JMC Wealth Management

Allen Bronton · Clear Financial Strategies

Anthony David Cecchini · JMG Financial Group Page 2 & 3

Jason Brooks · Signature Advisors Group

Thomas Cerny · Voya Financial Advisors

David Brown · Morgan Stanley

Michael Chong · Voyage Financial Group

Roger Brueckbauer · First Command Financial

Scott Berk · Morgan Stanley

Julie Bucaro · Balasa Dinverno Foltz Page 4 & 5

Michael Bernberg · Ameriprise Financial Services, Inc.

Nancy Buerger · Ameriprise Financial Services, Inc. Page 26

Anthony A. Bianchi, Sr. · Thrivent Financial

Bruce Butler · Morgan Stanley Page 9

Zachary Birkey · Morgan Stanley

Besina Calcagno · Lynch Mcpeek Wealth Management

Kyle Chudom · Morgan Stanley

Michael Ciesemier · Morgan Stanley Cyrus Clausen · Ameriprise Financial Services, Inc. Page 34 Thomas Cleland · Morgan Stanley Stephen Cless · Charles Schwab & Company

FS • 44 — www.fivestarprofessional.com

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The Five Star award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 5,833 Chicago wealth managers were considered for the award; 716 (13 percent of candidates) were named 2015 Five Star Wealth Managers.

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Chad Coe · Coe Financial

Andrea Rene Cohen · Kovitz Investment Group

Michael Cohen · Morgan Stanley Philip Cole · Hochman Cole Investment Advisors

Thomas Frank Collar · Balasa Dinverno Foltz Page 4 & 5

Arthur Michael Connor · Independence Capital Financial Partners

John Corey · Ameriprise Financial Services, Inc.

Nick Cosky · Balasa Dinverno Foltz Page 4 & 5 Paul Coyner · Morgan Stanley

Patrick Curtin · Morgan Stanley Page 36 Jennifer Dallas · Morgan Stanley

Faron Daugs · Harrison Wallace Financial Group Page 43

Jennifer Dawson · Balasa Dinverno Foltz Page 4 & 5 Henry Deangelis · Ameriprise Financial Services, Inc.

Jeffery DeCant · Thrivent Financial Jonathan DeFreytas · Morgan Stanley

Joseph Della Monica · Ameriprise Financial Services, Inc. Page 37

Ryan DeProsperis · Morgan Stanley David Dermenjian · Mesirow Financial

Karen DeRose · Lincoln Financial Advisors Page 10

Anthony DeSignor · Morgan Stanley William Edward Dever, Jr. · JMG Financial Group Page 2 & 3 Armond A. Dinverno · Balasa Dinverno Foltz Page 4 & 5

James Dischert · 360 Financial Group

Todd Diven · Wealth Enhancement Group Kevin Doney · Oppenheimer & Company

Ellen Dowling · Trinity Financial Advisors Steve Dudash · IHT Wealth Management

Donald Duncan · D3 Financial Counselors Page 31

Andrew Embery · Morgan Stanley Page 41

Jae Ha · Chicago Oakbrook Financial Group

William Kearns · Ameriprise Financial Services, Inc.

Constance Etter · Wunderlich Securities

Mike Haffling · Verus Capital Management Page 32

Bill Keffer · Keffer Financial Planning

Douglas Ray Evans · JMG Financial Group Page 2 & 3

Susan Hall · Raymond James Financial Services

Ryan Evans · Blueprint Wealth Advisors

Thomas Harris · LPL Financial Page 30

Craig Raymond Eyler · Morgan Stanley

Michael Haynes · Morgan Stanley

Gwendolyn Kirkland · Kirkland, Turnbo & Associates

Terrence Heafey · Brickwork Financial Planning

Garland Brent Kizer · Voya Financial Advisors

Marcus Heinrich · Forum Financial Management Page 19

Brenda Knox · Financial Elements

Amanda Falkum · Kovitz Investment Group Perry Favia · Morgan Stanley Page 11

Jeffrey Feinendegen · LPL Financial John Ferrante · Chicago Oakbrook Financial Group Barbara Finder · Morgan Stanley Page 42 Glenn Fischer · LPL Financial

Christopher Fisher · Fisher Financial Partners Thomas Fogerty · The Heartland Group Page 42 Erik Ford · Ford Wealth Management

Jeffrey Hejza · Lincoln Park Financial Group

Jay Hesdorffer · Morgan Stanley Marietta Hesdorffer · Morgan Stanley

Brian Hickey · Morgan Stanley

Mike Kwiatkowski · LPL Financial Page 21

Benjamin Hockema · Deerfield Financial Advisors

Dan P. Hoffmann · Morgan Stanley

Paul Gassel · WWM Investments Page 39

Evan Hoobchaak · Ameriprise Financial Services, Inc.

Robert Gattuso · Morgan Stanley

Edward Horwitz · Horwitz & Associates

Michelle Hughes · Morgan Stanley

Myron Gaylord · Invesco

Julie Hupp · Aspire Planning Group

William Robert German · JMG Financial Group Page 2 & 3

Karen Hurt · Cetera Investment Advisers

Adam Glassberg · D3 Financial Counselors Page 31

Nathan Huveldt · Morgan Stanley

Cory Goldman · Ameriprise Financial Services, Inc.

Robert Jackway · Vital Wealth Management

Aron Gorenstein · Raymond James Financial Services Page 35

Christopher Jasper · Ameriprise Financial Services, Inc.

Brian Graf · Investment Solution Services

William Jene · Morgan Stanley

Daniel Iverson · Morgan Stanley

Robert Jensen · Morgan Stanley

Ryan Johnsen · Ameriprise Financial Services, Inc. David Jutovsky · Leonetti & Associates Page 8

Andrew Griffo · Morgan Stanley

Kerry Kabza · Ameriprise Financial Services, Inc.

Nathaniel Robert Dutko · LPL Financial

W. Eliott Grigg · Ameriprise Financial Services, Inc.

Joshua Kadish · RPG-Life Transition Specialists Page 13

William Easom · Morgan Stanley

Matthew James Grubb · JMG Financial Group Page 2 & 3

Brian Kadlec · Morgan Stanley

Mary Anne Ehlert · Forum Financial Management Page 19 Willard Einspar · MetLife

Page 41

Ronald Krause · LPL Financial

Michael Krzywdzinski · MetLife Page 42

Richard Holmberg · Liberty Asset Management

Dennis Gregor · Ameriprise Financial Services, Inc. Page 42

Jeffry Kraus · Wintrust Wealth Management

William Hickerson · Advance Capital Management

Cyril Friend III · LPL Financial Page 43

Robert Granner · Thrivent Financial

Edward Koczorowski · Premier Wealth Group/MetLife

Dustin Kriengsak-Obhas · CLA Financial Advisors

Richard P. Hohol · Chartered Consultants

Thomas Gramins · GEM Financial Advisors

James Boniface King · Balasa Dinverno Foltz Page 4 & 5

Clay Peter Hessel · GCG Financial

Martin Friedman · Friedman Financial Strategies

Martin Gaughan · Gaughan Capital Management

Paige Kerr · Ameriprise Financial Services, Inc.

Joyce Guccione · Morgan Stanley

Christopher Abe Karam · Sheridan Road Financial

Will V. Gunlicks · Huber Financial

Joe Kartheiser · Morgan Stanley

Nancy Ladd · Trinity Financial Advisors

William Laipple · Stonebridge Wealth Management

Robert Lanigan · Morgan Stanley David Latko · Latko Wealth Management Page 26

Lawrence Lazar · Lazar Financial

Erin Leland-Haley · Morgan Stanley David Lennon · Forum Financial Management Page 19 Justin Howard Lesch · JMG Financial Group Page 2 & 3 Sherwin Lesk · Leonetti & Associates Page 8

Samuel Levy · The On Equity Sales Company Carlo Licata · Morgan Stanley

Craig Lindemann · Morgan Stanley Heather Locus · Balasa Dinverno Foltz Page 4 & 5

Gary London · Ameriprise Financial Services, Inc.

Laurel Long-Engel · Morgan Stanley James A. Longo, Jr. · Lincoln Financial Advisors Page 43

Curtis Loveday · Morgan Stanley Mark Lucaccioni · Praire Sky Financial Group

Frederick Lucas · Charles Schwab & Company Monte Luzadder · Ameriprise Financial Services, Inc. Page 34

www.fivestarprofessional.com — FS

• 45

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William R. Lymangood · Morgan Stanley Page 7

John Michalak · Chicago Investment Advisory Council

Kevin Phillips · Savant Capital Management

John Schavocky · Ameriprise Financial Services, Inc.

Stephen Mack · Mack Investment Securities

Matthew S. Mikula · Balasa Dinverno Foltz Page 4 & 5

Louis Piccione · Morgan Stanley

Denise Schirmann · Morgan Stanley

Donald L. Mackay · Ameriprise Financial Services, Inc.

Paul Milner · Thrivent Financial

Bruce Pipin · Morgan Stanley

David Schlossberg · Assured Concepts Group

Kevin Madden · Ameriprise Financial Services, Inc.

Scott Magnesen · Morgan Stanley Peter Maguire · Morgan Stanley Don Mahlke · GCG Financial

Thomas Manzardo · Ameriprise Financial Services, Inc. Claudia Marban · Ameriprise Financial Services, Inc.

David Marcus · David A. Marcus & Associates Peter Maris · Resource Financial Group Amie Marks · Raymond James Financial Services

Dennis R. Marx · JMG Financial Group Page 2 & 3

Michael Masciopinto · Ameriprise Financial Services, Inc. Trevor Mathias · Morgan Stanley Curtis Matlin · MetLife Premier Client Group

Pamela Matthews · Ameriprise Financial Services, Inc.

Nicole Mayer · RPG-Life Transition Specialists Page 13 Jim McGovern · J. McGovern and Associates Bruce McKee · Raymond James Financial Services Edward McNamara · Morgan Stanley Page 20

John McNamara · McNamara Capital Investment Group Page 31

Maureen McPeek · Lynch Mcpeek Wealth Management

Robert Mecca · Robert A. Mecca & Associates Kevin Meehan · Wealth Enhancement Group

Robert Thomas Meeks · JMG Financial Group Page 2 & 3

Joseph Menconi · JMG Financial Group Page 2 & 3 Michael Merdinger · Financial Strategy Network

Steven Ira Merdinger · Financial Strategy Network

Bridget Sullivan Mermel · Sullivan Mermel John Messerschmidt · Thrivent Financial

FS • 46 — www.fivestarprofessional.com

Anthony Mlachnik · Ameriprise Financial Services, Inc. David Morgan · JMG Financial Group Page 2 & 3

Kathleen Morton · Raymond James Financial Services Todd Moser · Ameriprise Financial Services, Inc. Jeffery Mowery · Mowery & Schoenfeld

Gerald Muldoon · Ameriprise Financial Services, Inc. John Muldoon · Ameriprise Financial Services, Inc.

James Murphree · Murphree Investment Group

Alan Nadolna · The Associates Group Page 35

Christopher Plahm · Stonebridge Wealth Management Timothy Platt · Morgan Stanley Michael Porrey · IHT Wealth Management

James Porte · Morgan Stanley

Todd Powell · Morgan Stanley

Armand Prestidge · Ameriprise Financial Services, Inc.

Michael Pulliam · Pulliam Financial Services Page 41 Srbo Radisavljevic · Edge Portfolio Management Michael Ranieri · Thrivent Financial Page 37

David Rappaport · Rappaport Reiches Capital Management Alan Reese · PFS Investments

David Navarro · Chicago Oakbrook Financial Group

Timothy Regan · Thrivent Financial Page 23

Thomas Nolan · Ameriprise Financial Services, Inc.

Shari Reiches · Rappaport Reiches Capital Management

Stephene Norwood · Morgan Stanley

George Reichl · Morgan Stanley

Jason Nowitzki · Hi Point Planning Partners Jason Robert O’Hallen · JMG Financial Group Page 2 & 3

Kevin O’Hara · Ameriprise Financial Services, Inc.

Thomas William Rendl · Compass Asset Management Matthew Scott Reznik · Balasa Dinverno Foltz Page 4 & 5

Bradford Richardson · Ameriprise Financial Services, Inc.

Christopher Roberts · LPL Financial

Jason Schultz · Morgan Stanley Gregory Schultze · Ameriprise Financial Services, Inc.

Scott Schuster · Dashboard Wealth Advisors Ron Schwartz · Morgan Stanley Page 35 John Selzer · LPL Financial

Darrin Shallcross · Shallcross Financial Planning

Ryan Shaughnessy · The Mosaic Financial Group

Tim Shaw · LDS Wealth Advisors

Brian Sheehy · Pinnacle Wealth Management Page 34 Sherwin Shenfeld · Shenfeld & Company

Claude “Bud” Sherman · Ameriprise Financial Services, Inc. Page 28

Brett Sherpan · Chicago Oakbrook Financial Group Adria Siewert · Wealth Enhancement Group

Joseph Silich · Morgan Stanley Gary Silverman · Blue Prairie Group Page 39

Jason Slezak · Landolt Securities Page 40

Thomas Roehl · Morgan Stanley

Julia Smart · Morgan Stanley Page 12

Mary O’Malley · Beacon Investment Group

Nicole Jean Romito · Financial Strategy Network

John D. Smith · Balasa Dinverno Foltz Page 4 & 5

William Orchard-Hays III · HBW Advisory Services

Ken Rosenbaum · Oppenheimer & Company

James Snider · Veritrust Wealth Management

Joseph Orsolini · College Aid Planners

Stephen Ross · Ameriprise Financial Services, Inc.

Michael Sprenger · Ameriprise Financial Services, Inc.

Ronald Ouwenga · Morgan Stanley

Thomas Royce · LPL Financial

Jason Patel · Raymond James & Associates

Michelle Pilar Rozsypal · JMG Financial Group Page 2 & 3

Steve Stalcup · Ameriprise Financial Services, Inc.

Gary K. Pattengale · Balasa Dinverno Foltz Page 4 & 5

Timothy Rueter · Raymond James Financial Services Page 25

Frank Patzke · Guidant Wealth Advisors

David Rutter · Morgan Stanley Page 38

Patricia Paulik · LPL Financial

Patrick Ryan · Morgan Stanley

Mark Pautsch · Thrivent Financial

Andy Saeger · Charles Schwab & Company

Gerard O’Malley · Ameriprise Financial Services, Inc.

Justin Peacock · Balasa Dinverno Foltz Page 4 & 5

Timothy Sattley · Morgan Stanley

Daniel Peluse · Wintrust Wealth Management

Steven Sawyer · Ameriprise Financial Services, Inc.

Edward Perry · Perry Wealth Counsel Page 14

Bradley Andrew Schaffnit · LPL Financial

Philip Statz · Insight Financial Group

Ronald Stenger · Morgan Stanley Page 16 Duane E. Stevens · GCG Financial

Kevin Stevens · Ameriprise Financial Services, Inc. Sandra Stevens · MetLife Securities James Stone · Lincoln Financial Advisors Robin Lee Stone · Leonetti & Associates Page 8 John Straley · Infinity Wealth Management

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Deborah Strukoff · Lincoln Investment Planning

James Michael Weil · Financial Strategy Network

Mary E. Anderson · Kovitz Investment Group

Margaret Chambers · Wells Fargo Advisors, LLC

David Strulowitz · Cornerstone Advisers

Geoffrey Wharton · Ameriprise Financial Services, Inc.

Steven Anderson · Morgan Stanley

John Chapman · BSC Private Wealth Management

Marita Agnes Sullivan · JMG Financial Group Page 2 & 3

Jacob Whipp · Larson Financial Group

Michael Sullivan · LPL Financial

Brett White · Ameriprise Financial Services, Inc. Page 43

Meredith Tabbone · Ameriprise Financial Services, Inc. Angelo Tardi · Levine & Reid

Jeff Tarter · Ameriprise Financial Services, Inc.

Benjamin Teichman · Park Avenue Securities Phil Tetley · Tetley Investments

Charles Thalheimer · Ameriprise Financial Services, Inc. Curtis Thomasco · Ameriprise Financial Services, Inc.

Dan Timotic · T2 Asset Management Gisella Tomasio · Ameriprise Financial Services, Inc. Page 42 Christopher Tomes · Ameriprise Financial Services, Inc. Matthew Tomich · Ameriprise Financial Services, Inc.

John Towers · Lincoln Financial Advisors

Alexis Tsamados · AXA Advisors

Ruth Uress · Brownson, Rehmus & Foxworth Todd Vandervoorn · LPL Financial Cynthia Vavrik · Morgan Stanley Robert Viau · Thrivent Financial

Greg Wikelius · North Star Consultants

R. Jason Armstrong · AXA Advisors Page 43

Justin Chibucos · AXA Advisors Norman Chiodras · Retirement Planners

Eva Wilde · Ameriprise Financial Services, Inc.

Jay Bann · Morgan Stanley

James K. Wilkins · RPI Financial Life Planners

Nicholas Wilkins · Blueprint Wealth Advisors John W. Wimbiscus · Trinity Financial Advisors Page 42 Michael Wing · Wunderlich Securities

Douglas Winzelberg · Ameriprise Financial Services, Inc. Robert Witt · Huber Financial Joseph Wojcik · Ameriprise Financial Services, Inc.

Mark Yackey · Ameriprise Financial Services, Inc. Page 36 Robert Yarosz · Compass Asset Management Daniel Younglove · Morgan Stanley Page 42

Stuart Zimmerman · Morgan Stanley

Frank P. Vitale · Voya Financial Advisors

Anthony Zitella · Premier Wealth Group/MetLife

William Gary Waight · JMG Financial Group Page 2 & 3

Jonathan Zulauf · LPL Financial

Melissa Ashbey Walsh · JMG Financial Group Page 2 & 3

Insurance

Daniel Liebers · AXA Advisors Page 39

Dan Chervenak · Edward Jones

Juan Avila · Toroso Investments

Curtis Wilcox · Valic Financial Advisors

Norbert Wilkening · Thrivent Financial

Gabriel Chavez · Ameriprise Financial Services, Inc.

Dwight Atchley · Edward Jones Peter Babilla · Morgan Stanley

Christian Virelli · Morgan Stanley

Michael I. Wang · Financial Strategy Network

Christine Angelakos · Berthel Fisher & Company Financial Services

Bartosz Bak · Morgan Stanley

Jessie Barrett · Wells Fargo Advisors, LLC Richard Barrett · Wells Fargo Advisors, LLC

Bradley Barrie · Ameriprise Financial Services, Inc. Peter Bauer · Wells Fargo Advisors, LLC John Bensfield · Cetera Financial Specialists John Berg · Morgan Stanley

Bruce Berman · Cetera Advisors

John Biestek · Professional Retirement Specialists Page 15 F. Bill Billimoria · WealthCare Advisors

Michael Blomstrand · MetLife Page 33

H. Steel Bokhof, Jr. · Optimum Investment Advisors Craig Bolanos · LPL Financial

Barry Bolton · Morgan Stanley

Michael John Bora · Michael J. Bora & Associates/Triad Advisors James Borovsky · Gofen and Glossberg

Nick Boudreau · Edward Jones Dionne Braggs · Ameriprise Financial Services, Inc.

Maria Braham · Morgan Stanley

Cherie Wardrop · Morgan Stanley

Rick Madal · Thrivent Financial Page 42

Diane Elizabeth Warnaar · Ameriprise Financial Services, Inc.

Paul Nespeca · Foresters Equity Services

Trent Warren · Ford Wealth Management

Harish Patel · Ausdal Financial Partners

Russell Warye · LPL Financial Page 22

Investments

Philip Watson · Ameriprise Financial Services, Inc.

Naveed Ahmed · Wells Fargo Advisors, LLC

Laurie Burny · Wells Fargo Advisors, LLC

James Weaver · Morgan Stanley

Rosemary Aitken · LPL Financial

Michael R. Webb · HD Vest Advisory Services

Donald Alexander · Don Alexander Investments

Jim Calaway · Roberts, Glore & Company

Brian Wegrzyn · Synergistic Financial Center

Dan Anderson · Ameriprise Financial Services, Inc.

Byron Brook · Uhlmann Price Securities

George Christopoulos · LPL Financial

Clemens Ciupke · Roberts, Glore & Company Jason Clarke · Edward Jones

Michael Cohen · Raymond James & Associates

Brendan Connolly · Morgan Stanley John J. Conway · Kovitz Investment Group

Michael Cook · Ameriprise Financial Services, Inc. Roy Cook · Sage Private Wealth Group

Michael Corbett · Windgate Wealth Management Page 29

David Covas · Oberweis Securities Jay Cozza · Morgan Stanley

Alexander Crevi · Rothschild Investment Corporation

Jeffrey Cribbs · Chicago Wealth Management

Deborah L. Cross · Romano Wealth Management Joseph Crumley · Uhlmann Price Securities

Patricia Cutilletta · Morgan Stanley Kenneth G. Daemicke · MPS Loria Financial Planners

Craig Daun · Wells Fargo Advisors, LLC Page 27 James F. Davis · LPL Financial

Terry W. Davis · Ameriprise Financial Services, Inc.

Georganne Brown · Morgan Stanley

Jonathan Dawson · Wintrust Wealth Management

Scott Brown · RAI Wealth Management

Jeffrey DeHaan · BSC Private Wealth Management

Michael Bruce · Morgan Stanley

Alan Delcorse · Equilibrium Wealth Management

Thomas Buckley · LPL Financial

Dino Capitani · Morgan Stanley Page 37

Kyle DeVries · Edward Jones

Felicia Di Silvestro · Morgan Stanley Page 30

Daniel Donahue · Wells Fargo Advisors, LLC Page 29

Paul Donato · Ameriprise Financial Services, Inc. Page 38

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• 47

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Lawrence Doody · Uhlmann Price Securities

Joseph Glossberg · Gofen and Glossberg

Kate Jonynas · Kovitz Investment Group

Ralph D. Lynch, Jr. · Lynch Mcpeek Wealth Management

Keith Dronen · LPL Financial Page 27

Richard Gnivecki · Ameriprise Financial Services, Inc.

Kevin Jordan · Edward Jones

Colin MacLean · Wintrust Wealth Management

Alan Dubrow · Wells Fargo Advisors, LLC

Charles Gofen · Gofen and Glossberg

Diana Joseph · Barrington Strategic Wealth Management Group Page 43

Janis Duncan · Wells Fargo Advisors, LLC

William Gofen · Gofen and Glossberg

Pramod Kapur · Grace Wealth Management

Brian Magnan · Wells Fargo Advisors, LLC

Edward Edens · Kovitz Investment Group

Darren Golde · Morgan Stanley

Philip Karmin · Karmin Capital Management

Brian Magura · Edward Jones

Nancy A. Effert · Effert Financial Solutions Page 35

Scott Gongorek · Wells Fargo Advisors, LLC

Andrew Engels · Morgan Stanley

Edward Gordon · Wells Fargo Advisors, LLC

Oliver Ernst · Sage Private Wealth Group

Victor Katis · Ameriprise Financial Services, Inc.

Mark Magajne · LPL Financial Page 25

Rino Mancini · Wells Fargo Advisors, LLC

John Kearns · Morgan Stanley

Alex Marks · Citi Personal Wealth Management

Richard Gordon · Wells Fargo Advisors, LLC

Michael Kelly · Wells Fargo Advisors, LLC

Michael Martin · Wells Fargo Advisors, LLC

Joseph Michael Esposito, Jr. · Esposito, Kiker & Associates Page 24

Shane Gornik · MetLife

Judith Kernahan · LPL Financial

Howell Granger · AXA Advisors

Mary Ellen Martin Zellerbach · Martin Investment Management

Richard Evans · Richard L. Evans Investment Management

Robert C. Greulich · The Pinnacle Planning Group

Charles Keith Kiker · Esposito, Kiker & Associates Page 24

Kent Evanson · LPL Financial

Anuj Grover · Wells Fargo Advisors, LLC

Kevin Fanning · Raymond James Financial Services Deborah Feldman · Leonetti & Associates Page 8 Jay Ferguson · Edward Jones

Peter Flanzer · Lodestar Investment Counsel

Om Gupta · Wells Fargo Advisors, LLC Joseph Guttilla · Oppenheimer & Company Brian Hansen · Edward Jones Eric Hayes · Morgan Stanley

Christopher Folland · Robert W. Baird & Company

Gary Heymann · Edward Jones

Michael Foltz · Balasa Dinverno Foltz Page 4 & 5

Deborah Hines · Wells Fargo Advisors, LLC

Robert Footlik · Wells Fargo Advisors, LLC

Joel Hochman · Hochman Cole Investment Advisors

Paul Fousek · LPL Financial Page 18

James Hofheimer · Rothschild Investment Corporation

Daniel Foxen · LPL Financial

Stephen Freidin · Wells Fargo Advisors, LLC Page 28

Barrett Hickerson · LPL Financial

John Hoidas · Uhlmann Price Securities

Bruce Jay Friedman · GCG Financial

Benjamin Holland · Oppenheimer & Company

Steven Galminas · SG Financial

Robert Holt · Neuberger Berman

Spiro Garbis · Ameriprise Financial Services, Inc.

Scott Holzer · Morgan Stanley

Krzysztof Garlewicz · Market Financial Group Wealth Management

Deborah A. Hopkins · Kovitz Investment Group Daniel Hord · Rothschild Investment Corporation

Mary Kay Kluge · Morgan Stanley

Keith Krause · Krause Investment Group/Raymond James Financial Services Stuart Kruse · Kruse Asset Management

Monica Lacey · Raymond James Financial Services Page 43

Lauren Matles · Wells Fargo Advisors, LLC

Michael Matthys · Morgan Stanley Scott Matzelle · Morgan Stanley

Martha Maugh · Morgan Stanley Page 37 Patrick Mauro · Patrick Mauro Investment Advisor

Michael Lambert · PFS Investments

Kimberly Maxey · Wells Fargo Advisors, LLC

Anne Lanagan · Robert W. Baird & Company

Rose Marie McBride · Morgan Stanley

Michael Lapinski · Wells Fargo Advisors, LLC Page 27

Michael Mccann · Ameriprise Financial Services, Inc.

Jack Lasday · Morgan Stanley

Edward McCarthy · Morgan Stanley

David Allen Laube · GCG Financial

Joseph McDonnell · McDonnell Wealth Management

Todd Lebor · TNL Asset Management Page 40

Peter Ledebuhr · Ledebuhr Wealth Management

Marie Lemme · Lemme Investment Group Kevin Leonard · Deustche Asset & Wealth Management

John McElroy · Wells Fargo Advisors, LLC

Ryan McGinnis · Wells Fargo Advisors, LLC

Thomas McGivern · Wells Fargo Advisors, LLC Michael McKay · Edward Jones

Michael Leonetti · Leonetti & Associates Page 8

Mary Elizabeth Mclean · WNA Wealth Advisors

Barry Leslie · Leslie Global Wealth Page 40

Russell McLean · Wells Fargo Advisors, LLC

Paul Garrett · Garrett Consulting

Frank Isabelli · Morgan Stanley

Wade Lewis · Morgan Stanley Page 33

Russell McLean · Wells Fargo Advisors, LLC

Don Gaylord, Jr. · Edward Jones

Daniel Israelite · Oppenheimer & Company

John Linehan · Wells Fargo Advisors, LLC

Brian McNamara · Ameriprise Financial Services, Inc.

Bryan Ittersagen · Raymond James Financial Services

Alan Locke · Ameriprise Financial Services, Inc.

Ryan McNeilly · Gaylord-McNeilly, CPAs

John Jaburek · Wells Fargo Advisors, LLC

James Lohse · Independence Capital Financial Partners

Judith McNiff · Wells Fargo Advisors, LLC

David F. Johnson · Wintrust Wealth Management

Russell Luce · Planning Legacies Financial group

Gregory Meyer · Morgan Stanley

William Johnson · Morgan Stanley

Michael Lukas · Morgan Stanley

Cynthia Jones · Wells Fargo Advisors, LLC

Kevin Lynch · Morgan Stanley

Douglas Geisser · Romano Brothers & Company Harold Gianopulos · Kovitz Investment Group

Joan Giardina · Chelsey Taft & Associates Michael Gibbons · Gibbons Financial Group Page 38

Louis Gilman · Evolution Private Wealth Management

FS • 48 — www.fivestarprofessional.com

Bob Meyers · Edward Jones

James Lawrence Michel · Wells Fargo Advisors, LLC

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Susan Milanak · GEM Financial Advisors

Jeffrey Miller · NewArc Investments Norbert Mindel · Forum Financial Management Page 19 Kenneth Munao · Morgan Stanley

Jim Murphy · Wunderlich Securities Daniel Nagel · LPL Financial

Charles T. Neff · Balasa Dinverno Foltz Page 4 & 5

Andrea Nicolopoulos · Wells Fargo Advisors, LLC James Noe · Lincoln Investment Planning Steven Norvid · Siligmueller & Norvid Wealth Advisors Gerald Nothman · Wells Fargo Advisors, LLC

Michael Nothman · Wells Fargo Advisors, LLC Max Nutkowitz · Wells Fargo Advisors, LLC Keith Nyborg · Invesco

Paul Oblon · Wells Fargo Advisors, LLC Michael Olesen · LPL Financial Brian Olson · Edward Jones

Eric Otto · Chicago Oakbrook Financial Group

G. Salvatore Palazzolo · Resource Wealth Management Page 17 Cataldo Panici · Wintrust Wealth Management George Panopoulos · The Panopoulos Group

David Parker · Morgan Stanley

Stephen Parlier · Morgan Stanley Page 36

Carol Passalaqua · Morgan Stanley Richard Petras · Wells Fargo Advisors, LLC

Michael Phillipp · Ameriprise Financial Services, Inc.

Terry Phillips · Wells Fargo Advisors, LLC Raymond S. Piccione · Morgan Stanley James R. Platania · Platania Financial

Barry Proctor · Wintrust Wealth Management

Lisa Radomski · Morgan Stanley Bojan Rajkovic · Edward Jones Brian Ramaker · Edward Jones Mark Reich · Edward Jones

Jeffrey Simon · Wells Fargo Advisors, LLC

John Valleau · ShankerValleau Wealth Advisors

John Skittone · Wells Fargo Advisors, LLC

Brad Verber · Edward Jones

Nancy Reiser · Edward Jones

John Sleeting · BSC Private Wealth Management

Yonglin Ren · LPL Financial

Bruce Smith · Morgan Stanley

Michael Reninger · Ameriprise Financial Services, Inc.

Cheryl Snook · Morgan Stanley

Brett Rentmeester · Windrock Wealth Management Alan Richmond · Ameriprise Financial Services, Inc. Diane Roberts · Ameriprise Financial Services, Inc.

Mark Rodgers · Wells Fargo Advisors, LLC

Jefferson Rogers · Morgan Stanley Pragna Rohman · Wintrust Wealth Management

Joseph Romano · Romano Brothers & Company

Paul Snow · Wells Fargo Advisors, LLC

Daniel Sobol · Gofen and Glossberg William Soltis · Wells Fargo Advisors, LLC

Gigi Verrey · GCG Financial

Lawrence Vick · LPL Financial

Mark Vincent · Stonebrook Capital Management Matthew Voss · Morgan Stanley Daniel Waddick · Wunderlich Securities

James Wahout · Citi Personal Wealth Management

John Sorensen · National Securities

Christopher Waltman · Morgan Stanley

Stephen Sperling · Wayne Hummer Investments

John Weber · Wells Fargo Advisors, LLC

Christopher Stein · Christopher R. Stein Comprehensive Wealth Management Page 41

John Wedell · Wells Fargo Advisors, LLC

Larry Stein · Disciplined Investment Management

Emil Wehrle · Wells Fargo Advisors, LLC Perry Wein · Edward Jones

Glen A. Roter · Edward Jones

Brad Steinback · Infinity Strategic Partners

Andrew Rothstein · Morgan Stanley

Douglas Stepansky · LPL Financial

Joel Rovner · MetLife Premier Client Group

David Stone · Morgan Stanley

John Weissenborn · Robert W. Baird & Company

Eric Saunders · Edward Jones

James J. Stork · Pinnacle Financial Group Page 41

Robert Westrick · WNA Wealth Advisors

Michael Schaffer · Wells Fargo Advisors, LLC

Gregory Stoumbelis · The Heartland Group Page 38

Jennifer Wilken · Edward Jones

Norman Schlismann · Mesirow Financial

Robert Strobel · Wells Fargo Advisors, LLC Page 39

Daniel Schmelzer · Ameriprise Financial Services, Inc.

Bradley Summers · Wells Fargo Advisors, LLC

Lisa Schomer · LPL Financial

Donald Swanson · Thrivent Financial

Margret Schrant · Wells Fargo Advisors, LLC

Mary Schulte · Morgan Stanley

Gregory M. Sells · GMS Financial, Inc.

Stephen Senesac · Forum Financial Management Page 19 Cesar Sevilla · Ameriprise Financial Services, Inc. Sabina Sewillo · Morgan Stanley

Richard Shanley · LPL Financial Page 18 Donald Sharko · LaSalle St. Securities

Blane Shea · Riverpoint Wealth Management Travis Sheets · LPL Financial

Thomas Puccinelli · Wells Fargo Advisors, LLC

Melinda Sherman Swift · Morgan Stanley Page 6

Mark Putbrese · Edward Jones

Mark Silbert · Ameriprise Financial Services, Inc.

Joy Sweet · Ameriprise Financial Services, Inc. Page 42

Michael Swierk · Lincoln Investment Planning Barry Szymczak · Wells Fargo Advisors, LLC

Robert Thompson · Wells Fargo Advisors, LLC John Thunholm · Wells Fargo Advisors, LLC

Mary L. Tomanek · Graystone Consulting/Morgan Stanley Page 43

Bruce A. Weininger · Kovitz Investment Group

David Wilkinson · Morgan Stanley

Francis X. Williams · Oppenheimer & Company Ryan Williamson · LPL Financial Page 18 Mckenley Wilson · Wells Fargo Advisors, LLC Gerald Winbush · Ameriprise Financial Services, Inc.

Terrence Daniel Wittman · LPL Financial Page 40

John Wood · Rothschild Investment Corporation Gary Wozny · LCM Capital Management

Maria Yanez-Mavrakis · Primerica Bradley Zamler · Morgan Stanley

Christopher Zerbst · Citi Personal Wealth Management

Kenneth Tomko · T2 Asset Management

Richard Mark Trittschuh · CliftonLarsonAllen Wealth Advisors Page 43

Chester F. Turcza · Ameriprise Financial Services, Inc.

Michael Urbik · Hinsdale Associates

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and the federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC®] is a financial planning designation awarded by The American College.

www.fivestarprofessional.com — FS

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SPECIAL ADVERTISING SECTION ­

2015 PROFESSIONAL Chicago ©FIVE STAR Five Star Financial ©FIVE STAR PROFESSIONAL Services Professionals ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL A Select Award ©FIVE STAR PROFESSIONAL Determination of Award Winners ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Research Disclosures ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL These days, it takes a village to manage one’s financial world. Whether it be navigating the ever-changing landscape of tax law, sorting out your estate and succession planning, or picking the right life insurance, financial services professionals are instrumental to a sound, holistic financial plan. So how do you find a financial services professional with experience, who has a good base of clients with high retention rates, and who has undergone a regulatory and complaint review? And when you find them, are they accepting new clients?

Chicago magazine and Five Star Professional partnered to find financial services professionals who satisfy objective eligibility and evaluation criteria. For the purposes of this program, financial services professionals are defined as those who prepare a financial plan or help implement aspects of a financial plan, including financial planners, tax advisors, life and disability insurance professionals, and estate planning attorneys. Award candidates are identified by one of three sources: firm nomination, peer nomination or pre-qualification. Selfnominations for this award are not accepted.

The 2015 Five Star Financial Services Professionals are a select group, representing less than 1 percent of the financial services professionals in the Chicago area. Though this list is a useful tool for anyone looking for help with their financial plan, it should not be considered exhaustive. Undoubtedly, there are many excellent financial services professionals who, for one reason or another, are not on this year’s list.

Award candidates who satisfied the following objective eligibility and evaluation criteria were named 2015 Five Star Financial Services Professionals.

Eligibility Criteria – Required

Evaluation Criteria – Considered

1. Credentialed with appropriate state or industry licensures. 2. A ctively employed as a credentialed professional in the financial services industry for a minimum of five years. 3. Favorable regulatory and complaint history review*. 4. Accepting new clients.

5. One-year client retention rate. 6. Five-year client retention rate. 7. Number of client households served. 8. R ecent personal production and performance (industryspecific criteria). 9. Education and professional designations/industry and board certifications. 10. Pro bono and community service work.

• F  inancial services professionals do not pay a fee to be considered or placed on the final list of Five Star Financial Services Professionals. Once awarded, professionals may opt to purchase additional profile ad space or related award promotional products. • The Five Star award is not indicative of a professional’s future performance.

• The award methodology does not evaluate the quality of services provided.

 he inclusion of a financial services professional on the Five Star Financial Services Professionals list should not be construed as an endorsement of the • T professional by Five Star Professional or Chicago magazine.

• 4  80 award candidates in the Chicago area were considered for the Five Star Financial Services Professional award. 45 (approximately 10 percent of the award candidates) were named 2015 Five Star Financial Services Professionals.  ive Star Professional is not an advisory firm, and the content of this article should not be considered financial advice. For more information on the Five • F Star award, go to www.fivestarprofessional.com.

Regulatory Review:

As defined by Five Star Professional, the financial services professional has not: • B een subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine. • Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process. • Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority. • Filed for personal bankruptcy. • Been convicted of a felony.

Five Star Professional conducts a regulatory review of each candidate. Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists. • Each candidate who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history, based upon the criteria listed above. • Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a potential winner. • Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use taxation or estate planning services in order to provide consumers the opportunity to submit complaints regarding a potential winner.

For more information on the program, go to www.fivestarprofessional.com/Financial_Services.pdf.

FS • 50 — www.fivestarprofessional.com

Five Star Financial Services Professionals

SPECIAL ADVERTISING SECTION ­

Steven H. Lewis

Steven A. Koga

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Certified Public Accountant

455 N Cityfront Plaza Dr., Ste. 1500 Chicago, IL 60611 Phone: 312-670-7444 [email protected] www.orba.com

TWO-YEAR WINNER

333 W Wacker Dr., Ste. 2000 Chicago, IL 60606-1288 Phone: 312-236-6700 Fax: 312-236-6706 [email protected] www.komdr.com

TWO-YEAR WINNER

• Proactive tax planning • Strategic wealth and investment solutions • Personalized financial guidance

Steve believes that, with skilled guidance and proper planning, you can enjoy the financial rewards that come with hard work. He is dedicated to ensuring his clients’ financial success. Whether working with a client on tax planning strategies, providing financial and investment advice or working on an investment strategy to meet retirement needs, Steve’s clients place their trust in his knowledge and business acumen to reach their goals.

• • • • •

Estate planning Business-succession planning Trust and probate administration Estate, gift and income tax planning Nearly 40 years of experience

Kelly, Olson, Michod, DeHaan & Richter, L.L.C. is a multidiscipline law firm providing valued legal services to business and individual clients for over 140 years. As one of the estate and trust attorneys at the firm, Steven A. Koga advises clients on succession planning and preservation of assets.

Integrity • Knowledge • Experience

Delivering Value-Engineered Legal Solutions

Find a financial planner who will take the time to educate you, eliminate the mystery and put you on the correct path. — Five Star award winner

Kathy Garlow

Jeffery L. Mowery

Partner, CPA, J.D., CSEP

CFP®

123 N Wacker Dr., Ste. 1400 Chicago, IL 60606 Phone: 312-726-8353 [email protected] www.ssh-cpa.com

475 Half Day Rd., Ste. 250 Lincolnshire, IL 60069 Phone: 847-247-8959 [email protected] MSLLCwealth.com

TWO-YEAR WINNER

SS&H is advisor to high-net-worth family offices and individuals possessing significant wealth who require specialized services to serve their financial needs. We assist clients with tax planning, wealth-transfer strategies and estate planning. Kathy Garlow, our family office lead partner, is recognized for her custom solutions and first-rate client service.

TWO-YEAR WINNER

“Don’t listen to other people. Investigate for yourself. Be wary of wealth managers who say they never had a down year.” — Five Star award winner

Jeff is an experienced financial planner and wealth manager who utilizes a comprehensive approach to help clients reach their financial goals and achieve financial independence. Certified Financial Planner Board of Standards, Inc. owns the certification mark CFP®, CERTIFIED FINANCIAL PLANNER ™, and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

www.fivestarprofessional.com — FS

• 51

The Five Star Financial Services Professional award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1. Credentialed with appropriate state or industry licensures; 2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the financial services professional has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Accepting new clients; 5. One-year client retention rate; 6. Five-year client retention rate; 7. Number of client households served; 8. Recent personal production and performance (industry-specific criteria); 9. Education and professional designations/industry and board certifications; 10. Pro bono and community service work. Financial services professionals do not pay a fee to be considered or awarded. Once awarded, financial services professionals may purchase additional profile ad space or promotional products. The award methodology does not evaluate the quality of services provided and is not indicative of the winner’s future performance. 480 Chicago financial services professionals were considered for the award; 45 (10 percent of candidates) were named 2015 Five Star Financial Services Professionals.

Five Star Financial Services Professionals

SPECIAL ADVERTISING SECTION ­

©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR Looking for OtherPROFESSIONAL Great Professionals? ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Go to www.fivestarprofessional.com ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL ©FIVE STAR PROFESSIONAL Award winners listed by primary services and listed alphabetically by last name.

Estate Planning

Thomas Korman · Gould & Ratner

Insurance

Sharon Buccino · Hoogendoorn and Talbot

Sidney Levine · Cohen Rosenson & Zuckerman

Deborah Cole · Hoogendoorn and Talbot

Katherine Levy · SchiffHardin

Taxation

Tarick Loutfi · Tarick Loutfi Attorney at Law

Tammi Anderson · Anderson Tax & Accounting

Robert Napier · Harrison & Held Teresa Nuccio · Harrison & Held

John Argo · Business & Professional Consultants, CPAs

Michael Pinsky · Stahl Cowen

Ronald Axe · AxeCess Advisors

Regina Rathnau · The Law Office of Regina L. Rathnau

Jeffrey Baer · Jeffrey Baer & Associates

Stephen Sutera · Law offices of Stephen Sutera

Samuel Baker · Samuel R. Baker CPA

Neil Weinberg · Katten Muchin Rosenman

Steve Borucki · Catalano, Caboor & Company

Financial Planning

John Bovard · Bovard

Kimberly Coogan · Bellock & Coogan

John Curielli · Law Offices of John Peter Curielli Michael Ek · Michael R. Ek

Arthur Evans · Evans Loewenstein William Fox · Lyon & Caron

Joel Friedman · Horwood Marcus & Berk David Handler · Kirkland & Ellis Brian Jones · Harrison & Held Steven Koga · Kelly, Olson, Michod, DeHaan & Richter Page 51

Mike Hallberg · Allstate

Rona Bezman · Rona Bezman CPA

Gerald Catalano · Catalano, Caboor & Company

Steve Ballina · SBA

Annemarie Craighead · AMC Accounting Solutions

Howard Ellison · Wermer Rogers Doran & Ruzon

Joseph Ender · Corcoran Ender and Associates Kathryn Garlow · Shepard Schwartz & Harris Page 51 Ruth Goran · Ruth Goran CPA

Laura Hipes · Laura Hipes CPA

Steven Lewis · Ostrow Reisin Berk & Abrams Page 51 Ryan McNeilly · Invesco

Jeffery Mowery · Mowery & Schoenfeld Page 51

Robert Tighe · Tighe, Kress & Orr David Weinberg · BrookWeiner

Ron Weiss · Ronald A. Weiss, CPA Susan Witz · Bik & Company

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP , Certified Financial Planner™ and the federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC®] is a financial planning designation awarded by The American College. ®

· Real Estate Agents · Mortgage Professionals

· Home/Auto Insurance Professionals

Professionals interested in learning more about Five Star Professional, please call 888-438-5782.

FS • 52 — www.fivestarprofessional.com