UNITED PLANNERS' FINANCIAL SERVICES of AMERICA a Limited Partner

Aaron Vettraino is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at M. S. Howells & Co and The Vanguard Group, Inc. Outside of finance, he has been involved with AquaSafe Swim School for over a decade. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.

Mitchell Ludwig is a CFP® with six years of industry experience, currently affiliated with United Planners Financial Services of America as a Limited Partner. He has worked at several firms including OSAIC, Fsc, Wealthcare Capital Management LLC, and The Family Firm. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a large network of independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers and is notable for its predominantly non-discretionary asset management and its limited partnership ownership structure.

Thomas Schulgen is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 65 licenses. He has five years of industry experience and has been involved with Haddon Agency LLC since 2009. Outside of his advisory role, he is a partner in Haddon Advisory Group, a non-investment-related partnership. United Planners serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates as both a registered investment adviser and broker-dealer, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors.

Alexander Barta is a Series 66-licensed financial advisor with United Planners Financial Services of America and has four years of industry experience. He previously worked at Sitzberger & Co, SC for 13 years. Outside of advising, he serves on the board of trustees for the Montessori School of Waukesha and is involved in tax preparation and accounting through Skye Accounting, LLC. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform with multiple custodians and supports various advisory models, focusing primarily on non-discretionary asset management.

Andrea Nelson is a financial advisor with United Planners' Financial Services of America, holding a Series 66 credential and 18 years of industry experience. Her prior roles include positions at Eide Bailly Securities and Investor Securities Group. Outside of finance, she has been a Jazzercise franchisee and fitness instructor since 2003. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional investors. The firm operates an open-architecture platform with multiple custodians and offers both fee-based and commission-based financial solutions through its network of independent advisors.

Chris Christensen is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has held roles at multiple firms including Trilogy Wealth Management and Oakwell Private Wealth Management. Outside of his advisory work, he is involved in livestock ownership through Hicks Creek Cattle Co and serves as Vice President of Sales at Jaco Roofing & Construction Inc. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent Investment Advisor Representatives. The firm operates an open-architecture platform with multiple custodians and third-party money managers and features a majority non-discretionary asset mix.

Jordan Rethman is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and three years of industry experience. He has worked at United Planners since 2022 and also maintains a role as an accountant specializing in tax preparation and bookkeeping at McCrate, Delaet & Company. Additionally, he is involved as a portfolio manager with McCrate Wealth Management, LLC. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients such as sovereign wealth funds and banks. The firm operates an open-architecture platform using multiple custodians and third-party money managers, offering both fee-based and commission-based financial planning and portfolio management through its network of 477 independent advisors.

Cora Ingrim is a financial advisor with United Planners' Financial Services of America, holding CFP® and CFA® designations and bringing 32 years of industry experience. She has been affiliated with United Planners and Keating Financial Services since 1999 and 2000 respectively, and is also an independent insurance agent since 1993. In addition to her advisory work, she is a co-owner of a beach rental property in Corolla, NC. United Planners serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates as both a registered investment adviser and broker-dealer, offering an open-architecture platform with multiple custodians and third-party money managers, and features a limited partnership ownership structure where financial professionals hold a majority interest.

Daniel Parks is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 66 licenses and 28 years of industry experience. His career includes roles at Parks Wealth Management Inc., Independent Financial Group, LLC, and Entrust Financial Partners, LLC. He is also a referral partner for EstateDocs Pro, an estate planning service. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based options through its network of 477 independent advisors.

Gregory Davis is a ChFC® credentialed financial advisor with 42 years of industry experience. He is currently with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA, where he has worked since 2024. His prior experience includes roles at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H.Beck, Inc. Additionally, he is a partner in DSSTT, LLC, a non-investment-related business. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm offers an open-architecture platform with multiple custodians and third-party money managers, providing both fee-based and commission-based financial planning, portfolio management, and retirement plan services.

Robert McDonough is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 65 licenses. He has 42 years of industry experience and has been associated with firms including Core USA Group since 2013, United Planners' Financial Services since 2011, Insurance Designers of Central TX since 2005, and operates McDonough Financial since 2003. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering a range of advisory models and both fee-based and commission-based options.

Charles Lefkowitz is a CFP® with 55 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. His career includes roles in independent insurance and estate planning document preparation, as well as entrepreneurial activity as a greeting cards distributor. He is based in Chandler, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, emphasizing largely non-discretionary asset management.

Steven Cook is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior roles include positions at OSAIC, PFG Advisors, Securities America, Foothill Securities, and Cue Financial Group. He is also a managing partner of Sparrow Financial, a marketing entity based in Glendale, AZ. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional investors. The firm operates as both a registered investment adviser and broker-dealer, offering financial planning, portfolio management, and brokerage services through an open-architecture platform utilizing multiple custodians and third-party money managers.

William Riquier is a financial advisor with United Planners' Financial Services of America and The Retirement Financial Center, holding a Series 66 designation and 14 years of industry experience. He has been affiliated with United Planners and The Retirement Financial Center since 2011 and operates a non-variable insurance business under his own name. United Planners serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.

Thomas Militello is a financial advisor with United Planners' Financial Services of America, holding a Series 66 license and 16 years of industry experience. Prior to joining United Planners in 2021, he worked at The Prudential Insurance Company of America and Pruco Securities LLC from 2014 to 2021. Militello also owns Adirondack Investment Strategies, a marketing DBA, and has been an insurance agent for non-variable insurance since 2009. United Planners serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform utilizing multiple custodians and third-party money managers, with a notable emphasis on non-discretionary asset management.