Zoe Howard is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and four years of industry experience. She has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2022, and previously held positions at Wells Fargo, Ameritel, and StarTek. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach utilizes proprietary models and primarily Vanguard funds and ETFs to construct personalized portfolios with various customization options.

Andy Garcia is a CFP® and Series 66 credentialed advisor with 24 years of industry experience. He has been with The Vanguard Group, Inc. since 2002. Based in Scottsdale, AZ, he serves clients through Vanguard Advisers. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to portfolio management, utilizing proprietary models and primarily Vanguard funds and ETFs.

Cristobal Salamone Donestevez is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at the University of Pennsylvania and AZ Foods. He is currently based in Malvern, PA. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that incorporates proprietary methodologies and a range of customization options.

Braden Bailey is a financial advisor with Vanguard Advisers, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Corient Capital Partners and various educational institutions including Brigham Young University and Salt Lake Community College. Vanguard Advisers provides investment advice through both automated and human-supported platforms, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies, primarily utilizing Vanguard funds and ETFs.

Christopher Rowan Jr. is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and having three years of industry experience. His prior work includes positions at Morgan Stanley Smith Barney, Fidelity Investments, and other financial and non-financial organizations. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary methodologies to deliver personalized asset allocations largely constructed from Vanguard funds and ETFs.

Ashley Alexander is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and having eight years of industry experience. Prior to joining Vanguard, Ashley worked at BMO Harris Bank and has been involved in entrepreneurial activities including ownership of Alexanders BBQ LLC. Vanguard Advisers provides investment advice through a combination of automated platforms and human support, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering various customization options and tax-aware strategies.

Michael Morette is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked within various Vanguard entities since 2019. Prior to his time at Vanguard, Morette held roles related to education and historical organizations, including George Washington's Mount Vernon and Franklin & Marshall College. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm’s approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Dale Gambell is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at USAA Financial Planning Services and its affiliated companies from 2007 to 2021 before joining The Vanguard Group in 2021. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes Vanguard funds and ETFs with tax-aware features. The firm manages a large client base through its digital platform and team servicing model.

David Carlisle is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with Vanguard since 1987 and also works as a freelance keyboard musician. Additionally, he serves as the musical director at Upper Room Missionary Baptist Church. Vanguard Advisers provides automated and human-supported investment advice primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach that utilizes proprietary models and offers portfolios constructed mainly of Vanguard funds and ETFs, featuring tax-aware strategies and customization options.

Dante Colarusso is a financial advisor at Vanguard Advisers with four years of industry experience and holds a Series 66 designation. His prior roles include positions at Bank of New York Mellon and various organizations spanning finance and retail sectors. He serves as a local representative for NACEL Open Door, a nonprofit that vets host families for international students. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models and primarily invests in Vanguard funds and ETFs.

Stephen Jesse is a financial advisor at Vanguard Advisers with five years of industry experience. He holds a Series 66 credential and has previously worked at firms including Cetera and CAP COM Federal Credit Union. His background also includes a marketing affiliate business from 2022 to 2023. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Nicholas Di Prinzio is a Series 66-licensed financial advisor with seven years of industry experience, currently with Vanguard Advisers since 2018. His prior roles include positions at IM Wealth Partners and Merrill Lynch. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios largely composed of Vanguard funds and ETFs, offering a range of customization options and managing hundreds of thousands of client relationships through a large advisory team.

Joseph Kucharczuk is a CFP® with 30 years of experience in the financial industry, currently serving at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 1987. Outside of his advisory role, he acts as an agent for immediate family members in investment matters. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to portfolio construction, utilizing proprietary models and largely Vanguard funds and ETFs.

Melquiades Villalobos III is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2008. He holds the Series 63 designation and is based in Scottsdale, AZ. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach and primarily invests through Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Xavier Martinez is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and nine years of industry experience. He has been with Vanguard Advisers since 2020 and has been affiliated with related Vanguard entities since 2016. Prior to that, he worked at AMC Theatres from 2014 to 2016. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to personalize asset allocations, with portfolios primarily composed of Vanguard funds and ETFs.

Curtis Mcmichael is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior roles include positions at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as experience in education at Brigham Young University–Idaho and community service with The Church of Jesus Christ of Latter-Day Saints. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and emphasizes digital delivery alongside a team servicing model.

John Lang is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and three years of industry experience. He has previously worked at Comcast Cable and currently has a role at SWIG, LLC, where he serves at retail events. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios largely constructed from Vanguard funds and ETFs.

Eric Edwards is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and four years of industry experience. He has been with The Vanguard Group since 2018 and previously worked as a self-employed advisor. Outside of his advisory work, he has a brief background associated with the Warrior Golf Club. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Garrett Turnbull is a financial advisor at Vanguard Advisers with a Series 66 credential and one year of industry experience. His prior roles include positions at Vanguard Marketing Corporation and Marcus & Millichap Real Estate. Outside of his advisory work, he is the owner of Phoenix Political Solutions, LLC, a contract services business. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to portfolio construction, employing proprietary models and largely utilizing Vanguard funds and ETFs.

Estelle Bonnet is a financial advisor at Vanguard Advisers with 15 years of industry experience. She holds the Series 66 and Series 63 designations and has worked in various roles within Vanguard entities since 2006, including her current position starting in 2023. Bonnet’s background includes experience at Randstad and DaVita Kidney Care. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and advisory team model.