Melanie Jacyszyn is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and 26 years of industry experience. She has been with The Vanguard Group since 2014. Outside of her advisory role, she is involved with The Fuschia Butterfly, a non-investment business. Vanguard Advisers provides both 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, constructing portfolios mainly from Vanguard funds and ETFs, and serves a large client base through its automated platform combined with a team servicing model.

Christina Marie Gutt is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. Her prior roles include positions at Hillview Capital Advisors, Merrill, and VOYA Financial Advisors. 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 proprietary models and primarily Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing hundreds of thousands of client relationships through a large advisor team.

Ian Rykaczewski is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked with Vanguard and its affiliates since 2018 and operates a fly fishing business, Upstream Fly Guy, LLC, based in Phoenixville, PA. Vanguard Advisers provides 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 portfolios built primarily from Vanguard funds and ETFs, offering a range of customization options and serving hundreds of thousands of clients through a large team of advisors.

Randall Hall is a financial advisor at Vanguard Advisers with 25 years of industry experience. He has been with The Vanguard Group since 2004. Hall holds Series 63 and Series 65 credentials. Vanguard Advisers delivers investment advice through both automated and human-supported services to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach, utilizing proprietary methodologies and primarily invests in Vanguard funds and ETFs.

Sean O Donnell is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and approximately four years of experience. His work history includes roles at Vanguard Advisers, Vanguard Marketing Corporation, The Vanguard Group, and teaching positions at West Chester University of Pennsylvania and Bucks County Community College. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios largely composed of Vanguard funds and ETFs with various tax-aware and customization features.

Jack Towsen is a financial advisor at Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 designations with two years of industry experience. His prior roles include positions at Vanguard Marketing Corporation, The Vanguard Group, Inc., and S-S Bendure & Hartwig. Vanguard Advisers offers automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach featuring proprietary methodologies and portfolios built mainly from Vanguard funds and ETFs.

Robert Ramirez is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Vanguard Advisers in 2025, he worked at J.P. Morgan Chase Bank NA and J.P. Morgan Securities LLC. He is also a member of the Pennsylvania Army National Guard. 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, constructing portfolios mainly from Vanguard funds and ETFs with various customization options.

Zhi Xi Zhang is a financial advisor with Vanguard Advisers, holding a Series 66 designation and currently in the first year of industry experience. Prior to joining Vanguard, Zhang's work history includes roles at Randstad, Pennsylvania State System of Higher Education, and The Hershey Company, among others. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. Its investment approach is goal-based and algorithm-driven, utilizing proprietary methodologies and largely Vanguard funds and ETFs to deliver personalized portfolios with tax-aware features and customization options.

Christopher Batastini is a financial advisor at Vanguard Advisers with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at The Vanguard Group since 2021. His prior experience includes eight years at The Prudential Insurance Company of America and PRUCO Securities. 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 investment approach and manages portfolios mainly composed of Vanguard funds and ETFs.

John Nicholson Jr. is a financial advisor at Vanguard Advisers with seven years of industry experience and holds a Series 66 designation. His prior work includes roles at Equity Services Inc and National Life Group, as well as entrepreneurial experience with Perfectus Painting. He volunteers as a finance committee member for Camphill Village Kimberton Hills, a nonprofit community for adults with developmental disabilities. Vanguard Advisers offers automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and emphasizes portfolios constructed from Vanguard funds and ETFs with various customization and tax-aware features.

Nicholas Lennox is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 designations and having 10 years of industry experience. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2016 and has a role with Conshohocken Cards & Collectibles since 2026. Vanguard Advisers provides 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 portfolios constructed largely from Vanguard funds and ETFs, offering a range of customization options and serving a large client base through digital delivery and a team servicing model.

Howard Spivack is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His career includes roles at The Vanguard Group, Janney Montgomery Scott, and several other firms. Outside the financial industry, he operates a woodworking business called Les Spiffy Stylos, creating custom pieces for sale. He also serves as an online instructor for the Certified Financial Planner core curriculum. 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 approach using proprietary models to personalize asset allocations, primarily utilizing Vanguard funds and ETFs within a highly scalable digital platform.

Robert Langis is a CFP® professional with 23 years of industry experience. He has been with Vanguard Advisers since 2019 and has worked at various Vanguard entities since 2003. Vanguard Advisers delivers 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 create personalized portfolios largely constructed from Vanguard funds and ETFs.

Justin Gower is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and having 22 years of industry experience. He has been with Vanguard and its related entities since 1999. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base with a high client-per-advisor ratio.

Larry Griffin is a financial advisor at Vanguard Advisers with 37 years of industry experience. His prior roles include positions at Valic Financial Advisors, Happy State Bank, and Arvest Wealth Management. He holds the Series 63 and Series 65 licenses. 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 uses a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs, offering tax-aware features and customization options.

Rachel Smoot is a CFP® with 11 years of experience in the financial industry. She has worked at Vanguard Advisers since 2020 and previously held positions at Econ Wealth Management, Gray Shannahan, and Northwestern Mutual Investment Management. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm combines algorithm-driven, goal-based strategies with portfolios constructed primarily from Vanguard funds and ETFs, offering a range of customization options and serving a large client base through its digital delivery model.

Eric Anderson is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with The Vanguard Group since 2006. Vanguard Advisers provides both 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 to portfolio construction, employing proprietary methodologies and largely utilizing Vanguard funds and ETFs.

Gregory Houp is a CFP® with 29 years of industry experience and has been with Vanguard Advisers since 1996. He holds Series 63 and Series 66 licenses and is based in Malvern, PA. He has spent his entire career at The Vanguard Group, INC. Vanguard Advisers offers 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, managing portfolios largely with Vanguard funds and ETFs, and serves a large client base through its digital platform and team servicing model.

Robert Ritter is a financial advisor at Vanguard Advisers with six years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Vanguard entities since 2022. Prior to joining Vanguard, he was involved in other business activities including roles at Homemaker and Ottos Mini. 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 and manages a large client base through a combination of digital platforms and a team servicing model.

Jacob Oeschger is a financial advisor with Vanguard Advisers in Malvern, PA. He holds Series 63 and Series 66 licenses and has nine years of industry experience. Prior to joining Vanguard in 2017, he worked at Citizens Bank from 2014 to 2017. Outside of his advisory role, he serves as a limited agent managing investments for immediate family members. 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 approach using proprietary models to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs.