Vikas Kwatra is a financial advisor with Vanguard Advisers, holding a Series 66 designation and seven years of industry experience. Before joining Vanguard, he worked at Union Bank of Switzerland and Novartis Pharmaceutical. He is also the owner of a general contracting business outside the financial industry. Vanguard Advisers delivers automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, emphasizing scale and digital delivery.

Justin Higgins is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds a Series 66 designation and has been with The Vanguard Group since 2017. Prior to Vanguard, he worked at Your Pie and Clemson University. Vanguard Advisers offers 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 to asset allocation, primarily using Vanguard funds and ETFs, and manages a large client base through its digital platform and team servicing model.

Matthew Beers is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Vanguard entities since 2015, including Vanguard Marketing Corporation and THE Vanguard Group, Inc. Beers serves as a trustee and power of attorney for immediate family members in a fiduciary capacity. 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 approach to asset allocation, utilizing proprietary models and primarily Vanguard funds and ETFs, with a notable focus on digital delivery and scale.

Scott Donaldson is a CFP® professional with over 33 years of experience in the financial services industry. He has been with The Vanguard Group, Inc. since 1991 and is based in Malvern, PA. Vanguard Advisers provides investment advice through automated and human-supported services for retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to tailor asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Jack Kelly is a financial advisor with Vanguard Advisers based in Malvern, PA. He holds the Series 63 and Series 66 designations and has seven years of industry experience. Prior to joining Vanguard in 2026, he worked at T. Rowe Price for eight years and is also involved with Cross Breeze LLC. 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 and primarily constructs portfolios from Vanguard funds and ETFs, providing a range of customization options and tax-aware features.

Kimberlea Close is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 18 years of industry experience. She has worked with Vanguard since 2008 in various capacities and currently serves as a yoga instructor outside of her advisory role. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that integrates Vanguard funds and ETFs with tax-aware and customizable portfolio features.

Thomas Kovalic is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and four years of industry experience. He has worked at The Vanguard Group since 2022 and previously held roles at Kraft Sports and Entertainment, Harvard University, Drexel University, Lafayette College, and Central Bucks School District. 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 investment approach with portfolios primarily constructed from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and team servicing model.

Daniel Cacioppo is a financial advisor with Vanguard Advisers based in Malvern, PA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with The Vanguard Group, Inc. since 2014. Outside of his work at Vanguard, he serves as an authorized agent for family members' investment matters. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team servicing model.

Christian Lohmann is a CFP® with 34 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2020. He has been associated with Vanguard in various capacities since 1991, including his long tenure at Vanguard Marketing Corporation and The Vanguard Group, Inc. Lohmann also acts as a fiduciary agent for an immediate family member in an investment-related role. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs, offering a wide range of customization options.

Kenneth Poley is a CFP® with over 32 years of industry experience, currently serving at Vanguard Advisers since 1992. He holds Series 63 and Series 65 licenses and is based in Malvern, PA. His other business activities include serving as a limited agent for multiple immediate family members in fiduciary capacities. Vanguard Advisers delivers both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary methodologies to tailor asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and advisor teams.

Douglas Mento is a financial advisor at Vanguard Advisers with 15 years of industry experience. He holds a Series 66 designation and has worked at The Vanguard Group, Inc. since 2005. Outside of his advisory role, he is an owner of 7 Oaks Properties, LLC. 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 construct portfolios largely from Vanguard funds and ETFs, offering various customization options and tax-aware features.

Brendan Lyons is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with various Vanguard entities since 2016, including Vanguard Advisers, Inc., Vanguard Marketing Corporation, and The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants through services like Vanguard Digital Advisor and Vanguard Personal Advisor. The firm uses a goal-based, algorithm-driven approach featuring proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs, offering extensive customization and tax-aware features.

Sean Mcglinchey is a financial advisor at Vanguard Advisers with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with The Vanguard Group since 2011. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. Their investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized asset allocations largely from Vanguard funds and ETFs.

George Pastino is a CFP® professional with 24 years of industry experience, currently serving at Vanguard Advisers in Malvern, PA. He has been with The Vanguard Group, Inc. since 2004. 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 proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through its digital platform and advisory teams.

Conchita Dixon is a financial advisor at Vanguard Advisers with 25 years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials and has worked previously at TIAA and in various self-employed roles. Outside of financial advising, she is involved in entertainment as a vocalist and actor and manages musical aspects of theater productions through Gocar Productions. 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 set personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Jonathan Matty is a financial advisor at Vanguard Advisers with three years of industry experience. He holds the Series 66 designation and has been with Vanguard and its affiliated entities since 2023. Previously, he worked in various roles including positions at De Lage Landen and Contemporary Staffing Solutions. 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 personalized asset allocations primarily constructed from Vanguard funds and ETFs, managing a large client base through its digital platform and advisor teams.

Jeremy Munoz is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. His prior experience includes roles at Merrill and Bank of America N.A. He is based in Malvern, PA. Vanguard Advisers offers automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, combining digital delivery and a large advisor team to manage a high volume of client relationships.

Jack Winters is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 designation and two years of industry experience. Prior to joining Vanguard, he worked at All Seasons Capital & Advisory and held various roles including positions at Washington College and The Retriever Bar and Oysters. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants through its Digital Advisor and Personal Advisor services. The firm uses a goal-based, algorithm-driven approach incorporating proprietary methodologies and primarily invests in Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Maxim Shishkin is a financial advisor at Vanguard Advisers with seven years of industry experience. He has been with The Vanguard Group since 2019 and previously worked at Randstad Inc, 1847 Financial, The Saloon of Newtown, Bru Craft and Wurst, and Verrecchia Construction. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s approach is goal-based and algorithm-driven, using proprietary models to set personalized asset allocations primarily through Vanguard funds and ETFs, supported by a digital platform that manages a large client base.

Nathan Hanko is a CFP® professional with 20 years of industry experience, currently serving at Vanguard Advisers. He has been affiliated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2004. Outside of his advisory role, he participates in GIGWALK, a platform for completing small jobs via a smartphone app. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to set personalized asset allocations, primarily investing through Vanguard funds and ETFs.