Carolyn Cross is a CFA® charterholder with 11 years of industry experience. She has worked at Vanguard Advisers since 2020 and has been with The Vanguard Group and Vanguard Marketing Corporation since 2012. 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 models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Zachary Azar is a financial advisor at Vanguard Advisers with one year of industry experience. He holds the Series 66 designation and has worked previously at LPL Financial and Financial Strategies & Designs, Inc. Outside of his advisory roles, he has held various positions at DeSales University and other organizations. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard 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 methodologies and primarily constructs portfolios from Vanguard funds and ETFs.

Sara Smyth is a CFP® with 16 years of experience in the financial services industry. She has worked at The Vanguard Group, Inc. since 2010 and served on the board of her local homeowners association as treasurer since 2018. Smyth holds a degree from Haverford College. 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 and uses proprietary models to create personalized asset allocations, offering a range of customization options along with portfolios built largely from Vanguard funds and ETFs.

Kyle Demarino is a financial advisor at Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 designations with four years of industry experience. He has been with Vanguard since 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. Their investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Alexander Cavaliere is a financial advisor at Vanguard Advisers with 6 years of industry experience. He holds a Series 66 designation and has worked previously at Cetera Wealth Services, Securian Financial Services, and Morgan Stanley. Outside of his advisory role, he is a certified yoga instructor and performs as a guitarist in the Cavaliere Duo. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach, constructing portfolios primarily from Vanguard funds and ETFs with options for tax-aware and ESG-focused strategies.

Gaetana Di Giovanni is a financial advisor at Vanguard Advisers with eight years of industry experience. She holds Series 63 and Series 66 licenses and has been with Vanguard in various capacities since 2018, including her current role which began in 2021. 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 proprietary models to set personalized asset allocations and constructing portfolios primarily from Vanguard funds and ETFs.

Tyler Dunbar is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. His work history includes roles at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Coastal Insurance Consulting LLC. He has also been involved with All Star Baseball Academy. 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 methodologies, and manages client portfolios largely with Vanguard funds and ETFs.

Erik Brown is a Certified Financial Planner (CFP®) with 19 years of industry experience. He has worked at The Vanguard Group since 2019 and previously held positions at Northwestern Mutual Wealth Management and related entities from 2008 to 2019. 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 using proprietary models to construct personalized portfolios largely composed of Vanguard funds and ETFs.

Andrew Ivory is a financial advisor with Vanguard Advisers in Malvern, PA. He holds Series 63 and Series 66 designations and has four years of industry experience. His background includes roles at Vanguard Marketing Corporation and The Vanguard Group since 2022, as well as earlier experience at Morgan Stanley and other organizations. 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 approach using proprietary models to create personalized asset allocations, primarily with Vanguard funds and ETFs, and serves a large client base through a digital platform supported by a team of advisors.

Brendan Graham is a Series 66–licensed financial advisor with Vanguard Advisers, based in Malvern, PA. He has two years of industry experience, including prior roles at InFocus Financial Advisors and various positions at Salisbury University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates proprietary modeling and primarily Vanguard funds and ETFs. The firm manages a large scale of client relationships supported by a team servicing model and focuses on retail and plan participant clients.

Kelly Klyce is a CFP® professional with 23 years of industry experience. She has been with Vanguard Advisers since 2014 and has worked at Vanguard Marketing Corporation and The Vanguard Group Inc. since 2002. Kelly is based in Malvern, PA. 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 to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a high volume of client relationships through its digital platform and team model.

Gordon Ferguson is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Global Atlantic Financial Company. He is based in Malvern, 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 featuring proprietary models and a range of portfolio customization options, managing a large client base through its digital platform and team servicing model.

Ryan Uchniat is a financial advisor at Vanguard Advisers with 11 years of industry experience. He holds the Series 66 designation. His prior work includes roles at Scottrade, Inc. and Jeffrey Miller Catering. Vanguard Advisers provides automated and human-supported investment advice for retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm combines scale and digital delivery to manage a large client base with a high client-per-advisor ratio.

John Scott II is a Certified Financial Planner (CFP®) with 10 years of industry experience. He currently works at Vanguard Advisers and has held roles at various Vanguard entities since 2016, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides both automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily invests in Vanguard funds and ETFs, serving hundreds of thousands of clients through a combination of digital platforms and a large advisor team.

Ryan Bell is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has worked at various Vanguard entities since 2022, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Prior to that, he held roles at Bank of America and in academic settings at the University of Delaware and East Stroudsburg University. 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 with portfolios constructed mainly from Vanguard funds and ETFs, offering scalable digital delivery supported by a large team of advisors.

Thomas Egan is a CFP® professional with 22 years of experience in the financial industry. He has been with Vanguard Advisers since 2019 and has worked within the Vanguard organization since 2007. His credentials also include Series 63 and Series 65 licenses. Vanguard Advisers provides both 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 with portfolios primarily composed of Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a digital delivery platform.

Aditi Dayal is a CFP® with 23 years of industry experience, currently serving at Vanguard Advisers since 2020. She has been associated with The Vanguard Group Inc. and Vanguard Marketing Corporation since 2002. 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 primarily constructed from Vanguard funds and ETFs, combining scale and digital delivery to manage a large client base efficiently.

Shane Powers is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Goldman Sachs Ayco Personal Financial Management and various organizations in financial and non-financial capacities. Outside of advisory work, he is a contracted delivery driver for DoorDash. 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, employing proprietary models and various customization options, while managing a large client base through a combination of digital platforms and advisor teams.

Ronald Barnes is a financial advisor at Vanguard Advisers with three years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Vanguard Marketing Corporation and The Vanguard Group since 2022, following prior roles at Capital Group and Navient. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates proprietary methodologies and portfolios primarily composed of Vanguard funds and ETFs. The firm serves a large client base through a combination of digital platforms and advisor support.

Benjamin Glenn is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Vanguard Advisers, Glenn worked at The Vanguard Group and Vanguard Marketing Corporation, and he has experience with Bryn Athyn College Theological School, Safeware Inc., and the Academy of the New Church. 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 to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and team model.