Jesse Valencia is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. Prior to joining Vanguard in 2022, he worked at TD Bank and held positions in education at Downingtown Area School District and Daniel Boone High School. Vanguard Advisers offers 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 utilizes proprietary models to develop personalized asset allocations. The firm manages a large client base through a combination of digital delivery and advisor teams, with portfolios constructed mainly from Vanguard funds and ETFs.

Ashley Woodcox is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. Prior to joining Vanguard, Ashley worked for ten years at Marriott International Corporation. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach utilizes proprietary models to create personalized asset allocations primarily composed of Vanguard funds and ETFs.

Yumei Huang is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 designation and nine years of industry experience. Prior to joining Vanguard, she worked at JPMorgan Chase Bank and Axa Advisors. Outside of her advisory role, Huang is the owner of Ivy Best Supply, a resale business. 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 with portfolios built mainly from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Vernell Peter Koyi is a CFP® with 13 years of industry experience currently serving at Vanguard Advisers. He previously worked at New York Life Insurance Company and NYLIFE Securities LLC. Outside of his advisory role, he serves as an advisory board member and finance committee member for First African Baptist Church in Darby Township, PA. 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 with portfolios primarily composed of Vanguard funds and ETFs. The firm is notable for its large scale and digital delivery model, managing hundreds of thousands of client relationships with over 2,200 advisors.

John Hoffner is a financial advisor at Vanguard Advisers with a Series 66 designation and four years of industry experience. He has worked at The Vanguard Group since 2021 and previously held roles at Rutgers University, Columbia Bank, LA Fitness, and Rowan College at Burlington County. 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 constructs portfolios mainly from Vanguard funds and ETFs, offering diverse customization and tax-aware features.

Sara Lee is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and having 10 years of industry experience. She has been with The Vanguard Group since 2015. Vanguard Advisers provides 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 approach to portfolio construction, primarily utilizing Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and advisor support.

Sheila Bowden is a financial advisor at Vanguard Advisers with five years of industry experience. She holds Series 66 and Series 63 designations and has worked at Vanguard Marketing Corporation and The Vanguard Group since 2020. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and eligible 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 tax-aware features and customizable options.

Melissa Patton is a financial advisor with Vanguard Advisers and holds the Series 66 designation. She has 21 years of industry experience, including roles at Wells Fargo Advisors and The Vanguard Group. Outside of her advisory work, she is also an actor in film, TV, web videos, and stage, and an author. Vanguard Advisers delivers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. Its approach is goal-based and algorithm-driven, utilizing proprietary models and Vanguard funds to create personalized, tax-aware portfolios with a range of customization options.

Daniel Rueckle is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has worked with various Vanguard entities since 2015. Mr. Rueckle also acts as a limited agent managing investment accounts for an immediate family member. 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 investment approach and manages a large client base through its digital platform and extensive advisor team.

Andrew Lainoff is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior work includes roles at WealthFD, LLC, Kupiec Investment Group LLC, Target Corporation, and Temple University. Vanguard Advisers provides 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 to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through both digital and team-servicing models.

Caryn Schwartzberg is a financial advisor with Vanguard Advisers, holding a Series 66 designation and five years of industry experience. She has worked at The Vanguard Group since 2021 and previously held positions at Randstad and Cirillo Cosmetic Dermatology Spa. Vanguard Advisers provides 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 models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Justine Minnick is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and three years of industry experience. She previously worked at LGL Partners for ten years before joining Vanguard in 2023. Outside of her advisory role, she owns and manages rental properties in Philadelphia. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach that utilizes proprietary models to create personalized, largely Vanguard fund-based portfolios with various customization and tax-aware features.

Mark Vassallo is a CFP®-certified financial advisor with 23 years of industry experience, currently affiliated with Vanguard Advisers. He has worked at The Vanguard Group, Inc. since 2002 and previously was with Suncrest Market, LLC from 2020 to 2023. Vanguard Advisers provides both 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 utilizing proprietary models and primarily invests in Vanguard funds and ETFs, offering extensive customization and tax-aware portfolio features.

Nicholas Chermol is a financial advisor with Vanguard Advisers, holding the Series 66 credential and two years of industry experience. He has held multiple roles within The Vanguard Group and related entities since 2024. Outside of his advisory work, he is the owner of ALLCAPNOBRIM, a content creation business focused on vlogs, blogs, and podcasts. 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, offering portfolios primarily composed of Vanguard funds and ETFs with various customization options.

Elizabeth Garnto is a financial advisor with Vanguard Advisers, holding Series 63, 65, and 66 credentials and 22 years of industry experience. She previously worked at Beirne Wealth Consulting Services, LLC for eight years before joining The Vanguard Group, Inc. in 2022. Vanguard Advisers provides 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 personalized asset allocations and offers a range of customizable portfolios constructed primarily from Vanguard funds and ETFs.

Stephen Goldstein is a financial advisor with Vanguard Advisers, holding Series 65 and Series 63 credentials and 10 years of industry experience. His career includes roles at Vanguard Group entities since 2022 and prior service at Citizens Bank and National Life Group. Outside of advising, he is a Notary Public in Philadelphia. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering extensive customization and tax-aware features.

Joshua Goldy is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior work includes roles at Randstad and Cardionet, with concurrent employment at The Vanguard Group since 2019. Outside of finance, he works as an audio assistant for DBS Audio, supporting event setup and equipment management. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach. The firm manages large client volumes through digital delivery and offers customizable portfolios primarily composed of Vanguard funds and ETFs.

Brian West is a Series 66 registered financial advisor with Vanguard Advisers, bringing three years of industry experience. He has been with Vanguard Advisers since 2023 and has also held roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2022. Prior to his finance career, he worked at Penn State University and Downingtown STEM Academy. Vanguard Advisers offers a combination of automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses an algorithm-driven, goal-based investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various customization options.

Robert Mcdevitt is a CFP®-designated financial advisor with 21 years of industry experience. He has been with The Vanguard Group since 2018 and previously worked at Continental Packaging. 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’s investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Colin Baker is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and two years of industry experience. His background includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as positions outside the financial industry. 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 largely constructs portfolios from Vanguard funds and ETFs.

Matthew Yagel is a financial advisor with Vanguard Advisers, holding the Series 63 and Series 66 designations and five years of industry experience. He has been with Vanguard Advisers since 2022 and previously worked at Vantage Point Financial Group, Key Investment Services LLC, and First Niagara. 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 and manages portfolios primarily with Vanguard funds and ETFs, offering customization options and tax-aware features.

Matthew Seman is a financial advisor with Vanguard Advisers based in Malvern, PA. He holds a Series 66 designation and has three years of industry experience. His prior roles include work with United Way of Erie County and Pennsylvania State University, as well as entrepreneurial activity with Rizer Fireworks. 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 methodologies and predominantly Vanguard funds, offering a range of customization options and managing a large client base through a combined digital and advisory platform.

Stephen Rattigan is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at The Vanguard Group since 2017, with prior roles at Ranstadt, Bank of America, Ferrandino & Son Inc., and Citizens Bank of Pennsylvania. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach, managing portfolios primarily with Vanguard funds and ETFs, and supports a large client base through digital delivery combined with advisor teams.

Laurence Denney is a financial advisor at Vanguard Advisers with eight years of industry experience. He holds Series 63 and Series 65 credentials and has been with Vanguard and its affiliated entities since 2018. He also has prior experience working at H&R Block and is affiliated with the University of Cincinnati Graduate School. 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 and manages portfolios largely composed of Vanguard funds and ETFs, offering a range of customization options across its digital and advisor-supported platforms.

Christopher Gibbons is a CFP® with 17 years of industry experience, currently serving at Vanguard Advisers. His prior roles include positions at APW Capital, Eisner Amper Wealth Management, and Thrivent Financial For Lutherans. Outside of advising, he is involved in entertainment as a musician and contributes as a writer and podcaster for The Philly Soccer Page. 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 to create personalized portfolios largely made up of Vanguard funds and ETFs.

Michael Angelo is a financial advisor with Vanguard Advisers, holding Series 63, Series 65, and Series 66 licenses and bringing 26 years of industry experience. He has been with The Vanguard Group since 2013 and previously worked with the Deep Run Valley Sports Association from 2017 to 2019. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach, primarily using Vanguard funds and ETFs, and manages a high volume of client relationships via its digital platform and extensive advisor team.

Hannah Desher is a financial advisor at Vanguard Advisers with seven years of industry experience. She has held positions at The Vanguard Group since 2018 and previously worked at Radnor Financial Advisors LLC. Her credentials include the Series 65 and Series 63 licenses. Vanguard Advisers provides both 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 create personalized asset allocations, offering portfolios mainly composed of Vanguard funds and ETFs with various customization options.

Cameron Scully is a financial advisor at Vanguard Advisers with seven years of industry experience. He has worked at The Vanguard Group since 2019 and holds Series 63 and Series 66 licenses. 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 personalized portfolios largely composed of Vanguard funds and ETFs.

Albert Kim is a CFP® and Series 66 credentialed financial advisor with 19 years of industry experience. He has worked at The Vanguard Group, Inc. since 2017, following prior roles at Lincoln Investment and Legend Advisory Corporation. He is based in Malvern, PA. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models to personalize asset allocations, and it manages a large client base through a combination of digital platforms and advisor teams.

Melissa Einberg is a CFP® professional with 12 years of industry experience, currently serving at Vanguard Advisers. Her prior experience includes roles at Buckingham Asset Management and Bloomingdales. She 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 to construct portfolios primarily from Vanguard funds and ETFs, offering tax-aware features and a range of customization options.

Julia Lynch is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and 13 years of industry experience. She has been with The Vanguard Group, Inc. since 2012 and previously worked at Ann Taylor Loft from 2016 to 2017. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm manages a high volume of client relationships through a combination of digital platforms and advisor teams.

Christopher Burcham is a CFP® with 13 years of industry experience, currently serving as an advisor at Vanguard Advisers. His prior experience includes roles at Eagle Strategies and New York Life Insurance & NYLIFE Securities. He maintains a life and health insurance license. 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 primarily constructed from Vanguard funds and ETFs. The firm’s large scale and digital delivery model support a high client-per-advisor ratio and a broad range of customization options.

Julie Baek is a Series 66-licensed financial advisor with Vanguard Advisers, based in Malvern, PA, with four years of industry experience. Prior to joining Vanguard in 2022, she worked at Comcast Corporation from 2016 to 2021. Outside of her advisory role, she manages an investment property in Philadelphia. Vanguard Advisers provides both 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 construction, utilizing Vanguard funds and ETFs along with various customization options, and is notable for its scale and digital delivery model.

Noah Loser is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 and Series 63 designations and has worked within various Vanguard entities since 2021. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving 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 investing in Vanguard funds and ETFs.

David Freiman is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. His career includes roles at Wells Fargo Bank and PNC Investments, and he currently directs chess tournaments for organizations including Shining Knights Chess and the Free Library of Philadelphia. He also works part-time in hospitality with Marriott International. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models to set personalized asset allocations, primarily investing in Vanguard funds and ETFs.

Andrew Carlin is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 designation and has previously worked at Bloomberg Industry Group and Cision. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models, constructing portfolios mostly from Vanguard funds and ETFs, and provides services at scale through a combination of digital platforms and advisor teams.

Lee Bienstock is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 designation and four years of industry experience. Prior to joining Vanguard in 2022, he worked at Steve Madden from 2018 to 2022 and held roles at Samantha Leibowitz New York and Nike between 2015 and 2018. 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 and manages portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through a digital platform combined with advisor support.

Tyler Bruno is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 designation and has worked at Vanguard Advisers, The Vanguard Group, Inc., and Vanguard Marketing Corporation since 2022. Prior to that, he was employed at Automatic Data Processing Inc from 2020 to 2022. 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 and manages portfolios primarily using Vanguard funds and ETFs.

Simone Howard is a Series 66 licensed financial advisor with Vanguard Advisers, based in Malvern, PA, and has two years of industry experience. Prior to joining Vanguard in 2023, she worked in various roles including at Starbucks Coffee Company and Urban Outfitters. Outside of advising, she is involved with Wild Blue Catering as a server for catering events. 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 to construct portfolios mainly from Vanguard funds and ETFs, offering customization options and tax-aware features.

Jude Cooke is a CFP® and Series 66–licensed financial advisor with eight years of industry experience. They have worked at The Vanguard Group since 2021 and previously held roles at Lockwood Advisors Inc., Pershing LLC, Morgan Stanley, and BNY Mellon. Vanguard Advisers delivers 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 centered on proprietary methodologies and predominantly invests in Vanguard funds and ETFs.

Jacob Amwake is a financial advisor with Vanguard Advisers, holding a Series 66 credential and four years of industry experience. He has worked at Vanguard and affiliated entities since 2021 and is the owner of Hearth of a Champion LLC, a basketball camp. He also engages in e-commerce as a self-employed online seller. 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 methodologies to create diversified portfolios primarily composed of Vanguard funds and ETFs.

Caleb Martin is a CFP® with 20 years of industry experience, currently serving as an advisor at Vanguard Advisers. His prior experience includes roles at GuideStone Financial Services and Guidestone Financial Resources. He is also an employee of The Vanguard Group, Inc. Vanguard Advisers provides investment advice through a combination of automated and human-supported 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 mainly composed of Vanguard funds and ETFs.

Joseph Madrak III is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Equitable Advisors. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach featuring proprietary glide-path methodology and personalized asset allocations primarily using Vanguard funds and ETFs.

John Cronin is a CFP® credentialed financial advisor with 30 years of industry experience, currently affiliated with Vanguard Advisers. He has worked at Vanguard Marketing Corporation and The Vanguard Group since 2021 and previously spent 26 years at Sei Investments Distribution Co. He holds a full power of attorney role for an immediate family member. 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 with portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through its digital platform and team servicing model.

Peter Smith is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at KML Law Group and Med-Park Corp. Peter also spent four years at West Chester University. Vanguard Advisers serves retail investors and eligible 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, largely employing Vanguard funds and ETFs, and manages a large client base with more than 2,200 advisors.

Thomas Furda is a CFP®-certified financial advisor with 17 years of industry experience. He has worked at The Vanguard Group, Inc. since 2018 and previously at Financial Life Focus, LLC from 2016 to 2018. He is based in Malvern, PA. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with proprietary methodologies and primarily invests in Vanguard funds and ETFs, offering a range of customization options.

Anthony Calabretti is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63, 65, and 66 licenses with 19 years of industry experience. He has been with Vanguard and its affiliates since 2014, including periods of self-employment. Outside of his advisory role, he is contracted as a delivery driver for DoorDash. 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 methodologies and primarily manages portfolios composed of Vanguard funds and ETFs.

Donald George Jr. is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He previously worked at Glenmede Trust for five years before joining The Vanguard Group in 2022. 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, offering customized asset allocations and tax-aware features largely through Vanguard funds and ETFs.

Stefen Shields is a financial advisor at Vanguard Advisers with five years of industry experience. He holds the Series 66 and Series 63 designations and has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2021. His background also includes roles at Kooma and a variety of other organizations. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s approach uses goal-based, algorithm-driven asset allocation, largely investing in Vanguard funds and ETFs with options for tax efficiency and customization.