Seth Downing is a financial advisor with Vanguard Advisers based in Plano, TX. He holds Series 65 and Series 63 licenses and has seven years of industry experience. Outside of his advisory role, he also works as a mortgage loan officer with Kylex Mortgages and as a delivery driver for Pizza Hut. 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, primarily utilizing Vanguard funds and ETFs, and serves a large client base through its digital platform and team servicing model.

Terrance Campbell is a financial advisor with Vanguard Advisers based in Plano, TX, holding Series 63, 65, and 66 licenses with four years of industry experience. He has worked at various financial services firms including Empower Financial Services and TIAA-CREF Individual & Institutional Services. Outside of his advisory role, he is the founder and principal coach of Pivot Transformation Academy, LLC, a personal development and leadership coaching business that offers educational content, speaking engagements, and workshops. 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 with proprietary methodologies to construct personalized portfolios mainly composed of Vanguard funds and ETFs.

Justin Nnabuife is a financial advisor with Vanguard Advisers in Plano, TX, holding a Series 66 designation and seven years of industry experience. He has worked at Vanguard Marketing Corporation, The Vanguard Group, and Ameriprise Financial Services. Vanguard Advisers provides 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 investment approach with portfolios constructed mainly from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Stephen Farrar is a financial advisor with Vanguard Advisers based in Plano, TX, holding Series 63 and Series 66 designations and 14 years of industry experience. His previous roles include positions at Charles Schwab and TD Ameritrade. Vanguard Advisers provides both automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based and algorithm-driven investment approach, utilizing proprietary models to create personalized portfolios mainly composed of Vanguard funds and ETFs.

Michael Rodriguez is a CFP® with nine years of experience in financial services. He currently works at Vanguard Advisers and previously held roles at Fisher Investments, Ameriprise Financial Services, Fidelity Investments, and TD Ameritrade. His work history also includes a brief period at Amazon and teaching at Burgundy School of 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 using proprietary models to create personalized asset allocations, focusing on portfolios built largely from Vanguard funds and ETFs with tax-aware features.

Gabriela De Lima Drumond is a financial advisor with Vanguard Advisers, holding a Series 66 designation and based in Plano, TX. She has been with Vanguard and related entities since 2026, following prior experience at Willis Johnson Wealth, Skyward Financial, and Edward Jones, among others. 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 that utilizes proprietary models to set personalized asset allocations, primarily using Vanguard funds and ETFs, combined with a digital delivery platform serving a large client base through a team servicing model.

Michael Teed is a financial advisor at Vanguard Advisers with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard and Fidelity in various capacities since 1996. He is based in Plano, TX. 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, serving a large client base through its digital platform and advisory team.

Humberto Vargas is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and two years of industry experience. He previously worked at Fisher Investments, Rio Bank, and Equitable Advisors, among other firms. Outside of his advisory roles, he has experience in entrepreneurial ventures including KicksBiscuit and Euphoric Growth LLC. 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, offering various customization options and tax-aware features.

Esteban Romero is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Vanguard in 2022, he worked at TIAA from 2016 to 2022 and had a period of self-employment from 2016 to 2018. 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 uses a goal-based, algorithm-driven investment approach with portfolios constructed primarily from Vanguard funds and ETFs, offering customization options including ESG and international exposure.

Barbara Tsinakis is a financial advisor with Vanguard Advisers, holding a Series 66 designation and bringing 21 years of industry experience. Her prior roles include positions at Charles Schwab and Merrill. She is currently based in Plano, TX. 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 composed of Vanguard funds and ETFs, offering customization options and tax-aware strategies.

Cem Baber is a financial advisor at Vanguard Advisers with four years of industry experience and holds a Series 66 designation. Prior to joining Vanguard in 2022, he held positions at Dearborn & Creggs and Northwestern Mutual, as well as roles in educational institutions including the University of Houston. Vanguard Advisers provides automated and human-supported investment advice to retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team servicing model.

Rusty Rutledge is a CFP® professional with 24 years of industry experience currently serving with Vanguard Advisers. His background includes roles at ETEXfinancial, Inc., ETEXinsurance Services, Inc., and Birara LLC, where he is involved in property ownership. He has maintained insurance licenses in Texas since the mid-1990s. 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 models and Vanguard funds. The firm manages a large client base through a combination of digital delivery and a team servicing model.

Karl Kaprelian Jr. is a financial advisor with Vanguard Advisers based in Plano, TX, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His previous roles include positions at Morgan Stanley and E*Trade Securities. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach uses proprietary models to create personalized portfolios mainly composed of Vanguard funds and ETFs, with an emphasis on digital delivery and scalable client service.

Adam Legler is a Series 66-licensed financial advisor with seven years of industry experience, currently with Vanguard Advisers in Plano, TX. His career includes roles at The Vanguard Group, Vanguard Marketing Corporation, Prosperity Bank, and prior service in the Israel Defense Forces. 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 made up of Vanguard funds and ETFs. The firm manages a large client base through its digital platform and team servicing model.

James Sartain Jr. is a financial advisor at Vanguard Advisers with Series 63 and Series 65 certifications and two years of industry experience. Prior to joining Vanguard in 2026, he worked at Boston Consulting Group and has been involved with GrayFin Ventures LLC, a non-investment related business. He has also operated Texas Growler LLC since 2013. 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 to set personalized asset allocations primarily through Vanguard funds and ETFs. The firm is notable for its large scale and digital delivery platform, serving hundreds of thousands of clients with more than 2,200 advisors.

Rachel Hite is a Series 66 licensed financial advisor with eight years of industry experience. She is currently with Vanguard Advisers and The Vanguard Group, Inc., where she has worked for one year. Prior to this, she spent six years at Charles Schwab and has held various roles in financial services since 2017. 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 with personalized asset allocation strategies and offers a range of portfolio customization options, including ESG and tax-aware features.

Nicolas Lattanzio is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds a Series 66 designation and has worked at The Vanguard Group since 2021. Prior to Vanguard, he worked at Edward Jones and was employed by Texas A&M University-Commerce. 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 to asset allocation, constructing portfolios primarily with Vanguard funds and ETFs, and managing a large client base through its digital platform and extensive advisor team.

Thomas Crilly is a financial advisor with Vanguard Advisers, holding a Series 66 designation and three years of industry experience. He has been with The Vanguard Group, Inc. since 2023, after working at Randstad Staffing in 2022. 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 employs a goal-based, algorithm-driven approach using proprietary models to create personalized asset allocations primarily composed of Vanguard funds and ETFs.

Brendan Zamora is a financial advisor with Vanguard Advisers in Plano, TX, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Fidelity Investments and Equitable Advisors, LLC. 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, constructing portfolios largely from Vanguard funds and ETFs with various customization options.

John Anstoetter is a Series 66 licensed financial advisor with Vanguard Advisers, where he has worked since 2023. He has four years of industry experience, including roles at The Vanguard Group, Inc. and Principal Financial Group. 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 to create personalized portfolios primarily composed of Vanguard funds and ETFs, managing a large client base through its digital platform and team servicing model.