Justin Repp is a financial advisor at Vanguard Advisers in Scottsdale, AZ, with 15 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley Smith Barney, Merrill, Homelight, Transamerica Financial Advisors, and Charles Schwab. He also operates a personal practice, Justin C. Repp PLLC. Vanguard Advisers offers 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, algorithm-driven investment approach using proprietary models and constructs portfolios mainly from Vanguard funds and ETFs, with tax-aware features and various customization options.

Naima Khan is a CFP®-certified financial advisor at Vanguard Advisers with four years of industry experience. She has been with Vanguard in various capacities since 2021 and previously worked at Schwan Financial Group for 14 years. Outside of her advisory role, Khan has been involved with Zainy LLC since 2014. 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 portfolios constructed largely from Vanguard funds and ETFs, supported by a digital platform that serves a large client base through its extensive team of advisors.

Kelsey Ertmer is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and nine years of industry experience. She has worked at Vanguard Advisers since 2019 and has also been affiliated with Vanguard Marketing Corporation and The Vanguard Group since 2017. Her prior experience includes roles at Morgan Stanley, Bonobos, JCPenney, and California State University of Fullerton. Vanguard Advisers offers 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 composed of Vanguard funds and ETFs.

Matthew Deming is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at J.P. Morgan Chase and Edward Jones. He is based in Scottsdale, AZ. 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 and manages portfolios primarily using Vanguard funds and ETFs, notable for its scale and digital delivery model.

Jose Estrada Arroyo is a financial advisor at Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 65 licenses with 11 years of industry experience. His career includes roles at The Vanguard Group, NYLIFE Securities, New York Life Insurance Company, Keller Williams, and AE Wealth Management. 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 emphasizing personalized asset allocations and portfolios constructed mainly from Vanguard funds and ETFs.

Michael Desmarais is a CFA charterholder with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2023. Prior to this role, he has been associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2014. Vanguard Advisers delivers investment advice through a combination of automated and human-supported services to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Harrison Keyser is a financial advisor with Vanguard Advisers and holds a Series 66 designation. He has one year of industry experience and previously worked at Vinum 55 and Amazon. 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 investment approach and manages portfolios primarily composed of Vanguard funds and ETFs.

Melissa Bilczewski is a CFP® and Series 63-registered financial advisor with Vanguard Advisers, based in Scottsdale, AZ. She has 19 years of industry experience, including over 7 years at Vanguard Advisers and 20 years with The Vanguard Group and Vanguard Marketing Corporation. In addition to her advisory role, she serves as an agent for her daughter. 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 methodologies and primarily invests in Vanguard funds and ETFs.

Carl Moritz is a CFP® with 31 years of experience in the financial industry. He has been with Vanguard Advisers since 2017 and is also affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc., where he has worked since 1996. He is based in Scottsdale, AZ. 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 create personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and advisory teams.

Alexzander Garner is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2016 and has been with Vanguard Advisers since 2018. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to construct portfolios mainly from Vanguard funds and ETFs, with options for tax-aware and ESG-customized strategies.

Colin Wahl is a financial advisor with Vanguard Advisers in Scottsdale, AZ. He holds Series 63 and Series 66 licenses and has 16 years of industry experience, all with The Vanguard Group. 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 with portfolios primarily composed of Vanguard funds and ETFs, combining digital delivery with personalized service across a wide client base.

Antonio Wycklendt is a financial advisor at Vanguard Advisers based in Scottsdale, AZ, holding a Series 66 credential with three years of industry experience. His prior work history includes roles within The Vanguard Group and Vanguard Marketing Corporation. Outside of advising, he is contracted with Instacart as a delivery contractor. 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 create personalized asset allocations primarily composed of Vanguard funds and ETFs.

Ryan Richmond is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds a Series 66 designation and has worked at Vanguard and Charles Schwab in various capacities since 2014. Richmond maintains an insurance producer license. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm manages a large client base through its digital platform and team servicing model.

Cameron Hee is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds the Series 63 and Series 65 credentials and has been with Vanguard entities since 2017. Prior to his current role, he worked at Premium Retail Services and Aflac. Vanguard Advisers provides automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach and primarily constructs portfolios from Vanguard funds and ETFs, offering a range of customization options.

Christopher Shoop is a CFP® professional with six years of experience in financial advising. He is currently with Vanguard Advisers and has previously worked at Better Day Financial LLC, Loskill Financial Group L.L.C., Tucker Asset Management LLC, and Position Sports. Shoop also owns Shoop Investments LLC, where he oversees financial management and compliance. 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 with portfolios primarily composed of Vanguard funds and ETFs.

Ashlyn Larson is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at multiple Vanguard entities since 2019. Prior to joining Vanguard, she held roles at Meritage Homes, Lotus Lounge, Root Public House, and Northern Arizona University. 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 a range of customization options.

Raymond Roberts is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has been with The Vanguard Group since 2016 and previously served as an Arizona Notary Public for eight years. Vanguard Advisers delivers 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 with portfolios mainly composed of Vanguard funds and ETFs, supported by a large team of advisors managing a high volume of client relationships.

Rusty Johnson is a financial advisor at Vanguard Advisers with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Vanguard and its related entities since 2000, including Vanguard Advisers since 2019. 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 invests in Vanguard funds and ETFs.

Mary Zampini is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and eight years of industry experience. She has worked at several firms, including The Vanguard Group, Inc., Schwab Private Client Investment Advisory, Inc., Charles Schwab, and Fullerton Financial Planning. Outside of advisory roles, she is involved in managing her own business activities as the owner of rental properties through Zampini Enterprises, LLC and Urban Terrace, 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 using proprietary models and largely constructs portfolios from Vanguard funds and ETFs, offering a wide range of customization options and servicing a large client base through digital delivery and a substantial team of advisors.

Marcela Agredano Becerra is a Series 66 licensed advisor at Vanguard Advisers with one year of industry experience. Prior to joining Vanguard, she held various roles outside of financial services, including positions at Ross Dress for Less and Arizona State University. Vanguard Advisers delivers 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 featuring personalized asset allocations and tax-aware portfolio management constructed primarily from Vanguard funds and ETFs.