Cesar Ruiz Morales is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses and four years of industry experience. He has been affiliated with Vanguard entities since 2022 and is also involved as a member-manager partner in The Headsmen, LLC, a music band. Additionally, he works as a soccer referee. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed largely from Vanguard funds and ETFs, offering a range of customization options.

Garrett Murphy is a financial advisor at Vanguard Advisers with one year of industry experience. He holds Series 63 and Series 66 licenses. Prior to Vanguard, he worked at Charles Schwab & Co., Inc. for two years and has been involved with Monarch Hospitality Group LLC since 2023. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with personalized asset allocations and offers portfolios constructed mainly from Vanguard funds and ETFs.

William Pluchel III is a CFP® professional with 19 years of industry experience, currently serving with Vanguard Advisers since 2017. His career includes roles at The Vanguard Group, INC. and Vanguard Marketing Corporation dating back to 2006, as well as self-employment and involvement with the Hilda Wax Foundation and Ryno Strategic Solutions 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, managing large client volumes through a combination of digital platforms and advisor teams.

Cole Richmond is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior roles include positions at AlphaSights Ltd. and Structured Communication Systems, Inc. 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 methodologies to deliver personalized asset allocations primarily through Vanguard funds and ETFs.

Michael Lager is a financial advisor with Vanguard Advisers who holds Series 63 and Series 65 licenses and has 25 years of industry experience. His career includes roles at Vanguard Marketing Corporation, HM Management LLC/Affirm Wealth Advisors, Ameriprise, Prudential Insurance Company of America, AXA Advisors, and Valic Financial Advisors. Vanguard Advisers provides both 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 is notable for its large scale, digital delivery model, and a client base focused on retail and plan participants.

William Allagoa is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at Fisher Investments and James River Insurance. Vanguard Advisers provides automated and human-supported investment advice through its digital 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 and manages portfolios mainly using Vanguard funds and ETFs.

Colin Canavan is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has worked at Vanguard since 2004 and holds ownership roles in Desert Rock Industries, a winery, and Canavan Investments LLC. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs. The firm is notable for its large scale, digital delivery platform, and model portfolio offerings for intermediaries.

John Bergsma is a CFP®-designated financial advisor with 16 years of industry experience, currently serving at Vanguard Advisers since 2010. He is based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with portfolios constructed largely from Vanguard funds and ETFs, offering a range of customization options and managing a high volume of client relationships through its digital platform.

Tyler Richars is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Vanguard and its affiliated entities since 2017 and is also self-employed in e-commerce. 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 that incorporates Vanguard funds and ETFs with various customization options.

Todd Dunlap is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and 12 years of industry experience. His prior work includes roles at LPL Financial, BMO Bank N.A., and U.S. Bancorp Investments. He is currently based in Scottsdale, AZ. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard 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 approach using proprietary methodologies to tailor asset allocations, with portfolios largely constructed from Vanguard funds and ETFs.

Valdemiro Vandik is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard and affiliated firms since 2018. Vandik also engages in woodworking and freelance photography as outside business activities. 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 with portfolios mainly composed of Vanguard funds and ETFs. The firm is notable for its large scale and digital delivery platform, serving a high volume of clients through more than 2,200 advisors.

Esther Blue De Avalos is a financial advisor at Vanguard Advisers with four years of industry experience. She holds a Series 66 designation and has worked at The Vanguard Group since 2021. Prior to this, she was employed by the Anti-Defamation League and also worked at Right This Minute. 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 portfolio construction, utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Anthony Sankar is a financial advisor at Vanguard Advisers with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard and Charles Schwab firms, including Schwab Private Client Investment Advisory. 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 create personalized asset allocations primarily through Vanguard funds and ETFs, serving a large client base with a digital platform supported by over 2,200 advisors.

Kevin Anderson is a Series 66 credentialed financial advisor with seven years of industry experience. He has worked at Vanguard Advisers, Inc., Vanguard Marketing Corporation, and The Vanguard Group, Inc. since 2021, following five years at Cohn Financial Group and M Holdings Securities, Inc. He is based in Scottsdale, AZ. 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 constructed mainly from Vanguard funds and ETFs, offering a range of customization options and managing hundreds of thousands of client relationships through a large advisory team.

Paul Fox is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been with The Vanguard Group since 2007. 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, with portfolios primarily constructed from Vanguard funds and ETFs.

Joshua Weakland is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding a Series 66 designation. He has been with Vanguard since 2026, following prior experience at Target Corporation and various educational institutions. He also has a background that includes work at Glendale Community College and Northern Arizona University. 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, using proprietary models and primarily Vanguard funds and ETFs to construct personalized portfolios.

Victor Carvalho De Melo is a financial advisor with Vanguard Advisers in Scottsdale, AZ, holding Series 63 and Series 66 licenses. He has six years of industry experience, including roles at Invesco and several positions within The Vanguard Group since 2019. 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 methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Anthony Giacona is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and bringing five years of industry experience. He has worked at Vanguard Advisers since 2022 and has prior experience with The Vanguard Group, Vanguard Marketing Corporation, and The Walt Disney Company. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach that incorporates proprietary models to personalize asset allocations across various savings objectives.

Alan Zimmerman is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been associated with Vanguard marketing Corporation and The Vanguard Group, Inc. since 2004 and joined Vanguard Advisers in 2026. Vanguard Advisers offers 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 featuring proprietary methodologies and constructs portfolios primarily from Vanguard funds and ETFs, combining scale with digital delivery across a broad client base.

David Siorek is a financial advisor with Vanguard Advisers based in Scottsdale, AZ, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has worked at Vanguard Advisers since 2019 and has been associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2008. Outside of his advisory role, he serves as a limited agent for an immediate family member in an investment-related capacity. Vanguard Advisers provides automated and human-supported investment advice through its digital 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 methodologies and constructs portfolios mostly from Vanguard funds and ETFs with tax-aware features and customization options.