D. Scott Wisman is a Wealth Management Advisor with extensive experience at Merrill Lynch Wealth Management. Since 1982, he has provided customized wealth management services to affluent individuals, families, and professionals. His approach emphasizes taking a comprehensive view of wealth management that goes beyond clients' investments, beginning with listening to understand what is truly important to them before making recommendations. Scott draws on over 40 years of experience navigating both turbulent and prosperous markets. He specializes in constructing and managing fixed income portfolios and focuses on helping clients make decisions based on long-term goals rather than short-term market fluctuations. His client focus areas include college education planning, corporate executive services, executive compensation, family wealth management strategies, personal retirement planning, portfolio management, investment strategy, tax minimization, and retirement income. Scott earned his Bachelor's degree from Virginia Polytechnic Institute & State University. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been recognized by Forbes as one of America's Best-in-State Wealth Advisors for multiple consecutive years and was named to Barron's America's Top 1,200 Financial Advisors list from 2011 to 2017. Outside of his professional work, Scott is an avid skier and sports car enthusiast. He resides in West Grove, Pennsylvania, with his wife, Barbara. They have two children, Jennifer and Michael, the latter of whom is a Financial Advisor with the team.

Anthony Degli Obizzi Jr. is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has six years of industry experience and previously worked at Lincoln Financial Distributors, Morgan Stanley, and JPMorgan Chase. He also holds an outside insurance sales position as a property and casualty broker. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational programs using firm-approved analytical tools and offers specialized services such as divorce planning and event-driven estate settlement.

Robert Griesemer is a ChFC® designated advisor with 42 years of experience in the financial industry. He is currently with LPL Financial since 2022 and previously worked at Lincoln Financial Securities Corporation for 14 years. In addition to his advisory role, he owns a tax preparation and accounting business, Certified Consultants Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing discretionary and non-discretionary management and model portfolios supported by LPL Research and third-party subadvisors.

Walter Timby IV is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His work history includes roles at Mass Mutual Investors Services since 2017, Metlife Securities Inc. since 2015, and New England Securities since 2002. In addition to his advisory work, he operates as an independent insurance agent specializing in individual life, health, group life, and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning and asset management services, utilizing firm-approved software tools and structured planning engagements to develop tailored recommendations.

Geraldine Pacor is a financial advisor at Merrill with 21 years of industry experience. She has been with Merrill since 2015 and holds Series 63 and Series 66 licenses. Outside of her advisory role, she manages a sole proprietorship through which she oversees a rental property in Wayne, Pennsylvania. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Thomas Helmig is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 15 years of experience to his role. He began his career in Merrill's home office in Hopewell, NJ, where he gained extensive knowledge of the firm's resources and capabilities. In 2018, after earning his CERTIFIED FINANCIAL PLANNER® designation, he joined the Helmig Lammers Group focusing on serving the financial planning and wealth management needs of multigenerational clients and families. Thomas concentrates on investment strategy, portfolio management, and planning for areas including education planning, executive compensation, legacy planning, philanthropic planning, and liquidity management among others. He works closely with attorneys, accountants, and other professionals to provide customized financial plans that adapt to clients' evolving needs and goals. He holds a bachelor's degree from the University of Delaware and also holds the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Thomas and his wife Jillian reside in West Chester with their three sons. He is involved in community coaching youth sports and enjoys spending time with family and friends, golfing, cooking, traveling, and following Philadelphia sports teams.

Peter Grassi is a financial advisor affiliated with LPL Financial, holding a Series 63 designation and bringing 27 years of industry experience. He has worked with LPL Financial since 2013 and is also associated with Global Retirement Partners, LLC, an independent registered investment advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Jesse Roth is a CFP® with 28 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group since 1997. Outside of his advisory role, he acts as a full VG agent managing accounts for his spouse. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. Their investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized asset allocations primarily composed of Vanguard funds and ETFs.

Randy Lee is a CFA® with 20 years of industry experience, currently serving at Vanguard Advisers. He has been with Vanguard and its affiliates since 2004, including roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach with personalized asset allocations and a range of customization options, managing a large client base through a combination of digital platforms and a team servicing model.

Patricia Hartnett is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Hartnett serves as a finance committee member for St. Elizabeth Church Parish in Chester Springs, PA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related products and bank deposit sweep options.

Evan Smrek is a CFP® with 15 years of industry experience, currently serving at Vanguard Advisers. He has worked at The Vanguard Group, Inc. since 2010 and is also the owner of Apothecary Alexander, LLC, a tea business. 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 portfolios mainly from Vanguard funds and ETFs, delivering services at scale through its digital platform and team model.

Tracy Auerbach is a financial advisor at Vanguard Advisers with 12 years of industry experience. She holds Series 65 and Series 66 licenses and has worked at Vanguard-associated entities since 2021, following prior roles at Adondo Capital and the University of Pennsylvania. Auerbach is a minority shareholder and named inventor on two patent applications for software tools designed to assist CFOs of private companies in managing equity and investor relations. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering features such as tax efficiency and customizable asset allocations.

Tyler Herron is an Investment Consultant at Fidelity Investments, where he has been working since 2025. Prior to this role, he served as a Financial Solutions Advisor at Merrill Lynch from 2020 to 2025. Tyler focuses on helping clients make confident financial decisions by combining personalized planning with thoughtful investment strategies. He aims to provide clients with clarity and direction in their investment decisions and to collaborate towards a positive financial future. Outside of his professional work, Tyler has interests that include baseball, cars, football, social events with friends, golf, and pets.

Michael Lahoda is a financial advisor with Raymond James Financial in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His work history includes roles at Raymond James Financial Services since 2004, non-variable insurance since 2012, and a 16-year tenure with the State of Delaware. He is also involved as a supervisory committee member of the New Castle County School Employees Federal Teacher's Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services that incorporate risk profiling and probabilistic modeling and supports specialized municipal and public-finance work through its unique municipal advisor affiliation.

William O’Brien is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, and Morgan Stanley & Co. Incorporated. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes an IPS-driven process tailored to plan objectives and demographics, with a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Anthony Acchione Jr. is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and three years of industry experience. He has worked in various roles within Vanguard-affiliated entities since 2023. Outside of finance, he is involved in a contract food service business as a cook with B&T Catering. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, utilizing a goal-based, algorithm-driven approach. The firm manages a large client base through its digital platform and team servicing model, focusing on personalized asset allocations primarily constructed from Vanguard funds and ETFs.

Kevin Elvey II is a financial advisor at Vanguard Advisers with one year of industry experience. He holds the Series 66 designation and has been associated with Vanguard-affiliated entities since 2024. Outside of his advisory role, he owns two inactive businesses, DebtFit Inc., which focused on financial coaching, and HigherCred LLC, which worked with schools and parents to identify online learning options for highly capable high school students. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, using proprietary models to create personalized portfolios mainly constructed from Vanguard funds and ETFs.

Calvin Thompson is a financial advisor at Vanguard Advisers with 25 years of industry experience and holds the Series 66 designation. He previously worked at TIAA-CREF and Tiaa for 13 years before joining Vanguard in 2025. Vanguard Advisers provides both 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 investment approach and manages hundreds of thousands of client relationships through a combination of digital platforms and advisor teams.

Aj Lopez is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping individuals and business owners navigate complex financial decisions by turning complexity into clear, actionable strategies that support long-term financial success. Aj's approach emphasizes disciplined analysis, thoughtful planning, and clear communication, ensuring that financial strategies are not only technically sound but also realistic and sustainable. Aj specializes in retirement planning, cash flow optimization, risk management, and portfolio management, with additional experience in managing new wealth, small business strategies, tax minimization, and retirement income. His work is guided by a philosophy of understanding the client personally to develop tailored strategies aligned with their financial goals. Before his career in financial services, Aj served six years on active duty in the U.S. Air Force, an experience that informs his approach to accountability and decision-making under pressure. He holds a Bachelor's Degree from the University of Delaware and the Personal Investment Advisor (PIA) designation. Outside of work, Aj enjoys baseball, boxing, chess, football, golfing, hiking, skiing, and spending time with his family.

Andrew Dilks is a financial advisor with Vanguard Advisers, holding the CFP® designation and Series 63 and 65 licenses. He has five years of industry experience, including roles at Sei Investments and an early career position at St. Joseph's University. He has been with The Vanguard Group since 2020. Vanguard Advisers delivers 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, utilizing proprietary methodologies and primarily Vanguard funds and ETFs to construct diversified portfolios with various customization options.