Aditi Dayal is a CFP® with 23 years of industry experience, currently serving at Vanguard Advisers since 2020. She has been associated with The Vanguard Group Inc. and Vanguard Marketing Corporation since 2002. 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, combining scale and digital delivery to manage a large client base efficiently.

H. Ingersoll is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to joining Mass Mutual Investors Services in 2017, Ingersoll worked at MetLife Securities Inc. from 2015 to 2017 and has been associated with MassMutual Life Insurance Company since 2016. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning supported by firm-approved analytical tools and offers a range of programs including educational seminars and event-driven planning services.

John Mc Elwee Jr. is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and one year of industry experience. Prior to his current role, he worked at several firms including Jackson National Life and Pacific Life Insurance Company. Outside of finance, he owns and operates an e-commerce business that designs websites for companies lacking a digital presence. MassMutual 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, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships using firm-approved analysis tools.

Linda Katz is a financial advisor with MassMutual Investors Services in Radnor, PA, holding the ChFC® designation and Series 63 license. She has 45 years of industry experience, including over four decades at MML Investors Services, Inc. and MassMutual Life Insurance Company. In addition to her advisory role, she works as a licensed insurance agent involved in the sales and service of insurance products. MassMutual Investors Services, LLC operates as 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 through structured, annual client engagements that utilize firm-approved analytical tools and support a range of specialized planning programs.

Shane Powers is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Goldman Sachs Ayco Personal Financial Management and various organizations in financial and non-financial capacities. Outside of advisory work, he is a contracted delivery driver for DoorDash. 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 investment approach, employing proprietary models and various customization options, while managing a large client base through a combination of digital platforms and advisor teams.

Ronald Barnes is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 66 and Series 63 designations and has previously worked at Capital Group and Navient. His current roles also include positions with Vanguard Marketing Corporation and The Vanguard Group, Inc. 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 methodologies to construct portfolios mainly from Vanguard funds and ETFs, offering various customization options and tax-aware features.

Addison Lynch serves as Vice President and Branch Leader. In this role, Addison focuses on fostering a high-performance work culture by empowering associates to maximize their talents and support clients in planning for long-term financial well-being. Addison has held several positions in the financial services industry. Prior to the current role, Addison was a Branch Leader at Fidelity Investments starting in 2022. From 2018 to 2022, Addison worked as a Client Relationship Manager at Charles Schwab. Earlier roles include Supervisory Manager at JPMorgan from 2016 to 2018 and Client Service Associate at JPMorgan from 2012 to 2016.

Robert Fried is a financial advisor at Raymond James Financial with 25 years of industry experience. He holds the Series 66 designation and has been with Raymond James Financial Services since 2004. In addition to his advisory role, he serves as an independent contractor for Anchor Investment Group LTD. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, charitable organizations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting, utilizing analytical tools and models to support client goals.

David Oscar is a financial advisor with Morgan Stanley in Berwyn, PA, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. He serves as a board member of the Rotary Club of King of Prussia, supporting local nonprofit organizations such as the Lower Merion Scholarship Committee. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to develop financial plans.

Benjamin Skupp is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and possessing 22 years of industry experience. He has previously worked at Metlife Securities Inc. and New England Securities. Outside of his advisory role, he owns Mindshift Financial Coaching, a financial coaching business. 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, asset management, and educational seminars, employing collaborative, goal-focused planning supported by firm-approved analytical tools.

Kyle Banal is a financial advisor with LPL Financial in Wilmington, DE, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2024, he worked at Bank of America for one year and was involved with Young Life for seven years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by tools such as machine learning for operational and research assistance.

Patrick Di Giacomo is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has worked at UBS Financial Services since 2021. His prior roles include positions at Tres Commas, LLC and DiGiacomo Bookkeeping Associates, LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management.

Nicholas Del Viscio is a financial advisor at Osaic with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Pacific Life Insurance, Pacific Select Distributors, and Equitable Distributors. Osaic Wealth serves a diverse range of clients including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various strategies including Unified Managed Accounts and third-party money manager programs.

Jake Armstrong is a financial advisor with Merrill in Wilmington, DE, holding Series 65 and Series 63 licenses and one year of industry experience. His prior roles include positions at The Vanguard Group, Matt's Fish Camp, and Wilmington Blue Rocks. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies managed by internal and third-party teams for a range of clients including individuals, high-net-worth clients, and institutional plans.

Benjamin Glenn is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Vanguard Advisers, Glenn worked at The Vanguard Group and Vanguard Marketing Corporation, and he has experience with Bryn Athyn College Theological School, Safeware Inc., and the Academy of the New Church. Vanguard Advisers provides 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 to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and team model.

Dean Mioli is a CFP® professional with 22 years of industry experience, currently affiliated with Cetera. His prior experience includes over 16 years at SEI Investment Management and related entities. He also serves as an adjunct professor for the American College of Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, supporting both discretionary and non-discretionary authorities across multiple program structures.

Michael Musial is a CFP® with 21 years of industry experience and has been with The Vanguard Group, Inc. since 2004. He is based in Malvern, PA and holds a Series 63 license. 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 methodologies and focuses on portfolios constructed mainly from Vanguard funds and ETFs, offering various customization options.

Shawn Pearson is a financial advisor with Wells Fargo Clearing in Wayne, PA, holding Series 63 and Series 66 credentials and 22 years of industry experience. He previously worked at PNC Investments LLC for four years before joining Wells Fargo Clearing in 2018. Outside of his advisory role, he co-owns KLHS Capital Management with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions through a large network of financial advisors.

Ryan Flynn is a financial advisor at LPL Financial with 19 years of industry experience. He has held his current position since 2017 and previously worked at Fs2 Capital Partners, LLC from 2011 to 2017. He holds Series 63 and Series 66 licenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Christopher Mitchell is a CFP® professional with 21 years of experience in the financial industry. He has worked at OSAIC since 2018 and previously held roles at Sii and Ameriprise. Outside of his advisory work, he serves as President of the local chapter of the Association of Professional Ball Players of America and is an MLBPA certified sports agent specializing in contract negotiations for baseball players. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization across various investment programs and maintains a complex affiliate network that supports its broad platform.