Benjamin Spalter is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC prior to his current role. He serves as a trustee of a family trust, dedicating time to this responsibility alongside his advisory work. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, and uses proprietary research and tools to develop tailored recommendations.

Megan Wager is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has held various roles within The Vanguard Group, Inc. and its affiliates since 2013, including positions at Vanguard Marketing Corporation and OBVI Boutique. Vanguard Advisers provides both 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 and manages portfolios primarily composed of Vanguard funds and ETFs, offering features such as tax-aware strategies and customization options.

Ryan Schwab is a CFP® and Series 66-licensed financial advisor with four years of industry experience. He is currently with Charles Schwab and Charles Schwab Bank, SSB, where he has worked since 2022. His prior experience includes roles at Equitable Advisors, Specialty Medical Products, Schwan's Global Supply, Ursinus College, and Pope John Paul II School. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and provides integrated brokerage, custody, and cash-sweep services.

Sean Ryan is a financial advisor at Cetera with 18 years of industry experience. He holds a Series 66 designation and has worked at multiple firms, including Magis Financial Partners and Vf Associates, Inc. He is also involved as a vice president and financial consultant in a DBA under Magis Financial Partners. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform providing discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Stephen McGinn is a CFP® and ChFC® with 36 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2008. He is also an independent insurance agent and a member of the Chester County Chamber of Commerce. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements.

Alex Daniel is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop financial strategies using the extensive resources and services of the firm. He is committed to understanding clients' financial goals through a structured process. Alex has a broad range of experience in the financial industry, having held roles such as Investment Consultant at Fidelity Investments, Investment Advisor Representative at Charles Schwab, and Financial Advisor at Merrill Lynch Wealth Management. His career also includes positions as a Financial Consultant II at Citizens Securities and Producing Agent at MassMutual, among others. He holds a California Insurance License. Outside of his professional work, Alex has personal interests that include cars, social events with friends, movies, museums, tennis, and traveling.

Jeffrey Gladstein is an International Wealth Advisor at Merrill Lynch Wealth Management. In this role, he focuses on providing personalized wealth management strategies tailored to clients' individual financial situations and goals. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to help clients navigate changing market conditions. Jeffrey holds the Professional Investment Advisor (PIA) designation and has earned a Bachelor's Degree from Kiev College and School of Architecture and Civil Engineering, as well as a Master of Business Administration (MBA) from the University of Pennsylvania Wharton School. Committed to community involvement, he participates in local organizations through volunteer work, reflecting the Merrill tradition of service in the communities where he works.

Nehanda Spencer is a Series 66-licensed financial advisor with Merrill in West Chester, PA, having one year of industry experience. Her prior roles include positions at Bank of America, N.A., BNY Mellon, Vanguard, and TD Bank. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Missett Jr. is a CFA® charterholder with 26 years of industry experience, currently serving as a financial professional at Cambridge Investment Research Advisors since 2013. He also acts as president of Strategem Wealth Management, a DBA under which he provides financial services. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides various investment solutions across multiple platforms, combining proprietary and third-party strategies tailored to client objectives.

Christopher Grandieri is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he is a partner in C2J Investments, LLC, a company involved in the hospital and healthcare sector. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and analysis methods.

Douglas McAllister is an Investment Consultant currently working at Fidelity Investments since 2024. He has built his career in financial services largely within Chester County, focusing on developing collaborative financial planning strategies and fostering strong client relationships. Douglas has extensive experience in the financial industry, having served in various roles at Vanguard from 2007 to 2024, including Senior Financial Advisor, Financial Advisor, Client Relationship Consultant, Client Relationship Administrator, and Client Relationship Associate. His professional background encompasses investment consulting and comprehensive financial advising. Outside of his professional work, Douglas has interests in baseball, comedy, family activities, hiking, music, and parenthood.

Peter Munley is a financial advisor with LPL Financial holding a Series 66 credential and five years of industry experience. His prior roles include positions at CUNA Brokerage Services, American Heritage FCU, and American Spirit FCU. Munley is also involved in investment-related activities at American Heritage FCU. 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 range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management along with various model portfolios and research resources.

Stephen Rattigan is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at The Vanguard Group since 2017, with prior roles at Ranstadt, Bank of America, Ferrandino & Son Inc., and Citizens Bank of Pennsylvania. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach, managing portfolios primarily with Vanguard funds and ETFs, and supports a large client base through digital delivery combined with advisor teams.

Sean Harding is a financial advisor with LPL Financial, holding a Series 63 designation and over 27 years of industry experience. His work history includes multiple roles at LPL Financial and Avantax, as well as operating his own Harding Capital Management for 16 years. Outside of financial services, he is the owner of GLK Sports Training LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by extensive research and technology tools.

Eric Elmer is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 designation and 10 years of industry experience. He has been with Vanguard Advisers since 2019 and has also worked at Pen Mutual Life Insurance Co and Hornor Townsend & Kent Inc. Outside of his advisory role, he serves as an umpire for youth baseball through the Tri County Umpire Group. Vanguard Advisers provides automated and human-supported investment advice for retail investors and retirement plan participants, offering goal-based, algorithm-driven portfolios constructed primarily from Vanguard funds and ETFs. The firm is notable for its large scale, digital delivery model, and a range of customization options including tax-efficient strategies and ESG choices.

Andrew Rosecky is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in managing new wealth, personal retirement planning, and portfolio management services, working closely with clients to develop personalized financial strategies tailored to their individual goals. His approach includes thorough consideration of costs, tax implications, income needs, and risk management. Andrew holds a Bachelor's Degree from Drexel University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise extends to a range of financial services such as commercial loans, corporate financing, trust services, 401(k) plans, residential mortgages, and life/long term care insurance, with banking, credit, and lending offerings provided through Bank of America. In addition to his professional focus, Andrew engages in community volunteering activities in line with the Merrill tradition. He has personal interests in football, music, pickleball, and yoga.

William Loucks is a Wealth Management Advisor at Merrill Lynch Wealth Management. He takes a planning-based, consultative approach to assist individuals and families who may not have the time, energy, or desire to manage their financial affairs. His focus areas include personal retirement planning, tax minimization, and retirement income strategies. William holds the CERTIFIED FINANCIAL PLANNER® designation and the Personal Investment Advisor designation. He earned both a Bachelor's and a Master's degree from the Pennsylvania State University System. He is also a member of the Penn State Alumni Association. Outside of his professional work, William enjoys biking, golfing, ice hockey, and spending time with his family. He is involved in the community through his participation with the First Tee - Greater Philadelphia organization.

Christopher Goudey is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2012. 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 asset allocation and primarily constructs portfolios from Vanguard funds and ETFs, offering customization options including ESG and international exposure.

Jordan Landers is a CFP® with four years of industry experience currently serving at Vanguard Advisers. His background includes roles at The Vanguard Group and Avenue 365 Lender Services, as well as experience as a self-employed delivery driver contracted with DoorDash. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes Vanguard funds and ETFs. The firm manages a large client base through its digital platform combined with advisory teams.

Joshua Fouraker is a financial advisor at Raymond James & Associates with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Raymond James, he worked at NVR Inc., Allan Myers Inc., and Joy Services. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, pension plans, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.