Vanessa Paparone is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Bank since 2017. Her prior experience includes roles at Berman Blake Associates and Smoothie King. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers a combination of brokerage and advisory solutions.

William Guinan Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials with nine years of industry experience. He has been with The Vanguard Group since 2018, following two years at Randstad. 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 approach that utilizes proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Matthew Acevedo is a financial advisor at Ameriprise with six years of industry experience. He has worked at Ameriprise since 2019 and previously held roles at Klondike Kates and Chesapeake Inn. Outside of his advisory work, he is involved with Kimberlee M. O. LLC as a financial advisor. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice, utilizing investment research, third-party data, and algorithmic tools.

David Layo is a CFP®-certified financial advisor with 27 years of industry experience. He is currently with OSAIC and has previously worked at Lincoln Financial Advisors Corporation and Citadel Federal Credit Union. Outside of his advisory roles, he is a co-owner and financial planner at Capital Wealth Management Group, LLC. OSAIC Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plans, charities, and corporations. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization, offering both brokerage and advisory services through a multi-advisor platform.

Nancy Rainer Wallace is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in their Wayne, Pennsylvania office. She joined Merrill Lynch in January 2011 and has been a Wealth Management Advisor since 1982. Prior to her current role, Nancy held senior financial advisory positions at Morgan Stanley and UBS Financial Services. She specializes in delivering comprehensive financial advisory and wealth management solutions tailored to individuals, families, and businesses, considering factors such as risk tolerance, time horizon, liquidity needs, and investment goals. Nancy's expertise includes equity and fixed income portfolio management, retirement planning, annuities, pension and profit sharing services, life insurance, and asset allocation frameworks. She is also licensed in National Commodities Futures and holds FINRA registrations Series 3, 7, 63, and 65. Her professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She attended Harriton High School, the University of Hartford, and the University of Miami. Nancy is involved with philanthropic organizations including The Ladies Committee for the Devon Horse Show and the Brandywine Conservancy for the Radnor Hunt Club, and she has served on the women’s board of the Philadelphia American Cancer Society. Nancy and her husband Jim formed the Wallace Rainer Group business partnership in 1995, and they reside in Devon, Pennsylvania with their two daughters. Her personal interests include baseball, billiards, boating, football, golfing, reading, spending time with family, and traveling.

Douglas Hepburn is a CFP® professional with 29 years of industry experience, currently with Cetera, where he has worked since 2013. He is president of Financial Workshops LLC, a financial education business, and founder and executive director of Lower Providence Jr Trap, a youth sports team organization. He also serves as an estate executor and holds a role as an insurance agent. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Matthew Callaghan is a CFA® charterholder with 15 years of industry experience. He has worked at The Vanguard Group, Inc. since 2011 and is currently affiliated with Vanguard Advisers. Vanguard Advisers serves retail investors and eligible employer-sponsored retirement plan participants through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach to portfolio construction, primarily using Vanguard funds and ETFs, and manages a large client base through its digital platform and team servicing model.

John Patsy is a financial advisor with LPL Financial, holding CFP® and Series 66 designations and 18 years of industry experience. He has been with LPL Financial since 2009. In addition to his advisory role, he is an agent involved with non-variable insurance through LTCi Partners, Crump. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, supported by a large network of investment adviser representatives.

Michael Kilburn is a financial advisor at RBC Capital Markets with nine years of industry experience. He holds a Series 66 designation and has worked at RBC Capital Markets since 2016. Prior to his financial services career, Kilburn was involved with Harry's Savoy Grill and Ballroom for 15 years. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through various advisory programs that offer portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on client risk profiles and utilizes a combination of in-house and third-party managers to implement portfolios.

Cathy Jackson is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 28 years of industry experience. She previously worked at Avantax Investment Services and Next Financial Group and has been involved with Beacon Financial Group for over 20 years. Jackson serves as a board member and volunteer for charitable organizations focused on financial education and community support. Cetera Investment Advisers LLC operates a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services across various program structures and custodial relationships.

Andrew Aramany is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2005 and brings over two decades of experience in the financial services industry, including prior positions at the Vanguard Group and Lincoln Financial Group. Andrew holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), CHARTERED FINANCIAL CONSULTANT (ChFC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Andrew earned a bachelor’s degree from the University of Delaware and a master’s degree from Villanova University. At the University of Delaware, he was awarded an Athletic Letter Award for football. He works closely with clients to develop investment strategies tailored to their financial goals and risk tolerance, focusing on areas such as college education planning, liquidity management, managing new wealth, personal retirement planning, and women and wealth. In addition to his advisory role, Andrew teaches investment-related courses at the Life Long Learning Institute at Immaculata University and Chester County Night School. Andrew resides in Downingtown, Pennsylvania, with his wife and three children. His personal interests include biking, football, golfing, racquetball, running, scuba diving, and tennis.

Stephen Graham Jr. is a financial advisor with Vanguard Advisers in Malvern, PA. He holds the Series 63 and Series 66 designations and has 20 years of industry experience, all with The Vanguard Group since 2006. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach that uses proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through a digital platform combined with team servicing.

Holly Wilrigs is a Series 66–licensed financial advisor with Vanguard Advisers, based in Malvern, PA, and has four years of industry experience. Before joining Vanguard in 2022, she worked at Vanscoy Maurer & Bash Diamond Jewelers and Bankers Life Insurance Company. She is employed by The Vanguard Group, Inc., the parent company of Vanguard Marketing Corporation. Vanguard Advisers delivers 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 approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs, and it manages a large client base through a combination of digital platforms and advisor teams.

Steven Shimp Jr. is a financial advisor with Ameriprise who holds a Series 66 designation and has 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he co-owns Truecore LLC, a business managing his Ameriprise advisory practice. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Ryan Ashcroft is a financial advisor at Morgan Stanley in Berwyn, PA, holding a Series 66 designation with 16 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2010 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, 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 a structured financial planning process that utilizes firm-approved tools and models to assess potential outcomes.

Benjamin Davis is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and having two years of industry experience. His prior experience includes roles at Delphi Wealth Management Group and The Vanguard Group. Outside of his advisory work, he operates e-commerce businesses selling items on platforms such as Mercari, eBay, and Facebook Marketplace. 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 constructed mainly from Vanguard funds and ETFs, offering various customization options and serving a large client base through a combination of digital platforms and advisor teams.

Stephen Swofford is a financial advisor at Fisher Investments with 10 years of industry experience and holds a Series 65 designation. He has been with Fisher Investments since 2012. Outside of his advisory role, he is the owner of a holding company that has no active business operations. Fisher Investments serves a diverse global clientele, including institutional and private clients such as pension plans and high-net-worth individuals. The firm provides discretionary portfolio management using a centralized Investment Policy Committee that integrates quantitative and qualitative research, employing tax-aware and risk management strategies across multiple investment vehicles.

Brooke Wooding is a financial advisor with Wells Fargo Clearing in Chesterbrook, PA, holding Series 63 and Series 66 designations and nine years of industry experience. She has worked at Wells Fargo Clearing since 2017 and has prior experience at Liberty University and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, managing approximately $671 billion in assets with over 14,000 advisors.

Bruce Chmara is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Morgan Stanley Private Bank, National Association. He has been with Wells Fargo Clearing since 2021. 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 includes a broad range of financial products in its investment menus, such as insurance-related vehicles and bank deposit sweep options.

Christine Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning her career in financial services in 1999, she has focused on assisting clients through a holistic, formula-based approach to accumulating, managing, and preserving wealth. Christine works closely with individuals, families, and businesses, providing integrated wealth management and planning services based on a comprehensive understanding of each client’s financial situation and priorities. With over two decades of experience, Christine’s expertise includes retirement planning, business transition strategies, college education planning, legacy planning, and socially responsible investing. She holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christine also completed a Non-Accredited Certificate Program at Taylor University. She is active in professional and community organizations such as the Southern Chester County Chamber of Commerce and Believers In Business, where she serves on committees and the board. Christine is committed to providing objective advice and personalized service, emphasizing integrity and attention to detail. She views financial advising as a process that requires adaptability to life changes and aims to empower clients to take control of their financial lives. Living in Chester County, she participates in local community activities and enjoys cooking, gardening, golfing, horseback riding, and photography.