Joseph Kucharczuk is a CFP® with 30 years of experience in the financial industry, currently serving at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 1987. Outside of his advisory role, he acts as an agent for immediate family members in investment matters. 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 approach to portfolio construction, utilizing proprietary models and largely Vanguard funds and ETFs.

John Lang is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and three years of industry experience. He has previously worked at Comcast Cable and currently has a role at SWIG, LLC, where he serves at retail events. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios largely constructed from Vanguard funds and ETFs.

Stephen Collins is a financial advisor with LPL Financial in West Chester, PA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He previously worked for Cuna Mutual Group and Cuna Brokerage Services, Inc. for 22 years before joining LPL Financial in 2022. 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 financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms.

Estelle Bonnet is a financial advisor at Vanguard Advisers with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked in various roles at Vanguard since 2021. Outside of her advisory work, she has experience in diverse sectors including healthcare and retail. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach, utilizing proprietary models and primarily Vanguard funds and ETFs to create personalized portfolios with various customization options.

Marc Apfelbaum is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2019. He has six years of industry experience, including previous roles at Miller Transportation Group and Penske Truck Leasing. Outside of finance, he is associated with Black Hog Brewing LLC, a brewery located in Oxford, Connecticut. Edward Jones is a full-service wealth management firm serving individual and institutional clients with both discretionary and non-discretionary investment strategies. The firm has a large national presence, managing over $1 trillion in assets through a network of more than 23,000 financial advisors and 15,000 branch offices.

Angela Dahlman is a financial advisor at Vanguard Advisers with five years of industry experience. She holds a Series 66 designation and has worked at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation since 2023. Outside the financial industry, she owns Organize Your Biz, LLC, a business organizing homes and offices. 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 models and offers portfolios constructed mainly from Vanguard funds and ETFs.

Jeremy Losinno is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and having 22 years of industry experience. He has been with Vanguard Advisers since 2022 and also operates vlogs, including "Oink Cluck Moo BBQ Vlog" and "J.Lo and S.Lo Vlog." Additionally, he serves as president and board member of Crestwood Swimming Pool. 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 models to create personalized portfolios primarily constructed from Vanguard funds and ETFs.

Kyle Cooney I is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and four years of industry experience. His prior work includes roles at Northwestern Mutual and various positions in education and retail before joining Vanguard in 2022. He is based in Malvern, PA. 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 and offers portfolios largely comprised of Vanguard funds and ETFs, with customizable options including ESG preferences and tax-aware features.

Jesse Valencia is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. Prior to joining Vanguard in 2022, he worked at TD Bank and held positions in education at Downingtown Area School District and Daniel Boone High School. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes proprietary models to develop personalized asset allocations. The firm manages a large client base through a combination of digital delivery and advisor teams, with portfolios constructed mainly from Vanguard funds and ETFs.

Keval Nagda is a CFP®-certified financial advisor with seven years of industry experience, currently with Vanguard Advisers. His prior roles include positions at Cetera Wealth Services and Diamond State Financial Group. Nagda holds a Series 66 license and is based in Malvern, PA. Vanguard Advisers offers 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 utilizing proprietary methodologies and Vanguard funds and ETFs, serving a large client base with a mix of digital and advisor-supported services.

Robert Castillo Espinal is a financial advisor at Vanguard Advisers with eight years of industry experience. He holds a Series 66 designation and has worked at Vanguard Advisers and related Vanguard entities since 2019, following a year at Merrill Lynch. Prior to his financial services career, he was involved with several school boards and educational institutions. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with a large scale digital platform and manages portfolios constructed mainly from Vanguard funds and ETFs.

Sharnise Gadsden is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 licenses and having 13 years of industry experience. She has been with The Vanguard Group since 2013. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach. The firm manages large-scale client relationships through a combination of digital platforms and advisor teams, primarily utilizing Vanguard funds and ETFs in its portfolio construction.

Derik Semetti is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing six years of industry experience. His background includes roles at Vanguard Marketing Corporation and The Vanguard Group, as well as previous experience with Mass Mutual Life Insurance and Northwestern Mutual. 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 using proprietary methodologies and primarily invests in Vanguard funds and ETFs, offering a range of customization options and managing a large client base with a high client-per-advisor ratio.

Nico Echevarria is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. In this role, he assists clients in working towards their lifetime financial goals through benefits review, equity compensation, wealth planning, and guidance. He has been with Fidelity Investments since 2020, serving in various capacities including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Nico worked as an Investment Advisor Representative at Brandywine Financial Group from 2018 to 2020, and as a Hardship Determination Administrator at Vanguard from 2015 to 2018. He holds a California insurance license. Outside of his professional career, Nico enjoys family activities, football, movies, music, and parenthood.

James Adamus is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and 10 years of industry experience. He has been with The Vanguard Group, Inc. since 2015. 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 investment approach employing proprietary models and primarily Vanguard funds and ETFs, managing a large client base through a digital platform complemented by a team servicing model.

Daniel Tauriello is a CFP® with five years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Malvern, PA. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as prior experience with LPL Financial and Private Advisor Group. Vanguard Advisers offers both automated and human-supported investment advice through digital and personal advisor services, focusing on retail investors and employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models and largely Vanguard funds and ETFs to deliver scalable, customized portfolio solutions.

Jesse Billela is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and four years of industry experience. He has worked within various roles at Vanguard-related entities since 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through a digital platform supported by a team of advisors.

Richard Baker is a financial advisor at Vanguard Advisers with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. He has been with Vanguard Group since 2019. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach and constructs portfolios mainly from Vanguard funds and ETFs, offering customization options and tax-aware features.

Steven Yarborough is a CFP® professional with 25 years of experience in the financial industry, currently serving at Vanguard Advisers since 2013. He also holds Series 63 and Series 65 licenses and has been involved with Vanguard Marketing Corporation and The Vanguard Group since 2011. Outside of his advisory role, Yarborough serves as a hockey referee for USA Hockey. Vanguard Advisers provides automated and human-supported investment advice through 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 investment approach utilizing proprietary methodologies and focuses on scalable digital delivery supported by a large advisory team.

Jina Leonardi is a financial advisor at Vanguard Advisers with three years of industry experience. She holds a Series 66 designation and has worked at multiple Vanguard affiliates since 2022. Vanguard Advisers offers 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 approach with portfolios constructed mainly from Vanguard funds and ETFs, emphasizing scale and digital delivery through its extensive advisory team.