Carmine Ciccolella is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1994. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Carmine specializes in retirement planning strategies, fixed income portfolio construction, and wealth management for affluent individuals and small business owners. His approach emphasizes preservation of capital, cash flow, and tailoring recommendations to align with each client’s income and growth objectives. Carmine holds a Bachelor of Science degree from the United States Naval Academy and a Master of Science degree from Golden Gate University. Following his graduation in 1986, he served as a Naval Officer for seven years, gaining experience in financial and logistics responsibilities. His professional focus includes family wealth management, liquidity management, tax minimization, investment planning, and estate transfer strategies. Carmine works closely with a Registered Wealth Management Client Associate to provide comprehensive financial advisory services. Residing in Hockessin, Delaware, Carmine is married with two sons. He is active in his local church and alumni association groups. Outside of work, he enjoys baseball, golfing, reading, and spending time with his family.

Caryn Schwartzberg is a Series 66 licensed financial advisor at Vanguard Advisers with four years of industry experience. She has been with The Vanguard Group since 2021, following prior roles including work at Randstad and the Cirillo Cosmetic Dermatology Spa. Vanguard Advisers offers 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 and proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Francesco Carafa is a financial advisor at Vanguard Advisers with credentials including Series 63 and Series 66. He has held various roles since 2014 at firms including PNC Investments, National Life Group, and The Barclay Group. He has also been self-employed since 2022 and has experience with multiple Vanguard affiliates. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven investment approach centered on personalized asset allocations primarily constructed from Vanguard funds and ETFs, supported by a large team of advisors and a digital delivery platform.

Ethan Wang is a CFA® charterholder and Series 63 licensee with six years of industry experience. He has worked at The Vanguard Group, Inc. in various roles since 2014 and was affiliated with the University of Pennsylvania for two years. 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 to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing hundreds of thousands of client relationships through its digital platform and advisory team.

Jadan Mcdermott is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and three years of industry experience. He has worked at multiple Vanguard entities since 2022 and has prior experience at various organizations including Tufts University and The Simmons Law Firm. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm serves a large client base through a digital platform and a team servicing model.

Dominic Marinucci is a financial advisor with Mass Mutual Investors Services in Exton, PA. He holds a Series 66 designation and has 16 years of industry experience, including 15 years with Mass Mutual and its affiliated firms. Outside of his advisory role, he serves as a course instructor at Delaware County Community College. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive planning using firm-approved tools and educational seminars, serving a diverse client base including high-net-worth individuals.

Dorian O'Connell is an advisor at Vanguard Advisers with Series 63 and Series 66 credentials and five years of industry experience. He has worked at The Vanguard Group, Inc. since 2021 and owns several small e-commerce businesses, including an Etsy store and a baking company, Sweet Pastry LLC. Vanguard Advisers serves retail investors and eligible retirement plan participants through a combination of automated and human-supported investment advice, using a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs.

Joshua Novess is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at multiple Vanguard entities since 2019, following prior roles at AeroTek and BMO Harris Bank. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with proprietary models to construct personalized portfolios largely composed of Vanguard funds and ETFs.

Anthony Videtto is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with The Vanguard Group since 2005. Outside of his advisory role, he is a limited partner in SVS Properties Group LLC, a rental property business in New Jersey. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm operates at scale with a digital delivery model, managing hundreds of thousands of client relationships through over 2,200 advisors.

Mark Roussey is a financial advisor with Equitable Advisors in Phoenixville, PA, holding a Series 66 designation and five years of industry experience. Prior to joining Equitable Advisors in 2021, he worked for POWER Engineers from 2014 to 2021. Equitable Advisors serves a diverse client base that includes individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, utilizing a delivery model that emphasizes LPL-sponsored programs and endorsed TAMPs.

Ryan Lynch is a financial advisor at Fidelity with six years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Merrill and Fidelity Investments. Prior to his advisory roles, he also worked in hospitality at Quito's Restaurant and North End Pizzeria. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI in research, and its advisory roles with registered investment companies and model portfolios.

Christopher Larkin is a financial advisor at Vanguard Advisers with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various Vanguard entities since 2021. Prior to his current role, he gained experience outside finance, including multiple positions at Insomnia Cookies. 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 models and offers portfolios mainly composed of Vanguard funds and ETFs, with options for tax-aware features and customization.

Philip Sharpe Jr. is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. Prior to joining Vanguard, he worked at The J.G. Wentworth Company LLC and has varied experience including roles outside finance such as in painting and community involvement. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans with a goal-based, algorithm-driven investment approach that combines automated and human-supported advice. The firm manages large-scale client relationships primarily through digital platforms and constructs portfolios mainly from Vanguard funds and ETFs with multiple customization options.

Lauren Feeney is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has worked at The Vanguard Group, Inc. since 2016 and previously was involved with Peoples Light & The Theatre Co. from 2016 to 2019. Vanguard Advisers provides 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 methodologies to tailor asset allocations, primarily utilizing Vanguard funds and ETFs.

Todd Bechtel is a CFP®-certified financial advisor with 30 years of industry experience. He has been with Vanguard Advisers since 2016 and has worked with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 1996. Vanguard Advisers provides both 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 portfolio construction, leveraging Vanguard funds and ETFs, and offers a range of customization options including tax-aware strategies and ESG exposure.

Josephine Del Duca is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and four years of industry experience. She has been with The Vanguard Group since 2020 and previously worked at Randstad and Sacred Heart Academy. She serves as an agent for immediate family members in a fiduciary capacity. 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 set personalized asset allocations, primarily with Vanguard funds and ETFs, and manages a large client base through a digital platform supported by over 2,200 advisors.

Marc Nettles is a financial advisor with Wells Fargo Advisors in Exton, PA, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been with Wells Fargo Advisors since 2009, including a prior role at Wells Fargo Clearing. Outside of his advisory work, he serves as a basketball referee for the Pennsylvania Interscholastic Athletic Association. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning solutions including cash-flow, retirement, education, and niche services such as business-owner transition and special-needs analysis. The firm uses proprietary research and planning tools to develop tailored recommendations, which clients may choose to implement through brokerage or advisory programs.

Cole Watson is a Series 66-licensed financial advisor with six years of industry experience. He currently works at Vanguard Advisers and related Vanguard entities, having joined in 2021. His prior experience includes roles at Bank of America, Merrill Lynch, ACE American Insurance, and Gettysburg College. 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 with portfolios constructed mainly from Vanguard funds and ETFs, offering customization options and tax-aware features.

Kyle Hooven is a financial advisor at Vanguard Advisers with 11 years of industry experience. He has held roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2014 and worked at Lucid Roots Apparel from 2017 to 2018. He holds Series 63 and Series 66 licenses. 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 uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, offering various customization options and managing a large scale of client relationships through its hybrid service model.

Justine Minnick is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and three years of industry experience. She previously worked at LGL Partners for ten years before joining Vanguard in 2023. Outside of her advisory role, she owns and manages rental properties in Philadelphia. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach that utilizes proprietary models to create personalized, largely Vanguard fund-based portfolios with various customization and tax-aware features.