Christine Stefanou is a financial advisor with Ameriprise in Malvern, PA, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she is involved in a family-owned software company and has an ownership interest in a rental property business through an LLC. Ameriprise serves primarily high-net-worth individuals approaching or in retirement, offering retirement-income planning services that include written recommendation reports and a combination of research, modeling, and tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical for a large institutional financial services company.

Jesse Billela is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 63 and Series 66 credentials and has worked at multiple firms including 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’s investment approach combines goal-based, algorithm-driven strategies with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large-scale digital platform and a team servicing model.

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.

Michael Marotta is a Wealth Management Advisor specializing in serving both young couples embarking on their financial journeys and older clients preparing for retirement. He works at Merrill Lynch Wealth Management and has over 12 years of experience in the financial services industry. Michael focuses on areas including college education planning, corporate retirement plan services, divorce transition planning, legacy planning, personal retirement planning, portfolio management, socially responsible investing, tax minimization, and retirement income strategies. Since earning his bachelor's degree from Georgetown University in 2011, Michael has committed himself to understanding his clients' core goals and concerns, identifying any gaps that may exist in their financial plans. He emphasizes a disciplined, process-driven approach highlighting saving early, wealth compounding, tax mitigation, and preparation for pivotal financial decisions. His expertise is supported by professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Michael is a member of the Delaware County Estate Planning Council. Outside of work, he enjoys spending time with his wife Carter and their children, along with activities such as golf, traveling, cooking, baseball, basketball, football, reading, and watching movies.

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.

Chad Kilhefner is a CFP® with 24 years of industry experience, currently serving at Vanguard Advisers. He has been with The Vanguard Group since 2002. Outside of his advisory role, he is a volunteer board member for the Personal Financial Planning Advisory Board at Kutztown University and works as a fitness and self-defense blog host. 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 with proprietary methodologies to personalize asset allocations, primarily utilizing Vanguard funds and ETFs.

Liam Di Fonzo is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors LLC and Renault Winery. Outside of his advisory role, he is involved with Bala Financial Group Inc. as a registered representative and insurance agent, focusing on sales and marketing of securities, fixed annuities, and health insurance products. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Athena Mccarthy is a CFP® with 19 years of experience in the financial industry, currently serving as an advisor at Vanguard Advisers since 2007. She holds a Series 63 license and is based in Malvern, PA. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and largely uses Vanguard funds and ETFs. The firm manages a large-scale digital platform with over 2,400 advisors and serves a diverse client base focused on retirement and savings goals.

Kristin Witmer is a CFP®, ChFC®, and Series 63-licensed financial advisor with 23 years of industry experience. She has been with The Vanguard Group since 2011 and is based in Malvern, PA. Vanguard Advisers offers 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 to construct portfolios mainly from Vanguard funds and ETFs, featuring customization options such as tax-aware strategies and ESG exposure.

Theodore Liadis 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 The Vanguard Group and its affiliated entities since 2021. Outside of his advisory role, he is also engaged as a delivery driver for Lehigh Pizza. 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 with portfolios constructed mainly from Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing hundreds of thousands of client relationships through a combination of automated platforms and advisory teams.

John Eyen is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 11 years of industry experience. His prior work includes roles at Berthel Fisher & Company Financial Services and the U.S. Postal Service. Outside of advising, he owns and operates an e-commerce business, Eyen Exchange LLC. 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 using proprietary models to tailor asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base with over 2,200 advisors.

Robert Clements Jr. is a financial advisor with LPL Financial in Wayne, PA, holding the ChFC® designation and Securities Series 63 and 65 licenses. He has 23 years of industry experience, including roles at Global Retirement Partners, LLC and Private Advisor Group, LLC. He is involved in life insurance brokerage and operates Clements Financial LLC for tax and liability purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services, combining discretionary and non-discretionary management with access to diverse model portfolios and research.

Robert Defalco is a financial advisor with Merrill, holding a Series 66 designation and 28 years of industry experience. He has been with Merrill Lynch and Merrill since 1986. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Leon Edelman is a CFP®-certified financial advisor with 14 years of industry experience, currently practicing at Vanguard Advisers. He has worked at The Vanguard Group 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 featuring personalized asset allocations and portfolios primarily composed of Vanguard funds and ETFs.

Albert Weikel III is a CFP® with 29 years of industry experience and has been with The Vanguard Group, Inc. since 1996. He is based in Malvern, PA, and holds Series 63 and Series 65 licenses. Vanguard Advisers delivers 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 with portfolios primarily composed of Vanguard funds and ETFs, supported by a large advisory team serving a broad client base.

Gary Martin is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Vanguard Advisers since 2015 and is also employed by The Vanguard Group, Inc. Outside of his advisory role, Martin is contracted for delivery services with Uber Eats and 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 approach with portfolios built mainly from Vanguard funds and ETFs, combining scale with digital delivery supported by a team servicing model.

John Musewicz is a Series 66-licensed financial advisor with Vanguard Advisers, bringing seven years of industry experience. He has been with Vanguard in various capacities since 2008, including roles at The Vanguard Group and Vanguard Marketing Corporation. Outside of his advisory work, he serves as an umpire for youth sports leagues. 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 constructs portfolios mainly from Vanguard funds and ETFs, emphasizing digital delivery and scale.

Cadence Morgan is a Financial Consultant currently working at Fidelity Investments. In this role, Cadence assists clients in transforming their financial goals into clear and actionable strategies, focusing on tailored planning solutions and building adaptive roadmaps to support clients' futures. Cadence has held multiple roles in the financial services industry, including Investment Consultant and Central Relationship Manager at Fidelity Investments, as well as Retirement Sales Consultant, Retirement Specialist, and Client Services positions at Vanguard. This experience spans from 2019 to the present, providing a foundation in retirement planning, client relationship management, and investment consulting. As a Certified Financial Planner®, Cadence employs a collaborative approach that emphasizes consistent communication and transparency to help clients gain clarity and confidence in their financial decisions.

Andrew Dolan is a financial advisor at Ameriprise with six years of industry experience. He holds Series 63 and Series 65 securities registrations. Prior to joining Ameriprise in 2021, he worked at Lincoln Financial Distributors and Jackson Cross Partners and spent four years at Pennsylvania State University. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.