Vartan Karakelian serves as a Sales Manager and Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 25 years of experience working closely with affluent clients in areas including divorce transition planning, equity compensation services, family wealth management strategies, services for endowments and non-profits, managing new wealth, portfolio management, tax minimization, and retirement income planning. Mr. Karakelian earned a Mechanical Engineering degree from Drexel University through its co-op program and holds a Master's degree from the University of Pennsylvania. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Since 2001, he has focused on helping clients make informed financial decisions by understanding their motivations and delivering tailored written strategies to maximize the likelihood of achieving their financial goals. In addition to his professional work, Vartan Karakelian is involved in his local community through St Gregory's Armenian Church. He and his family also support disadvantaged children abroad. His personal interests include cooking, football, hiking, photography, and traveling.

Sara Smyth is a CFP® with 16 years of experience in the financial services industry. She has worked at The Vanguard Group, Inc. since 2010 and served on the board of her local homeowners association as treasurer since 2018. Smyth holds a degree from Haverford 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 and uses proprietary models to create personalized asset allocations, offering a range of customization options along with portfolios built largely from Vanguard funds and ETFs.

Zachary Cooper is a financial advisor at Cambridge Investment Research Advisors with two years of industry experience. He holds the Series 65 and Series 63 licenses and has previously worked at Citadel Federal Credit Union and TD Bank. He is also employed as an investment representative for Plan and Prosper Financial Partners, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management solutions and both proprietary and third-party investment strategies.

Kyle Demarino is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and three years of industry experience. He has been with The Vanguard Group since 2022. 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 primarily composed of Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a combination of digital platforms and advisor teams.

Brian Fox is a financial advisor at Wells Fargo Advisors in Exton, PA, holding a Series 66 designation with 16 years of industry experience. He has worked within Wells Fargo’s financial services affiliates since 2009. Fox is also the owner of Fox Wealth Partners, LLC, an independent practice based in Exton. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet a net-worth threshold, using proprietary research and planning tools.

George Bell is a Financial Consultant currently with Fidelity Investments, a position he has held since 2019. Prior to this, he worked as a Senior Financial Advisor at The Vanguard Group from 2002 to 2019. In his role, George focuses on building tailored financial plans that align with his clients' specific goals through strong and open communication, emphasizing the importance of trust in client relationships. George holds a California Insurance License, which supports his professional role in financial consulting. Outside of his professional duties, he has interests in beach activities, boating, fishing, football, and golf.

John Kane is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and having 22 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation and CUSO Financial Services, LP. Outside of advising, Kane co-owns Delphi Wealth Management Group, an LLC focused on expense management, and is a partner in a CPA/tax preparation practice. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a range of portfolio construction and management tools, utilizing multiple third-party platforms and maintaining a complex corporate structure.

Alexander Cavaliere is a financial advisor at Vanguard Advisers with 6 years of industry experience. He holds a Series 66 designation and has worked previously at Cetera Wealth Services, Securian Financial Services, and Morgan Stanley. Outside of his advisory role, he is a certified yoga instructor and performs as a guitarist in the Cavaliere Duo. 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, constructing portfolios primarily from Vanguard funds and ETFs with options for tax-aware and ESG-focused strategies.

Gaetana Di Giovanni is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds the Series 63 and Series 66 designations and has been with Vanguard Advisers since 2021, also working with Vanguard Marketing Corporation and The Vanguard Group since 2018. 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 that incorporates proprietary methodologies and a broad range of customization options.

Tyler Dunbar is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. His work history includes roles at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Coastal Insurance Consulting LLC. He has also been involved with All Star Baseball Academy. 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 methodologies, and manages client portfolios largely with Vanguard funds and ETFs.

David Marshall is a Certified Financial Planner® with 20 years of industry experience. He has been with UBS Financial Services Inc. since 2005. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products supported by proprietary research and capital market assumptions.

Joshua Goldy is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior work includes roles at Randstad and Cardionet, with concurrent employment at The Vanguard Group since 2019. Outside of finance, he works as an audio assistant for DBS Audio, supporting event setup and equipment management. Vanguard Advisers offers 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 client volumes through digital delivery and offers customizable portfolios primarily composed of Vanguard funds and ETFs.

Jennifer Calabro is a financial advisor at Ameriprise with 26 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Cetera and DNB First, National Association. Outside of her advisory role, she serves on the finance council of St. Joseph Church, where she reviews the church and school budget. Ameriprise is an institutional firm offering retirement-income planning services for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports through a centralized consulting team.

Grant Gaugler is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked at Cetera and related entities since 2024 and previously at Citadel Federal Credit Union and CUSO Financial Services. Cetera Investment Advisers LLC is a nationwide registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Erik Brown is a Certified Financial Planner (CFP®) with 19 years of industry experience. He has worked at The Vanguard Group since 2019 and previously held positions at Northwestern Mutual Wealth Management and related entities from 2008 to 2019. 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 to construct personalized portfolios largely composed of Vanguard funds and ETFs.

Steven Mcnabb is a financial advisor at LPL Enterprise with 15 years of industry experience. He holds the CFP® and CFA® designations and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, delivering investment advice primarily through investment adviser representatives using a combination of in-house research and third-party strategists.

Andrew Ivory is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 66 and Series 63 designations and has been with Vanguard Advisers since 2026. His prior work includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. 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 investment approach and manages portfolios largely composed of Vanguard funds and ETFs, utilizing proprietary models and a range of customization options.

John Good is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with OSAIC and previously worked at Securities America Advisors, Inc. for 10 years. He is also the owner of Blue Chip Financial LLC, which offers life insurance and annuities as risk mitigation tools. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services with a focus on diversified portfolios constructed using sophisticated asset-allocation tools and multiple third-party solutions.

Brendan Graham is a Series 66–licensed financial advisor with Vanguard Advisers, based in Malvern, PA. He has two years of industry experience, including prior roles at InFocus Financial Advisors and various positions at Salisbury University. 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 that incorporates proprietary modeling and primarily Vanguard funds and ETFs. The firm manages a large scale of client relationships supported by a team servicing model and focuses on retail and plan participant clients.

Kelly Klyce is a CFP® professional with 23 years of industry experience. She has been with Vanguard Advisers since 2014 and has worked at Vanguard Marketing Corporation and The Vanguard Group Inc. since 2002. Kelly is based in Malvern, PA. 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 construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a high volume of client relationships through its digital platform and team model.