Gordon Ferguson is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Vanguard in 2026, he worked for Global Atlantic Financial Company from 2014 to 2025. 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 and offers portfolios constructed mainly from Vanguard funds and ETFs, emphasizing digital delivery and scale.

Elizabeth Smith is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2008. 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.

Ryan Uchniat is a financial advisor at Vanguard Advisers with 11 years of industry experience. He holds the Series 66 designation. His prior work includes roles at Scottrade, Inc. and Jeffrey Miller Catering. Vanguard Advisers provides automated and human-supported investment advice for retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm combines scale and digital delivery to manage a large client base with a high client-per-advisor ratio.

John Scott II is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2021. He previously worked at RE Advisers Corporation for five years. 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 with portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team servicing model.

Ryan Bell is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has worked at various Vanguard entities since 2022, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Prior to that, he held roles at Bank of America and in academic settings at the University of Delaware and East Stroudsburg University. 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 investment approach with portfolios constructed mainly from Vanguard funds and ETFs, offering scalable digital delivery supported by a large team of advisors.

Thomas Egan is a CFP® professional with 22 years of experience in the financial industry. He has been with Vanguard Advisers since 2019 and has worked within the Vanguard organization since 2007. His credentials also include Series 63 and Series 65 licenses. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes 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 digital delivery platform.

Aditi Dayal is a CFP® with 23 years of industry experience, currently serving at Vanguard Advisers since 2020. She has been associated with The Vanguard Group Inc. and Vanguard Marketing Corporation since 2002. 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 constructed from Vanguard funds and ETFs, combining scale and digital delivery to manage a large client base efficiently.

Shane Powers is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Goldman Sachs Ayco Personal Financial Management and various organizations in financial and non-financial capacities. Outside of advisory work, he is a contracted delivery driver for 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 investment approach, employing proprietary models and various customization options, while managing a large client base through a combination of digital platforms and advisor teams.

Ronald Barnes is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and three years of industry experience. His prior roles include positions at Capital Group and Navient. He is currently 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, primarily using Vanguard funds and ETFs, and serves a large client base through a combination of digital platforms and advisory teams.

Robert Fried is a financial advisor at Raymond James Financial with 24 years of industry experience. He has worked with Raymond James Financial since 2009 and with Raymond James Financial Services since 2004. Fried holds the Series 66 designation and operates out of Malvern, PA. Outside of his advisory role, he serves as an independent contractor for Anchor Investment Group LTD. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, corporations, and institutional entities. The firm emphasizes tailored, non-discretionary consulting using advanced analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Nicholas Del Viscio is a financial advisor at OSAIC with six years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Pacific Life Insurance, Equitable Distributors, and AXA Distributors. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, utilizing proprietary asset-allocation tools and offering access to multiple advisory platforms and third-party managed account solutions.

Benjamin Glenn is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Vanguard Advisers, Glenn worked at The Vanguard Group and Vanguard Marketing Corporation, and he has experience with Bryn Athyn College Theological School, Safeware Inc., and the Academy of the New Church. 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 large client base through its digital platform and team model.

Dean Mioli is a CFP® professional with 22 years of industry experience, currently affiliated with Cetera. His prior experience includes over 16 years at SEI Investment Management and related entities. He also serves as an adjunct professor for the American College of Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, supporting both discretionary and non-discretionary authorities across multiple program structures.

Michael Musial is a CFP® with 21 years of industry experience and has been with The Vanguard Group, Inc. since 2004. He is based in Malvern, PA and holds a Series 63 license. 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 focuses on portfolios constructed mainly from Vanguard funds and ETFs, offering various customization options.

Corey Kreston is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 66 licenses and has been with Vanguard and its affiliates since 2019. His prior work includes positions at 84 Lumber, Citi, the University of Delaware, Penske Automotive, and Blue Chip Sports. 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 approach using proprietary models to create personalized asset allocations, primarily constructing portfolios from Vanguard funds and ETFs with various customization options.

Crystal Lawrence is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has been with Vanguard Advisers since 2026 and has involvement with the Jamaican Vybez Sauce Company since 2019. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisory services, serving retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach, primarily employing Vanguard funds and ETFs, with a focus on scalable digital delivery and customized client portfolios.

Paul Karcher is a financial advisor with RBC Capital Markets in Chadds Ford, PA, holding a Series 63 designation and over 43 years of industry experience. He has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory role, he operates a garden business building raised beds and conducts self-defense workshops through a personal safety company; he also serves as a committee member focused on voter outreach in his local precinct. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individuals, institutions, and charitable organizations, offering customized portfolio management and financial planning services through various advisory programs.

Brian West is a Series 66 registered financial advisor with Vanguard Advisers, bringing three years of industry experience. He has been with Vanguard Advisers since 2023 and has also held roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2022. Prior to his finance career, he worked at Penn State University and Downingtown STEM Academy. Vanguard Advisers offers a combination of automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses an algorithm-driven, goal-based investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various customization options.

D. Scott Wisman is a Wealth Management Advisor with extensive experience at Merrill Lynch Wealth Management. Since 1982, he has provided customized wealth management services to affluent individuals, families, and professionals. His approach emphasizes taking a comprehensive view of wealth management that goes beyond clients' investments, beginning with listening to understand what is truly important to them before making recommendations. Scott draws on over 40 years of experience navigating both turbulent and prosperous markets. He specializes in constructing and managing fixed income portfolios and focuses on helping clients make decisions based on long-term goals rather than short-term market fluctuations. His client focus areas include college education planning, corporate executive services, executive compensation, family wealth management strategies, personal retirement planning, portfolio management, investment strategy, tax minimization, and retirement income. Scott earned his Bachelor's degree from Virginia Polytechnic Institute & State University. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been recognized by Forbes as one of America's Best-in-State Wealth Advisors for multiple consecutive years and was named to Barron's America's Top 1,200 Financial Advisors list from 2011 to 2017. Outside of his professional work, Scott is an avid skier and sports car enthusiast. He resides in West Grove, Pennsylvania, with his wife, Barbara. They have two children, Jennifer and Michael, the latter of whom is a Financial Advisor with the team.

Robert Griesemer is a ChFC® designated advisor with 42 years of experience in the financial industry. He is currently with LPL Financial since 2022 and previously worked at Lincoln Financial Securities Corporation for 14 years. In addition to his advisory role, he owns a tax preparation and accounting business, Certified Consultants Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing discretionary and non-discretionary management and model portfolios supported by LPL Research and third-party subadvisors.