Joseph Lo Stracco is a financial advisor at Cetera with eight years of industry experience and holds the Series 66 designation. His prior roles include positions at Voya Financial Advisors and Kalejta Financial Management. He is also involved with Flagship Financial, a financial services firm. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes discretionary and non-discretionary program options.

Raquel Ward is a financial advisor at Vanguard Advisers with 15 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Fidelity Brokerage Services, UBS Financial Services, and JPMorgan Chase Bank. She has been with Vanguard and its affiliated entities since 2022. 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 with personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and serves a large client base through its digital platform and team servicing model.

Michael Mc Callister is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with Vanguard since 2015 in various roles, including Vanguard Marketing Corporation and The Vanguard Group, and has worked as a self-employed advisor intermittently since 2021. Mc Callister acts as a limited agent for immediate family members in an investment-related fiduciary capacity. Vanguard Advisers offers automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to asset allocation and portfolio construction, leveraging Vanguard funds and ETFs with features such as tax-awareness and customizable options.

Rebecca Dauterive is a financial advisor at Fidelity with seven years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at The Vanguard Group and The Institutes. Outside of her advisory role, she has experience working in the hospitality industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Robert Mcdevitt is a CFP® professional with 21 years of industry experience, currently serving as an advisor at Vanguard Advisers. His prior roles include positions with Continental Packaging, AEPG Wealth Strategies, CoreStates Capital Advisors, LLC, and Equitable Advisors. He has been with The Vanguard Group since 2018. Vanguard Advisers offers automated and human-supported investment advice to retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, emphasizing scale and digital delivery across a broad client base.

Lei Knopp is a financial advisor with Merrill in Exton, Pennsylvania, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill Lynch since 1995. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Colin Baker is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and two years of industry experience. His background includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as positions outside the financial industry. 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 largely constructs portfolios from Vanguard funds and ETFs.

Matthew Cappelletti Jr. is a financial advisor with LPL Financial who holds a Series 63 designation and has 23 years of industry experience. He has worked at LPL Financial since 2006 and previously at Cappelletti Pinter & Co PC for 31 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a wide range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.

Hannah Cresswell is a financial advisor at Vanguard Advisers with one year of industry experience. She holds the Series 66 designation and has prior work experience including roles at Nordstrom, Inc. and involvement with Moe Joe Coffee Company. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans by providing automated and human-supported investment advice through its digital and personal advisor services. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering various customization options and tax-aware features.

Daniel Scott is a financial advisor at Vanguard Advisers with 13 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Vanguard firms since 2012, including Vanguard Advisers since 2020. 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, offering a range of customization options and managing hundreds of thousands of client relationships through a combination of digital platforms and advisor support.

Jeremy Beil is a financial advisor with Vanguard Advisers who holds Series 65 and Series 66 designations and has 24 years of industry experience. He has been with Vanguard Advisers since 2006 and is also associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach utilizes proprietary models to create personalized asset allocations, primarily investing in Vanguard funds and ETFs.

Johnanthony Fiorilli Jr. is a financial advisor at Vanguard Advisers with six years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at BASF Corporation. Outside of finance, he serves as a soccer referee with the United States Soccer Federation and the National Intercollegiate Soccer Officials Association, officiating games in Southeast Pennsylvania. He also works as a remote classroom moderator for Distance CME, supporting EMS continuing education. 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 employs proprietary models and largely invests in Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing hundreds of thousands of client relationships with over 2,200 advisors.

Craig Gower Jr. is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2017. He has prior experience with United Parcel Service Co. and serves as an officer in the Army National Guard. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes proprietary glide-path methodology and Vanguard funds and ETFs.

Nolan Mccloskey is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior work history includes roles at Randstad and Edelman Financial Engines, and he has experience in educational and catering sectors. 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 methodologies to create personalized asset allocations primarily through Vanguard funds and ETFs.

Kevin Hatten is a financial advisor with Vanguard Advisers, holding a Series 66 designation and three years of industry experience. He has been with The Vanguard Group since 2022 and has prior experience that includes roles outside finance, such as working with Siemens Healthineers and involvement in the hospitality sector. Additionally, he is an author of books about artificial intelligence. 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 and manages portfolios mainly composed of Vanguard funds and ETFs, serving a large client base through a combination of digital platforms and advisory teams.

Jeff Gerhards is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with The Vanguard Group, Inc. since 2008. Outside of his advisory role, he serves as an authorized agent on multiple family members’ accounts. Vanguard Advisers provides 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 approach using proprietary methodologies to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Sunil Handa is a CFP®-designated financial advisor with Vanguard Advisers, based in Malvern, PA, bringing 15 years of industry experience. His prior roles include positions at H&R Block, Equitable Advisors, and PFS Investments. Outside of financial advising, he is involved in supply chain consulting with Sigma Corporation and works as a tax preparer. Vanguard Advisers offers automated and human-supported investment advice through 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, supported by a high client-per-advisor ratio due to its scalable digital platform.

John Abella is a financial advisor at Vanguard Advisers with 10 years of industry experience. He has worked at The Vanguard Group, Inc. since 2016 and holds Series 63 and Series 65 designations. Vanguard Advisers offers 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 investment approach to create personalized portfolios mainly composed of Vanguard funds and ETFs.

George Kyriazis is a CFP®-credentialed financial advisor at Vanguard Advisers with five years of industry experience. He has worked with Vanguard in various capacities since 2021 and owns an e-commerce business selling toilet paper. 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 create personalized asset allocations, relying largely on Vanguard funds and ETFs.

Daniele Madanat is a financial advisor at Vanguard Advisers with 15 years of industry experience. She holds the ChFC® and Series 63 designations. Prior to joining Vanguard in 2026, she worked at JP Morgan Chase & Co. for 17 years and taught at Eastern University from 2022 to 2023. 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 portfolio management, emphasizing personalized asset allocations primarily constructed from Vanguard funds and ETFs.