Thomas Morris is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2014. 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 investment approach, managing portfolios primarily with Vanguard funds and ETFs, and serves a large client base through its digital platform and extensive advisor team.

Matthew Yagel is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 designations and possessing five years of industry experience. His work history includes roles at Vanguard Advisers, Vanguard Marketing Corporation, The Vanguard Group, Vantage Point Financial Group, and Key Investment Services. 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 on a large scale, managing hundreds of thousands of client relationships through a combination of digital delivery and advisor support.

Hajir Moghaddam is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63, 65, and 66 credentials and with 13 years of industry experience. Prior to joining Vanguard, Hajir was self-employed and has owned and operated Artificial Intelligence Research and Development, LLC, where they focus on AI research and content creation. 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 proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering customization options and tax-aware strategies.

Robert O'Connor Jr. is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at The Vanguard Group, Inc. since 2017. Prior to that, he was employed in mail services and held other roles at Bloomsburg University. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios primarily composed of Vanguard funds and ETFs, offering customization features including ESG options and tax-aware strategies.

Elama Ali is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to her current role, she worked at Aunt Molly's Discount Beverage and Aston Gardens. Merrill, along 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 investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

John Clark is a financial advisor with Wells Fargo Advisors in Exton, PA, holding Series 63 and Series 65 licenses and 31 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Clark is also a member of the investment committee at Mercy Investment Services and owns Clark & Goshow Financial Strategies Group LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients through a broad range of planning options tailored to clients meeting certain net-worth criteria.

Michael Giangiordano is a financial advisor at Vanguard Advisers with Series 63 and Series 66 designations and eight years of industry experience. He has been with Vanguard Advisers since 2020 and has also held roles at Vanguard Marketing Corporation and The Vanguard Group since 2017. Vanguard Advisers provides automated and human-supported investment advice to retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models to tailor asset allocations. The firm manages a large client base through a combination of digital platforms and advisor teams, focusing on retail and plan participant markets.

Conor Ryan is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has a background spanning multiple roles within The Vanguard Group and its affiliates since 2012, including positions at Vanguard Marketing Corporation and prior engagement with the University of Pennsylvania. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and eligible retirement plan participants, employing a goal-based, algorithm-driven investment approach centered on proprietary methodologies and portfolios primarily composed of Vanguard funds and ETFs.

Thomas Graybill is a CFP® and ChFC® with 34 years of industry experience. He has been with Ameriprise since 2005, currently serving at the Exton, PA office. Outside of his advisory role, he serves on the Board of Directors and as Secretary for the Exton Commons Owners Association. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

Timothy Hewczuk is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been associated with The Vanguard Group and its related entities since 2016. 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 that incorporates Vanguard funds and ETFs along with tax-aware strategies. The firm serves a large client base through digital delivery and a team servicing model.

Tyler Warihay is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at The Vanguard Group for six years. Tyler is currently based in Exton, PA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it serves multiple registered investment companies and fund-of-funds.

Alexandria Puia is a financial advisor with Vanguard Advisers and holds a Series 66 designation. She has been with Vanguard since 2025 and has prior experience at Wells Fargo and EPAM. Outside of her advisory work, she has worked as a babysitter since 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 to portfolio construction, utilizing Vanguard funds and ETFs along with tax-aware features and customization options.

Dennis Lam is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and five years of industry experience. His prior work includes roles at Men’s Wearhouse and Brooks Brothers. He is currently a sales associate at Brooks Brothers outside of his advisory work. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans through its digital and personal advisor services. The firm employs a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, serving a large client base with a high client-per-advisor ratio.

Steven Douglas is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has previously worked with Avantax Advisory Services and 1st Global Advisors, among others. Douglas serves on the advisory board of the Exchange Club Center for the Prevention of Child Abuse in Chester County and operates an accounting practice under Kristy M. Douglas, CPA. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and consulting services, supporting discretionary and non-discretionary program structures across multiple custodial relationships.

John Braun is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and five years of industry experience. He is the owner of Performist Athletics, an e-commerce business specializing in clothing design. 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 proprietary methodologies to set personalized asset allocations, managing portfolios mainly through Vanguard funds and ETFs.

Thomas Wagner is a financial advisor at OSAIC with one year of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes positions at JPMorgan Chase Bank, J.P. Morgan Securities, PNC, and ALDI Inc., as well as operating Simply Bold Cafe. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through a large network of advisers, employing a variety of asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Matthew Seman is a financial advisor with Vanguard Advisers based in Malvern, PA. He holds a Series 66 designation and has three years of industry experience. His prior roles include work with United Way of Erie County and Pennsylvania State University, as well as entrepreneurial activity with Rizer Fireworks. 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 and predominantly Vanguard funds, offering a range of customization options and managing a large client base through a combined digital and advisory platform.

Derrick Arnold is a CFP® with nine years of industry experience, currently serving at Osaic Wealth, Inc. since 2023. His prior roles include positions at Royal Alliance Associates, Citizens Securities, CUSO Financial Services, and Citadel FCU. In addition to his advisory work, Arnold is involved with Bala Financial Group, marketing various insurance products, and assists with tax preparation and client scheduling at Phoenix Tax Consultants. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party money managers to construct diversified portfolios tailored to client needs.

Evan Walker is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Vanguard, he held roles at Infinia Search, Inc. and several other firms across different industries. Vanguard Advisers delivers 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 primarily constructed from Vanguard funds and ETFs.

Emil Barretta is a financial advisor with Fidelity Investments in Mont Clare, PA, holding Series 63 and Series 66 licenses and four years of industry experience. His background includes roles at Fidelity and The Vanguard Group, along with service in the US Army Reserve. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model-based investment solutions.