George Kyriazis is a CFP®-certified financial advisor with Vanguard Advisers, where he has worked since 2025. He has four years of industry experience and has held roles with The Vanguard Group, Vanguard Marketing Corporation, and as a self-employed e-commerce business owner. Kyriazis also owned a business selling toilet paper and has been involved in property management and real estate investment. Vanguard Advisers offers 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 portfolios primarily composed of Vanguard funds and ETFs.

Ryan Stoner is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with The Vanguard Group since 2012 and works as a caddie at Applebrook Golf Club. 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 proprietary methodologies and offers a range of customized portfolio options primarily constructed from 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.

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, holding the Series 63 and Series 66 designations and five years of industry experience. He has been with Vanguard Advisers since 2022 and previously worked at Vantage Point Financial Group, Key Investment Services LLC, and First Niagara. 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 manages portfolios primarily with Vanguard funds and ETFs, offering customization options and tax-aware features.

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 eight years of industry experience. He holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 2017. Prior to joining Vanguard, he worked in mail services and at Bloomsburg University. Vanguard Advisers offers 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 using proprietary models and primarily constructs portfolios from Vanguard funds and ETFs.

Elama Ali is a financial advisor at Merrill with one year of industry experience. She holds the Series 66 designation and has worked at Merrill since 2023, with prior experience at Aunt Molly's Discount Beverage and Aston Gardens. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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 with Vanguard Advisers, holding Series 63 and Series 66 designations and having eight years of industry experience. He has been with Vanguard Advisers since 2020 and is also associated with Vanguard Marketing Corporation and The Vanguard Group since 2017. Prior to joining Vanguard, his background includes roles at Randstad, Aleris, and Carestream Health. 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, offering portfolios constructed mainly from Vanguard funds and ETFs, with various customization and tax-aware features.

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 at Vanguard Advisers with nine years of industry experience. He holds Series 66 and Series 63 licenses and has worked with Vanguard-affiliated entities since 2016. 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 portfolios primarily composed of Vanguard funds and ETFs.

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 at Vanguard Advisers with five years of industry experience. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he works as a sales associate at Brooks Brothers. 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 utilizing Vanguard funds and ETFs.

Steven Douglas is a financial advisor at Cetera with 29 years of industry experience. He holds the PFS™ credential along with Series 63 and Series 65 licenses. His prior experience includes roles at Avantax Advisory Services and 1st Global Advisors, and he also provides accounting services through his CPA practice. Douglas serves on the advisory board of the Exchange Club Center for the Prevention of Child Abuse of Chester County, a nonprofit focused on family support and abuse prevention. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various investment strategies and 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.