Stephen McGinn is a CFP® and ChFC® with 36 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2008. He is also an independent insurance agent and a member of the Chester County Chamber of Commerce. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements.

Alex Daniel is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop financial strategies using the extensive resources and services of the firm. He is committed to understanding clients' financial goals through a structured process. Alex has a broad range of experience in the financial industry, having held roles such as Investment Consultant at Fidelity Investments, Investment Advisor Representative at Charles Schwab, and Financial Advisor at Merrill Lynch Wealth Management. His career also includes positions as a Financial Consultant II at Citizens Securities and Producing Agent at MassMutual, among others. He holds a California Insurance License. Outside of his professional work, Alex has personal interests that include cars, social events with friends, movies, museums, tennis, and traveling.

Nehanda Spencer is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Her prior roles include positions at Bank of America, N.A., BNY Mellon, Vanguard, and TD Bank. 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 plans, charitable organizations, and corporate fiduciaries.

Douglas McAllister is an Investment Consultant currently working at Fidelity Investments since 2024. He has built his career in financial services largely within Chester County, focusing on developing collaborative financial planning strategies and fostering strong client relationships. Douglas has extensive experience in the financial industry, having served in various roles at Vanguard from 2007 to 2024, including Senior Financial Advisor, Financial Advisor, Client Relationship Consultant, Client Relationship Administrator, and Client Relationship Associate. His professional background encompasses investment consulting and comprehensive financial advising. Outside of his professional work, Douglas has interests in baseball, comedy, family activities, hiking, music, and parenthood.

Stephen Rattigan is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at The Vanguard Group since 2017, with prior roles at Ranstadt, Bank of America, Ferrandino & Son Inc., and Citizens Bank of Pennsylvania. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach, managing portfolios primarily with Vanguard funds and ETFs, and supports a large client base through digital delivery combined with advisor teams.

Eric Elmer is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 designation and 10 years of industry experience. He has been with Vanguard Advisers since 2019 and has also worked at Pen Mutual Life Insurance Co and Hornor Townsend & Kent Inc. Outside of his advisory role, he serves as an umpire for youth baseball through the Tri County Umpire Group. Vanguard Advisers provides automated and human-supported investment advice for retail investors and retirement plan participants, offering goal-based, algorithm-driven portfolios constructed primarily from Vanguard funds and ETFs. The firm is notable for its large scale, digital delivery model, and a range of customization options including tax-efficient strategies and ESG choices.

Andrew Rosecky is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in managing new wealth, personal retirement planning, and portfolio management services, working closely with clients to develop personalized financial strategies tailored to their individual goals. His approach includes thorough consideration of costs, tax implications, income needs, and risk management. Andrew holds a Bachelor's Degree from Drexel University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise extends to a range of financial services such as commercial loans, corporate financing, trust services, 401(k) plans, residential mortgages, and life/long term care insurance, with banking, credit, and lending offerings provided through Bank of America. In addition to his professional focus, Andrew engages in community volunteering activities in line with the Merrill tradition. He has personal interests in football, music, pickleball, and yoga.

Christopher Goudey is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2012. 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 asset allocation and primarily constructs portfolios from Vanguard funds and ETFs, offering customization options including ESG and international exposure.

Jordan Landers is a CFP® with four years of industry experience currently serving at Vanguard Advisers. His background includes roles at The Vanguard Group and Avenue 365 Lender Services, as well as experience as a self-employed delivery driver contracted with DoorDash. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes Vanguard funds and ETFs. The firm manages a large client base through its digital platform combined with advisory teams.

Edmund Oliveros is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2014. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he is involved as a member and officer in several real estate holding companies focused on distressed properties and related investments. 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 utilizing proprietary models and primarily Vanguard funds and ETFs, managing a large client base with over 2,200 advisors.

Neil O'Hare is a financial advisor at Vanguard Advisers with 23 years of industry experience. He held a position at Aberdeen Fund Distributors, LLC for 16 years before joining The Vanguard Group in 2025. Outside of his advisory role, he serves as the Greens Committee Chairman at Phoenixville Country Club. 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 to portfolio construction, utilizing Vanguard funds and ETFs along with tax-aware features and customization options.

Brett Mayne is a financial advisor with Merrill in Exton, PA, holding a Series 66 designation and six years of industry experience. His career includes roles at Bank of America, N.A., and Bank of America Merrill Lynch, alongside his current position at Merrill. 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.

Anthony Nicolai is a CFP® with 27 years of industry experience, currently serving as an advisor at Osaic since 2018. He previously worked for nearly two decades at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company. In addition to his advisory role, Nicolai is involved as an insurance broker specializing in health and group benefits. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of advisers, employing asset-allocation tools and multiple platforms to provide comprehensive portfolio management solutions.

Sean Enama is a Planning Consultant at Fidelity Investments, where he collaborates with Financial Consultants, clients, and their families to develop personalized financial plans tailored to individual goals. He focuses on building and maintaining relationships that foster trust. Sean's experience in the financial industry includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as an internship at Alden Investments. These positions have contributed to his expertise in financial planning and client relationship management. Outside of his professional work, Sean has personal interests in baseball and snowboarding.

Jack Mattera is a financial advisor with Mass Mutual Investors Services in Exton, PA, holding Series 66 and Series 63 licenses and six years of industry experience. His work history includes roles at MassMutual Life Insurance Co., MML Investors Services, Vanguard Marketing Corporation, and prior experience at Temple University and Exxon. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management and educational programs, structuring planning engagements as ongoing, collaborative relationships using firm-approved analytical tools.

John Mccutchen is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with The Vanguard Group since 2015. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm uses a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, offering tax-aware features and a range of customization options.

Anna Krylova is a Series 66-licensed financial advisor with Vanguard Advisers, based in Malvern, PA, and has two years of industry experience. Her background includes roles at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation since 2023, as well as prior experience with FBI-LEEDA and Temple University. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice, employing a goal-based, algorithm-driven approach that emphasizes personalized asset allocation and tax-aware portfolio construction. The firm manages a large client base with a combination of digital platforms and a team servicing model.

Alisa Consalvi is a financial advisor at Vanguard Advisers with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 1992. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing automated and human-supported investment advice through its digital and personal advisor services. Its investment approach is goal-based and algorithm-driven, constructing portfolios primarily from Vanguard funds and ETFs with various tax-aware and customization features.

Stephanie Rita is a financial advisor with Vanguard Advisers based in Malvern, PA, holding Series 63 and Series 66 designations and nine years of industry experience. She has been associated with Vanguard-affiliated entities since 2008 and is listed as a co-owner of Olive U, Inc., a food ingredient brokerage business founded by her husband, though she does not actively manage it. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to set personalized asset allocations, primarily investing in Vanguard funds and ETFs, and offers various tax-aware and customizable portfolio features.

Robert Sherrier Jr. is a CFP® professional with 21 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2016. He holds Series 63 and Series 66 licenses and is based in Malvern, PA. In addition to his advisory role, he acts as a fiduciary power of attorney for immediate family members. Vanguard Advisers provides automated and human-supported investment advice, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and constructs portfolios mainly from Vanguard funds and ETFs, offering various tax-aware and customization features.