Stephen Graham Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. He has been with The Vanguard Group since 2006. Vanguard Advisers offers automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, primarily serving retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create personalized portfolios, largely constructed from Vanguard funds and ETFs, with various tax-aware and customization features.

Holly Wilrigs is a Series 66-licensed financial advisor with Vanguard Advisers, bringing four years of industry experience. Her prior work includes roles at Vanscoy Maurer & Bash Diamond Jewelers and Bankers Life Insurance Company. Vanguard Advisers offers 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 portfolios largely composed of Vanguard funds and ETFs, combining scale with digital delivery to serve a broad client base.

Benjamin Davis is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and having two years of industry experience. His prior experience includes roles at Delphi Wealth Management Group and The Vanguard Group. Outside of his advisory work, he operates e-commerce businesses selling items on platforms such as Mercari, eBay, and Facebook Marketplace. 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 constructed mainly from Vanguard funds and ETFs, offering various customization options and serving a large client base through a combination of digital platforms and advisor teams.

Stephen Swofford is a financial advisor at Fisher Investments with 10 years of industry experience and holds a Series 65 designation. He has been with Fisher Investments since 2012. Outside of his advisory role, he is the owner of a holding company that has no active business operations. Fisher Investments serves a diverse global clientele, including institutional and private clients such as pension plans and high-net-worth individuals. The firm provides discretionary portfolio management using a centralized Investment Policy Committee that integrates quantitative and qualitative research, employing tax-aware and risk management strategies across multiple investment vehicles.

Christine Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning her career in financial services in 1999, she has focused on assisting clients through a holistic, formula-based approach to accumulating, managing, and preserving wealth. Christine works closely with individuals, families, and businesses, providing integrated wealth management and planning services based on a comprehensive understanding of each client’s financial situation and priorities. With over two decades of experience, Christine’s expertise includes retirement planning, business transition strategies, college education planning, legacy planning, and socially responsible investing. She holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christine also completed a Non-Accredited Certificate Program at Taylor University. She is active in professional and community organizations such as the Southern Chester County Chamber of Commerce and Believers In Business, where she serves on committees and the board. Christine is committed to providing objective advice and personalized service, emphasizing integrity and attention to detail. She views financial advising as a process that requires adaptability to life changes and aims to empower clients to take control of their financial lives. Living in Chester County, she participates in local community activities and enjoys cooking, gardening, golfing, horseback riding, and photography.

Timothy Grove is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and has recently started his career in the industry. His prior roles include positions at Wilmington Trust, LPL Financial LLC, Wealth Enhancement Group, and Purshe Kaplan Sterling Investments. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and provides event-driven planning services such as divorce and estate settlement planning.

Erica Baczkowski is a CFP® professional with 12 years of experience currently serving at Vanguard Advisers. She has held roles at FocusT Pointe Global since 2016 and has been affiliated with multiple Vanguard entities since 2014. Outside of her advisory work, she participates in focus groups through Focus Ponte Global. 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 to asset allocation, using proprietary models and primarily Vanguard funds and ETFs to construct portfolios with various customization options.

Matthew Morrissey is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior roles include positions at PNC Investments and PNC Bank. Morrissey has been with Vanguard Advisers and affiliated Vanguard entities since 2018. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary methodologies and largely Vanguard funds and ETFs to create personalized portfolios.

Thomas Jones is a financial advisor at Vanguard Advisers in Malvern, PA, holding Series 66 and Series 63 designations with four years of industry experience. He has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. for five years and spent ten years at Bryn Mawr Trust Company prior to joining Vanguard Advisers. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and constructs portfolios mainly from Vanguard funds and ETFs with tax-aware and customization features.

William Willson III is a financial advisor with Vanguard Advisers, holding a Series 66 designation and currently located in Malvern, PA. He has one year of industry experience, beginning his advisory career at Vanguard Advisers and affiliated Vanguard entities in 2026. Prior to entering the financial advisory field, his professional background includes roles in hospitality and corporate services. 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 constructs portfolios mainly from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Megan Wager is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has held various roles within The Vanguard Group, Inc. and its affiliates since 2013, including positions at Vanguard Marketing Corporation and OBVI Boutique. 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 and manages portfolios primarily composed of Vanguard funds and ETFs, offering features such as tax-aware strategies and customization options.

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 Series 66-licensed financial advisor with Merrill in West Chester, PA, having one year of industry experience. Her prior roles include positions at Bank of America, N.A., BNY Mellon, Vanguard, and TD Bank. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.