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 at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill since 2019 and was previously with Bank of America, N.A. He also has experience with Bank of America Merrill Lynch and spent time working at the University of Tampa. 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. The firm offers a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 with Vanguard Advisers, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. She has been with The Vanguard Group, Inc. since 1992. 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 incorporates proprietary methodologies and a variety of customization options.

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.

Michael Murray is a financial advisor at Vanguard Advisers with two years of industry experience. He holds Series 66 and Series 63 credentials and has been with Vanguard-affiliated firms since 2021. Prior to joining Vanguard, he worked at Randstad and has experience in other sectors including event rentals and golf course operations. Vanguard Advisers offers automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with proprietary models to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs alongside tax-aware and customization features.

James Broadnix is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2019. He has been associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2004. 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 a large client base through a combination of digital platforms and advisor teams.

William Consolino is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 licenses with 30 years of industry experience. He previously worked at MM Ascend Life Investor Services LLC for nine years and served as a Retail Sales Manager in the Annuity Sales division at MassMutual Ascend Life Insurance Company. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based and algorithm-driven approach that incorporates proprietary models and tax-aware portfolio features. The firm manages a large client base through its digital platform and team servicing model, focusing primarily on retail and plan participant clients.

Emily Woodson is a CFP®-certified financial advisor with 16 years of industry experience. She is currently with LPL Financial, where she has worked since 2022, and previously spent 12 years at Lincoln Financial Securities. Outside of her advisory work, she is involved in managing Financial House Advisors, LLC. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning, advisory programs, and retirement consulting services, utilizing both discretionary and non-discretionary management approaches supported by model portfolios and research from multiple sources.

William Thrane is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2019. He has been associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2014. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach to asset allocation, primarily employing Vanguard funds and ETFs, and serves a large client base through a combination of digital platforms and advisor support.

Laurence Denney is a financial advisor at Vanguard Advisers with eight years of industry experience. He holds Series 63 and Series 65 credentials and has been with Vanguard and its affiliated entities since 2018. He also has prior experience working at H&R Block and is affiliated with the University of Cincinnati Graduate School. 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 and manages portfolios largely composed of Vanguard funds and ETFs, offering a range of customization options across its digital and advisor-supported platforms.

James Silvano is a Series 66-licensed financial advisor at Vanguard Advisers with one year of industry experience. His prior work includes roles at The Vanguard Group and Vanguard Marketing Corporation. Outside of finance, he has been involved with Lascala's Fire since 2024. 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 portfolio construction, primarily using Vanguard funds and ETFs, and serves a large client base through its digital platform and team servicing model.

Emily Samuels is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds the Series 66 designation and has worked with Vanguard and its affiliates since 2019. Prior to that, she held positions at The Mather Group and Thrivent Financial. 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 to construct portfolios primarily from Vanguard funds and ETFs, offering various customization options and managing a large client base through its digital platform.

Emma Bertrando is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and four years of industry experience. She has held roles at The Vanguard Group, Vanguard Marketing Corporation, and previously worked at Raffensperger, Martin & Finkenbiner, CPA. Outside of her advisory career, she was involved with West Chester Henderson Girls Basketball for three years. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. Its investment approach is goal-based and algorithm-driven, utilizing proprietary models to personalize asset allocations and offering a range of portfolio customization options.