Joseph Devlin is a financial advisor with Merrill based in Wayne, PA. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. Devlin has been with Merrill Lynch and Bank of America since 2011. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Fox is a financial advisor at Wells Fargo Advisors in Exton, PA, holding a Series 66 designation with 16 years of industry experience. He has worked within Wells Fargo’s financial services affiliates since 2009. Fox is also the owner of Fox Wealth Partners, LLC, an independent practice based in Exton. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet a net-worth threshold, using proprietary research and planning tools.

George Bell is a Financial Consultant currently with Fidelity Investments, a position he has held since 2019. Prior to this, he worked as a Senior Financial Advisor at The Vanguard Group from 2002 to 2019. In his role, George focuses on building tailored financial plans that align with his clients' specific goals through strong and open communication, emphasizing the importance of trust in client relationships. George holds a California Insurance License, which supports his professional role in financial consulting. Outside of his professional duties, he has interests in beach activities, boating, fishing, football, and golf.

John Kane is a financial advisor with OSAIC, holding Series 63 and Series 66 designations and having 22 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation and CUSO Financial Services, LP. Outside of advising, Kane co-owns Delphi Wealth Management Group, an LLC focused on expense management, and is a partner in a CPA/tax preparation practice. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a range of portfolio construction and management tools, utilizing multiple third-party platforms and maintaining a complex corporate structure.

Alexander Cavaliere is a financial advisor at Vanguard Advisers with 6 years of industry experience. He holds a Series 66 designation and has worked previously at Cetera Wealth Services, Securian Financial Services, and Morgan Stanley. Outside of his advisory role, he is a certified yoga instructor and performs as a guitarist in the Cavaliere Duo. 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, constructing portfolios primarily from Vanguard funds and ETFs with options for tax-aware and ESG-focused strategies.

Gaetana Di Giovanni is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds the Series 63 and Series 66 designations and has been with Vanguard Advisers since 2021, also working with Vanguard Marketing Corporation and The Vanguard Group since 2018. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that incorporates proprietary methodologies and a broad range of customization options.

Tyler Dunbar is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. His work history includes roles at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Coastal Insurance Consulting LLC. He has also been involved with All Star Baseball Academy. 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 methodologies, and manages client portfolios largely with Vanguard funds and ETFs.

David Marshall is a Certified Financial Planner® with 20 years of industry experience. He has been with UBS Financial Services Inc. since 2005. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products supported by proprietary research and capital market assumptions.

Joshua Goldy is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior work includes roles at Randstad and Cardionet, with concurrent employment at The Vanguard Group since 2019. Outside of finance, he works as an audio assistant for DBS Audio, supporting event setup and equipment management. 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. The firm manages large client volumes through digital delivery and offers customizable portfolios primarily composed of Vanguard funds and ETFs.

Erik Brown is a Certified Financial Planner (CFP®) with 19 years of industry experience. He has worked at The Vanguard Group since 2019 and previously held positions at Northwestern Mutual Wealth Management and related entities from 2008 to 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 using proprietary models to construct personalized portfolios largely composed of Vanguard funds and ETFs.

Steven Mcnabb is a financial advisor at LPL Enterprise with 15 years of industry experience. He holds the CFP® and CFA® designations and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, delivering investment advice primarily through investment adviser representatives using a combination of in-house research and third-party strategists.

Andrew Ivory is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 66 and Series 63 designations and has been with Vanguard Advisers since 2026. His prior work includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers offers 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 portfolios largely composed of Vanguard funds and ETFs, utilizing proprietary models and a range of customization options.

Oscar Pedraza is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 34 years of experience in the financial services industry and joined Merrill Lynch in 1997. Oscar provides wealth management strategies to high net worth clients and assists small and mid-sized businesses with financing, investing, and cash management opportunities. He holds several professional designations, including Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor®, Personal Investment Advisor, and Retirement Benefits Consultant. Oscar earned his undergraduate degree from the University of Wisconsin-Madison in 1986 and obtained a doctorate from Chicago-Kent College of Law in 1991. He is the past Vice President and Board of Director for Big Brothers Big Sisters of Chester County, where he also served as a mentor for ten years. He resides in Malvern, Pennsylvania, with his wife Camille and has two children in college. Oscar speaks both English and Spanish. In his personal time, Oscar enjoys activities such as bowling, cooking, golfing, hiking, music, racquetball, reading, soccer, and spending time with his family. He does not provide legal or tax advice in his role as a financial advisor with Merrill Lynch.

Nicole Maltese is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and possessing 11 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2026 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC. In addition to her advisory role, Maltese serves as treasurer for the Girl Scouts in West Chester, PA. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad planning menu that includes retirement, education, risk, and wealth-transfer planning, along with specialized services for business owners, entertainers, and others. Advisors use Wells Fargo research and tools to develop tailored recommendations, with implementation options through the firm’s brokerage or advisory programs.

Brendan Graham is a Series 66–licensed financial advisor with Vanguard Advisers, based in Malvern, PA. He has two years of industry experience, including prior roles at InFocus Financial Advisors and various positions at Salisbury University. 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 modeling and primarily Vanguard funds and ETFs. The firm manages a large scale of client relationships supported by a team servicing model and focuses on retail and plan participant clients.

Kelly Klyce is a CFP® professional with 23 years of industry experience. She has been with Vanguard Advisers since 2014 and has worked at Vanguard Marketing Corporation and The Vanguard Group Inc. since 2002. Kelly is based in Malvern, PA. 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 construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a high volume of client relationships through its digital platform and team model.

Gordon Ferguson is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Vanguard in 2026, he worked for Global Atlantic Financial Company from 2014 to 2025. 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 offers portfolios constructed mainly from Vanguard funds and ETFs, emphasizing digital delivery and scale.

Elizabeth Smith is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2008. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ryan Uchniat is a financial advisor at Vanguard Advisers with 11 years of industry experience. He holds the Series 66 designation. His prior work includes roles at Scottrade, Inc. and Jeffrey Miller Catering. Vanguard Advisers provides automated and human-supported investment advice for retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm combines scale and digital delivery to manage a large client base with a high client-per-advisor ratio.

William Mundy is a financial advisor with Morgan Stanley in Berwyn, PA, holding a Series 66 designation and 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012 and the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Mundy serves on the capital committee of the Aronimink Golf Club and is a member of the Advisory Board at Agnes Irwin School, focusing on issues related to girls' education. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive resources. The firm manages approximately $2.74 trillion in client assets and serves clients through various specialized programs and financial planning strategies.