John Scott II is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2021. He previously worked at RE Advisers Corporation for five years. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team servicing model.

Ryan Bell is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has worked at various Vanguard entities since 2022, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Prior to that, he held roles at Bank of America and in academic settings at the University of Delaware and East Stroudsburg University. 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 investment approach with portfolios constructed mainly from Vanguard funds and ETFs, offering scalable digital delivery supported by a large team of advisors.

Thomas Egan is a CFP® professional with 22 years of experience in the financial industry. He has been with Vanguard Advisers since 2019 and has worked within the Vanguard organization since 2007. His credentials also include Series 63 and Series 65 licenses. Vanguard Advisers provides 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 with portfolios primarily composed of Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a digital delivery platform.

Christopher Kwon is a financial advisor with Equitable Advisors in Devon, PA, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has worked at Equitable Advisors since 2016, previously associated with AXA Advisors, LLC from 2016 to 2020. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, delivering solutions primarily through program sponsors and third-party managers.

Max Minnier is a financial advisor with Merrill in Wayne, PA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill and Bank of America, he was a full-time student for four years and operated a landscaping business during high school. He is also the sole owner of a rental property investment in Downingtown, Pennsylvania. 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 a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Schlegel is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Cambridge since 2009 and is also president and owner of Wyomissing Financial Group, an independent insurance agency. In addition, Schlegel is involved in coaching and directing water polo activities in the Pottstown area. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent Financial Professionals, utilizing multiple custody platforms and proprietary as well as third-party investment strategies.

Aditi Dayal is a CFP® with 23 years of industry experience, currently serving at Vanguard Advisers since 2020. She has been associated with The Vanguard Group Inc. and Vanguard Marketing Corporation since 2002. 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 primarily constructed from Vanguard funds and ETFs, combining scale and digital delivery to manage a large client base efficiently.

Kyle Ryan is a CFP® and ChFC® affiliated with LPL Financial, holding securities registration Series 66 and bringing six years of industry experience. He has worked with Menninger & Associates, Cetera Advisor Networks, Voya Financial Advisors, and Primerica. Outside of his advisory roles, he contributes as a subcontractor article editor for LendEDU. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services with access to model portfolios, research, and a range of discretionary and non-discretionary management solutions.

Shane Powers is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Goldman Sachs Ayco Personal Financial Management and various organizations in financial and non-financial capacities. Outside of advisory work, he is a contracted delivery driver for DoorDash. 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 investment approach, employing proprietary models and various customization options, while managing a large client base through a combination of digital platforms and advisor teams.

Ronald Barnes is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and three years of industry experience. His prior roles include positions at Capital Group and Navient. He is currently based in Malvern, PA. Vanguard Advisers offers 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, primarily using Vanguard funds and ETFs, and serves a large client base through a combination of digital platforms and advisory teams.

Robert Fried is a financial advisor at Raymond James Financial with 24 years of industry experience. He has worked with Raymond James Financial since 2009 and with Raymond James Financial Services since 2004. Fried holds the Series 66 designation and operates out of Malvern, PA. Outside of his advisory role, he serves as an independent contractor for Anchor Investment Group LTD. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, corporations, and institutional entities. The firm emphasizes tailored, non-discretionary consulting using advanced analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

David Oscar is a financial advisor with Morgan Stanley in Berwyn, PA, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. He serves as a board member of the Rotary Club of King of Prussia, supporting local nonprofit organizations such as the Lower Merion Scholarship Committee. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to develop financial plans.

Nicholas Del Viscio is a financial advisor at OSAIC with six years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Pacific Life Insurance, Equitable Distributors, and AXA Distributors. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, utilizing proprietary asset-allocation tools and offering access to multiple advisory platforms and third-party managed account solutions.

Benjamin Glenn is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Vanguard Advisers, Glenn worked at The Vanguard Group and Vanguard Marketing Corporation, and he has experience with Bryn Athyn College Theological School, Safeware Inc., and the Academy of the New Church. 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 large client base through its digital platform and team model.

Michael Musial is a CFP® with 21 years of industry experience and has been with The Vanguard Group, Inc. since 2004. He is based in Malvern, PA and holds a Series 63 license. 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 focuses on portfolios constructed mainly from Vanguard funds and ETFs, offering various customization options.

Christopher Mitchell is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at OSAIC since 2018. Prior to that, he worked at Sii from 2016 to 2018. Outside of his advisory role, Mitchell is actively involved in baseball as an independent consultant and a certified MLBPA agent, and he serves as president of the Philadelphia chapter of the Association of Professional Ball Players of America. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk assessment methodologies to construct diversified portfolios across multiple asset classes.

Corey Kreston is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 66 licenses and has been with Vanguard and its affiliates since 2019. His prior work includes positions at 84 Lumber, Citi, the University of Delaware, Penske Automotive, and Blue Chip Sports. 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 asset allocations, primarily constructing portfolios from Vanguard funds and ETFs with various customization options.

Crystal Lawrence is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has been with Vanguard Advisers since 2026 and has involvement with the Jamaican Vybez Sauce Company since 2019. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisory services, serving retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach, primarily employing Vanguard funds and ETFs, with a focus on scalable digital delivery and customized client portfolios.

Brian West is a Series 66 registered financial advisor with Vanguard Advisers, bringing three years of industry experience. He has been with Vanguard Advisers since 2023 and has also held roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2022. Prior to his finance career, he worked at Penn State University and Downingtown STEM Academy. Vanguard Advisers offers a combination of automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses an algorithm-driven, goal-based investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various customization options.

David Wood is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 35 years of industry experience. He previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, he owns SEA BUDDY ENTERPRISES LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research, model portfolios, and various investment strategies.