John Pulcinella is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2016 and has also been self-employed since 2019. Outside of his financial advisory work, John is involved in acting. Vanguard Advisers provides automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving 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 with various customization options.

Jimmy To is a financial advisor at Vanguard Advisers with eight years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Citizens Securities, TD Private Client Wealth, TD Bank, and HSBC. Vanguard Advisers delivers 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 featuring proprietary models and primarily Vanguard funds and ETFs, serving a large client base through a digital platform supported by a team of over 2,200 advisors.

Michael Logan is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 18 years of industry experience. Prior to joining Raymond James in 2022, he worked for Warren Financial Service for 14 years. Outside of his advisory role, he assists clients with tax preparation by helping input income and deduction data into tax software. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm delivers tailored, non-discretionary planning and consulting using fact-finding and modeling tools, and supports client implementation through its advisory programs or other providers.

Joseph Marcelli is a CFP® with four years of industry experience, currently serving as a financial advisor at Vanguard Advisers. Prior to joining Vanguard, he worked for six years at The Glenmede Trust Company, N.A. He is involved in fundraising for the High Fives Foundation, a nonprofit organization. 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 portfolios largely composed of Vanguard funds and ETFs, offering a range of customization options.

Kristy Douglas is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. She previously worked at Avantax Advisory Services and 1st Global Advisors before joining Cetera. Outside of her advisory role, she serves on the financial advisory committee for the Goshen Fire Company and owns a CPA firm providing tax and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts across multiple program structures.

Michael Paternostro is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior roles include positions at Prudential, LPL Enterprise, and multiple Vanguard entities. Outside of advisory work, he is a mortgage loan originator with Vanguard Lending LLC, focusing on residential loan origination. Vanguard Advisers provides automated and human-supported investment advice for retail investors and employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates personalized asset allocations and tax-aware strategies. The firm manages a large number of client relationships with a digital delivery model supported by over 2,400 advisors.

Stephens Morillo is a financial advisor with Vanguard Advisers, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., where he has been employed since 2017, along with prior experience at Mid Atlantic Resource Group and Financial Planning Academy. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios, largely constructed from Vanguard funds and ETFs, with a focus on scalability and digital delivery.

Eli Cohen is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His prior roles include positions at Fisher Investments and PNC Wealth Management. He is based in Malvern, PA. Vanguard Advisers provides automated and human-supported investment advice for retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to create diversified portfolios primarily composed of Vanguard funds and ETFs.

Brian Schaub is a CFP® with 27 years of industry experience. He has been with The Vanguard Group Inc. since 2002. He holds a Series 63 designation and 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 create personalized asset allocations and manages a large client base through its digital platform and team servicing model.

Charles Tilkens Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and five years of industry experience. He previously worked at The Vanguard Group, Inc. and Citadel Credit Union. Outside of his advisory role, he operates e-commerce businesses selling items on eBay and collectibles on Mercari. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors, offering a range of portfolio management and financial planning services across multiple program structures and investment strategies.

Margaret Anderson is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and four years of industry experience. She has been with The Vanguard Group, Inc. since 2022 and previously held positions at Temple University and in the retail sector. 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 management, primarily using Vanguard funds and ETFs, and offers a range of customization options including tax-aware strategies and ESG considerations.

Michael Williams is a financial advisor with LPL Financial in Exton, PA, holding a Series 63 designation and 40 years of industry experience. He has been with LPL Financial since 1997. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Patrick Farren serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2011. He has been with Fidelity since 2008, previously working as an Account Executive and Investment Representative. Prior to joining Fidelity, Patrick gained experience at The Vanguard Group from 2002 to 2008, where he held various positions including Financial Planner and Paraplanner. Throughout his career, Patrick has focused on helping clients and their families grow, protect, and distribute their wealth in alignment with their unique financial goals. He holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional work, Patrick enjoys spending time with his family and participating in golf and tennis.

Jason Kinney is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 2015. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized asset allocations, predominantly featuring Vanguard funds and ETFs.

Charles Moffitt III is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has previously worked at Wells Fargo Clearing and Morgan Stanley. Outside of his advisory role, he operates a small farming business, Moffitt Apples. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Sharon Huang Zhang is a financial advisor at Vanguard Advisers with four years of industry experience. She holds Series 63 and Series 66 licenses. Outside of her advisory role, she has worked as a front desk agent at Home2 Suites By Hilton Convention Center since 2021. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm applies a goal-based, algorithm-driven approach using proprietary methodologies and constructs portfolios mainly from Vanguard funds and ETFs, supported by digital delivery at scale.

Mark Christman is a CFP® with 14 years of industry experience and has been with The Vanguard Group, Inc. since 2009. He is based in Malvern, PA, and holds a Series 63 license. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages a large number of client relationships through its digital platform and extensive advisory team.

Joseph Cecco is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 11 years of industry experience. Before joining Raymond James, he worked seven years at Wells Fargo Clearing. Outside of his advisory role, he is a commissioned notary. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses a tailored, non-discretionary approach with analytical tools to support client goals and offers specialized advisory programs such as municipal and SIMPLE IRA employer consulting services.

Jennifer Staudenmayer is a CFP® with 12 years of experience in the financial services industry, all of which she has spent at Edward Jones. She holds the Series 66 designation and is based in Limerick, PA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Mc Nally is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked at The Vanguard Group, Inc. since 2016 and previously was associated with the Philadelphia Cricket Club. 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 with portfolios constructed mainly from Vanguard funds and ETFs, combining scale with digital delivery to serve a large client base efficiently.