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 with Vanguard Advisers in Malvern, PA, holding Series 66 and Series 63 licenses and four years of industry experience. She has worked at The Vanguard Group, Inc. since 2022 and previously held various roles including positions at Temple University and in retail. Vanguard Advisers offers 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 composed of Vanguard funds and ETFs, emphasizing digital delivery and scalable client servicing.

Michael Williams is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. He has been with LPL Financial since 1997. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from internal and third-party sources.

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 credentials and bringing 30 years of industry experience. His prior work includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of his advisory work, he owns and operates a farming business named Moffitt Apples. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management with support from LPL Research and third-party subadvisors.

Sharon Huang Zhang is a financial advisor with Vanguard Advisers holding Series 66 and Series 63 licenses and four years of industry experience. She has worked at various Vanguard entities since 2021 and also serves as a front desk agent at Home2 Suites By Hilton Convention Center. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and a range of customization options. The firm is notable for its scale and digital delivery, managing a large client base with an automated platform supported by a team of advisors.

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.

Daniel Pederson is a financial advisor at Fisher Investments with eight years of industry experience. He holds a Series 65 credential and has worked at Fisher Investments since 2018, following a prior role at PederSon Financial Consulting. Fisher Investments serves a global client base including institutional and private clients such as pension and profit-sharing plans, foundations, and high-net-worth individuals. The firm employs a centralized Investment Policy Committee to manage discretionary portfolios using a combination of quantitative and qualitative research, tax-aware processes, and risk management strategies.

Joseph Cecco is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and possessing 11 years of industry experience. His prior work includes seven years with Wells Fargo Clearing. Outside of advising, he is a commissioned notary public. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary consulting supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

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.

Nicholas Quintiliani is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. He has been with The Vanguard Group since 2015 and has engaged in self-employment activities throughout his career. Outside of finance, he works as a performing musician and has provided delivery services as a contracted driver. 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 approach to asset allocation, utilizing Vanguard funds and ETFs along with tax-aware portfolio features and customization options.

Corey Goldiner is a financial advisor at Fidelity with 13 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Fidelity, he worked at The Vanguard Group from 2016 to 2024. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of investment products including model portfolios delivered to intermediary platforms.

Joseph Haney is a CFP® with 18 years of experience in the financial industry. He has been with The Vanguard Group, Inc. since 2011 and is currently associated with Vanguard Advisers. 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 with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large team of advisors and a digital delivery platform.

Jared Stanley is a CFP® with 17 years of industry experience, currently advising at Cetera. His prior roles include positions at Citadel Federal Credit Union, Cuso Financial Services, LP, and The Vanguard Group, INC. Outside of his advisory work, he is involved in coaching youth sports. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and program structures, supporting over 10,000 advisors and managing more than $256 billion in assets.

Hilary Hayes is a financial advisor with Vanguard Advisers, holding a Series 66 designation and three years of industry experience. She has been with Vanguard and its affiliated entities since 2022. Outside of her advisory role, Hilary owns and manages a restaurant business, overseeing payroll, tax filings, bookkeeping, and general management. 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 investment approach utilizing proprietary models, with portfolios primarily composed of Vanguard funds and ETFs and a range of customization options.

Matthew Harter is a financial advisor at Vanguard Advisers with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at LPL Financial, Private Advisor Group, and Radnor Financial Advisors. Outside of financial services, he was involved with Backyard Beans Coffee Company. Vanguard Advisers provides 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 proprietary methodologies and constructs portfolios primarily from Vanguard funds and ETFs.

Madeline Huis is a financial advisor with Merrill in Exton, PA, holding a Series 66 designation and two years of industry experience. Her prior work includes roles at West Chester Animal Hospital, SoundHorse, Woodstock Eventing, and WR Sporthorses. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Rueter is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses with two years of industry experience. Prior to Vanguard, he worked at Equitable Advisors and has experience in retail sales through his involvement with Rueter's Christmas Trees. Outside of finance, he has operated small businesses providing lawn maintenance and golf caddie services. Vanguard Advisers serves retail investors and eligible retirement plan participants through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach focused on personalized asset allocations, primarily using Vanguard funds and ETFs, and manages a high volume of client relationships through its digital platform and team servicing model.