Robert O'Connor Jr. is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at The Vanguard Group, Inc. since 2017. Prior to that, he was employed in mail services and held other roles at Bloomsburg University. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios primarily composed of Vanguard funds and ETFs, offering customization features including ESG options and tax-aware strategies.

Elama Ali is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to her current role, she worked at Aunt Molly's Discount Beverage and Aston Gardens. 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 a range of clients including individuals, high-net-worth clients, and institutions.

David Dzendzel is a financial advisor at Ameriprise with 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he engages in buying and selling sports trading cards, a hobby he has developed into a more active side business since 2020. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement who meet specific asset thresholds. The firm provides comprehensive advisory, brokerage, and insurance solutions through a centralized retirement-income consulting team that combines research, modeling, and tax-efficiency analysis to deliver tailored recommendations.

John Clark is a financial advisor with Wells Fargo Advisors in Exton, PA, holding Series 63 and Series 65 licenses and 31 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Clark is also a member of the investment committee at Mercy Investment Services and owns Clark & Goshow Financial Strategies Group LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients through a broad range of planning options tailored to clients meeting certain net-worth criteria.

Michael Giangiordano is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and having eight years of industry experience. He has been with Vanguard Advisers since 2020 and is also associated with Vanguard Marketing Corporation and The Vanguard Group since 2017. Prior to joining Vanguard, his background includes roles at Randstad, Aleris, and Carestream Health. 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, offering portfolios constructed mainly from Vanguard funds and ETFs, with various customization and tax-aware features.

Andrew Kaplan is a financial advisor at Raymond James & Associates with 20 years of industry experience. He holds a Series 66 designation and has been with Raymond James in various capacities since 2016. Outside of his advisory role, Kaplan serves as a trustee and successor trustee for a family-related trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Conor Ryan is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has a background spanning multiple roles within The Vanguard Group and its affiliates since 2012, including positions at Vanguard Marketing Corporation and prior engagement with the University of Pennsylvania. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and eligible retirement plan participants, employing a goal-based, algorithm-driven investment approach centered on proprietary methodologies and portfolios primarily composed of Vanguard funds and ETFs.

Thomas Graybill is a CFP® and ChFC® with 34 years of industry experience. He has been with Ameriprise since 2005, currently serving at the Exton, PA office. Outside of his advisory role, he serves on the Board of Directors and as Secretary for the Exton Commons Owners Association. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

Timothy Hewczuk is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at various Vanguard entities since 2016. 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 and manages a large client base through a combination of digital platforms and advisor teams.

Tyler Warihay is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at The Vanguard Group for six years. Tyler is currently based in Exton, PA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it serves multiple registered investment companies and fund-of-funds.

Alexandria Puia is a financial advisor with Vanguard Advisers and holds a Series 66 designation. She has been with Vanguard since 2025 and has prior experience at Wells Fargo and EPAM. Outside of her advisory work, she has worked as a babysitter since 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 to portfolio construction, utilizing Vanguard funds and ETFs along with tax-aware features and customization options.

Josie Chen is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Bank of America, N.A. since 2016, including her current role at Merrill starting in 2019. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party management teams.

Dennis Lam is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and five years of industry experience. His prior work includes roles at Men’s Wearhouse and Brooks Brothers. He is currently a sales associate at Brooks Brothers outside of his advisory work. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans through its digital and personal advisor services. The firm employs a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, serving a large client base with a high client-per-advisor ratio.

John Braun is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and five years of industry experience. He is the owner of Performist Athletics, an e-commerce business specializing in clothing design. 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 proprietary methodologies to set personalized asset allocations, managing portfolios mainly through Vanguard funds and ETFs.

Thomas Wagner is a financial advisor at OSAIC with one year of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes positions at JPMorgan Chase Bank, J.P. Morgan Securities, PNC, and ALDI Inc., as well as operating Simply Bold Cafe. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through a large network of advisers, employing a variety of asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Roger Kent serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1994, bringing his extensive experience to multiple generations of clients nationwide. Before joining Merrill, he worked for four years at J.P. Morgan in its Private Banking Group. Roger provides comprehensive financial planning tailored to individual client needs, addressing retirement, wealth transfer, college savings, business succession, tax minimization, and liability management. He emphasizes establishing a strong financial foundation before examining investments, focusing on preparing clients for both likely and unlikely scenarios. His client base includes physicians, small business owners, retired couples, divorcees, and widows. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Roger earned a Bachelor's Degree in Business Administration with a concentration in Finance from Villanova University. He serves as a board member of the Villanova Blue White Scholarship Foundation and is actively involved in his community as a CYO Basketball Coach and president of Save Unborn Life. Born in Louisville, he resides in Chester Springs with his wife Melissa and their three children. Outside of work, Roger enjoys long distance running, playing basketball, and spending time with his family.

Matthew Seman is a financial advisor with Vanguard Advisers based in Malvern, PA. He holds a Series 66 designation and has three years of industry experience. His prior roles include work with United Way of Erie County and Pennsylvania State University, as well as entrepreneurial activity with Rizer Fireworks. 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 methodologies and predominantly Vanguard funds, offering a range of customization options and managing a large client base through a combined digital and advisory platform.

Derrick Arnold is a CFP® with nine years of industry experience, currently serving at Osaic Wealth, Inc. since 2023. His prior roles include positions at Royal Alliance Associates, Citizens Securities, CUSO Financial Services, and Citadel FCU. In addition to his advisory work, Arnold is involved with Bala Financial Group, marketing various insurance products, and assists with tax preparation and client scheduling at Phoenix Tax Consultants. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party money managers to construct diversified portfolios tailored to client needs.

Keith Ford is a financial advisor with Morgan Stanley in Berwyn, PA, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney and Citigroup Global Markets since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Margaret D'agostino is a financial advisor at Merrill with 18 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2004. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.