Evan Walker is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Vanguard, he worked at Infinia Search, Inc. and Wills and Bills among other firms. 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 set personalized asset allocations, with portfolios constructed mainly from Vanguard funds and ETFs.

Emil Barretta is a financial advisor at Fidelity with Series 66 and Series 63 credentials and four years of industry experience. His prior roles include positions at The Vanguard Group and earlier work in various industries including the military as a US Army Reserve member. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Carleigh Conners is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. Her prior work includes roles at The Vanguard Group, Inc., Vanguard Marketing Corporation, and Versed Experts, as well as teaching positions at Shippensburg University and James Madison University. She is also involved with Limitless Philly. 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 with portfolios largely constructed from Vanguard funds and ETFs. The firm serves a broad client base through digital delivery and a large network of advisors.

William Guinan Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and nine years of industry experience. He has worked at The Vanguard Group since 2018 and previously held roles at Randstad and Health Advocate. 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 composed of Vanguard funds and ETFs, offering extensive customization and tax-aware strategies.

David Layo is a CFP® with 27 years of experience in the financial services industry. He is currently affiliated with OSAIC and has prior experience at Lincoln Financial Advisors Corporation and Citadel Federal Credit Union. Outside of his advisory role, he is a co-owner and financial planner at Capital Wealth Management Group, LLC, where he focuses on client financial planning. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, using proprietary asset-allocation tools and third-party platforms to construct and manage portfolios across a range of asset classes.

Nancy Rainer Wallace is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in their Wayne, Pennsylvania office. She joined Merrill Lynch in January 2011 and has been a Wealth Management Advisor since 1982. Prior to her current role, Nancy held senior financial advisory positions at Morgan Stanley and UBS Financial Services. She specializes in delivering comprehensive financial advisory and wealth management solutions tailored to individuals, families, and businesses, considering factors such as risk tolerance, time horizon, liquidity needs, and investment goals. Nancy's expertise includes equity and fixed income portfolio management, retirement planning, annuities, pension and profit sharing services, life insurance, and asset allocation frameworks. She is also licensed in National Commodities Futures and holds FINRA registrations Series 3, 7, 63, and 65. Her professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She attended Harriton High School, the University of Hartford, and the University of Miami. Nancy is involved with philanthropic organizations including The Ladies Committee for the Devon Horse Show and the Brandywine Conservancy for the Radnor Hunt Club, and she has served on the women’s board of the Philadelphia American Cancer Society. Nancy and her husband Jim formed the Wallace Rainer Group business partnership in 1995, and they reside in Devon, Pennsylvania with their two daughters. Her personal interests include baseball, billiards, boating, football, golfing, reading, spending time with family, and traveling.

Douglas Hepburn is a CFP® professional with 29 years of industry experience, currently with Cetera, where he has worked since 2013. He is president of Financial Workshops LLC, a financial education business, and founder and executive director of Lower Providence Jr Trap, a youth sports team organization. He also serves as an estate executor and holds a role as an insurance agent. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Anthony Desante Jr. is a CFP® professional with 32 years of experience in the financial industry. He has been with Vanguard Advisers since 2014 and has worked at The VANGUARD GROUP, INC. and Vanguard Marketing Corporation since 1993. 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. The firm manages a large client base through a combination of digital platforms and advisor teams and constructs portfolios primarily using Vanguard funds and ETFs with various tax-aware and customization features.

Matthew Callaghan is a CFA® charterholder with 14 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2011. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Andrew Aramany is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2005 and brings over two decades of experience in the financial services industry, including prior positions at the Vanguard Group and Lincoln Financial Group. Andrew holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), CHARTERED FINANCIAL CONSULTANT (ChFC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Andrew earned a bachelor’s degree from the University of Delaware and a master’s degree from Villanova University. At the University of Delaware, he was awarded an Athletic Letter Award for football. He works closely with clients to develop investment strategies tailored to their financial goals and risk tolerance, focusing on areas such as college education planning, liquidity management, managing new wealth, personal retirement planning, and women and wealth. In addition to his advisory role, Andrew teaches investment-related courses at the Life Long Learning Institute at Immaculata University and Chester County Night School. Andrew resides in Downingtown, Pennsylvania, with his wife and three children. His personal interests include biking, football, golfing, racquetball, running, scuba diving, and tennis.

Stephen Graham Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. He has been with The Vanguard Group since 2006. Vanguard Advisers offers automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, primarily serving retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create personalized portfolios, largely constructed from Vanguard funds and ETFs, with various tax-aware and customization features.

Holly Wilrigs is a Series 66-licensed financial advisor with Vanguard Advisers, bringing four years of industry experience. Her prior work includes roles at Vanscoy Maurer & Bash Diamond Jewelers and Bankers Life Insurance Company. Vanguard Advisers offers 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 largely composed of Vanguard funds and ETFs, combining scale with digital delivery to serve a broad client base.

Ryan Ashcroft is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015, as well as Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and offers financial planning and investment services utilizing structured planning tools and firm-approved methodologies.

Benjamin Davis is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and having two years of industry experience. His prior experience includes roles at Delphi Wealth Management Group and The Vanguard Group. Outside of his advisory work, he operates e-commerce businesses selling items on platforms such as Mercari, eBay, and Facebook Marketplace. 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 constructed mainly from Vanguard funds and ETFs, offering various customization options and serving a large client base through a combination of digital platforms and advisor teams.

Brooke Wooding is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2017. Prior to that, she spent a year at Liberty University and has been associated with Wells Fargo Bank, N.A. since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with options for both non-discretionary and discretionary plan management, including unique offerings like insurance-related vehicles and bank deposit sweep programs.

Christine Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning her career in financial services in 1999, she has focused on assisting clients through a holistic, formula-based approach to accumulating, managing, and preserving wealth. Christine works closely with individuals, families, and businesses, providing integrated wealth management and planning services based on a comprehensive understanding of each client’s financial situation and priorities. With over two decades of experience, Christine’s expertise includes retirement planning, business transition strategies, college education planning, legacy planning, and socially responsible investing. She holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christine also completed a Non-Accredited Certificate Program at Taylor University. She is active in professional and community organizations such as the Southern Chester County Chamber of Commerce and Believers In Business, where she serves on committees and the board. Christine is committed to providing objective advice and personalized service, emphasizing integrity and attention to detail. She views financial advising as a process that requires adaptability to life changes and aims to empower clients to take control of their financial lives. Living in Chester County, she participates in local community activities and enjoys cooking, gardening, golfing, horseback riding, and photography.

Erica Baczkowski is a CFP® professional with 12 years of experience currently serving at Vanguard Advisers. She has held roles at FocusT Pointe Global since 2016 and has been affiliated with multiple Vanguard entities since 2014. Outside of her advisory work, she participates in focus groups through Focus Ponte Global. 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 asset allocation, using proprietary models and primarily Vanguard funds and ETFs to construct portfolios with various customization options.

Tina Cifferello is a Series 66-licensed financial advisor at Merrill with nine years of industry experience. She has been with Merrill since 2016, with brief tenure at Bank of America, N.A. prior to her current role. 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.

Matthew Morrissey is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior roles include positions at PNC Investments and PNC Bank. Morrissey has been with Vanguard Advisers and affiliated Vanguard entities since 2018. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary methodologies and largely Vanguard funds and ETFs to create personalized portfolios.

Thomas Jones is a financial advisor at Vanguard Advisers in Malvern, PA, holding Series 66 and Series 63 designations with four years of industry experience. He has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. for five years and spent ten years at Bryn Mawr Trust Company prior to joining Vanguard Advisers. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and constructs portfolios mainly from Vanguard funds and ETFs with tax-aware and customization features.