Robert Langis is a CFP® with 22 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2003. He holds the Series 63 designation and is based in Malvern, PA. Langis has spent his entire career with The Vanguard Group, Inc. 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 primarily constructs portfolios with Vanguard funds and ETFs.

Justin Gower is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and having 22 years of industry experience. He has been with Vanguard and its related entities since 1999. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. 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 with a high client-per-advisor ratio.

Larry Griffin is a financial advisor at Vanguard Advisers with 37 years of industry experience. His prior roles include positions at Valic Financial Advisors, Happy State Bank, and Arvest Wealth Management. He holds the Series 63 and Series 65 licenses. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs, offering tax-aware features and customization options.

Albert Kim is a CFP® and Series 66 credentialed financial advisor with 19 years of industry experience. He has worked at The Vanguard Group, Inc. since 2017, following prior roles at Lincoln Investment and Legend Advisory Corporation. He is based in Malvern, PA. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models to personalize asset allocations, and it manages a large client base through a combination of digital platforms and advisor teams.

Rachel Smoot is a CFP® with 11 years of experience in the financial industry. She has worked at Vanguard Advisers since 2020 and previously held positions at Econ Wealth Management, Gray Shannahan, and Northwestern Mutual Investment Management. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm combines algorithm-driven, goal-based strategies with portfolios constructed primarily from Vanguard funds and ETFs, offering a range of customization options and serving a large client base through its digital delivery model.

Francis Capriotti is a CFP® with 21 years of industry experience, currently affiliated with OSAIC since 2025. His prior roles include positions at Lincoln Financial Advisors Corporation and Citadel Federal Credit Union. He also serves as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, long-term care insurance, and traditional fixed life insurance. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a broad network of affiliated advisers and multiple platforms. The firm employs various asset-allocation tools and third-party managed-account solutions to construct portfolios across a wide range of investment types.

Eric Anderson is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with The Vanguard Group since 2006. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to portfolio construction, employing proprietary methodologies and largely utilizing Vanguard funds and ETFs.

Gregory Houp is a CFP® with 29 years of industry experience and has been with Vanguard Advisers since 1996. He holds Series 63 and Series 66 licenses and is based in Malvern, PA. He has spent his entire career at The Vanguard Group, INC. 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, managing portfolios largely with Vanguard funds and ETFs, and serves a large client base through its digital platform and team servicing model.

Robert Ritter is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and five years of industry experience. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as prior experience in non-financial roles. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm uses a goal-based, algorithm-driven investment approach primarily featuring Vanguard funds and ETFs, offering tax-aware features and customization options across a range of portfolio solutions.

Jacob Oeschger is a financial advisor with Vanguard Advisers in Malvern, PA. He holds Series 63 and Series 66 licenses and has nine years of industry experience. Prior to joining Vanguard in 2017, he worked at Citizens Bank from 2014 to 2017. Outside of his advisory role, he serves as a limited agent managing investments for immediate family members. 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 utilizing Vanguard funds and ETFs.

Melissa Einberg is a CFP® professional with 12 years of industry experience, currently serving at Vanguard Advisers. Her prior experience includes roles at Buckingham Asset Management and Bloomingdales. She is based in Malvern, PA. 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 to construct portfolios primarily from Vanguard funds and ETFs, offering tax-aware features and a range of customization options.

Emily Lanning is a financial advisor at Edward Jones with 15 years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2001. Outside of her advisory role, she works part-time in customer service for KT Communications Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

Ryan Lynch is a financial advisor at Vanguard Advisers with one year of industry experience. He holds Series 63 and Series 66 licenses and has worked at several Vanguard affiliates since 2025. Prior to joining Vanguard, he was employed by Equitable Advisors and has experience working and studying at Elon University. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily composed of Vanguard funds and ETFs, providing extensive customization and tax-aware strategies.

Brett Conway is a financial advisor at Equitable Advisors with five years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2020. Prior to his advisory role, he held positions at Penn State University, Tommy Bahama, and Spring-Ford Country Club. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to tailor services based on client goals, risk tolerance, and time horizon.

Shawn Gill is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and with 12 years of industry experience. He has worked at The Vanguard Group, Inc. since 2013. 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 using proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs.

David Federico is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 65 licenses. In addition to his advisory role, he serves as a Sergeant First Class and Operations Supervisor in the U.S. Army Reserve. 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 that incorporates proprietary models and customizable portfolio options.

Patrick Flynn is a financial advisor at Vanguard Advisers with four years of industry experience. He holds a Series 66 designation and has worked at The Vanguard Group since 2019, following previous roles at TD Bank and Northwestern Mutual. Flynn also has experience with the Rocky Run YMCA. Vanguard Advisers provides automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, primarily serving 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, offering tax-aware features and customizable options.

Patrick Broderick is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Prudential Annuities Distributors, Prudential Insurance Company of America, Saint Joseph's University, and Lincoln Financial Distributors. 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 built from Vanguard funds and ETFs, offering a high degree of customization and tax-aware features.

Ryan Brumfield is a financial advisor at Edward Jones with six years of industry experience. He previously worked at LPL Financial and Brinker Capital before joining Edward Jones in 2023. Brumfield holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of advisors and branch offices across the United States.

Mark Dobroskey is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and having 12 years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2017. Prior to that, he worked at Good Life Advisors, LLC and LPL Financial. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning on topics such as retirement, taxes, estate, and special needs. The firm combines goal-based analyses with managed-account programs but does not provide discretionary portfolio management for institutional clients.