Lawrence McHugh is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 credentials. He has 11 years of industry experience and has been associated with MML Investors Services LLC and MassMutual Life Insurance Company since 2014. Outside of his advisory roles, McHugh is involved in farm management as a general partner at Titus McHugh Group and provides consulting services to nonprofit organizations through McHugh Advisory Services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers comprehensive financial planning, asset management, and educational seminars, utilizing firm-approved software and structured annual planning relationships.

Scott Donaldson is a CFP® professional with over 33 years of experience in the financial services industry. He has been with The Vanguard Group, Inc. since 1991 and is based in Malvern, PA. Vanguard Advisers provides investment advice through automated and human-supported services for retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to tailor asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Jack Kelly is a financial advisor with Vanguard Advisers based in Malvern, PA. He holds the Series 63 and Series 66 designations and has seven years of industry experience. Prior to joining Vanguard in 2026, he worked at T. Rowe Price for eight years and is also involved with Cross Breeze LLC. Vanguard Advisers offers 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 models and primarily constructs portfolios from Vanguard funds and ETFs, providing a range of customization options and tax-aware features.

Robert Harbison III is a financial advisor at Stifel with 39 years of industry experience. He previously worked at RBC Capital Markets Corporation for 16 years and City National Bank for 2 years. Outside of his advisory role, he manages a rental property in Willowgrove, Pennsylvania. Stifel serves a wide range of clients, including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Kimberlea Close is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has been with The Vanguard Group since 2008 and currently also works as a contracted yoga teacher outside of her advisory role. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs.

Joan Goshow is a CFP®-credentialed financial advisor with 44 years of industry experience. She has been with Wells Fargo Advisors Financial Network LLC since 2009. The firm is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. It offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, supported by proprietary research and tools.

Norma Romero Mitchell is a financial advisor at OSAIC with 37 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Lincoln Financial Advisors Corporation and Woodbury Financial Services. Outside of her advisory role, she consults on institutional wellness plan compliance through Benefits Plus Consulting Inc., a business she has been involved with since 1993. OSAIC serves retail and institutional clients, including individual investors, pension plans, corporations, and charitable organizations, offering services such as brokerage and investment advisory, financial planning, and retirement plan consulting through a large network of advisers and multiple platforms. The firm utilizes various asset-allocation and portfolio construction tools and supports a range of investment vehicles and account management options.

Thomas Kovalic is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at The Vanguard Group since 2022. Prior to that, he was employed at Kraft Sports and Entertainment and has experience in academic and educational settings including Harvard University, Drexel University, Lafayette College, and Central Bucks School District. Vanguard Advisers provides both automated and human-supported investment advice through its digital 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 using proprietary models and offers portfolios built largely from Vanguard funds and ETFs, with options for tax-aware strategies and customization.

Daniel Cacioppo is a financial advisor with Vanguard Advisers based in Malvern, PA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with The Vanguard Group, Inc. since 2014. Outside of his work at Vanguard, he serves as an authorized agent for family members' investment matters. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team servicing model.

Christian Lohmann is a CFP® with 33 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2020. He has been affiliated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 1991. Lohmann also acts as a fiduciary agent for an immediate family member in an investment-related capacity. Vanguard Advisers offers 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 with portfolios primarily constructed from Vanguard funds and ETFs, supported by a large advisor team and digital delivery platform.

Kenneth Poley is a CFP® with over 32 years of industry experience, currently serving at Vanguard Advisers since 1992. He holds Series 63 and Series 65 licenses and is based in Malvern, PA. His other business activities include serving as a limited agent for multiple immediate family members in fiduciary capacities. Vanguard Advisers delivers both 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 approach with proprietary methodologies to tailor asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through a combination of digital platforms and advisor teams.

Douglas Mento is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 14 years of industry experience. He has been with The Vanguard Group since 2005. Outside of his advisory role, he is the owner of 7 Oaks Properties, LLC. 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 primarily from Vanguard funds and ETFs, offering various customization options and serving a large client base through a digital platform combined with advisor support.

Brendan Lyons is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with various Vanguard entities since 2016, including Vanguard Advisers, Inc., Vanguard Marketing Corporation, and The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants through services like Vanguard Digital Advisor and Vanguard Personal Advisor. The firm uses a goal-based, algorithm-driven approach featuring proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs, offering extensive customization and tax-aware features.

Christopher Burcham is a CFP® with 13 years of industry experience, currently serving as an advisor at Vanguard Advisers. His prior experience includes roles at Eagle Strategies and New York Life Insurance & NYLIFE Securities. He maintains a life and health insurance license. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm’s large scale and digital delivery model support a high client-per-advisor ratio and a broad range of customization options.

Sean Mcglinchey is a financial advisor at Vanguard Advisers with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with The Vanguard Group since 2011. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. Their investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized asset allocations largely from Vanguard funds and ETFs.

Zachary Ferentz is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has been with The Vanguard Group, Inc. since 2013. Vanguard Advisers offers 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 employs a goal-based, algorithm-driven investment approach using proprietary models, primarily investing in Vanguard funds and ETFs with various tax-aware and customization features.

Kevin McDermott is a financial advisor with Osaic, holding Series 63 and Series 66 registrations and bringing 36 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and Citadel Federal Credit Union. Outside of advisory work, he is co-owner of Delphi Wealth Management Group LLC and Delphi Tax Management Group LLC, which involves expense management and tax preparation services. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors. The firm provides integrated brokerage and advisory services, leveraging various platforms and asset-allocation tools to manage portfolios that include a range of investment types and third-party solutions.

George Pastino is a CFP® professional with 24 years of industry experience, currently serving at Vanguard Advisers in Malvern, PA. He has been with The Vanguard Group, Inc. since 2004. 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 proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through its digital platform and advisory teams.

Conchita Dixon is a financial advisor at Vanguard Advisers with 25 years of industry experience. She holds the Series 63, Series 65, and Series 66 credentials and has worked previously at TIAA and in various self-employed roles. Outside of financial advising, she is involved in entertainment as a vocalist and actor and manages musical aspects of theater productions through Gocar Productions. 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 set personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Julie Baek is a Series 66-licensed financial advisor with Vanguard Advisers, based in Malvern, PA, with four years of industry experience. Prior to joining Vanguard in 2022, she worked at Comcast Corporation from 2016 to 2021. Outside of her advisory role, she manages an investment property in Philadelphia. Vanguard Advisers provides both 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 various customization options, and is notable for its scale and digital delivery model.