Robert Whitlock is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 registrations and 16 years of industry experience. He has been with Vanguard Advisers since 2020 and affiliated with The Vanguard Group and Vanguard Marketing Corporation since 2011. Whitlock serves as a limited agent in a fiduciary capacity for immediate family members. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. Its investment approach is goal-based and algorithm-driven, utilizing proprietary models and predominantly Vanguard funds and ETFs.

John Procak is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and having 11 years of industry experience. He has been with The Vanguard Group since 2017 and previously worked at Randstad. Outside of finance, he has served as a PIAA basketball referee since 2008. Vanguard Advisers provides 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 approach using proprietary methodologies and offers a broad range of portfolio customization options primarily using Vanguard funds and ETFs.

Matthew Smith is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has been with The Vanguard Group, Inc. since 2011. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach with portfolios largely composed of Vanguard funds and ETFs, supported by a large advisory team and digital platform.

Alfred Amato III is a Series 66-licensed financial advisor with five years of experience, currently with Vanguard Advisers. He has worked at various Vanguard entities since 2021 and has additional experience at firms including Randstad and Northwestern Mutual. Outside of advising, he operates an eBay sales business. 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 and portfolios primarily constructed from Vanguard funds and ETFs. The firm serves hundreds of thousands of clients through a large advisor team and emphasizes digital delivery alongside personalized asset allocation strategies.

Sean Molloy 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 firms, including Randstad and Creative Capital Wealth Management Group. He is also affiliated with West Chester University of Pennsylvania. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Matthew Hildebrand is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at The Vanguard Group since 2005 and has been self-employed since 2017, providing career coaching as an independent contractor outside of his advisory role. 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 and portfolios constructed mainly from Vanguard funds and ETFs. The firm serves a large client base with a digital delivery model and emphasizes personalized asset allocations across various savings goals.

Jon Engleman is a CFP® professional with 17 years of industry experience. He has been with Vanguard Advisers since 2011 and also holds roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. Engleman is based in Malvern, PA. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach to construct portfolios mostly from Vanguard funds and ETFs, supported by a large advisor team managing a high volume of client relationships.

Vikas Kwatra is a financial advisor with Vanguard Advisers, holding a Series 66 designation and seven years of industry experience. Before joining Vanguard, he worked at Union Bank of Switzerland and Novartis Pharmaceutical. He is also the owner of a general contracting business outside the financial industry. Vanguard Advisers delivers automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving 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, emphasizing scale and digital delivery.

Justin Higgins is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds a Series 66 designation and has been with The Vanguard Group since 2017. Prior to Vanguard, he worked at Your Pie and Clemson University. Vanguard Advisers offers 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 to asset allocation, primarily using Vanguard funds and ETFs, and manages a large client base through its digital platform and team servicing model.

Matthew Beers is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with Vanguard entities since 2015, including roles at Vanguard Advisers and Vanguard Marketing Corporation. Outside of his professional duties, he serves as a trustee and power of attorney for immediate family members. 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 investment approach using proprietary models to create personalized portfolios predominantly composed of Vanguard funds and ETFs.

Julia Lynch is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and 13 years of industry experience. She has been with The Vanguard Group, Inc. since 2012 and previously worked at Ann Taylor Loft from 2016 to 2017. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm manages a high volume of client relationships through a combination of digital platforms and advisor teams.

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.

Tyler Kreger is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at First Citizens Community Bank and Bankers Life and Casualty. Kreger’s background also includes work outside of finance, with early experience at Marcon Roofing and involvement in education through the Bellefonte Area School District. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and access to model portfolios and third-party research, supporting both discretionary and non-discretionary management strategies.

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.