John Scarduzio is a financial advisor at Stifel with 12 years of industry experience. He holds the Series 66 designation and previously worked at RBC Capital Markets from 2012 to 2024. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Christopher Mitchell is a CFP® professional with nine years of industry experience. He has been with The Vanguard Group, Inc. since 2016, currently serving at Vanguard Advisers in Malvern, PA. Vanguard Advisers offers automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs, providing tax-aware and customizable investment solutions.

Gage Wellington is a financial advisor with Vanguard Advisers, holding a Series 66 designation and two years of industry experience. He has worked at several firms including Ameritas Advisory Services and Equitable Advisors prior to joining Vanguard. Wellington has also held teaching positions at Montgomery County Community College and Penn State University. Vanguard Advisers provides investment advice through automated and human-supported services for retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios, primarily invested in Vanguard funds and ETFs.

Peter Dluoik Jr. is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors for three years. Outside of financial services, he was involved with Workhorse Brewing Company and operated a construction business earlier in his career. 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 portfolios largely composed of Vanguard funds and ETFs, offering various customization options and tax-aware features.

Michael Gathers Le Mar is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and five years of industry experience. His work history includes roles at The Vanguard Group, Inc., J.P. Morgan Securities LLC, and JPMorgan Chase Bank, N.A. He is also self-employed, contracting with DoorDash in a retail/service capacity. Vanguard Advisers provides 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 constructed primarily from Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing a large client base with over 2,200 advisors.

Paul Murphy is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and 12 years of industry experience. His career includes roles at Morgan Stanley and multiple positions within The Vanguard Group. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and constructs portfolios mainly from Vanguard funds and ETFs, offering various customization options and tax-aware features.

Mark Schatzel is a financial advisor with LPL Financial in West Chester, PA. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. Prior to joining LPL Financial in 2016, he worked at Tfs Securities Inc for one year. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Joseph Lettko is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. He has worked at Vanguard Marketing Corporation and The Vanguard Group since 2022. In addition to his advisory role, Lettko serves as an aircraft mechanic with the D.C. Air National Guard. Vanguard Advisers provides 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 investment approach featuring proprietary methodologies and primarily Vanguard funds and ETFs, managing a large client base through a digital platform supported by over 2,200 advisors.

Andrew Curran is a financial advisor at Vanguard Advisers with four years of industry experience. He holds a Series 66 designation and has been with The Vanguard Group and Vanguard Marketing Corporation since 2022. His prior work includes positions at Randstad, Prague University of Economics and Business, and Virginia Tech, among others. 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 in its portfolios.

Dina Caggiula is a financial advisor at Vanguard Advisers with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Vanguard Advisers since 2019. Prior to this, she has worked with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2011. 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 investment approach and constructs portfolios primarily from Vanguard funds and ETFs, emphasizing scale and digital delivery through its extensive platform and team servicing model.

Patrick Weber is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at multiple Vanguard entities since 2022, as well as prior roles at Brooks Group and West Chester University. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily invests in Vanguard funds and ETFs.

David Freiman is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. His career includes roles at Wells Fargo Bank and PNC Investments, and he currently directs chess tournaments for organizations including Shining Knights Chess and the Free Library of Philadelphia. He also works part-time in hospitality with Marriott International. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models to set personalized asset allocations, primarily investing in Vanguard funds and ETFs.

Joseph Johnston IV is a financial advisor with Vanguard Advisers, holding a Series 66 designation and eight years of industry experience. His career includes roles at Merrill Lynch and Vanguard-related entities since 2018. Johnston also has an academic background from Temple University. Vanguard Advisers provides 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 composed of Vanguard funds and ETFs. The firm manages a large client base through a digital platform supported by a team of over 2,200 advisors.

Vahan Teberian is a CFP® with 19 years of experience, currently serving with Vanguard Advisers. He has been with The Vanguard Group Inc. and its related entity, Vanguard Marketing Corporation, since 2007. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and eligible employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, using proprietary methodologies to set personalized asset allocations predominantly composed of Vanguard funds and ETFs.

Andrew Carlin is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 designation and has previously worked at Bloomberg Industry Group and Cision. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models, constructing portfolios mostly from Vanguard funds and ETFs, and provides services at scale through a combination of digital platforms and advisor teams.

Mark Yakupcin is a CFP® with 26 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2014. He has been with The Vanguard Group and its affiliated entities since 2000. Outside of his advisory role, he acts as a durable power of attorney for his mother. Vanguard Advisers offers automated and human-supported investment advice to 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, providing a range of customization options and services for both individual and institutional clients.

Ronald Kummerer Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been dedicated to advising clients for over 25 years. His role involves portfolio construction, investment research, and developing customized financial and income strategies tailored for individuals planning for retirement or currently retired. He addresses key client concerns including retirement sustainability, cash flow sources, alternative investments, Social Security timing, pension options, and tax strategies. He holds several professional designations: Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ronald earned an Accredited Certificate from Harvard University and holds a Bachelor's Degree from Millersville University of Pennsylvania. He is fluent in both English and Spanish. Residing in Coatesville, Pennsylvania with his wife and two children, Ronald actively engages in his community. He coaches soccer at Coatesville Area Senior High School and volunteers with organizations such as Cradles to Crayons and East Brandywine Youth Athletics. In his personal time, he participates in sports including soccer, golf, softball, and wake surfing and is an avid fan of Philadelphia sports teams.

Nicholas Amalfitano is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His prior roles include positions at Pacer Financial, Inc., Key Investment Services LLC, KeyBank, and extended experience at Don Kelley Auto Center. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals to institutional clients. The firm offers tailored, non-discretionary consulting using analytical tools and supports client implementation through its advisory programs and external providers.

Massandje Williams is a CFA® charterholder with 12 years of industry experience, currently serving as an advisor at Vanguard Advisers in Malvern, PA. He has been with The Vanguard Group, Inc. since 2016. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs, offering various customization options and tax-aware features.

David Hutcheson is a financial advisor at Vanguard Advisers with 29 years of industry experience. He holds the ChFC® designation and Series 63 license. Hutcheson has been with The Vanguard Group since 1996. 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 to create personalized portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through its digital and team servicing model.