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, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at LPL Financial since 2016 and previously spent a year with Tfs Securities Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, corporations, and nonprofits, through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from both in-house and third-party sources.

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.

Kelly Zanto is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 19 years of industry experience. Prior to joining Vanguard in 2025, Kelly worked at TriNet for over two decades. She maintains an insurance license but does not currently engage in any related activities. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans, offering both digital and human-supported investment advice. The firm uses a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, emphasizing customization and tax-aware strategies.

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 Certified Financial Planner (CFP®) with 18 years of industry experience, currently working at Vanguard Advisers since 2007. He is based in Malvern, PA, and holds the Series 63 designation. Vanguard Advisers provides 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 uses a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, offering various customization options and tax-aware features.

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 with over 25 years of experience. He specializes in portfolio construction, investment research, and creating customized financial and income strategies for clients who are seeking retirement or currently retired. In 2022, he earned the internal title of Senior Vice President and Senior Portfolio Advisor. Ronald holds several professional designations including Chartered Retirement Planning Counselor (CRPC), Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has a Bachelor's Degree from Millersville University of Pennsylvania and completed an Accredited Certificate Program at Harvard University. Ronald is fluent in English and Spanish. His focus areas include college education planning, divorce transition planning, family wealth management, legacy planning, liquidity management, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategies, and retirement income planning. Ronald is actively engaged in his community, serving as a soccer coach at Coatesville Area Senior High School and volunteering with organizations such as Cradles to Crayons and East Brandywine Youth Athletics. He resides in Coatesville, Pennsylvania with his wife, two children, and two dogs. Outside of work, he enjoys baseball, cooking, football, golfing, music, skiing, soccer, softball, and woodworking.

Nicholas Amalfitano is a financial advisor at Raymond James Financial with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked with multiple firms including Raymond James Financial Services Advisors, Inc. and Pacer Financial, Inc. Outside of finance, he has prior experience at Don Kelley Auto Center. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers specialized programs for small businesses and serves municipal clients, integrating public finance capabilities with tailored, non-discretionary advisory services.

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.

Anthony Dilello is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with The Vanguard Group since 1996. Outside of his advisory work, he is also engaged in stock photography as a self-employed photographer and works part-time as a freight handler for FedEx. Vanguard Advisers delivers 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 and offers a broad range of customization options, managing a high volume of client relationships through its extensive advisor team and digital platform.