Robert Castillo Espinal is a financial advisor with Vanguard Advisers, holding a Series 66 designation and seven years of industry experience. Prior to joining Vanguard, he worked at Merrill Lynch for one year and has held several roles in education boards and institutions. He is based in Malvern, PA. Vanguard Advisers offers 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 with portfolios constructed mainly from Vanguard funds and ETFs.

Satyam Desai is a Senior Resident Director and Wealth Management Advisor at Merrill. He focuses on comprehensive wealth management services, including corporate executive services, executive and equity compensation, and managing new wealth. Satyam emphasizes a personalized approach, collaborating closely with clients to tailor financial strategies that align with their long-term goals and risk tolerance. Before joining Merrill in 2014, Satyam was a director at Morgan Stanley for eight years. He holds a Bachelor's degree from Michigan State University and has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Equity Plan Consultant (EPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Additionally, he served on the Philadelphia Chapter Board of the National Association of Stock Plan Professionals from 2012 to 2015. Satyam resides in Ardmore, Pennsylvania, with his wife and three children. Outside of his professional work, he is involved in community organizations such as Havertown Little League, Jewish Relief Agency, and We Not Me (formerly Mission 5&2). He enjoys coaching youth basketball, playing basketball, gardening, bowling, and golfing.

Sharnise Gadsden is a financial advisor at Vanguard Advisers with 13 years of industry experience. She holds the Series 63 and Series 65 designations and has been with The Vanguard Group, Inc. since 2013. Prior to that, she worked at Macy’s from 2012 to 2016. 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 approach utilizing proprietary methodologies and primarily invests in Vanguard funds and ETFs.

Steven De Carlo is a financial advisor with Morgan Stanley in Greenville, DE, holding a Series 66 designation and with 10 years of industry experience. He has worked at Morgan Stanley since 2017 and previously spent four years at Merrill. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Gary Baker is a financial advisor with Merrill in Wayne, PA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been associated with Merrill Lynch since 2007 and Bank of America since 2011. Outside of his advisory role, Baker serves as a head wrestling coach at Conestoga High School and is an advisory board member of Beat the Streets Philadelphia, a nonprofit focused on academic tutoring and wrestling programs for underprivileged youth, as well as a general partner in a creative LLC developing screen-print characters. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a wide range of products and services beyond traditional investment management.

Susan Butler is a financial advisor with Merrill in Wayne, PA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has been with Merrill since 1987 and has also worked at Bank of America since 2015. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a wide array of investment products and services.

Derik Semetti is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at Mass Mutual Life Insurance Company and Northwestern Mutual. He has also worked in media with Your Town Magazine and held an academic role at West Chester University. 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 to construct personalized portfolios mainly from Vanguard funds and ETFs, leveraging scale and digital delivery to serve a large client base.

Shona Furman is a financial advisor with Primerica Advisors in Wayne, PA, holding Series 63 and Series 65 licenses with four years of industry experience. Her prior work includes 15 years with the City of Philadelphia and multiple roles at PFS Investments Inc. and Primerica Financial Services. Outside of advising, she is involved in the sale of home security and automation products as well as loan products through related Primerica affiliates. Primerica Advisors is a large-scale institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a discretionary wrap-fee asset management program utilizing model-delivery strategies managed by unaffiliated asset managers and supported by custodial and trade execution services.

John Palic is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 credentials and has 13 years of industry experience. He previously worked at Northwestern Mutual in various capacities from 2012 to 2018 before joining Mass Mutual in 2018. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing clients with collaborative, goal-based planning and optional implementation services.

James Adamus is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and 10 years of industry experience. He has been with The Vanguard Group, Inc. since 2015. 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 employing proprietary models and primarily Vanguard funds and ETFs, managing a large client base through a digital platform complemented by a team servicing model.

Daniel Tauriello is a CFP® with five years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Malvern, PA. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as prior experience with LPL Financial and Private Advisor Group. Vanguard Advisers offers both automated and human-supported investment advice through digital and personal advisor services, focusing on retail investors and employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models and largely Vanguard funds and ETFs to deliver scalable, customized portfolio solutions.

Robert Mcmaster is a financial advisor with MassMutual Investors Services in Newtown Square, PA, holding Series 63 and Series 65 designations and 26 years of industry experience. He has worked with MassMutual Investors Services since 2017 and previously spent 15 years with MetLife Securities. In addition to his advisory role, he is involved in individual and group life and health insurance sales. MassMutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes technology-driven planning tools and provides event-driven planning services such as divorce and estate-settlement planning.

Guy Palmeri Jr. is a financial advisor with RBC Capital Markets in Wilmington, DE, holding Series 63 and Series 65 credentials and with 31 years of industry experience. He has been with RBC Capital Markets Corporation since 2009. Palmeri serves as committee chair for the Cecil College Foundation, where he monitors foundation investments. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s Advisory Risk Profile.

Martin Dempsey Jr. is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses, and has 35 years of industry experience. He has been with LPL Financial since 1997. His other business activities include involvement in the sale of non-variable and fixed insurance products through Dempsey & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management supported by research and model portfolios.

Elliott Golinkoff is a financial advisor with RBC Capital Markets in Wilmington, DE, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. Golinkoff serves on the board of the Wilmington Economic and Financial Advisory Council, a city government advisory board. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Jesse Billela is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 63 and Series 66 credentials and has worked at multiple firms including Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach combines goal-based, algorithm-driven strategies with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large-scale digital platform and a team servicing model.

Scott Crosby is a financial advisor at Raymond James Financial with eight years of industry experience. He holds a Series 66 designation and has worked at various Raymond James entities since 2017. Outside of his advisory role, he is an insurance agent with Life Brokerage LLC, focusing on 1035 life insurance exchanges. 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, and governmental entities. The firm offers tailored, typically non-discretionary advisory solutions supported by risk-based reviews and maintains extensive capabilities in municipal and public finance through its affiliate network.

Richard Baker is a financial advisor at Vanguard Advisers with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. He has been with Vanguard Group since 2019. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach and constructs portfolios mainly from Vanguard funds and ETFs, offering customization options and tax-aware features.

Michael Marotta is a Wealth Management Advisor specializing in serving both young couples embarking on their financial journeys and older clients preparing for retirement. He works at Merrill Lynch Wealth Management and has over 12 years of experience in the financial services industry. Michael focuses on areas including college education planning, corporate retirement plan services, divorce transition planning, legacy planning, personal retirement planning, portfolio management, socially responsible investing, tax minimization, and retirement income strategies. Since earning his bachelor's degree from Georgetown University in 2011, Michael has committed himself to understanding his clients' core goals and concerns, identifying any gaps that may exist in their financial plans. He emphasizes a disciplined, process-driven approach highlighting saving early, wealth compounding, tax mitigation, and preparation for pivotal financial decisions. His expertise is supported by professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Michael is a member of the Delaware County Estate Planning Council. Outside of work, he enjoys spending time with his wife Carter and their children, along with activities such as golf, traveling, cooking, baseball, basketball, football, reading, and watching movies.

John Wheeler is a financial advisor with Raymond James Financial Services Advisors, Inc. in Wilmington, Delaware, holding a Series 66 designation and 14 years of industry experience. He has been with Raymond James since 2011 and previously operated Wheeler Financial LLC. Outside of advising, he is an author and serves as secretary/treasurer on the board of the Wilmington Tax Group, a nonprofit organization. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored strategies developed through detailed client assessments and supported by a broad affiliate network.