Thomas Dougherty is a CFP® with 10 years of experience at The Vanguard Group, Inc., where he has worked since 2016. He holds Series 63 and Series 65 licenses and is based in Malvern, PA. Vanguard Advisers provides both 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 mainly composed of Vanguard funds and ETFs, offering various customization options and tax-aware features.

Cheryl Hammerstone is a financial advisor with Vanguard Advisers, holding Series 63, 65, and 66 licenses and having 19 years of industry experience. She has been with The Vanguard Group since 2010. Vanguard Advisers offers 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 asset allocation, largely employing Vanguard funds and ETFs, and manages a high volume of client relationships through its digital platform and advisor team model.

Brian McGinnis is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and possessing 19 years of industry experience. He has worked at Vanguard since 2007 and serves as an elected official on the West Chester Borough Council. 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 largely composed of Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and advisor teams.

John Bruno is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66, Series 63, and Series 65 credentials. His prior experience includes roles at Mercer Global Advisors and New York Life Insurance Co. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants through its digital and personal advisor services. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, offering tax-aware features and customization options.

Patrick Dever is a financial advisor at Stifel with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2014. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology from its Investment Strategy Group, employing forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning.

Anthony Piscitelli is a CFP®-credentialed financial advisor with 26 years of industry experience. He is currently with Vanguard Advisers and has held roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation since 1998. 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 constructing portfolios from Vanguard funds and ETFs with various tax-aware and customization features.

David Estrella is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Malvern, PA. He has been with The Vanguard Group, Inc. since 2007. 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 with portfolios constructed primarily from Vanguard funds and ETFs. The firm is notable for its large scale and digital delivery model, managing hundreds of thousands of client relationships with a blend of technology and advisor support.

Cody Gross is a financial advisor with Ameriprise in Exton, PA, holding a Series 66 designation and eight years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of advising, he serves on the Penn Tau Alumni Board of Sigma Phi Epsilon Fraternity and is involved with the West Chester University Marching Band as part of the instructional and coaching staff. Ameriprise Financial Services is a large diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning with a non-discretionary implementation approach.

Mary Roysdon is a financial advisor at Vanguard Advisers with nine years of industry experience. She holds Series 66, Series 63, and Series 65 designations. Her career includes previous roles at Edelman Financial Engines, Transamerica, and The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm’s approach is goal-based and algorithm-driven, using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Ruthanne Monteleone is a CFP® professional with 13 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. Her prior experience includes over a decade at CUSO Financial Services and Citadel Federal Credit Union. She is also the owner of Plan and Prosper Financial Partners LLC, a technology services firm. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing both proprietary and third-party strategies across multiple platform arrangements.

Yi Liu is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2019. Liu has been affiliated with Vanguard entities since 2014, 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 uses a goal-based, algorithm-driven approach featuring proprietary models to set personalized asset allocations, with portfolios largely composed of Vanguard funds and ETFs.

Dana Kulp is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. Prior to joining Vanguard, she worked at Fidelity Investments and held self-employed roles in the financial sector. 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 digital delivery and a team servicing model.

Charles Minnich V is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 63 and Series 66 licenses and has been affiliated with various Vanguard entities since 2022. His prior work includes roles at PolicyMap, Elon University, and The Union League of Philadelphia. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, offering a range of customization options including tax-aware features and ESG considerations.

Kristen Cortez is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. She has worked with Vanguard Marketing Corporation and The Vanguard Group since 2018. Outside of her advisory role, she participates in market research studies and serves as a full agent for an immediate family member’s investment accounts. Vanguard Advisers provides 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 tailor personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

James Della Guardia is a Senior Financial Advisor with Merrill Lynch Wealth Management. With 32 years of experience in the financial services industry, he focuses on developing long-term relationships with clients, working collaboratively to ensure they understand their investments and the reasons behind them. His client services include college education planning, divorce transition planning, retirement income strategies, portfolio management, tax minimization, and managing new wealth, among other areas. James earned a bachelor's degree in Economics from Nicholls State University after initially attending The University of Miami, where he played baseball from 1985 to 1988. He holds the Personal Investment Advisor (PIA) professional designation. In addition to his financial career, James has a background in semi-professional baseball and resides in Phoenixville, Pennsylvania, where he has lived since 1998. He is actively involved in his community and enjoys spending time with his family and participating in sports such as baseball, football, golf, and softball.

Lee Bienstock is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 designation and four years of industry experience. Prior to joining Vanguard in 2022, he worked at Steve Madden from 2018 to 2022 and held roles at Samantha Leibowitz New York and Nike between 2015 and 2018. Vanguard Advisers offers 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 investment approach and manages portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through a digital platform combined with advisor support.

Bajram Elezaj is a financial advisor at J.P. Morgan Securities with two years of industry experience and holds a Series 66 designation. Prior to his current role, he gained experience at JPMorgan Chase Bank, Equitable Advisors, and Karr Barth Associates. Outside of finance, he assists with floor planning at La Collina Ristorante, an Italian restaurant owned by his in-laws. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a combination of quantitative asset-allocation modeling and centralized due diligence.

Joseph Biloon is a financial advisor at LPL Financial with over 26 years of industry experience. He holds the CFP® and Series 66 designations and has held roles at firms including Dean Witter Reynolds and Independent Advisers Group Corp. He is also the owner of CFC Inc., a company offering non-variable insurance products such as disability, fixed annuities, long-term care, and life insurance. 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 provides a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Daniel Quinn is a CFP®-designated financial advisor with over 20 years of industry experience. He has been with The Vanguard Group, Inc. since 2005, working in Malvern, PA. 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, utilizing proprietary models and primarily Vanguard funds and ETFs, supported by a scalable digital platform with more than 2,200 advisors.

Vincent Maimone is a CFP® with 16 years of industry experience, currently serving at Vanguard Advisers since 2018. He previously worked at Capital One Investing, LLC from 2016 to 2018. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios mainly composed of Vanguard funds and ETFs, supported by a large team of over 2,300 advisors managing hundreds of thousands of client relationships.