Ryan Murray is a CFP®-credentialed financial advisor with 15 years of industry experience. He has been with Vanguard Advisers since 2014 and also holds roles within Vanguard Marketing Corporation and The Vanguard Group, Inc. Ryan is based in Malvern, PA. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach featuring proprietary methodologies and offers portfolios primarily composed of Vanguard funds and ETFs, with options for tax-aware strategies and customization.

Aanand Patel is a financial advisor at Vanguard Advisers with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard Advisers since 2020. Outside of his advisory role, Patel has worked as a contracted driver for DoorDash. Vanguard Advisers provides automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs, emphasizing scale and digital delivery with a large advisor team.

Simone Howard is a Series 66 licensed financial advisor with Vanguard Advisers, based in Malvern, PA, and has two years of industry experience. Prior to joining Vanguard in 2023, she worked in various roles including at Starbucks Coffee Company and Urban Outfitters. Outside of advising, she is involved with Wild Blue Catering as a server for catering events. 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 construct portfolios mainly from Vanguard funds and ETFs, offering customization options and tax-aware features.

Brad Bryan is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Cetera in Phoenixville, PA. His prior experience includes roles at Charles Schwab, TD Ameritrade, and The Vanguard Group. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a broad range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Jane Simpson is a CFP®-designated financial advisor with 27 years of industry experience. She has been with Vanguard Advisers since 2019 and has worked at multiple Vanguard entities since 1998. Vanguard Advisers provides both 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 to portfolio construction, offering a wide range of customizable investment options and managing hundreds of thousands of client relationships through its digital platform and extensive advisor team.

Michael Ward is a financial advisor with Vanguard Advisers based in Malvern, PA. He holds Series 63 and Series 66 designations and has 24 years of industry experience, all with The Vanguard Group since 1999. Vanguard Advisers provides automated and human-supported investment advice primarily for retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach utilizing proprietary models to create personalized portfolios largely composed of Vanguard funds and ETFs.

Gregory Novick is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and nine years of industry experience. His work history includes roles at Vanguard Advisers, The Vanguard Group, and Allied Integrated Marketing. Novick also serves as a full agent for investment accounts of an immediate family member. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs, supported by a large team of advisors managing a high volume of client relationships.

Matthew Kitchie is a financial advisor at Cetera with eight years of industry experience. He holds the Series 66 designation and previously worked at Voya Financial Advisors, Inc. and Lehigh University. Outside of his advisory role, he operates as an independent insurance agent focused on fixed insurance products and markets financial services and fixed life insurance through his own firm, Flagship Financial. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, with investment options including model portfolios, third-party managers, and customized strategies.

Jake Kramer is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 designation and has been with The Vanguard Group since 2019. Prior to joining Vanguard, he worked at Starbucks Corporation, Anexinet Corporation, and Sidecar Interactive, Inc. 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 approach that employs proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Anthony Sassano is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Vanguard Advisers, Vanguard Marketing Corporation, and The Vanguard Group since 2020, and previously with New York Life and NYLIFE Securities. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, using a proprietary algorithm-driven approach to create personalized, goal-based portfolios primarily composed of Vanguard funds and ETFs. The firm manages a large client base through digital delivery and team servicing, emphasizing tax-aware features and multiple customization options.

Richard Brauer is a CFP® certified financial advisor with 19 years of industry experience, currently working at Vanguard Advisers since 2011. He holds Series 63 and Series 66 licenses and is based in Malvern, PA. Outside of his advisory role, he serves as an executor for a family estate. Vanguard Advisers provides both 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 construct personalized portfolios predominantly featuring Vanguard funds and ETFs.

Margaret Todd is a CFP® professional with 18 years of industry experience, currently affiliated with Wells Fargo Clearing where she has worked for 10 years. Prior to that, she was with Bruton Financial Advisors, LLC for three years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics grounded in diversification and modern portfolio theory.

Dexter De La Rosa is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 65 credentials. His prior work includes roles at Santander Securities, Merrill, JPMorgan Chase Bank, and Knights of Columbus Insurance. 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 constructed mainly from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Filippo Menegon 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 various Vanguard entities since 2022. His prior experience includes roles outside finance, such as at Bally Premiere Entertainment and academic positions at Stockton University and Atlantic Cape Community College. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, focusing on retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, delivering service at a large scale through its automated platform and advisory team.

Greg Maxey is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity since 2022, holding various roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. Prior to joining Fidelity, he worked as a Financial Consultant at Equitable Advisors. As a Certified Financial Planner, Greg works with both new and experienced investors to develop clear, actionable financial strategies. He utilizes digital tools to monitor progress, identify opportunities, and adjust plans over time to keep them aligned with clients' evolving goals. His approach centers on simplifying complex financial concepts and providing practical guidance through each step of the planning process.

Ryan Mc Keon is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and seven years of industry experience. He previously worked at J.P. Morgan Securities LLC from 2016 to 2020. Mc Keon has been with The Vanguard Group since 2020. 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 investment approach using proprietary models to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Tyler Mc Evoy is a CFP® and Series 63 licensed advisor with Vanguard Advisers, based in Malvern, PA. He has seven years of industry experience, including roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation. 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 approach using proprietary methodologies and manages portfolios mainly composed of Vanguard funds and ETFs.

Edward Campagna is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with The Vanguard Group since 2013. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodology to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Mariam Jan is a financial advisor at Vanguard Advisers with 11 years of industry experience. She holds Series 63 and Series 65 credentials and has been with The Vanguard Group since 2015. 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 approach to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through its digital and team servicing model.

Caroline Mcdonald is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. Prior to her current role, she worked at Haas Financial Group, uFinancial Group, and was involved with Garage Ventures, Inc. DBA Epicurean Garage. She has also held teaching positions at Kutztown University and several local schools. 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 approach featuring proprietary methodologies and primarily invests in Vanguard funds and ETFs, serving hundreds of thousands of clients through a large advisor team and a digital platform.