Sharon Davis is a financial advisor at Vanguard Advisers with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has worked for various entities within Vanguard since 2015. Outside of her advisory role, she previously operated a notary services business and managed an Etsy store. 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 with portfolios constructed mainly from Vanguard funds and ETFs, emphasizing scale and digital delivery through its Vanguard Digital Advisor and Personal Advisor services.

Ian Reitman is a financial advisor with Raymond James Financial Services Advisors Inc. in Wayne, PA, holding Series 65 and Series 66 credentials and bringing 12 years of industry experience. He also serves as Vice President of Birch Run Financial LLC, where he is involved in servicing existing clients and new client acquisition. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and advisory services to client goals.

John Pulcinella is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2016 and has also been self-employed since 2019. Outside of his financial advisory work, John is involved in acting. Vanguard Advisers provides automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving retail investors and 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 with various customization options.

Jimmy To is a financial advisor at Vanguard Advisers with eight years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Citizens Securities, TD Private Client Wealth, TD Bank, and HSBC. Vanguard Advisers delivers 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 featuring proprietary models and primarily Vanguard funds and ETFs, serving a large client base through a digital platform supported by a team of over 2,200 advisors.

Michael Logan is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 65 and Series 63 credentials and 18 years of industry experience. Prior to joining Raymond James in 2022, he spent 14 years with Warren Financial Service. Outside of his advisory role, he assists clients with tax preparation. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs non-discretionary planning and risk profiling tools to tailor investment strategies and supports clients through advisory programs and institutional consulting services.

Joseph Marcelli is a CFP® with four years of experience in financial advising, currently working at Vanguard Advisers. He previously worked at The Glenmede Trust Company, N.A. and QBE Insurance. Marcelli is involved in fundraising for the High Fives Foundation, a nonprofit organization. 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 with personalized asset allocations largely constructed from Vanguard funds and ETFs.

Paul Abeln is a financial advisor with Morgan Stanley in Berwyn, PA, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2014. He is associated with CLEARPATH CONSULTING LLC, a business marketing consulting entity that has been inactive since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering financial planning and advisory programs that include tools such as Monte Carlo simulations and Secular Return Estimates to model investment outcomes. The firm manages over $2.7 trillion in client assets and provides a range of retail and institutional investment services.

Michael Paternostro is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior roles include positions at Prudential, LPL Enterprise, and multiple Vanguard entities. Outside of advisory work, he is a mortgage loan originator with Vanguard Lending LLC, focusing on residential loan origination. Vanguard Advisers provides automated and human-supported investment advice for retail investors and employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates personalized asset allocations and tax-aware strategies. The firm manages a large number of client relationships with a digital delivery model supported by over 2,400 advisors.

Stephens Morillo is a financial advisor with Vanguard Advisers, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., where he has been employed since 2017, along with prior experience at Mid Atlantic Resource Group and Financial Planning Academy. Vanguard Advisers offers 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 approach using proprietary models to create personalized portfolios, largely constructed from Vanguard funds and ETFs, with a focus on scalability and digital delivery.

Eli Cohen is a CFP® professional with 14 years of industry experience, currently serving as an advisor at Vanguard Advisers. His prior roles include positions at Fisher Investments, BCG Securities, and Haddon Planning Group. He is based in Malvern, PA. Vanguard Advisers provides both 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 utilizes a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a combination of technology and advisory teams.

Brian Schaub is a CFP® with 27 years of industry experience. He has been with The Vanguard Group Inc. since 2002. He holds a Series 63 designation and 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 to create personalized asset allocations and manages a large client base through its digital platform and team servicing model.

Meghan Gallagher is a financial advisor with Wells Fargo Advisors in Collegeville, PA, holding a Series 66 designation and having one year of industry experience. Her prior experience includes five years at Bank of America and three years at Chase. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Margaret Anderson is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 66 and Series 63 licenses and four years of industry experience. She has worked at The Vanguard Group, Inc. since 2022 and previously held various roles including positions at Temple University and in retail. 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 approach with portfolios primarily composed of Vanguard funds and ETFs, emphasizing digital delivery and scalable client servicing.

Michael Williams is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. He has been with LPL Financial since 1997. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from internal and third-party sources.

Patrick Farren serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2011. He has been with Fidelity since 2008, previously working as an Account Executive and Investment Representative. Prior to joining Fidelity, Patrick gained experience at The Vanguard Group from 2002 to 2008, where he held various positions including Financial Planner and Paraplanner. Throughout his career, Patrick has focused on helping clients and their families grow, protect, and distribute their wealth in alignment with their unique financial goals. He holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional work, Patrick enjoys spending time with his family and participating in golf and tennis.

Jason Kinney is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 2015. Vanguard Advisers offers 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 approach using proprietary models to create personalized asset allocations, predominantly featuring Vanguard funds and ETFs.

Charles Moffitt III is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His prior work includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of his advisory work, he owns and operates a farming business named Moffitt Apples. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management with support from LPL Research and third-party subadvisors.

Sharon Huang Zhang is a financial advisor with Vanguard Advisers holding Series 66 and Series 63 licenses and four years of industry experience. She has worked at various Vanguard entities since 2021 and also serves as a front desk agent at Home2 Suites By Hilton Convention Center. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and a range of customization options. The firm is notable for its scale and digital delivery, managing a large client base with an automated platform supported by a team of advisors.

Mark Christman is a CFP® with 14 years of industry experience and has been with The Vanguard Group, Inc. since 2009. He is based in Malvern, PA, and holds a Series 63 license. 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 and manages a large number of client relationships through its digital platform and extensive advisory team.

Daniel Pederson is a financial advisor at Fisher Investments with eight years of industry experience. He holds a Series 65 credential and has worked at Fisher Investments since 2018, following a prior role at PederSon Financial Consulting. Fisher Investments serves a global client base including institutional and private clients such as pension and profit-sharing plans, foundations, and high-net-worth individuals. The firm employs a centralized Investment Policy Committee to manage discretionary portfolios using a combination of quantitative and qualitative research, tax-aware processes, and risk management strategies.