Kelly Zack is a Certified Financial Planner (CFP®) with 20 years of experience in the financial industry. Since 2020, Zack has been with Vanguard Advisers and has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2006. 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 to construct portfolios primarily from Vanguard funds and ETFs, combining digital delivery with a large advisory team to manage a high volume of client relationships.

Nataly Tracy is a financial advisor with Raymond James & Associates, holding a Series 66 designation and nine years of industry experience. Her prior roles include positions at Royal Alliance Associates and Charles Schwab & Co., Inc. Outside of her advisory career, she owns rental real estate properties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning and investment consulting through various programs and strategies.

Misty Calderon is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 license and 19 years of industry experience. She has worked at several firms, including TIAA, Truist Advisory Services, Wells Fargo Advisors, and LPL Financial. Outside of her advisory role, she owns Calderon Consulting Group LLC, a grant writing business for nonprofits. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible retirement plan participants. The firm utilizes a goal-based, algorithm-driven approach with personalized asset allocations and a broad range of customization options, managing a large client base through a digital delivery platform combined with advisory support.

Ryan Miller is a CFP® with 17 years of industry experience, currently serving at Vanguard Advisers since 2013. He also holds roles within Vanguard Marketing Corporation and The Vanguard Group, Inc. Miller acts as a trustee on a family member's trust. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs.

Steven Edwards is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes roles at Vanguard Advisers since 2019 and prior experience at Morgan Stanley and Mountain High Outfitters. Vanguard Advisers offers automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with proprietary models to construct portfolios primarily from Vanguard funds and ETFs, incorporating tax-aware features and customization options.

Richard Padow is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 26 years of industry experience. He previously worked at TIAA-Cref Individual & Institutional Services, LLC for 23 years and held roles at Alight, Inc. before joining Vanguard. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm combines goal-based, algorithm-driven portfolio construction with a range of customization options and manages a high volume of client relationships through its digital platform and advisor teams.

Ryan Kasakove is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services before joining Vanguard in 2025. His background also includes various non-financial roles such as working at DSN Basketball Camp and Country Roads Day Camp. 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 and primarily invests in Vanguard funds and ETFs, offering several customization options and managing a large client base through a digital platform supported by over 2,200 advisors.

Dionne Mcbride is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked with Vanguard and its affiliates since 2004, including 11 years at Vanguard Advisers in Charlotte, NC. 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 primarily composed of Vanguard funds and ETFs. The firm manages a large scale of client relationships through digital delivery and team servicing, focusing on personalized asset allocation and tax-aware portfolio features.

Abram Early is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Charlotte, NC. His career includes roles at The Vanguard Group, Inc. since 2015, as well as previous positions at M Holdings Securities, Dixon Hughes Goodman Wealth Advisors, and Merrill. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with proprietary methodologies to offer personalized portfolio management primarily through Vanguard funds and ETFs.

Colleen Fitzgerald is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2016. She has been associated with The Vanguard Group and Vanguard Marketing Corporation since 2013. Vanguard Advisers offers automated and human-supported investment advice through digital platforms and personal advisory services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create customized portfolios primarily composed of Vanguard funds and ETFs.

Kadejha Adams is a financial advisor at Vanguard Advisers with two years of industry experience. She holds Series 63 and Series 66 designations. In addition to her advisory role, she is involved with Caribbean Kissed Cosmetics LLC, an entrepreneurial venture. 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 constructed from Vanguard funds and ETFs, offering customization options and tax-aware features.

Timothy Apple is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds the Series 66 designation and has worked at several firms, including Ameritas Investment Corp. and William C Moore Financial Services. He has also been employed by The Vanguard Group since 2019. 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 to construct diversified portfolios primarily from Vanguard funds and ETFs.

Ronnie Bushay is a CFP® and holds a Series 66 designation with six years of industry experience. He has worked at Vanguard Advisers, The Vanguard Group, Inc., and Vanguard Marketing Corporation since 2025, and previously was part of the Wealth Management Group and Independent Financial Group, LLC. Bushay maintains a California life and health insurance license. Vanguard Advisers offers automated and human-supported investment advice through its Vanguard Digital Advisor 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 using proprietary methodologies to create personalized asset allocations, managing a large client base with an extensive digital platform and advisor team.

Alexandra Kirkpatrick is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 credentials and 13 years of industry experience. She has been with The Vanguard Group, Inc. since 2013. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs an algorithm-driven, goal-based investment approach using proprietary models to set personalized asset allocations, with portfolios largely constructed from Vanguard funds and ETFs.

James Acuna is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at The Vanguard Group, Inc. since 2005. Vanguard Advisers offers 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, employing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Jeff Leichman is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He has been with Fidelity for over two decades, contributing to various roles including Financial Consultant, Investment Consultant, Relationship Manager, and Service Trader. His extensive experience within the company reflects his commitment to exceptional client service and personalized financial guidance. Throughout his career at Fidelity, Jeff has focused on partnering with clients to develop financial plans aimed at achieving their financial goals. His expertise encompasses diverse investment choices and tailored advisory services. Jeff's long tenure at Fidelity demonstrates his dedication to the firm's principles and client-centered approach.

Jeremy Post is a CFP® professional with seven years of industry experience, currently serving at Vanguard Advisers. He has previously worked at Charles Schwab Bank and Charles Schwab & Co., Inc., and holds an insurance license maintained since 2017. 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 primarily composed of Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and advisory teams.

Justin Foxx is a financial advisor at Vanguard Advisers based in Charlotte, NC. He holds a Series 66 designation and has been in the industry since 2024, with prior experience at LPL Financial Services and Bank of America. Vanguard Advisers provides 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 with portfolios primarily constructed from Vanguard funds and ETFs, offering tax-aware features and a range of customization options.

Aliya Washington is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. Her prior experience includes roles at The Vanguard Group and LPL Financial. Washington is based in Charlotte, NC. Vanguard Advisers offers 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, employing proprietary models to create personalized asset allocations primarily using Vanguard funds and ETFs.

Matthew Hawes is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63, Series 65, and Series 66 credentials and with 27 years of industry experience. He has been with Vanguard Advisers since 2019 and has worked with various entities within The Vanguard Group since 2015. 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 methodologies and primarily constructs portfolios from Vanguard funds and ETFs.