Ryan Stender is a CFP® with 18 years of industry experience. He has been with Vanguard Advisers since 2012 and is also affiliated with The Vanguard Group and Vanguard Marketing Corporation. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing automated and human-supported investment advice through its digital and personal advisor services. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios primarily using Vanguard funds and ETFs.

Ryan Ognall is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials. He has been with Vanguard and its affiliated entities since 2025. 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 and primarily constructs portfolios from Vanguard funds and ETFs, offering features such as tax-aware strategies and multiple customization options.

Adam Glassman is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and four years of industry experience. He previously worked at JG Wentworth and Wayne Edwards Workshop before joining The Vanguard Group, Inc., where he has been since 2019. Vanguard Advisers offers a combination of automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. Their approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Stephen Ajemian is a CFP®-credentialed financial advisor with Vanguard Advisers, bringing 26 years of industry experience. He has been with The Vanguard Group since 1999. Outside of his advisory role, he serves as treasurer on the board of the Trojans Baseball Association, a nonprofit fundraising organization. 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 with proprietary asset allocation models and offers a range of customization options, managing a large client base through a combination of digital platforms and advisor teams.

Shane Bartle is a financial advisor with Vanguard Advisers, holding Series 65 and Series 63 licenses and one year of industry experience. His prior work history includes roles at Key Investment Services LLC, KeyBank, and Equitable Advisors, LLC. 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 approach, utilizing proprietary models to create personalized portfolios largely composed of Vanguard funds and ETFs.

Tammy Tasch is a financial advisor at OSAIC with 18 years of industry experience and holds a Series 66 designation. Her prior experience includes eight years at Lincoln Financial Advisors and two years at Masso Torrence Wealth Management. Outside of financial advising, she is a co-owner of T & C Creations LLC, an arts and crafts business. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing proprietary tools and third-party platforms to construct and manage a range of investment portfolios.

James Kelly is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and bringing nine years of industry experience. His prior roles include positions at Equitable Advisors, Global Atlantic Distributors, Envestnet, and Lincoln Financial Group. He is currently 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 employs a goal-based, algorithm-driven investment approach using proprietary models and constructs portfolios mainly from Vanguard funds and ETFs, offering various customization options and tax-aware features.

Susan Raeisi is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and 6 years of industry experience. Her prior work includes roles at CitiBank and Citi Global Markets, as well as Merrill Lynch and Wells Fargo Clearing. She is currently based in Malvern, Pennsylvania. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice, employing a goal-based, algorithm-driven approach that utilizes proprietary models and Vanguard funds and ETFs. The firm manages a large client base with an emphasis on digital delivery and scalable portfolio management solutions.

Brandon Moyer is a financial advisor at OSAIC with five years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors Corporation for six years. Outside of his advisory role, he occasionally assists clients with life insurance analysis and Medicare-related matters through Delphi Insurance Management Group. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services, using various asset-allocation tools and multiple third-party platforms to construct portfolios tailored to clients’ risk tolerance and investment preferences.

Cara Mc Cutcheon is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds Series 66 and Series 63 credentials and has worked within various Vanguard entities since 2018. Prior to joining Vanguard, she was affiliated with Harvard Business School for two years. 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 that incorporates proprietary models and tax-aware portfolio construction. The firm manages a large client base through a combination of digital platforms and a team servicing model.

Francis Kinniry Jr. is a CFA charterholder with 28 years of industry experience, currently serving at Vanguard Advisers since 1997. His professional career has been entirely with Vanguard entities, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Outside his advisory role, he acts as executor of his parents' will. 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 proprietary models to construct personalized portfolios primarily from Vanguard funds and ETFs, serving a large client base through its digital platform and extensive advisor team.

Thomas White is a financial advisor with Vanguard Advisers in Malvern, PA. He holds Series 63 and Series 66 licenses and has five years of industry experience. His prior work includes roles at Members Settlement Services, Allied Millennial Partners, and Fordham University. Vanguard Advisers provides 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 investment approach and manages portfolios largely composed of Vanguard funds and ETFs, supported by a digital platform and a large advisory team.

Shane Benjamin is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Vanguard in 2018, he worked at Randstad and Allied Barton Security Services. 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 is notable for its scale and digital delivery, managing hundreds of thousands of client relationships with over 2,200 advisors.

Gary White Jr. is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and two years of industry experience. Prior to joining Vanguard Advisers, he has been associated with several Vanguard entities since 2023 and has worked in various roles including at CVS Health, where he continues to work as a pharmacy technician. Vanguard Advisers provides automated and human-supported investment advice through services such as Vanguard Digital Advisor and Vanguard Personal Advisor, catering primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies and primarily invests client assets in Vanguard funds and ETFs.

Gregory Warburton is a CFP® with 38 years of industry experience currently with Vanguard Advisers, where he has worked since 2017. Prior to joining Vanguard, he spent 28 years at Fidelity Brokerage Services, Inc. He holds Series 63 and Series 65 licenses. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models and primarily constructs portfolios from Vanguard funds and ETFs, offering a range of customization options.

John Gardner is a financial advisor at Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses with 10 years of industry experience. He has been with The Vanguard Group, Inc. since 2016. 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 utilizes a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, incorporating tax-aware features and customization options.

Richard Badis is a financial advisor at Vanguard Advisers with five years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, Northwestern Mutual, and Morgan Stanley. Badis also serves as a limited agent managing a fiduciary account for an immediate family member. 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 approach using proprietary models to set personalized asset allocations, with portfolios mainly constructed from Vanguard funds and ETFs.

Brenda Belfiglio is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and two years of industry experience. She has been with Vanguard Advisers since 2026 and concurrently with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2024. Prior to her career in finance, she worked for 15 years in the Chichester School District. Vanguard Advisers provides 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 using proprietary methodologies and constructs portfolios mainly from Vanguard funds and ETFs.

Brandon Weber is a financial advisor at Vanguard Advisers with Series 66 credentials and one year of industry experience. He has worked in roles at The Vanguard Group, TravisMathew, CVS Pharmacy, and served in the United States Army National Guard. Prior to joining Vanguard Advisers, he was self-employed for one year. 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 with portfolios constructed primarily from Vanguard funds and ETFs, supported by a digital delivery model and a large team of advisors.

Jeffrey Bohus is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Bank of America and Merrill since 2013. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated within Bank of America’s broader platform.