Paul Santoro is a CFP®-credentialed financial advisor with 13 years of industry experience. He has worked at Vanguard Advisers since 2019 and is also affiliated with The Vanguard Group, Inc. Outside of his advisory role, he was involved with Tableart & KPW Productions from 2018 to 2023. Vanguard Advisers serves retail investors and 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 with portfolios primarily composed of Vanguard funds and ETFs, offering various customization options and managing a large client base with a digital delivery model.

Arshan Abid is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked primarily with Wells Fargo entities since 2015, including a two-year tenure at The Vanguard Group. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven, grounded in modern portfolio theory, and offers both non-discretionary and discretionary services tailored to plan objectives and risk tolerances.

David Bentley is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides planning through Financial Advisors and specialized groups such as Estate Planning Strategies.

Sean Vasey is a CFP® professional with 15 years of industry experience, currently serving at Vanguard Advisers since 2014. He has held various roles within The Vanguard Group and its affiliates since 2011. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that incorporates proprietary methodologies and Vanguard funds to personalize asset allocations. The firm manages a large client base through a combination of digital delivery and advisor support.

Steven Callaghan is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with Vanguard Advisers since 2017 and also worked at Temple University for one year prior. 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 utilizing proprietary models to create personalized asset allocations and manages a large client base through its digital platform and extensive advisor team.

Zachary Pyers is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 credential and possessing three years of industry experience. Prior to joining Vanguard Advisers in 2026, he worked with Macquarie Investment Management Business Trust and Delaware Distributors, L.P. from 2022 to 2025. He has also been involved with City Year and operated a landscaping business, Songbird Landscapes. Vanguard Advisers provides 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 a large client base through a combination of digital platforms and a sizable advisory team.

Gino Stone is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has been with Vanguard-affiliated entities since 2022. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving 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, offering tax-aware and customizable features.

Jacob Baumann is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and previously worked at New York Life Insurance Company and NYLIFE Securities LLC. Outside of advising, he is involved with XGolf, an indoor golf entertainment business. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and ongoing collaborative planning relationships to deliver written recommendations focused on investment categories and strategies.

Christopher Simmons Jr. is a financial advisor at Raymond James Financial with 16 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes nearly two decades at Vanguard Marketing Corporation and Vanguard Advisers. Simmons is also involved with Wheeler Financial LLC, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing client collaboration and tailored recommendations supported by extensive research and a broad affiliate network.

Dennis Valentino is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo Advisors since 2014. Outside of his advisory role, he serves on the board of a condominium association and holds trustee positions for multiple 401(k) plans. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services including retirement, education, risk, and wealth-transfer planning, utilizing proprietary research and tools to develop tailored client recommendations.

Deion Whittington is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and three years of industry experience. His prior employment includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Bank of America, and Morgan Stanley. Outside of finance, he has been involved with entrepreneurial ventures including Benton Block Recordz LLC and Road Warrior Enterprise. 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 combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory to manage approximately $671 billion in assets.

David Correale Jr. is a CFP® professional with 15 years of experience in the financial services industry. He has been with Wells Fargo Clearing since 2016 and worked previously at Wells Fargo Advisors, LLC. Based in Newtown Square, PA, he holds the Series 66 designation. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Kyle Thomas is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and six years of industry experience. He has been with The Vanguard Group since 2019 and previously worked at Werner Company, General Electric, and Montgomery Truss and Panel. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Shallon Febres is a financial advisor with Morgan Stanley in Greenville, DE, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at Morgan Stanley and its affiliates since 2007. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, providing tailored financial planning supported by a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Meghan Walsh is a financial advisor with Vanguard Advisers based in Malvern, PA, holding Series 66 and Series 63 licenses. She has one year of industry experience, all with Vanguard entities. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to personalize asset allocations, primarily utilizing Vanguard funds and ETFs, and serves a large client base through a combination of digital delivery and advisor support.

Kyle Scott is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2014 and joined Vanguard Advisers in 2025. Vanguard Advisers provides investment advice through both digital and human-supported services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, offering tax-aware features and customization options.

Nicholas Desimone is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 and Series 63 designations and has worked at various Vanguard entities since 2021. Outside of his advisory work, he is involved in retail operations at Ice Line Pro Shop, where he has provided customer service and equipment maintenance for several years. Vanguard Advisers offers automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Nelia Mc Bride is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, and The Vanguard Group. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by extensive research and analytics.

Joseph Bockus is a financial advisor at Vanguard Advisers with 5 years of industry experience. He holds Series 63 and Series 66 licenses and has worked within various Vanguard entities since 2021. His prior work includes roles outside the financial industry, such as positions at Enterprise Rent-A-Car and Fastenal. 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 with personalized asset allocations primarily constructed from Vanguard funds and ETFs, supported by a large team of over 2,200 advisors serving hundreds of thousands of clients.

Donna Marie Kelly is a financial advisor at Raymond James & Associates with 20 years of industry experience. She holds Series 66 and Series 65 licenses and has previously worked at firms including RBC Capital Markets, Janney Montgomery Scott, and Stifel Nicolaus. Outside of her financial advisory work, she serves as a sacristan at St. Agnes Church. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm offers wealth advisory planning and investment consulting to individuals, institutions, and government entities, delivering recommendations on a non-discretionary basis supported by an extensive affiliate network and specialized municipal finance services.