Joseph Madrak III is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Equitable Advisors. 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 featuring proprietary glide-path methodology and personalized asset allocations primarily using Vanguard funds and ETFs.

Christopher Pace is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2015. He holds a Series 63 license and is based in Malvern, Pennsylvania. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily made up of Vanguard funds and ETFs. The firm manages a large client base through its digital platform and extensive team of advisors.

John Lindsey is a CFP® professional with over 31 years of industry experience. He has been with The Vanguard Group since 2020 and previously worked at Goldman Sachs, CETERA Advisor Networks LLC, United Capital Financial Advisers, LLC, and Girard Securities. Vanguard Advisers offers 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 proprietary methodologies to construct personalized portfolios largely using Vanguard funds and ETFs.

Holly Murphy is a financial advisor with Vanguard Advisers, holding a Series 66 credential and three years of industry experience. She has worked at The Vanguard Group since 2022 and is also the owner of Vorfreude Investments, LLC, a currently inactive real estate business. Additionally, she acts as a healthcare power of attorney for an immediate family member. 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 investment approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Andre Duffie is a CFP® with 27 years of experience in the financial services industry. He has been with Ameriprise since 2005 and currently works in Thornton, PA. Outside of his advisory role, he has involvement in real estate ownership. Ameriprise is a large institutional firm offering retirement-income planning services primarily for individuals with significant investable assets. Its approach combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Brad Wilinsky is a financial advisor at Vanguard Advisers with 30 years of industry experience. He holds Series 63 and Series 66 designations and has been affiliated with The Vanguard Group, Inc. and its related entities since 1997. 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 with portfolios constructed primarily from Vanguard funds and ETFs. The firm serves hundreds of thousands of clients through a digital platform supported by over 2,200 advisors.

Ryan Albright is a Series 66-licensed financial advisor with Vanguard Advisers, based in Malvern, PA, and has three years of industry experience. Prior to joining Vanguard in 2022, he worked at Jacobson and Schmitt Advisors and held various roles in public service and higher education. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing both automated and human-supported investment advice through its digital and personal advisor services. The firm’s approach combines algorithm-driven, goal-based asset allocation with portfolios constructed primarily from Vanguard funds and ETFs, supporting a high volume of client relationships through a scalable, technology-forward model.

John Heppler is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His prior experience includes roles at Bank of America and Merrill. He is based in Malvern, PA, and has been with The Vanguard Group since 2017. 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 with portfolios largely composed of Vanguard funds and ETFs, supported by a large team and digital platform.

Branden Cruz is a financial advisor with Vanguard Advisers in Malvern, PA. He holds a Series 66 designation and has four years of industry experience. Prior to joining Vanguard, he worked at US Health Advisors, Nutrisystem, Keller Williams, Medtronic, DentaFuture Center, and Eastern University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios mainly constructed from Vanguard funds and ETFs.

Corey Michael Huerta is a financial advisor with Vanguard Advisers holding a Series 66 designation and three years of industry experience. His work history includes roles at Vanguard Advisers, Vanguard Marketing Corporation, and The VANGUARD GROUP, INC., all since 2023. Prior to that, he has experience in various educational institutions. Vanguard Advisers provides automated and human-supported investment advice through Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages a large client base through its digital platform and team servicing model.

Patricia Lamotta is a CFP® with 15 years of experience in the financial services industry. She has worked at The Vanguard Group, Inc. since 2019 and previously spent 15 years at PNC Bank. She serves as president of the Great Bay Condominium Association board. 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 offers portfolios primarily constructed from Vanguard funds and ETFs with various customization options.

Rebekah Allen is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 10 years of industry experience. She has been with Primerica Advisors since 2015 and currently operates under the Diehl Financial Group name for certain sales activities. In addition to her advisory work, she is involved in selling loan products through Primerica Mortgage and refers clients to home security and automation services via Primerica Client Services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure while delegating trading responsibilities to BNY Mellon Advisors.

Joanna Rotenberg is a Series 66 licensed financial advisor with Vanguard Advisers, based in Malvern, PA, and has two years of industry experience. Prior to Vanguard, she held positions at FMR LLC, Fidelity Canada Shared Services Corp, and BMO Financial Group. She serves as board member and treasurer for Sinai Health System and is on the Rotman Dean’s Advisory Board at the University of Toronto. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios, mainly composed of Vanguard funds and ETFs, supported by a large advisor team and extensive digital delivery.

Isidore Ogoussan is a CFP® and ChFC® with 15 years of experience in the financial services industry. He is currently with Cambridge Investment Research Advisors and previously worked at Penn Mutual Life Insurance Company and Hornor, Townsend & Kent, Inc. Ogoussan is a committee member of the Delaware Africa Coalition and the Young Caribbean Professional Network and serves on the board of the Pennsylvania Restaurant and Lodging Association. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers comprehensive financial planning and investment management services through a network of independent Financial Professionals, employing a variety of portfolio management strategies across multiple custody platforms.

Alexander Johnson is a financial advisor at Vanguard Advisers with two years of industry experience. He holds the Series 63 and Series 66 designations and has been with Vanguard Advisers since 2025, also working with Vanguard Marketing Corporation and The Vanguard Group since 2023. Prior to joining Vanguard, he spent six years at the University of Pennsylvania. 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 approach with portfolios constructed mainly from Vanguard funds and ETFs, combining scale and digital delivery to manage a large client base across various investment solutions.

Steven Schriver serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. In his work, he focuses on collaborative financial planning, emphasizing its importance as a foundational aspect of his clients' financial well-being. Prior to joining Fidelity Investments, Steven was a Wealth Client Partner at Citizens Securities Inc. for ten years, from 2012 to 2022. His experience in these roles centers on comprehensive financial consulting and partnership with clients. Outside of his professional responsibilities, Steven enjoys a range of personal interests including baseball, concerts, family activities, fitness, music, and traveling.

Alexander Schinker is a CFP® certificant with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2011. Outside of his advisory role, he owns and manages a rental property in Lancaster, Pennsylvania. 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 constructed from Vanguard funds and ETFs.

Marc Bivona is a financial advisor at Vanguard Advisers with a Series 66 credential and three years of industry experience. He has held a teaching position in marketing at the University of Illinois Urbana-Champaign since 2022, instructing graduate students remotely. Prior to joining Vanguard, he worked at Randstad and Fortune Builders Inc. 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 to portfolio construction, primarily employing Vanguard funds and ETFs, supported by a large team of advisors managing a high volume of client relationships.

Jacqueline Coyne is a financial advisor at Vanguard Advisers with 11 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with The Vanguard Group since 2015. Coyne also has a concurrent role at Villanova University. 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 to set personalized asset allocations and offers a range of customizable portfolio options utilizing Vanguard funds and ETFs.

Matthew Lorenz is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and nine years of industry experience. He has worked at The Vanguard Group, Inc. since 2017 and spent one year at Avenue365 Lender Services prior to that. Vanguard Advisers provides automated and human-supported investment advice through services such as Vanguard Digital Advisor and Vanguard Personal Advisor, serving 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 with a combination of digital platforms and advisor teams.