Nicholas Valerio is a Financial Consultant currently working at Fidelity since 2023. In his role, he engages clients in discussions about their short- and long-term financial goals to develop tailored strategies through a holistic planning approach. Nicholas has experience in various financial advisory positions, including serving as an Investment Consultant at Fidelity from 2021 to 2023, Senior Sales Consultant at Vanguard from 2019 to 2021, Annuity and Retirement Savings Specialist at Vanguard from 2018 to 2019, and as a Licensed Associate at Vanguard from 2017 to 2018. His background encompasses investment consulting, annuities, retirement savings, and financial sales. Using the resources available at Fidelity and collaborating with his team, Nicholas aims to support clients and their families in achieving investment success.

Andres Maldonado Carvallo is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. He joined LPL Financial in 2023 after four years dedicated to full-time education. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and research to support diversified investment strategies.

Sean O Donnell is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 designations and approximately four years of combined experience in the financial and educational sectors. His prior work includes roles at Vanguard Marketing Corporation, The Vanguard Group, and positions in academic institutions such as West Chester University of Pennsylvania and Bucks County Community College. 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 investment approach using proprietary models to personalize asset allocations, managing client relationships at scale through a combination of digital platforms and advisor teams.

Jack Towsen is a financial advisor at Vanguard Advisers with Series 66 and Series 63 licenses and two years of industry experience. His work history includes roles at Vanguard Marketing Corporation, The Vanguard Group, Inc., and S-S Bendure & Hartwig. Prior to his financial services career, he has varied experience including positions at Every Level Basketball LLC and Lehigh 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 incorporating proprietary models to set personalized asset allocations, with portfolios built largely from Vanguard funds and ETFs.

Robert Ramirez is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Vanguard Advisers in 2025, he worked at J.P. Morgan Chase Bank NA and J.P. Morgan Securities LLC. He is also a member of the Pennsylvania Army National Guard. 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 investment approach, constructing portfolios mainly from Vanguard funds and ETFs with various customization options.

Zhi Xi Zhang is a financial advisor with Vanguard Advisers, holding a Series 66 designation and currently in the first year of industry experience. Prior to joining Vanguard, Zhang's work history includes roles at Randstad, Pennsylvania State System of Higher Education, and The Hershey Company, among others. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. Its investment approach is goal-based and algorithm-driven, utilizing proprietary methodologies and largely Vanguard funds and ETFs to deliver personalized portfolios with tax-aware features and customization options.

Geraldine Wardle is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has been with Primerica Advisors since 1987 and Primerica Financial Services since 1991. Outside of advisory services, she is involved in sales of investment-related products and also participates in referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm uses a curated selection of third-party asset managers and a tiered wrap-fee structure, focusing on retail clients rather than institutional or pension plan management.

Christopher Batastini is a financial advisor at Vanguard Advisers with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at The Vanguard Group since 2021. His prior experience includes eight years at The Prudential Insurance Company of America and PRUCO Securities. 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 investment approach and manages portfolios mainly composed of Vanguard funds and ETFs.

David Messina is a Series 66-licensed financial advisor with 11 years of industry experience, currently affiliated with LPL Financial since 2022. His prior experience includes roles at CUNA Brokerage Services, Inc. and CUNA Mutual Group beginning in 2019, as well as positions at Charles Schwab and other firms. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, with both discretionary and non-discretionary management supported by in-house and third-party research.

Morgan Wilson is a financial advisor at LPL Financial with five years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2021. Outside of his advisory role, Wilson is involved with DeLucia Baseball Academy. LPL Financial is a national investment adviser and broker-dealer that serves individual and institutional clients, offering a range of financial planning and advisory programs along with retirement plan consulting and brokerage services.

John Nicholson Jr. is a financial advisor at Vanguard Advisers with seven years of industry experience and holds a Series 66 designation. His prior work includes roles at Equity Services Inc and National Life Group, as well as entrepreneurial experience with Perfectus Painting. He volunteers as a finance committee member for Camphill Village Kimberton Hills, a nonprofit community for adults with developmental disabilities. Vanguard Advisers offers automated and human-supported investment advice through 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 models and emphasizes portfolios constructed from Vanguard funds and ETFs with various customization and tax-aware features.

Nicholas Lennox is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 designations and having 10 years of industry experience. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2016 and has a role with Conshohocken Cards & Collectibles since 2026. 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 largely from Vanguard funds and ETFs, offering a range of customization options and serving a large client base through digital delivery and a team servicing model.

Robert Langis is a CFP® with 22 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2003. He holds the Series 63 designation and is based in Malvern, PA. Langis has spent his entire career with The Vanguard Group, Inc. 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 methodologies and primarily constructs portfolios with Vanguard funds and ETFs.

Justin Gower is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and having 22 years of industry experience. He has been with Vanguard and its related entities since 1999. 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 to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base with a high client-per-advisor ratio.

Larry Griffin is a financial advisor at Vanguard Advisers with 37 years of industry experience. His prior roles include positions at Valic Financial Advisors, Happy State Bank, and Arvest Wealth Management. He holds the Series 63 and Series 65 licenses. Vanguard Advisers provides automated and human-supported investment advice through its 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 approach with portfolios mainly composed of Vanguard funds and ETFs, offering tax-aware features and customization options.

Albert Kim is a CFP® and Series 66 credentialed financial advisor with 19 years of industry experience. He has worked at The Vanguard Group, Inc. since 2017, following prior roles at Lincoln Investment and Legend Advisory Corporation. He is based in Malvern, PA. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models to personalize asset allocations, and it manages a large client base through a combination of digital platforms and advisor teams.

Rachel Smoot is a CFP® with 11 years of experience in the financial industry. She has worked at Vanguard Advisers since 2020 and previously held positions at Econ Wealth Management, Gray Shannahan, and Northwestern Mutual Investment Management. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm combines algorithm-driven, goal-based strategies with portfolios constructed primarily from Vanguard funds and ETFs, offering a range of customization options and serving a large client base through its digital delivery model.

Francis Capriotti is a CFP® with 21 years of industry experience, currently affiliated with OSAIC since 2025. His prior roles include positions at Lincoln Financial Advisors Corporation and Citadel Federal Credit Union. He also serves as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, long-term care insurance, and traditional fixed life insurance. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a broad network of affiliated advisers and multiple platforms. The firm employs various asset-allocation tools and third-party managed-account solutions to construct portfolios across a wide range of investment types.

Eric Anderson is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with The Vanguard Group since 2006. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to portfolio construction, employing proprietary methodologies and largely utilizing Vanguard funds and ETFs.

Gregory Houp is a CFP® with 29 years of industry experience and has been with Vanguard Advisers since 1996. He holds Series 63 and Series 66 licenses and is based in Malvern, PA. He has spent his entire career at The Vanguard Group, INC. 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, managing portfolios largely with Vanguard funds and ETFs, and serves a large client base through its digital platform and team servicing model.