Jonathan Oh is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. He has been with The Vanguard Group since 2015 and previously worked at Syndicate Sports from 2017 to 2019. Vanguard Advisers offers 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 constructed from Vanguard funds and ETFs. The firm manages a large client base through its digital platform and team servicing model, focusing on retail and plan participants.

Jill Angstadt Truesdell is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has worked since the beginning of her career in 1993. She specializes in working with high-net-worth individuals and their families, focusing on personalized wealth management strategies including investment management, retirement planning, estate services, and tax planning. Jill was a founding member of The HART Group in 2005, which has developed into one of Delaware's largest financial advisory practices. Jill is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. She earned a Bachelor of Science degree in Accounting from the University of Delaware. Jill lives in Wilmington, Delaware with her husband, Don, and their two children, Trey and Jillian.

John Timko is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been employed by The Vanguard Group, Inc. since 2005 and also works as a football coach for the West Chester Area School District. 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 integrates proprietary models and Vanguard funds to tailor asset allocations.

Paul Bechly is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds the CFP® and CFA® designations and has worked at Morgan Stanley Private Bank, N.A. since 2015, and Morgan Stanley Smith Barney LLC since 2009. Outside his advisory role, he is involved with Bizybiz LLC, a consulting firm, and serves as an arbitration panel member for FINRA. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, emphasizing structured financial planning and utilizing firm-approved tools to model outcomes. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Gustavo Gutierrez is a financial advisor with Merrill in Wayne, PA, holding a Series 66 designation and 25 years of industry experience. He has been with Merrill since 2013 and with Bank of America, N.A. since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s services are integrated with Bank of America’s broader platform, including access to lending, custody, and trading products.

Talene Brinker is a financial advisor with LPL Financial, holding a Series 66 designation and eight years with the firm. She has two years of industry experience and previously worked at Brookside Bagels & More and Neumann University. Brinker also serves as a notary through her affiliation with Brinker Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with a focus on both discretionary and non-discretionary management strategies.

Christopher Griffin Jr. is a Series 66-licensed financial advisor with four years of industry experience, currently serving at Vanguard Advisers. His prior experience includes roles at several State Farm agencies and Allstate, as well as positions in education at Montgomery County Community College and Cabrini University. 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 approach using proprietary models to personalize asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Benjamin Dillon is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and four years of industry experience. He has worked at The Vanguard Group since 2021 and also serves as a server at Manayunk Brewing Company. 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 primarily composed of Vanguard funds and ETFs.

Charles Cutshall is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has worked at Merrill since 1997 and at Bank of America, N.A. since 2011. Outside of his advisory role, Cutshall serves as vice president of Love Kidder Township, a nonprofit focused on environmental wellbeing, and operates a fly fishing guide business. He also works as a swim class instructor at a local health club. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm employs model-based and discretionary investment strategies integrated with Bank of America’s broader corporate platform.

Michael Antoni is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2018, following two years at Gagliardi Insurance Services. Outside of his advisory role, Antoni serves as an assistant hockey coach at Drexel University and acts as a co-trustee for a charitable trust. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through both non-discretionary and discretionary advisory programs, with a notable presence in public finance and municipal services.

Paul Gibler is a financial advisor with Ameriprise, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Ameriprise and its predecessor, American Express Financial Advisors Inc., since 1993. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to provide tailored, non-discretionary retirement recommendations through a centralized consulting team.

Roberto Calderon is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. In his role, he serves successful professionals, business owners, and families by helping them navigate financial complexities and make informed wealth management decisions. His approach focuses on enhancing the efficiency of clients' financial lives by identifying opportunities, preventing costly errors, and organizing the various components of their financial landscape. Roberto's expertise covers areas including college education planning, executive and equity compensation services, family wealth management strategies, personal retirement planning, portfolio management, small business strategies, special needs planning, tax minimization, and retirement income. He holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations and earned a bachelor's degree from Florida International University. Roberto is fluent in English and Spanish. Outside of his professional duties, Roberto enjoys engaging in sports such as tennis, padel, golf, and volleyball, and spends time experimenting with new recipes in the kitchen. He is also involved with The Ability Experience community organization.

Carmine Ciccolella is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1994. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Carmine specializes in retirement planning strategies, fixed income portfolio construction, and wealth management for affluent individuals and small business owners. His approach emphasizes preservation of capital, cash flow, and tailoring recommendations to align with each client’s income and growth objectives. Carmine holds a Bachelor of Science degree from the United States Naval Academy and a Master of Science degree from Golden Gate University. Following his graduation in 1986, he served as a Naval Officer for seven years, gaining experience in financial and logistics responsibilities. His professional focus includes family wealth management, liquidity management, tax minimization, investment planning, and estate transfer strategies. Carmine works closely with a Registered Wealth Management Client Associate to provide comprehensive financial advisory services. Residing in Hockessin, Delaware, Carmine is married with two sons. He is active in his local church and alumni association groups. Outside of work, he enjoys baseball, golfing, reading, and spending time with his family.

Kevin Brandt is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a range of advisory programs and institutional relationships.

Eric Donato is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and two years of industry experience. His prior roles include positions at Envestnet, Massachusetts Mutual Life Insurance Co., and CREATIVE Financial Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Miles Nissly is a financial advisor at LPL Financial with two years of industry experience. He previously worked at Covenant Wealth Strategies, Liberty University, Ameriprise Financial, and Hudson Ford. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

Bradley Foy is a CFP® professional with 26 years of industry experience, currently affiliated with Raymond James Financial Services Advisors. He has held roles at various firms including Bassett, Dawson & Foy Inc. and Life Brokerage LLC. Foy serves on the advisory board of Fancaster Inc., providing strategic advice on company direction. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm provides tailored, mostly non-discretionary advisory services supported by risk-based reviews and offers specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Steven Kaplan is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with MetLife Securities Inc. from 2015 to 2017. Kaplan is also involved in consulting through Mindshift Consulting LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using technology-driven analysis tools as part of collaborative annual planning engagements.

Robert Bechtold is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc., Securities America, Inc., and Securities Service Network. In addition to his advisory role, he operates an investment advisory business under the name WL Bechtold & Co. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to support portfolio construction and management.

Francesco Carafa is a financial advisor at Vanguard Advisers with credentials including Series 63 and Series 66. He has held various roles since 2014 at firms including PNC Investments, National Life Group, and The Barclay Group. He has also been self-employed since 2022 and has experience with multiple Vanguard affiliates. 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 investment approach centered on personalized asset allocations primarily constructed from Vanguard funds and ETFs, supported by a large team of advisors and a digital delivery platform.