Joseph Kucharczuk is a CFP® with 30 years of experience in the financial industry, currently serving at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 1987. Outside of his advisory role, he acts as an agent for immediate family members in investment matters. 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 approach to portfolio construction, utilizing proprietary models and largely Vanguard funds and ETFs.

Salvatore Kaufman is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and less than one year of industry experience. His prior experience includes three years at JR Capital and several years in educational roles at Arizona State University and Strath Haven schools. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual financial planning engagements using firm-approved analytical tools and offers specialized programs including estate settlement and employer-sponsored planning.

Alain Boletta is a CFP® professional at Morgan Stanley with 19 years of industry experience. His prior roles include positions at The Vanguard Group and Lincoln Investment. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of retail and institutional investment solutions.

John Lang is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and three years of industry experience. He has previously worked at Comcast Cable and currently has a role at SWIG, LLC, where he serves at retail events. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios largely constructed from Vanguard funds and ETFs.

James Pepe is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stephen Collins is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for Cuna Mutual Group and Cuna Brokerage Services, Inc. for 22 years. 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, financial planning, retirement consulting, and brokerage services, with both discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Estelle Bonnet is a financial advisor at Vanguard Advisers with 15 years of industry experience. She holds the Series 66 and Series 63 designations and has worked in various roles within Vanguard entities since 2006, including her current position starting in 2023. Bonnet’s background includes experience at Randstad and DaVita Kidney Care. 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 using Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and advisory team model.

Marc Apfelbaum is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2019. He has six years of industry experience, including previous roles at Miller Transportation Group and Penske Truck Leasing. Outside of finance, he is associated with Black Hog Brewing LLC, a brewery located in Oxford, Connecticut. Edward Jones is a full-service wealth management firm serving individual and institutional clients with both discretionary and non-discretionary investment strategies. The firm has a large national presence, managing over $1 trillion in assets through a network of more than 23,000 financial advisors and 15,000 branch offices.

Anittah Patrick is a Financial Advisor at Merrill Lynch Wealth Management, specializing in services for endowments, foundations, non-profits, women and wealth, and tax minimization. She approaches financial planning with analytical rigor and practical execution to help clients clarify complexity and build financial systems that support their evolving lives. She holds a Personal Investment Advisor (PIA) designation and received her education from Yale University and The Indiana Academy for Science, Mathematics, & Humanities. Anittah focuses on helping clients make confident financial decisions that consider opportunity, time, and tradeoffs, aiming to create freedom and possibilities that foster long-term well-being. Anittah is involved with the Yale Alumni Association and balances her professional work with personal interests that include basketball, gardening, genealogy, hiking, reading, spending time with family, and writing.

Angela Dahlman is a financial advisor at Vanguard Advisers with five years of industry experience. She holds a Series 66 designation and has worked at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation since 2023. Outside the financial industry, she owns Organize Your Biz, LLC, a business organizing homes and offices. 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 and offers portfolios constructed mainly from Vanguard funds and ETFs.

Peter Klein is a financial advisor with MassMutual Investors Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Herman Goldner Company, West Chester University, and Cardinal Ohara. Klein also owns Klein Consulting, LLC, a pass-through entity for commissions. MassMutual 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, employing firm-approved software to deliver written recommendations in a collaborative annual planning process.

Anthony Scarpino is a financial advisor at MassMutual Investors Services with Series 66 credentials and one year of industry experience. His prior roles include positions at American Settlement Funding and DRB Capital. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs collaborative, goal-based planning using firm-approved analytical tools and offers specialized programs including divorce planning and estate-settlement services.

Jeremy Losinno is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and having 22 years of industry experience. He has been with Vanguard Advisers since 2022 and also operates vlogs, including "Oink Cluck Moo BBQ Vlog" and "J.Lo and S.Lo Vlog." Additionally, he serves as president and board member of Crestwood Swimming Pool. Vanguard Advisers offers 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 using proprietary models to create personalized portfolios primarily constructed from Vanguard funds and ETFs.

Jared Crouse is a CFP® professional with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2016. His background includes a prior role at WELLS FARGO Advisors, LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kyle Cooney I is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and four years of industry experience. His prior work includes roles at Northwestern Mutual and various positions in education and retail before joining Vanguard in 2022. He is based in Malvern, PA. 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 and offers portfolios largely comprised of Vanguard funds and ETFs, with customizable options including ESG preferences and tax-aware features.

Jesse Valencia is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. Prior to joining Vanguard in 2022, he worked at TD Bank and held positions in education at Downingtown Area School District and Daniel Boone High School. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes proprietary models to develop personalized asset allocations. The firm manages a large client base through a combination of digital delivery and advisor teams, with portfolios constructed mainly from Vanguard funds and ETFs.

Kai Calabretta is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He previously worked as an Investment Solutions Representative at Fidelity Investments from 2021 to 2024. Prior to joining Fidelity, Kai was an Onboarding Specialist at The Vanguard Group in 2021 and served as a Licensing and Commissions Representative at Pacific Life from 2019 to 2020. Kai values clients' opinions and experiences to better understand their individual situations. His professional background includes experience in investment solutions, client onboarding, and licensing and commissions within the financial services industry. Outside of his professional work, Kai has interests in art, fitness, playing musical instruments, visiting museums, and snowboarding.

Keval Nagda is a CFP®-certified financial advisor with seven years of industry experience, currently with Vanguard Advisers. His prior roles include positions at Cetera Wealth Services and Diamond State Financial Group. Nagda holds a Series 66 license and is based in Malvern, PA. Vanguard Advisers offers 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 utilizing proprietary methodologies and Vanguard funds and ETFs, serving a large client base with a mix of digital and advisor-supported services.

Logan Rindock is a financial advisor at Raymond James & Associates with one year of industry experience. He holds the Series 66 designation and has prior work experience at Muhlenberg College and Skrapits HVAC & Refrigeration. Outside of his advisory work, he operates an online collectibles business, selling items through live auctions on Whatnot.com. Raymond James & Associates provides financial planning and investment consulting services to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supporting both retail and institutional clients through various advisory programs.

Thomas Eybye is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He has been assisting individuals and families in pursuing their financial goals since 2012. Thomas emphasizes the importance of a comprehensive written financial plan as a foundation for financial decision-making and confidence. Thomas's expertise includes family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He takes a personalized approach by getting to know his clients and understanding their priorities to develop strategies aligned with their goals. His professional designation is Personal Investment Advisor (PIA). Thomas holds a Bachelor's Degree from the University of Delaware and a Master of Business Administration (MBA) from the State University of New York System. He is fluent in English, Spanish, and German. Outside of his professional role, Thomas enjoys camping, hiking, music, reading, running, spending time with his family, and traveling.