Divya Joshi is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and eight years of industry experience. She has been with Vanguard and its affiliated entities since 2017. 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 approach using proprietary methodologies to construct personalized portfolios mainly composed of Vanguard funds and ETFs.

Caleb Martin is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has worked at Vanguard and its affiliated entities since 2021, following prior roles at GuideStone Financial Services and Guidestone Financial Resources. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach, constructing portfolios mainly from Vanguard funds and ETFs with various tax-aware and customization features.

Mark Gordon is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2018. Prior to this, he has been affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2014. Vanguard Advisers offers 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 using proprietary methodologies and focuses on portfolios constructed mainly from Vanguard funds and ETFs.

Corey Massey is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2007. Outside of his advisory role, Massey is involved with First Steps Gym, an activity he has maintained since 2003. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, employing a goal-based, algorithm-driven approach that uses proprietary methodologies and primarily Vanguard funds and ETFs to customize portfolios. The firm operates at scale with over 2,200 advisors, focusing on digital delivery and servicing a large client base through a team model.

Christopher Horton is a CFP® with five years of industry experience, currently serving as an advisor at Vanguard Advisers. His prior work includes roles at KPMG LLP and various positions within The Vanguard Group and Vanguard Marketing Corporation. Vanguard Advisers offers automated and human-supported investment advice primarily to 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 with digital delivery to manage a large client base.

Erin Harrison is a financial advisor with Vanguard Advisers, holding a Series 66 designation and three years of industry experience. She has been with Vanguard Advisers and related Vanguard entities since 2022. Prior to this, she worked at BS Financial Advisory from 2016 to 2019. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach, constructing portfolios mainly from Vanguard funds and ETFs with various tax-aware and customization features.

Lawrence Griest is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 10 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Franklin Mint Federal Credit Union. He is involved with Mint Wealth Advisors, an investment-related business operating alongside his LPL role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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, utilizing model portfolios and research from multiple sources.

Robert Moyer is a financial advisor at Fidelity with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. Prior to joining Fidelity, he worked for 25 years at The Vanguard Group, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it holds regulatory registrations and advisory roles that distinguish it among large institutional peers.

Joseph Martemucci is a financial advisor at Vanguard Advisers with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Vernick Fish, il Posto Ristorante, and Soccer Taco, among others. 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 incorporates proprietary models and primarily Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team advisory model.

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.

Vincent Abio is a financial advisor at Ameriprise with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America and Merrill. He also maintains a dual role with S&T Financial Services. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency strategies to provide customized recommendation reports through a centralized consulting team.

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.

Evan Dupuis is a financial advisor with Mass Mutual Investors Services in Kennett Square, PA. He holds a Series 66 designation and has been in the industry since 2025. Prior to his advisory role, he worked at Christian Camps of Pittsburgh Inc. for seven years and attended High Point University. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money-manager programs, and educational seminars.

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.