William Gruehn is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA. He holds Series 63 and Series 65 licenses and has nine years of industry experience, all with Mass Mutual and its subsidiary. Outside of his advisory role, he is also licensed as an insurance agent specializing in individual and group life insurance. 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 utilizes collaborative, software-assisted planning tools to deliver written recommendations across various investment categories and offers specialized planning services such as divorce and estate settlement.

Robert Castillo Espinal is a financial advisor with Vanguard Advisers, holding a Series 66 designation and seven years of industry experience. Prior to joining Vanguard, he worked at Merrill Lynch for one year and has held several roles in education boards and institutions. He is based in Malvern, PA. 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 employs a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs.

Satyam Desai is a Senior Resident Director and Wealth Management Advisor at Merrill. He focuses on comprehensive wealth management services, including corporate executive services, executive and equity compensation, and managing new wealth. Satyam emphasizes a personalized approach, collaborating closely with clients to tailor financial strategies that align with their long-term goals and risk tolerance. Before joining Merrill in 2014, Satyam was a director at Morgan Stanley for eight years. He holds a Bachelor's degree from Michigan State University and has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Equity Plan Consultant (EPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Additionally, he served on the Philadelphia Chapter Board of the National Association of Stock Plan Professionals from 2012 to 2015. Satyam resides in Ardmore, Pennsylvania, with his wife and three children. Outside of his professional work, he is involved in community organizations such as Havertown Little League, Jewish Relief Agency, and We Not Me (formerly Mission 5&2). He enjoys coaching youth basketball, playing basketball, gardening, bowling, and golfing.

Sharnise Gadsden is a financial advisor at Vanguard Advisers with 13 years of industry experience. She holds the Series 63 and Series 65 designations and has been with The Vanguard Group, Inc. since 2013. Prior to that, she worked at Macy’s from 2012 to 2016. 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 approach utilizing proprietary methodologies and primarily invests in Vanguard funds and ETFs.

Gary Baker is a financial advisor with Merrill in Wayne, PA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been associated with Merrill Lynch since 2007 and Bank of America since 2011. Outside of his advisory role, Baker serves as a head wrestling coach at Conestoga High School and is an advisory board member of Beat the Streets Philadelphia, a nonprofit focused on academic tutoring and wrestling programs for underprivileged youth, as well as a general partner in a creative LLC developing screen-print characters. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a wide range of products and services beyond traditional investment management.

Susan Butler is a financial advisor with Merrill in Wayne, PA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has been with Merrill since 1987 and has also worked at Bank of America since 2015. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a wide array of investment products and services.

Derik Semetti is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at Mass Mutual Life Insurance Company and Northwestern Mutual. He has also worked in media with Your Town Magazine and held an academic role at West Chester 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 construct personalized portfolios mainly from Vanguard funds and ETFs, leveraging scale and digital delivery to serve a large client base.

Shona Furman is a financial advisor with Primerica Advisors in Wayne, PA, holding Series 63 and Series 65 licenses with four years of industry experience. Her prior work includes 15 years with the City of Philadelphia and multiple roles at PFS Investments Inc. and Primerica Financial Services. Outside of advising, she is involved in the sale of home security and automation products as well as loan products through related Primerica affiliates. Primerica Advisors is a large-scale institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a discretionary wrap-fee asset management program utilizing model-delivery strategies managed by unaffiliated asset managers and supported by custodial and trade execution services.

Mark Freilich is a financial advisor with LPL Financial in Collegeville, PA, holding Series 63 and Series 65 registrations and 28 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with investment options including discretionary and non-discretionary management, model portfolios, and direct indexing.

Nico Echevarria is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. In this role, he assists clients in working towards their lifetime financial goals through benefits review, equity compensation, wealth planning, and guidance. He has been with Fidelity Investments since 2020, serving in various capacities including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Nico worked as an Investment Advisor Representative at Brandywine Financial Group from 2018 to 2020, and as a Hardship Determination Administrator at Vanguard from 2015 to 2018. He holds a California insurance license. Outside of his professional career, Nico enjoys family activities, football, movies, music, and parenthood.

James Adamus is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and 10 years of industry experience. He has been with The Vanguard Group, Inc. since 2015. 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 investment approach employing proprietary models and primarily Vanguard funds and ETFs, managing a large client base through a digital platform complemented by a team servicing model.

Daniel Tauriello is a CFP® with five years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Malvern, PA. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as prior experience with LPL Financial and Private Advisor Group. Vanguard Advisers offers both automated and human-supported investment advice through digital and personal advisor services, focusing on retail investors and employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models and largely Vanguard funds and ETFs to deliver scalable, customized portfolio solutions.

Robert Mcmaster is a financial advisor with MassMutual Investors Services in Newtown Square, PA, holding Series 63 and Series 65 designations and 26 years of industry experience. He has worked with MassMutual Investors Services since 2017 and previously spent 15 years with MetLife Securities. In addition to his advisory role, he is involved in individual and group life and health insurance sales. MassMutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes technology-driven planning tools and provides event-driven planning services such as divorce and estate-settlement planning.

Martin Dempsey Jr. is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses, and has 35 years of industry experience. He has been with LPL Financial since 1997. His other business activities include involvement in the sale of non-variable and fixed insurance products through Dempsey & Associates. 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, with discretionary and non-discretionary management supported by research and model portfolios.

Christine Stefanou is a financial advisor with Ameriprise in Malvern, PA, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she is involved in a family-owned software company and has an ownership interest in a rental property business through an LLC. Ameriprise serves primarily high-net-worth individuals approaching or in retirement, offering retirement-income planning services that include written recommendation reports and a combination of research, modeling, and tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical for a large institutional financial services company.

Jesse Billela is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 63 and Series 66 credentials and has worked at multiple firms including Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach combines goal-based, algorithm-driven strategies with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large-scale digital platform and a team servicing model.

Richard Baker is a financial advisor at Vanguard Advisers with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. He has been with Vanguard Group since 2019. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach and constructs portfolios mainly from Vanguard funds and ETFs, offering customization options and tax-aware features.

Michael Marotta is a Wealth Management Advisor specializing in serving both young couples embarking on their financial journeys and older clients preparing for retirement. He works at Merrill Lynch Wealth Management and has over 12 years of experience in the financial services industry. Michael focuses on areas including college education planning, corporate retirement plan services, divorce transition planning, legacy planning, personal retirement planning, portfolio management, socially responsible investing, tax minimization, and retirement income strategies. Since earning his bachelor's degree from Georgetown University in 2011, Michael has committed himself to understanding his clients' core goals and concerns, identifying any gaps that may exist in their financial plans. He emphasizes a disciplined, process-driven approach highlighting saving early, wealth compounding, tax mitigation, and preparation for pivotal financial decisions. His expertise is supported by professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Michael is a member of the Delaware County Estate Planning Council. Outside of work, he enjoys spending time with his wife Carter and their children, along with activities such as golf, traveling, cooking, baseball, basketball, football, reading, and watching movies.

Steven Yarborough is a CFP® professional with 25 years of experience in the financial industry, currently serving at Vanguard Advisers since 2013. He also holds Series 63 and Series 65 licenses and has been involved with Vanguard Marketing Corporation and The Vanguard Group since 2011. Outside of his advisory role, Yarborough serves as a hockey referee for USA Hockey. Vanguard Advisers provides automated and human-supported investment advice through Vanguard Digital Advisor 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 utilizing proprietary methodologies and focuses on scalable digital delivery supported by a large advisory team.

Jina Leonardi is a financial advisor at Vanguard Advisers with three years of industry experience. She holds a Series 66 designation and has worked at multiple Vanguard affiliates since 2022. 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, emphasizing scale and digital delivery through its extensive advisory team.