Robert Clayton is a CFP® with five years of industry experience, currently affiliated with Mass Mutual Investors Services in Exton, PA. His prior work includes positions at Equitable Advisors, Merrill Lynch, Temple University, and the University of Pittsburgh. Outside of finance, he has worked in the hospitality and service industries, including roles at The New Deck Tavern and McKenzie Brewhouse. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, with a focus on collaborative, goal-based planning using firm-approved analytical tools.

Irma Elizabeth Carrillo Rodriguez is a financial advisor with Vanguard Advisers holding a Series 66 designation. She has been with Vanguard and its affiliated firms since 2025. Prior to joining Vanguard, she held various roles including positions at Vestedin and Fox School of Business at Temple University. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s approach combines goal-based, algorithm-driven asset allocation with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large advisory team and a digital delivery platform.

Adam Hartzell is a financial advisor at LPL Financial with 16 years of industry experience. He holds a Series 66 designation and has previously worked at PFG Advisors, LLC. He has been associated with LPL Financial and Diamond Credit Union since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charities through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, with access to model portfolios, third-party research, and various investment strategies.

Donald Gilmour III is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Vanguard Advisers since 2015 and also has experience with Vanguard Marketing Corporation and The Vanguard Group, Inc. Gilmour serves as a power of attorney and full agent for immediate family members in investment-related matters. 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 portfolios mainly from Vanguard funds and ETFs, offering a high level of digital delivery and customization options.

Lynda Commale is a financial advisor at Vanguard Advisers with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at The Vanguard Group, Inc. since 2011. Outside of her advisory role, she has been contracted as a delivery driver for DoorDash. 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 methodologies and primarily invests in Vanguard funds and ETFs.

Gerard Leyden is a CFP® professional with 33 years of industry experience, currently with Vanguard Advisers since 2025. He has been associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 1991. 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, utilizing proprietary methodologies and mainly Vanguard funds and ETFs to create personalized portfolios.

Thomas Pancoast Jr. is a financial advisor with LPL Financial in Malvern, PA, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Morgan Stanley, MPB Wealth Management, Raymond James & Associates, and Lord Abbett. He also has experience outside the financial sector at Pancoast Construction and worked at Penn State for five years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management with support from internal and third-party research.

Cynthia Hill is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC, where she worked for a combined 17 years before joining her current firm. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Jared Demarco is a financial advisor at Vanguard Advisers with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles at Vanguard since 2021. Outside of his advisory work, he is contracted as a food delivery driver with DoorDash. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios heavily weighted toward Vanguard funds and ETFs.

Joseph Caufield is a Certified Financial Planner® (CFP®) with 20 years of industry experience. He has worked at The Vanguard Group, Inc. since 2005. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs.

Brandon Boekel is a CFP® with 13 years of industry experience, currently serving at Vanguard Advisers. He has been with Vanguard marketing Corporation and The Vanguard Group, Inc. since 2013. Brandon is based in Malvern, PA. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm utilizes a goal-based, algorithm-driven investment approach with portfolios primarily composed of Vanguard funds and ETFs.

Fran DePiano is a Vice President and Financial Consultant at Fidelity Investments, where she has been serving since 2020. In her role, she partners with individuals and families to develop financial plans tailored to their unique needs and goals. Fran emphasizes transparency and prioritizing client interests in her advisory approach. Prior to her current position, Fran was a Financial Consultant at Fidelity Investments from 2020 to 2025. She also held the role of Director at SEI from 2015 to 2020 and worked as an Investment Consultant at Brinker Capital from 2008 to 2015. Fran is a Certified Financial Planner, which supports her commitment to providing knowledgeable financial guidance.

Eric Dewees is a financial advisor with Vanguard Advisers, holding Series 63, 65, and 66 licenses and bringing 19 years of industry experience. He has been with The Vanguard Group since 2006. 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 constructed from Vanguard funds and ETFs. The firm is notable for managing a large client base through its digital platform and team servicing model.

Paul Gebhardt is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at various Vanguard entities since 2020 and previously was employed at Penn State Abington from 2016 to 2019. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach and portfolios primarily composed of Vanguard funds and ETFs. The firm is notable for its large scale and digital delivery platform, managing a high volume of client relationships across a range of personalized investment solutions.

Samuel Earley is a financial advisor at Vanguard Advisers with a Series 66 designation and three years of industry experience. His career includes roles at Aspire Technology Partners and teaching positions at Temple University and La Salle University. He also worked at Jericho National Golf Club for three years. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and primarily Vanguard funds and ETFs.

Gary Hoenig is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 19 years of industry experience. He has previously worked at Putnam Investments and Ash Brokerage before joining Raymond James and Brandywine Valley Financial Services, where he is currently employed. Outside of advisory work, he is involved with Brandywine Valley Financial Services in a non-investment support role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and nonprofit organizations. The firm offers non-discretionary planning tailored to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Richard Gostkowski is a CFP® and holds a Series 66 license, serving as a financial advisor at Edward Jones in West Chester, PA, with 13 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products under a fiduciary standard.

John Ebner is a CFP® professional with 22 years of industry experience, currently with Vanguard Advisers in Malvern, PA. He has worked at The Vanguard Group, Inc. since 2004. Vanguard Advisers offers 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 to set personalized asset allocations primarily composed of Vanguard funds and ETFs, supported by a large team of advisors and a digital delivery platform.

Dimitry Belokopyty is a financial advisor with Ameriprise in Exton, PA, holding a Series 66 designation and 15 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2010. He serves on the Planning Commission for Thornbury Township in Chester County, advising on land development matters. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written reports and annual advice focused on income sources and tax-aware withdrawal strategies.

Shawn Dassel is a CFP® with eight years of industry experience, currently serving as an advisor at Vanguard Advisers in Malvern, PA. He has been with The Vanguard Group since 2006, holding various roles within the firm over a 17-year span. Vanguard Advisers provides 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 investment approach that incorporates proprietary models and largely invests through Vanguard funds and ETFs.