Julie Baek is a Series 66-licensed financial advisor with Vanguard Advisers, based in Malvern, PA, with four years of industry experience. Prior to joining Vanguard in 2022, she worked at Comcast Corporation from 2016 to 2021. Outside of her advisory role, she manages an investment property in Philadelphia. Vanguard Advisers provides 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 to portfolio construction, utilizing Vanguard funds and ETFs along with various customization options, and is notable for its scale and digital delivery model.

Melissa Tomasic is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Jonathan Matty is a financial advisor at Vanguard Advisers with three years of industry experience. He holds the Series 66 designation and has been with Vanguard and its affiliated entities since 2023. Previously, he worked in various roles including positions at De Lage Landen and Contemporary Staffing Solutions. 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 approach with personalized asset allocations primarily constructed from Vanguard funds and ETFs, managing a large client base through its digital platform and advisor teams.

Jeremy Munoz is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. His prior experience includes roles at Merrill and Bank of America N.A. He is based in Malvern, PA. Vanguard Advisers offers automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, combining digital delivery and a large advisor team to manage a high volume of client relationships.

Noah Loser is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 and Series 63 designations and has worked within various Vanguard entities since 2021. 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 approach using proprietary models to set personalized asset allocations, primarily investing in Vanguard funds and ETFs.

Jack Winters is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 designation and two years of industry experience. Prior to joining Vanguard, he worked at All Seasons Capital & Advisory and held various roles including positions at Washington College and The Retriever Bar and Oysters. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants through its Digital Advisor and Personal Advisor services. The firm uses a goal-based, algorithm-driven approach incorporating proprietary methodologies and primarily invests in Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Lawrence Borger is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a trustee and executor for family trusts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Maxim Shishkin is a financial advisor at Vanguard Advisers with seven years of industry experience. He has been with The Vanguard Group since 2019 and previously worked at Randstad Inc, 1847 Financial, The Saloon of Newtown, Bru Craft and Wurst, and Verrecchia Construction. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s approach is goal-based and algorithm-driven, using proprietary models to set personalized asset allocations primarily through Vanguard funds and ETFs, supported by a digital platform that manages a large client base.

Nathan Hanko is a CFP® professional with 20 years of industry experience, currently serving at Vanguard Advisers. He has been affiliated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2004. Outside of his advisory role, he participates in GIGWALK, a platform for completing small jobs via a smartphone app. 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 models to set personalized asset allocations, primarily investing through Vanguard funds and ETFs.

Robert Immendorf is a CFA® charterholder with 11 years of industry experience. He has been with Wells Fargo Clearing since 2016, following two years at WELLS FARGO Advisors, LLC. He holds a Series 66 license and is based in Chester Springs, PA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader array of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Martin Bucko is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior work includes positions at Charles Schwab & Co., Inc., and E*TRADE Capital Management LLC. He is currently based in Malvern, Pennsylvania. Vanguard Advisers offers 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 models to create personalized portfolios largely composed of Vanguard funds and ETFs.

Keith Munera is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm‑approved tools, with an emphasis on advisory services rather than individual security recommendations.

Edward Staudenmayer is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate for over 20 years. Outside of his advisory work, he is the owner of a retail business called Hawk Ventures. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income and tax-aware withdrawal strategies.

Trifol Headman is a financial advisor at Vanguard Advisers with Series 66 credentials and one year of industry experience. Before joining Vanguard, he worked at Goldman Sachs & Co. LLC and H&R Block, among other roles. He is also affiliated with New York University. 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, utilizing proprietary models and primarily Vanguard funds and ETFs to tailor personalized portfolios.

Harold Scattergood Jr. is a financial advisor at LPL Financial with 55 years of industry experience. He previously worked for Boenning & Scattergood, Inc. for 53 years before joining LPL Financial in 2023. He holds Series 63 and Series 65 licenses. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and specialist services like overlay portfolio management and participant advice programs.

Matthew Kelleher is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has prior work experience including roles in higher education at Millersville University, Malone University, and Maryville College. Fidelity Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its advisory roles to registered investment companies, use of systematic methodologies, and implementation of AI and algorithmic tools in its investment research.

Brian Kelley is a CFP® with 10 years of industry experience, currently serving at Vanguard Advisers. His career includes roles at THE Vanguard Group, Inc. and Vanguard Marketing Corporation. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm’s approach combines algorithm-driven, goal-based strategies with portfolios largely constructed from Vanguard funds and ETFs, supported by a digital delivery platform and a large advisory team.

Denise Siafa is a financial advisor at Vanguard Advisers with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked at The Vanguard Group and Vanguard Marketing Corporation since 2018. Prior to joining Vanguard, she spent eighteen years at Acme Markets. 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, primarily using Vanguard funds and ETFs, and serves a large client base through a combination of digital delivery and advisor support.

Mary Franks is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2013. She has been associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 1999. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm’s approach employs goal-based and algorithm-driven portfolio management, utilizing proprietary methodologies and primarily Vanguard funds and ETFs.

Gerald Dowling is a financial advisor with LPL Enterprise holding a Series 66 designation and six years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advising, he maintained a longstanding role at Maggiano's Little Italy for over a decade. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to various investment and insurance products through an integrated platform combining advisory programs with brokerage and insurance sales.