Zachary Oser is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. He previously worked at Bank of America and has a background that includes teaching positions at Temple University, North Penn High School, and Pennbrook Middle School. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, employing model-based and discretionary investment strategies developed by internal and third-party managers.

Ratnadeep Damle is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on understanding clients' financial and life priorities to customize strategies that align with their goals. His expertise includes college education planning, international wealth management, legacy planning, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Before joining Merrill, Ratnadeep managed the international division of an aerospace software company. He holds a Bachelor's Degree from the Massachusetts Institute of Technology and a Master's Degree from Columbia University. He carries the Personal Investment Advisor (PIA) designation. Ratnadeep is involved with community organizations such as Civil Air Patrol, CyberPatriot, and the MIT Alumni Group in the Delaware Valley Region. He speaks English, Marathi, French, Hindi, German, and Japanese. His personal interests include hiking, music, reading, singing, spending time with family, traveling, and yoga.

Keith Lecky is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation. Prior to his current role, he worked in education at several schools including Bayard Rustin High School and Stetson Middle School. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and provide written recommendations.

Kate Lauer is a financial advisor at Vanguard Advisers with 13 years of industry experience. She holds Series 66 and Series 63 licenses and has been with Vanguard entities since 2013. Outside of her advisory role, she serves as a power of attorney for immediate family members. 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 investment approach with portfolios largely constructed from Vanguard funds and ETFs, emphasizing personalized asset allocation and tax-aware strategies.

Lisa Bolten is a financial advisor at Vanguard Advisers with four years of industry experience. She holds a Series 66 designation and has previously worked at Northwestern Mutual Life Insurance Company and O'Meara Financial Group. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach to set personalized asset allocations and manages a large client base through a digital platform supported by over 2,200 advisors.

James Cleary is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and a Series 63 license. He has 43 years of industry experience, including prior roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, Cleary acts as an agent in non-registered insurance brokerage and life settlements, and serves as a trustee for multiple family trusts. MassMutual 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 uses detailed client data and proprietary software to develop written financial plans, offering a range of event-driven planning services and educational programs.

Hanna McCarthy is a financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones, she worked at Johnson & Johnson for three years and was self-employed for five years. Outside of her advisory role, Hanna teaches yoga classes weekly at local fitness centers and is a co-owner of a print advertising business in West Chester, PA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of investment strategies and affiliated services, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and tax-efficient overlay services.

Benjamin Yeager is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 66 license. He has 16 years of industry experience, including roles at Mass Mutual Investors Services since 2017 and MassMutual Life Insurance Co since 2016. Outside of his advisory work, he operates a financial services LLC that brokers insurance products and manages assets. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap programs, and educational seminars, focusing on collaborative annual planning engagements using firm-approved analytical tools.

Mc Cafferty Gray is a Series 66-licensed advisor with Vanguard Advisers, based in Malvern, PA. Gray has been with Vanguard Advisers and related Vanguard entities since 2025. Prior to joining Vanguard, Gray held roles in academia and the winery business, including positions at West Chester University and Penns Woods Winery. 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 to asset allocation, managing portfolios using Vanguard funds and ETFs, with a range of customization options and a high client-to-advisor ratio supported by its digital platform and team servicing model.

Christopher Haley is a financial advisor with Vanguard Advisers, holding Series 65 and Series 66 licenses and having one year of industry experience. He previously worked at Florida Financial Advisors and has a background that includes roles at Accenture, Schnader Harrison Segal & Lewis, and Drexel University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans through its digital and personal advisor services. The firm uses a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs, offering customization options and tax-aware strategies.

Victor Altadonna is a Financial Advisor and partner of a wealth management group in the Philadelphia area, where he works with affluent individuals and families to address their financial goals and streamline their wealth management services. He provides guidance in areas including tax, estate, and education planning, with a focus on helping clients preserve and grow their wealth. Victor's areas of expertise include family wealth management strategies, institutional and corporate benefit services, portfolio management services, small business strategies, and individual and corporate investment strategy. Victor holds a Bachelor of Science degree from Pennsylvania State University and has earned several professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA). He is committed to ongoing professional education to stay informed about market changes and new opportunities for his clients. His approach emphasizes personalized financial strategies tailored to individual goals. Outside of his professional work, Victor is involved with the Ed Snider Youth Hockey & Education program and enjoys spending time with his wife Jamie and son Dominic. His personal interests include fishing, golfing, hiking, and scuba diving.

Brian Skahill is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at The Vanguard Group and TD Bank. Outside of financial services, he works as a delivery driver for Chick-fil-A. 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 comprised of Vanguard funds and ETFs.

Zachary Miles is a Series 66-licensed financial advisor at Vanguard Advisers with one year of industry experience. Before joining Vanguard, he worked at SEI Investments Company and was involved with the PA Rebels Baseball Academy. 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 centered on proprietary models and Vanguard funds.

Justin Schwenk is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Vanguard MARKETING CORPORATION, The Vanguard Group, Customers Bank, and East Coast Dehydrators. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm's goal-based, algorithm-driven approach uses proprietary models to create personalized portfolios mainly composed of Vanguard funds and ETFs, supported by a large team that manages a high volume of client relationships.

Robert Creamer is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 65 and Series 63 credentials and nine years of industry experience. He has worked previously at Wells Fargo Clearing, Wells Fargo Bank, Key Investment Services LLC, KeyBank, Citizens Bank, and Citizens Securities, Inc. Outside of his advisory role, he is a landlord and owner of rental property. 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 portfolios primarily composed of Vanguard funds and ETFs, supported by a digital platform that serves a large client base with a team servicing model.

Jessica Kienle is a financial advisor at Charles Schwab with 18 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at TD Ameritrade, TIAA-CREF, and Fidelity. Kienle is also a volunteer board member for the West Chester University Foundation. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, and custody services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized operational and supervisory infrastructure.

Ryan Waddell is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has worked at The Vanguard Group since 2015 and previously spent four years with Equitable Advisors. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm’s approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized asset allocations primarily using Vanguard funds and ETFs.

Judith Martinez is a financial advisor at Vanguard Advisers with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Vanguard entities since 1995. She 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 to portfolio construction, leveraging Vanguard funds and ETFs alongside tax-aware strategies and customization options.

Beatriz Gomez is a financial advisor with Merrill in Wayne, PA, holding a Series 66 designation and six years of industry experience. She has been with Merrill since 2001 and worked at Bank of America, N.A. since 2021. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Brenden Schlotzhauer is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His background includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as experience outside the financial industry in various service and manufacturing positions. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, combining proprietary algorithm-driven portfolio construction with a focus on Vanguard funds and ETFs. The firm manages a large client base using a scalable digital platform complemented by a team servicing model.