Ryan Waddell is a CFP® with 14 years of industry experience and has been with The Vanguard Group, Inc. since 2015. He holds Series 66 and Series 63 licenses and is based in Malvern, PA. 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 using proprietary models and constructs portfolios primarily from Vanguard funds and ETFs, providing a range of customization options.

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 Series 66-licensed financial advisor with Merrill, based in Wayne, PA, and has six years of industry experience. She has worked at Bank of America, N.A. since 2018 and has been affiliated with Merrill since 2001. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of discretionary and model-based investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

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.

Brandon Ross is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has worked at The Vanguard Group since 2018 and previously held positions at Wells Fargo Clearing, Wells Fargo Bank, Bank of America, and Merrill. Outside of his advisory role, he owns a rental property in Philadelphia. 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 and primarily constructs portfolios from Vanguard funds and ETFs, offering a variety of customization options and serving a broad client base through its large advisor team and digital platform.

Carmen Sinker is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 credential. They have been with Vanguard Advisers and affiliated Vanguard entities since 2026. Prior to this, Carmen has work experience across several industries and roles, including positions at Bucknell University and the Pennsylvania Liquor Control Board. 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 approach using proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Shanee Abbott is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 66 and Series 63 licenses and having three years of industry experience. She has worked at The Vanguard Group and Vanguard Marketing Corporation since 2022, following prior roles at Mutual of Omaha and Wells Fargo Bank. 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 set personalized asset allocations and manages portfolios largely composed of Vanguard funds and ETFs.

Eric Donohue is a financial advisor with MassMutual Investors Services holding a Series 66 designation and six years of industry experience. He has worked at MassMutual Investors Services and MassMutual Life Insurance Co since 2019. Prior to this, he was employed by PeopleMetrics, Inc. and Cardone Industries, and also spent time at Temple University. Outside of his advisory role, he is active as a licensed insurance agent. MassMutual Investors Services 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 offers collaborative, annual planning relationships, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Benjamin Geise is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 66 and Series 63 licenses and four years of industry experience. He has worked at several related Vanguard entities since 2022. Outside of finance, he teaches guitar and bass lessons at Music and Arts in Ardmore, PA. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and advisor teams.

Paul Santoro is a CFP®-credentialed financial advisor with 13 years of industry experience. He has worked at Vanguard Advisers since 2019 and is also affiliated with The Vanguard Group, Inc. Outside of his advisory role, he was involved with Tableart & KPW Productions from 2018 to 2023. 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 approach with portfolios primarily composed of Vanguard funds and ETFs, offering various customization options and managing a large client base with a digital delivery model.

Arshan Abid is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked primarily with Wells Fargo entities since 2015, including a two-year tenure at The Vanguard Group. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven, grounded in modern portfolio theory, and offers both non-discretionary and discretionary services tailored to plan objectives and risk tolerances.

David Bentley is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides planning through Financial Advisors and specialized groups such as Estate Planning Strategies.

Sean Vasey is a CFP® professional with 15 years of industry experience, currently serving at Vanguard Advisers since 2014. He has held various roles within The Vanguard Group and its affiliates since 2011. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that incorporates proprietary methodologies and Vanguard funds to personalize asset allocations. The firm manages a large client base through a combination of digital delivery and advisor support.

Steven Callaghan is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with Vanguard Advisers since 2017 and also worked at Temple University for one year prior. 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 utilizing proprietary models to create personalized asset allocations and manages a large client base through its digital platform and extensive advisor team.

Ashley Woodcox is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. Prior to joining Vanguard, Ashley worked for ten years at Marriott International Corporation. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach utilizes proprietary models to create personalized asset allocations primarily composed of Vanguard funds and ETFs.

Zachary Pyers is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 credential and possessing three years of industry experience. Prior to joining Vanguard Advisers in 2026, he worked with Macquarie Investment Management Business Trust and Delaware Distributors, L.P. from 2022 to 2025. He has also been involved with City Year and operated a landscaping business, Songbird Landscapes. Vanguard Advisers provides both 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 and manages a large client base through a combination of digital platforms and a sizable advisory team.

Gino Stone is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has been with Vanguard-affiliated entities since 2022. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, offering tax-aware and customizable features.

Jacob Baumann is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and previously worked at New York Life Insurance Company and NYLIFE Securities LLC. Outside of advising, he is involved with XGolf, an indoor golf entertainment business. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and ongoing collaborative planning relationships to deliver written recommendations focused on investment categories and strategies.

David Correale Jr. is a CFP® professional with 15 years of experience in the financial services industry. He has been with Wells Fargo Clearing since 2016 and worked previously at Wells Fargo Advisors, LLC. Based in Newtown Square, PA, he holds the Series 66 designation. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kyle Thomas is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and six years of industry experience. He has been with The Vanguard Group since 2019 and previously worked at Werner Company, General Electric, and Montgomery Truss and Panel. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.