David Freiman is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. His career includes roles at Wells Fargo Bank and PNC Investments, and he currently directs chess tournaments for organizations including Shining Knights Chess and the Free Library of Philadelphia. He also works part-time in hospitality with Marriott International. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models to set personalized asset allocations, primarily investing in Vanguard funds and ETFs.

Joseph Johnston IV is a financial advisor with Vanguard Advisers, holding a Series 66 designation and eight years of industry experience. His career includes roles at Merrill Lynch and Vanguard-related entities since 2018. Johnston also has an academic background from Temple University. 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 composed of Vanguard funds and ETFs. The firm manages a large client base through a digital platform supported by a team of over 2,200 advisors.

Vahan Teberian is a CFP® with 19 years of experience, currently serving with Vanguard Advisers. He has been with The Vanguard Group Inc. and its related entity, Vanguard Marketing Corporation, since 2007. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and eligible employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, using proprietary methodologies to set personalized asset allocations predominantly composed of Vanguard funds and ETFs.

William Wilk is a financial advisor with Osaic Wealth, Inc. in Devon, PA, holding Series 63 and 65 designations and 30 years of industry experience. His prior roles include positions at Royal Alliance Associates, Inc. and Signator Investors, Inc., as well as John Hancock Mutual Life Insurance Co. He is also the CFO of Bala Financial Group, where he manages administrative and operational functions. Osaic Wealth, Inc. serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party money managers to construct portfolios that include a range of investment products managed on discretionary or non-discretionary bases.

Andrew Carlin is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 66 designation and has previously worked at Bloomberg Industry Group and Cision. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models, constructing portfolios mostly from Vanguard funds and ETFs, and provides services at scale through a combination of digital platforms and advisor teams.

Mark Yakupcin is a CFP® with 26 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2014. He has been with The Vanguard Group and its affiliated entities since 2000. Outside of his advisory role, he acts as a durable power of attorney for his mother. 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 investment approach and manages portfolios primarily composed of Vanguard funds and ETFs, providing a range of customization options and services for both individual and institutional clients.

Richard Scott is a financial advisor with LPL Financial who holds a Series 63 designation and has 42 years of industry experience. He previously worked at Lincoln Financial Advisors and Lincoln Financial Securities Corporation for a combined total of 16 years. In addition to his advisory role, he operates an insurance agency. 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 retirement plan consulting.

Ronald Kummerer Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 25 years of experience. He specializes in portfolio construction, investment research, and creating customized financial and income strategies for clients who are seeking retirement or currently retired. In 2022, he earned the internal title of Senior Vice President and Senior Portfolio Advisor. Ronald holds several professional designations including Chartered Retirement Planning Counselor (CRPC), Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has a Bachelor's Degree from Millersville University of Pennsylvania and completed an Accredited Certificate Program at Harvard University. Ronald is fluent in English and Spanish. His focus areas include college education planning, divorce transition planning, family wealth management, legacy planning, liquidity management, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategies, and retirement income planning. Ronald is actively engaged in his community, serving as a soccer coach at Coatesville Area Senior High School and volunteering with organizations such as Cradles to Crayons and East Brandywine Youth Athletics. He resides in Coatesville, Pennsylvania with his wife, two children, and two dogs. Outside of work, he enjoys baseball, cooking, football, golfing, music, skiing, soccer, softball, and woodworking.

Nicholas Amalfitano is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His prior roles include positions at Pacer Financial, Inc., Key Investment Services LLC, KeyBank, and extended experience at Don Kelley Auto Center. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals to institutional clients. The firm offers tailored, non-discretionary consulting using analytical tools and supports client implementation through its advisory programs and external providers.

Massandje Williams is a CFA® charterholder with 12 years of industry experience, currently serving as an advisor at Vanguard Advisers in Malvern, PA. He has been with The Vanguard Group, Inc. since 2016. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs, offering various customization options and tax-aware features.

Timothy Traut is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked at The Vanguard Group, Inc. since 1998. Vanguard Advisers provides both 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, utilizing proprietary methodologies and primarily investing in Vanguard funds and ETFs.

David Hutcheson is a financial advisor at Vanguard Advisers with 29 years of industry experience. He holds the ChFC® designation and Series 63 license. Hutcheson has been with The Vanguard Group since 1996. 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 approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through its digital and team servicing model.

Charles Huntington is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He has been with Wells Fargo and its affiliated entities since 2009, holding Series 63 and Series 65 credentials. Outside of his advisory role, Huntington co-founded the Greater Philadelphia Pharma in Transition Group, which provides guidance to displaced pharmaceutical employees. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, utilizing Wells Fargo research and tools to develop tailored client recommendations.

Cung Nghi Nguyen is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Prior to joining Merrill, Nguyen held various roles in education and retail, including positions at Temple University, Tory Burch, and Mathnasium. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kristin Jones is a financial advisor at Equitable Advisors with 21 years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at firms including Morgan Stanley Private Bank and Thrivent Financial. Outside of her advisory work, she volunteers with Ruff Life Rescue, an animal rescue organization. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Anthony Dilello is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with The Vanguard Group since 1996. Outside of his advisory work, he is also engaged in stock photography as a self-employed photographer and works part-time as a freight handler for FedEx. Vanguard Advisers delivers 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 set personalized asset allocations and offers a broad range of customization options, managing a high volume of client relationships through its extensive advisor team and digital platform.

Devon Cristales is a financial advisor at Vanguard Advisers with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Vanguard Advisers, Cristales served in the United States Marine Corps and held roles at organizations including the Pat Tillman Veterans Center and Axway. 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 and portfolios primarily composed of Vanguard funds and ETFs.

Benjamin Dourte is a CFP® professional with 27 years of industry experience, currently serving at Vanguard Advisers since 2018. His prior experience includes tenures at Compass Ion Advisors, LLC and Apw Capital, Inc. from 2008 to 2018. He maintains an active insurance license, though he does not perform duties related to it. 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 portfolio construction, managing a large client base with an emphasis on Vanguard funds, ETFs, and tax-aware strategies.

Jude Swisher is a financial advisor at Ameriprise based in Exton, PA, holding a Series 66 designation. He joined Ameriprise in 2025 and has one year of industry experience. Prior to this, he was involved with St Agatha-St James Catholic Church from 2023 to 2025. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Ricardo Coroniti is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Securities America Advisors, Inc. and other affiliated entities for over two decades. In addition to his advisory work, he owns an insurance sales business specializing in term life insurance and variable annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of advisers. The firm offers integrated brokerage and advisory services with a range of investment solutions supported by firm-provided asset-allocation tools and access to third-party managed accounts.