Karen Nagle is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 36 years of industry experience. She previously worked at Metlife Securities Inc. from 1998 to 2017 before joining Mass Mutual Investors Services in 2017. 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 offers financial planning, asset management, wrap programs, and educational seminars with a focus on collaborative, annual planning relationships.

Shawn Wagner is a CFP® professional with 16 years of industry experience, currently affiliated with Cetera in West Chester, PA. Prior to joining Cetera, he worked at Vanguard in various capacities for 16 years. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, employer-sponsored retirement plans, corporations, charitable clients, and institutional accounts. The firm offers multiple portfolio management and consulting services through a multi-manager platform and supports both discretionary and non-discretionary investment programs.

Sophoan Prak is a CFP® professional with 21 years of industry experience, currently serving at Vanguard Advisers since 2004. He holds the Series 63 designation and is based in Malvern, PA. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving 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 advisor teams.

Cristobal Salamone Donestevez is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at the University of Pennsylvania and AZ Foods. He is currently based in Malvern, PA. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that incorporates proprietary methodologies and a range of customization options.

David Carlisle is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with Vanguard since 1987 and also works as a freelance keyboard musician. Additionally, he serves as the musical director at Upper Room Missionary Baptist Church. Vanguard Advisers provides automated and human-supported investment advice primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach that utilizes proprietary models and offers portfolios constructed mainly of Vanguard funds and ETFs, featuring tax-aware strategies and customization options.

Stephen Balen is a financial advisor at LPL Financial with 46 years of industry experience. He holds a Series 63 designation and previously worked for Boenning & Scattergood, Inc. for 19 years. Outside of finance, he is involved in show dog breeding. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse range of clients, including individuals, retirement plans, corporations, and charitable organizations. The firm offers a variety of advisory programs and financial planning services through a large network of investment adviser representatives.

Elizabeth Lubrano is a financial advisor at Equitable Advisors with 13 years of industry experience. She holds the Series 66 designation and has been with Equitable Advisors since 2012, previously associated with Axa Advisors. Outside of her advisory role, she is involved with the United States Equestrian Federation as a judge and owns a horse breeding business, Horizon Hill Hunter Breeding, LLC. 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 third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored through a detailed client intake process.

Nicholas Di Prinzio is a Series 66-licensed financial advisor with seven years of industry experience, currently with Vanguard Advisers since 2018. His prior roles include positions at IM Wealth Partners and Merrill Lynch. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios largely composed of Vanguard funds and ETFs, offering a range of customization options and managing hundreds of thousands of client relationships through a large advisory team.

Bobby Damron is a financial advisor with Ameriprise in West Chester, PA, holding Series 63 and Series 66 licenses and having 17 years of industry experience. He has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory role, Damron serves as a Volunteer Director for the LOVELOUD Foundation, organizing volunteer teams for the LOVELOUD music festival and tour. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Joseph Kucharczuk is a CFP® with 30 years of experience in the financial industry, currently serving at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 1987. Outside of his advisory role, he acts as an agent for immediate family members in investment matters. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to portfolio construction, utilizing proprietary models and largely Vanguard funds and ETFs.

Salvatore Kaufman is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and less than one year of industry experience. His prior experience includes three years at JR Capital and several years in educational roles at Arizona State University and Strath Haven schools. Mass Mutual 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 emphasizes collaborative annual financial planning engagements using firm-approved analytical tools and offers specialized programs including estate settlement and employer-sponsored planning.

Alain Boletta is a CFP® professional at Morgan Stanley with 19 years of industry experience. His prior roles include positions at The Vanguard Group and Lincoln Investment. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of retail and institutional investment solutions.

John Lang is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and three years of industry experience. He has previously worked at Comcast Cable and currently has a role at SWIG, LLC, where he serves at retail events. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios largely constructed from Vanguard funds and ETFs.

James Pepe is a financial advisor with Wells Fargo Clearing in Wayne, PA, holding a Series 66 designation and 21 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 and continued at Wells Fargo Clearing since 2016. 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 through over 14,000 financial advisors and offers a combination of brokerage and advisory solutions.

Stephen Collins is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for Cuna Mutual Group and Cuna Brokerage Services, Inc. for 22 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, with both discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Estelle Bonnet is a financial advisor at Vanguard Advisers with 15 years of industry experience. She holds the Series 66 and Series 63 designations and has worked in various roles within Vanguard entities since 2006, including her current position starting in 2023. Bonnet’s background includes experience at Randstad and DaVita Kidney Care. 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 using Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and advisory team model.

Marc Apfelbaum is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2019. He has six years of industry experience, including previous roles at Miller Transportation Group and Penske Truck Leasing. Outside of finance, he is associated with Black Hog Brewing LLC, a brewery located in Oxford, Connecticut. Edward Jones is a full-service wealth management firm serving individual and institutional clients with both discretionary and non-discretionary investment strategies. The firm has a large national presence, managing over $1 trillion in assets through a network of more than 23,000 financial advisors and 15,000 branch offices.

Anittah Patrick is a Financial Advisor at Merrill Lynch Wealth Management, specializing in services for endowments, foundations, non-profits, women and wealth, and tax minimization. She approaches financial planning with analytical rigor and practical execution to help clients clarify complexity and build financial systems that support their evolving lives. She holds a Personal Investment Advisor (PIA) designation and received her education from Yale University and The Indiana Academy for Science, Mathematics, & Humanities. Anittah focuses on helping clients make confident financial decisions that consider opportunity, time, and tradeoffs, aiming to create freedom and possibilities that foster long-term well-being. Anittah is involved with the Yale Alumni Association and balances her professional work with personal interests that include basketball, gardening, genealogy, hiking, reading, spending time with family, and writing.

Angela Dahlman is a financial advisor at Vanguard Advisers with five years of industry experience. She holds a Series 66 designation and has worked at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation since 2023. Outside the financial industry, she owns Organize Your Biz, LLC, a business organizing homes and offices. 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 models and offers portfolios constructed mainly from Vanguard funds and ETFs.

Peter Klein is a financial advisor with MassMutual Investors Services in Newtown Square, PA. He holds a Series 66 designation and has five years of industry experience. His prior work includes positions at MASSMUTUAL Life Insurance Co/Creative Financial Group and Herman Goldner Company. Klein is also the owner of Klein Consulting, LLC, a pass-through entity for commissions. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides planning engagements through collaborative, annual relationships and uses firm-approved analytical tools to develop recommendations tailored to client goals.