Stephen Collins is a financial advisor with LPL Financial in West Chester, PA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He previously worked for Cuna Mutual Group and Cuna Brokerage Services, Inc. for 22 years before joining LPL Financial in 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms.

Estelle Bonnet is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and 15 years of industry experience. She has worked at several Vanguard entities since 2021 and has prior experience in various roles outside the financial industry. Vanguard Advisers provides both 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, relying on proprietary methodologies and Vanguard funds to create customized portfolios at scale.

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. Her approach involves clarifying complexity and turning ideas into actionable financial plans that support clients' decision-making processes with analytical rigor and practical execution. Patrick holds the Personal Investment Advisor (PIA) designation and received her education from Yale University and The Indiana Academy for Science, Mathematics, & Humanities. She is engaged with the Yale Alumni Association. Outside of her professional work, Patrick has personal interests in basketball, gardening, genealogy, hiking, reading, writing, and spending time with her family.

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.

Anthony Scarpino is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and one year of industry experience. Prior to joining MassMutual and its subsidiary MML Investors Services, LLC in 2025, he worked at American Settlement Funding for eight years and DRB Capital for one year. MML Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars. The firm provides collaborative, annual planning engagements using firm-approved analytical tools and offers a range of programs including recent additions like Divorce Planning and event-driven estate-settlement services.

Jeremy Losinno is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and having 22 years of industry experience. He has been with Vanguard Advisers since 2022 and also operates vlogs, including "Oink Cluck Moo BBQ Vlog" and "J.Lo and S.Lo Vlog." Additionally, he serves as president and board member of Crestwood Swimming Pool. 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 investment approach using proprietary models to create personalized portfolios primarily constructed from Vanguard funds and ETFs.

Jared Crouse is a CFP® with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2016. His prior experience includes roles at UBS Financial Services and Morgan Stanley. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, with a focus on utilizing research and analytics for diversified investment strategies.

Kyle Cooney I is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and four years of industry experience. His prior work includes roles at Northwestern Mutual and various positions in education and retail before joining Vanguard in 2022. He 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 and offers portfolios largely comprised of Vanguard funds and ETFs, with customizable options including ESG preferences and tax-aware features.

Jesse Valencia is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. Prior to joining Vanguard in 2022, he worked at TD Bank and held positions in education at Downingtown Area School District and Daniel Boone High School. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes proprietary models to develop personalized asset allocations. The firm manages a large client base through a combination of digital delivery and advisor teams, with portfolios constructed mainly from Vanguard funds and ETFs.

Kai Calabretta is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He previously worked as an Investment Solutions Representative at Fidelity Investments from 2021 to 2024. Prior to joining Fidelity, Kai was an Onboarding Specialist at The Vanguard Group in 2021 and served as a Licensing and Commissions Representative at Pacific Life from 2019 to 2020. Kai values clients' opinions and experiences to better understand their individual situations. His professional background includes experience in investment solutions, client onboarding, and licensing and commissions within the financial services industry. Outside of his professional work, Kai has interests in art, fitness, playing musical instruments, visiting museums, and snowboarding.

Keval Nagda is a CFP®-certified financial advisor with seven years of industry experience, currently with Vanguard Advisers. His prior roles include positions at Cetera Wealth Services and Diamond State Financial Group. Nagda holds a Series 66 license and is based in Malvern, PA. Vanguard Advisers offers 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 utilizing proprietary methodologies and Vanguard funds and ETFs, serving a large client base with a mix of digital and advisor-supported services.

Logan Rindock is an advisor at Raymond James & Associates with a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he worked in operations and facilities management roles, including at Muhlenberg College and Parkland High School. Outside of his advisory work, he is involved in buying and selling collectibles through online livestream auctions. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipalities. The firm provides financial planning and investment consulting with a range of portfolio management styles supported by affiliated research and sub-advisers.

Thomas Eybye is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He has been assisting individuals and families in pursuing their financial goals since 2012. Thomas emphasizes the importance of a comprehensive written financial plan as a foundation for financial decision-making and confidence. Thomas's expertise includes family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He takes a personalized approach by getting to know his clients and understanding their priorities to develop strategies aligned with their goals. His professional designation is Personal Investment Advisor (PIA). Thomas holds a Bachelor's Degree from the University of Delaware and a Master of Business Administration (MBA) from the State University of New York System. He is fluent in English, Spanish, and German. Outside of his professional role, Thomas enjoys camping, hiking, music, reading, running, spending time with his family, and traveling.

William Gruehn is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA. He holds Series 63 and Series 65 licenses and has nine years of industry experience, all with Mass Mutual and its subsidiary. Outside of his advisory role, he is also licensed as an insurance agent specializing in individual and group life insurance. 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 utilizes collaborative, software-assisted planning tools to deliver written recommendations across various investment categories and offers specialized planning services such as divorce and estate settlement.

Susan Walter is a financial advisor with Mass Mutual Investors Services in Radnor, PA, holding a Series 66 designation and two years of industry experience. Her career includes roles at MassMutual Life Insurance Company and prior entrepreneurial experience, including founding SoupSisters, Inc. She serves as a trustee for a special needs trust. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning programs and educational seminars, emphasizing collaborative, goal-oriented financial planning engagements.

Robert Castillo Espinal is a financial advisor at Vanguard Advisers with eight years of industry experience. He holds a Series 66 designation and has worked at Vanguard Advisers and related Vanguard entities since 2019, following a year at Merrill Lynch. Prior to his financial services career, he was involved with several school boards and educational institutions. 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 a large scale digital platform and manages portfolios constructed mainly from Vanguard funds and ETFs.

Satyam Desai is a Senior Resident Director and Wealth Management Advisor with Merrill, where he specializes in serving corporate executives and managing new wealth. He designs financial strategies tailored to significant life developments, including company exits, liquidity events, and legacy planning. His approach focuses on comprehensive planning that balances aspirational goals with the financial necessities of clients' family and retirement needs. Before joining Merrill in 2014, Satyam was a director at Morgan Stanley for eight years. He holds a Bachelor's degree from Michigan State University and has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Equity Plan Consultant (EPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has also served as a board member for the National Association of Stock Plan Professionals (NASPP) Philadelphia Chapter from 2012 to 2015. Satyam lives in Ardmore, Pennsylvania, with his wife and three children. Outside of his professional work, he coaches his son's first-grade basketball team and enjoys playing basketball, as well as gardening, bowling, and golfing.

Sharnise Gadsden is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 licenses and having 13 years of industry experience. She has been with The Vanguard Group since 2013. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach. The firm manages large-scale client relationships through a combination of digital platforms and advisor teams, primarily utilizing Vanguard funds and ETFs in its portfolio construction.