Zachary Donahue is a CFP® with 10 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group since 2014. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various customization options.

Jeffrey Marsico is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 designation. He has worked with Wexco Financial Group since 2008 and has been affiliated with Cetera since 2023. Outside of his advisory work, he is a senior partner and equity owner of Diamond State Financial Group and has ownership interests in several family business and real estate ventures. Cetera Investment Advisers LLC is an SEC-registered firm that provides services to individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

James Unger is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. He holds the Series 66 designation and has been with Mass Mutual Investors Services and MASSMUTUAL Life Insurance Company since 2017. Prior to his advisory career, he attended Pennsylvania State University from 2014 to 2018. 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 offers financial planning, asset management, and educational seminars, using collaborative, goal-focused approaches and firm-approved software tools.

Zachary Mawson is a financial advisor at Merrill with five years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Carolyn Cross is a CFA® charterholder with 11 years of industry experience. She has worked at Vanguard Advisers since 2020 and has been with The Vanguard Group and Vanguard Marketing Corporation since 2012. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. Its investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Zachary Azar is a financial advisor at Vanguard Advisers with one year of industry experience. He holds the Series 66 designation and has worked previously at LPL Financial and Financial Strategies & Designs, Inc. Outside of his advisory roles, he has held various positions at DeSales University and other organizations. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs.

James Johnson is a financial advisor at Merrill Lynch Wealth Management, operating under the FSA designation. He provides wealth management services to clients through Merrill Lynch. James holds a Bachelor's Degree from Liberty University. Details about his specific areas of expertise or additional professional credentials are not provided.

Ryan Gray is a financial advisor with Cambridge Investment Research Advisors in West Chester, PA, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior work includes roles at Oppenheimer, Commonwealth Financial Network, and Triad Advisors. He is currently engaged as an advisory representative of an RIA through CIRA. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a range of portfolio management approaches and proprietary model strategies.

Daniel Mccarthy is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity entities since 2011. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe. The firm manages discretionary and non-discretionary portfolios, serves registered investment companies, and uses systematic methodologies alongside AI and algorithmic tools in its investment process.

Elliott Miller is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Cambridge Investment Research since 2014. Outside of his advisory role, Miller serves on the board of the Adath Israel Congregation in Merion Station, PA. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad mix of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals using various portfolio management and advisory solutions tailored to client objectives.

Vartan Karakelian serves as a Sales Manager and Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 25 years of experience working closely with affluent clients in areas including divorce transition planning, equity compensation services, family wealth management strategies, services for endowments and non-profits, managing new wealth, portfolio management, tax minimization, and retirement income planning. Mr. Karakelian earned a Mechanical Engineering degree from Drexel University through its co-op program and holds a Master's degree from the University of Pennsylvania. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Since 2001, he has focused on helping clients make informed financial decisions by understanding their motivations and delivering tailored written strategies to maximize the likelihood of achieving their financial goals. In addition to his professional work, Vartan Karakelian is involved in his local community through St Gregory's Armenian Church. He and his family also support disadvantaged children abroad. His personal interests include cooking, football, hiking, photography, and traveling.

Sara Smyth is a CFP® with 16 years of experience in the financial services industry. She has worked at The Vanguard Group, Inc. since 2010 and served on the board of her local homeowners association as treasurer since 2018. Smyth holds a degree from Haverford College. 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 approach and uses proprietary models to create personalized asset allocations, offering a range of customization options along with portfolios built largely from Vanguard funds and ETFs.

Zachary Cooper is a financial advisor at Cambridge Investment Research Advisors with two years of industry experience. He holds the Series 65 and Series 63 licenses and has previously worked at Citadel Federal Credit Union and TD Bank. He is also employed as an investment representative for Plan and Prosper Financial Partners, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management solutions and both proprietary and third-party investment strategies.

Peter Rohr is a financial advisor at Merrill with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1987, also working with Bank of America since 2011. He serves as a trustee for The Haverford School and is a board member of the CFP Board of Directors. Merrill provides managed account services through the Select Portfolio Solutions program to a broad range of clients, including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers model-based and discretionary investment strategies integrated into Bank of America’s platform, featuring access to a diverse set of products and services.

Mary Kane is a financial advisor at Raymond James & Associates with 29 years of industry experience. She holds the Series 63 designation and has previously worked at Janney Montgomery Scott, Morgan Stanley, Wells Fargo Clearing, and Merrill. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and institutional consulting via its Institutional Fiduciary Solutions division.

Richard Sterling III is a Series 66-licensed financial advisor with five years of industry experience. He is currently with Mass Mutual Investors Services and has previously worked at firms including Lincoln Financial Advisors and Pacer Advisors. Mass Mutual Investors Services 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, and educational seminars, using a collaborative, goal-based approach with firm-approved analytical tools.

Kyle Demarino is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and three years of industry experience. He has been with The Vanguard Group since 2022. 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, offering a range of customization options and managing a large client base through a combination of digital platforms and advisor teams.

Joseph Devlin is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America and Merrill Lynch since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment management with Bank of America’s broader financial platform, including lending and custody services.

Brian Fox is a financial advisor at Wells Fargo Advisors in Exton, PA, holding a Series 66 designation with 16 years of industry experience. He has worked within Wells Fargo’s financial services affiliates since 2009. Fox is also the owner of Fox Wealth Partners, LLC, an independent practice based in Exton. 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 tailored to clients who meet a net-worth threshold, using proprietary research and planning tools.

George Bell is a Financial Consultant currently with Fidelity Investments, a position he has held since 2019. Prior to this, he worked as a Senior Financial Advisor at The Vanguard Group from 2002 to 2019. In his role, George focuses on building tailored financial plans that align with his clients' specific goals through strong and open communication, emphasizing the importance of trust in client relationships. George holds a California Insurance License, which supports his professional role in financial consulting. Outside of his professional duties, he has interests in beach activities, boating, fishing, football, and golf.