Gary Baker is a financial advisor with Merrill in Wayne, PA, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. He has been affiliated with Merrill Lynch since 2007 and Bank of America NA since 2011. Outside of his advisory role, Baker serves as an advisory board member for Beat the Streets Philadelphia, a nonprofit focused on academic tutoring and wrestling programs for underprivileged youth, and is the head wrestling coach at Conestoga High School. He is also a general partner and consultant for GenreWerks, LLC, a company involved in character development for screen-printed apparel. 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 supported by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, employing strategic asset allocation and tax-aware investment options.

Susan Butler is a financial advisor with Merrill, holding Series 63 and Series 65 designations and 39 years of industry experience. She has worked with Merrill since 1987 and has also been associated with Bank of America, N.A. since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies constructed by internal and third-party managers.

Derik Semetti is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Vanguard Advisers, Vanguard Marketing Corporation, and The Vanguard Group since 2021. Prior to this, he held roles at Mass Mutual Life Insurance Company and Northwestern Mutual. 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 investment approach and manages portfolios mainly comprised of Vanguard funds and ETFs, combining digital delivery with personalized service.

John Palic is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 credentials and has 13 years of industry experience. He previously worked at Northwestern Mutual in various capacities from 2012 to 2018 before joining Mass Mutual in 2018. 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, providing clients with collaborative, goal-based planning and optional implementation services.

James Adamus is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and 10 years of industry experience. He has been with The Vanguard Group, Inc. since 2015. 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 investment approach employing proprietary models and primarily Vanguard funds and ETFs, managing a large client base through a digital platform complemented by a team servicing model.

Daniel Tauriello is a CFP® with five years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Malvern, PA. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as prior experience with LPL Financial and Private Advisor Group. Vanguard Advisers offers both automated and human-supported investment advice through digital and personal advisor services, focusing on retail investors and employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models and largely Vanguard funds and ETFs to deliver scalable, customized portfolio solutions.

Robert Mcmaster is a financial advisor with MassMutual Investors Services in Newtown Square, PA, holding Series 63 and Series 65 designations and 26 years of industry experience. He has worked with MassMutual Investors Services since 2017 and previously spent 15 years with MetLife Securities. In addition to his advisory role, he is involved in individual and group life and health insurance sales. MassMutual Investors Services, LLC is 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 utilizes technology-driven planning tools and provides event-driven planning services such as divorce and estate-settlement planning.

Omair Kawoosa is a financial advisor at UBS Financial Services in Radnor, PA, with six years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Equitable Advisors and The Student Connection. UBS Financial Services serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor strategies according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities, principal trading, and underwriting.

Martin Dempsey Jr. is a financial advisor with LPL Financial in Paoli, PA, holding the ChFC® designation and Series 63 and 65 licenses. He has 35 years of industry experience, including 29 years with LPL Financial. Outside of his advisory role, he is involved with Dempsey & Associates, where he is engaged in non-variable insurance sales. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Christine Stefanou is a financial advisor with Ameriprise in Malvern, PA, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she is involved in a family-owned software company and has an ownership interest in a rental property business through an LLC. Ameriprise serves primarily high-net-worth individuals approaching or in retirement, offering retirement-income planning services that include written recommendation reports and a combination of research, modeling, and tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical for a large institutional financial services company.

Jesse Billela is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and four years of industry experience. He has worked within various roles at Vanguard-related entities since 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through a digital platform supported by a team of advisors.

Richard Baker is a financial advisor at Vanguard Advisers with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. He has been with Vanguard Group since 2019. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach and constructs portfolios mainly from Vanguard funds and ETFs, offering customization options and tax-aware features.

James Nastasi is a Series 66-licensed financial advisor with 25 years of industry experience. He has worked at UBS Financial Services since 2015 and held prior roles at Morgan Stanley, PNC Wealth Management, and J.J.B. Hilliard, W.L. Lyons, LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor investment plans to clients’ goals and risk tolerances.

Michael Marotta is a Series 66-licensed financial advisor with Merrill in Wayne, Pennsylvania, and has 14 years of industry experience. He has worked at Bank of America and Merrill since 2017 and was previously with UBS Financial Services from 2013 to 2017. He also serves as co-trustee for a family trust. Merrill, together 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Steven Yarborough is a CFP® professional with 25 years of experience in the financial industry, currently serving at Vanguard Advisers since 2013. He also holds Series 63 and Series 65 licenses and has been involved with Vanguard Marketing Corporation and The Vanguard Group since 2011. Outside of his advisory role, Yarborough serves as a hockey referee for USA Hockey. Vanguard Advisers provides automated and human-supported investment advice through 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 utilizing proprietary methodologies and focuses on scalable digital delivery supported by a large advisory team.

Jina Leonardi is a financial advisor at Vanguard Advisers with three years of industry experience. She holds a Series 66 designation and has worked at multiple Vanguard affiliates since 2022. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, emphasizing scale and digital delivery through its extensive advisory team.

Chad Kilhefner is a CFP® with 24 years of industry experience, currently serving at Vanguard Advisers. He has been with The Vanguard Group since 2002. Outside of his advisory role, he is a volunteer board member for the Personal Financial Planning Advisory Board at Kutztown University and works as a fitness and self-defense blog host. 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 with proprietary methodologies to personalize asset allocations, primarily utilizing Vanguard funds and ETFs.

Liam Di Fonzo is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors LLC and Renault Winery. Di Fonzo is also involved with Bala Financial Group Inc. as a registered representative and insurance agent, engaging in sales and marketing of securities, insurance, and annuity products. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a variety of customizable investment programs.

Athena Mccarthy is a CFP® with 19 years of experience in the financial industry, currently serving as an advisor at Vanguard Advisers since 2007. She holds a Series 63 license 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, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and largely uses Vanguard funds and ETFs. The firm manages a large-scale digital platform with over 2,400 advisors and serves a diverse client base focused on retirement and savings goals.

Kristin Witmer is a CFP®, ChFC®, and Series 63-licensed financial advisor with 23 years of industry experience. She has been with The Vanguard Group since 2011 and is based in Malvern, PA. Vanguard Advisers offers 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 construct portfolios mainly from Vanguard funds and ETFs, featuring customization options such as tax-aware strategies and ESG exposure.