Edmund Dracup is a financial advisor with MassMutual Investors Services, holding a CFP® designation and Series 63 and 65 licenses, with 33 years of industry experience. He has been with MassMutual and its affiliate MML Investors Services since 1994. Outside of his advisory role, he serves as a township supervisor for East Vincent Township and is involved in equine activities through ownership and management of Top Rail Equine, LLC. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers, employing firm-approved analytic tools and offering event-driven planning services including divorce and estate-settlement planning.

Rachael Moley is a financial advisor at Vanguard Advisers with six years of industry experience. She holds the Series 63 and Series 66 licenses and has worked with The Vanguard Group since 2020. Her prior experience includes roles at Bozzuto Management Company and WebstaurantStore. 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 primarily constructed from Vanguard funds and ETFs, offering extensive customization and tax-aware features.

Kevin Kessler is a financial advisor with Vanguard Advisers holding a Series 66 credential and one year of industry experience. His prior roles include positions at MassMutual Greater Philadelphia and Northwestern Mutual Eastern Pennsylvania. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and eligible participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven investment approach utilizes proprietary methodologies and primarily invests in Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Timothy Nolt is a financial advisor at Vanguard Advisers with nine years of industry experience. He has been with The Vanguard Group since 2017 and previously worked at the Don CeSar Hotel for three years. 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 investment approach and manages portfolios largely composed of Vanguard funds and ETFs with various customization options.

John Murtaugh is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2006. Vanguard Advisers provides automated and human-supported investment advice through services such as Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach featuring proprietary methodologies and portfolios constructed mainly from Vanguard funds and ETFs.

Carmine Dilello is a financial advisor at Vanguard Advisers with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 1996, as well as Arbonne International from 2019 to 2023. 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 constructed primarily from Vanguard funds and ETFs, offering customization options and tax-aware features.

Gary Johnson is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and 18 years of industry experience. He has been with The Vanguard Group since 2005. 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 combination of digital platforms and advisor support.

Patrick Donovan is a Series 66-licensed financial advisor with Vanguard Advisers in Malvern, PA, bringing four years of industry experience. He previously worked at Ameriprise and Regal before joining The Vanguard Group in 2022. 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 approach that incorporates proprietary models and Vanguard funds, serving a large client base through a combination of digital platforms and advisor teams.

David Blackstone is a Series 66-licensed advisor at Vanguard Advisers with four years of industry experience. He has worked at Vanguard Advisers and related Vanguard entities since 2021 and has prior experience as a self-employed professional. Outside of his advisory role, he is involved with Media News Group as a computer operator assisting in weekend publication. 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 with portfolios constructed mainly from Vanguard funds and ETFs, combining digital delivery with a large advisory team to manage a high volume of client relationships.

Catherine Curran is a financial advisor at Vanguard Advisers with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Vanguard since 2017, including roles with Vanguard Advisers and Vanguard Marketing Corporation. She previously attended Haverford College. 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 investment approach with portfolios constructed mainly from Vanguard funds and ETFs, and manages a large client base through a digital delivery model supported by over 2,200 advisors.

Michael Vergari is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2021, serving previously as an Investment Consultant and Investment Solutions Representative III. Prior to joining Fidelity, Michael worked at Merrill Lynch Wealth Management as a Financial Advisor and Investment Analyst. He began his career as a Financial Planner at 1847 Financial in 2016. Michael partners with his clients to understand their goals, objectives, and financial needs, working collaboratively to create tailored financial plans designed to provide confidence through various market conditions. He holds an Arkansas Insurance License. Outside of his professional role, Michael has personal interests that include spending time at the beach, cooking and baking, football, golf, outdoor adventures, and caring for pets.

Andrew Dietterich is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked with Vanguard entities since 2018 and previously spent a year at Northwestern Mutual. 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 proprietary methodologies and primarily Vanguard funds and ETFs, combining scale with digital delivery to manage a large client base.

Laura Banes is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. She has worked at Merrill since 2019 and has prior experience in the restaurant industry. Outside of her advisory role, she has worked in customer service at Ron’s Original Bar and Grill. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Noreen Procaccini is a Financial Consultant at Fidelity Investments, a role she has held since 2023. Prior to this, she served as an Investment Consultant at Fidelity Investments from 2021 to 2023. Before joining Fidelity, Noreen was the Global Cash Management & Trading Manager at SEI Investments from 1998 to 2021. Her professional experience spans over two decades in the financial services industry, with expertise in investment consulting, cash management, and trading. Noreen is committed to assisting clients and their families in achieving their financial objectives through comprehensive planning and tailored guidance. Outside of her professional work, Noreen has interests in baseball, soccer, traveling, and yoga.

Adrian Grow is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and four years of industry experience. He has held various roles within The Vanguard Group, Inc. and its affiliated entities since 2022. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving 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.

Liubov Holfelner is a financial advisor at Vanguard Advisers with Series 66 and Series 63 credentials and four years of industry experience. She has held roles at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Fidelity Home Healthcare. Outside of her advisory work, she operates an eBay sales business. Vanguard Advisers provides automated and human-supported investment advice primarily for retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios mainly from Vanguard funds and ETFs, supported by a large advisory team and digital delivery platform.

Josh Williams is a Planning Consultant who collaborates with clients to develop financial plans aimed at achieving their financial goals. His role focuses on tailoring financial strategies to meet the specific needs of each client. Outside of his professional responsibilities, Josh has personal interests that include baseball, fitness, football, golf, and caring for pets.

Aleksander Niggli is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and four years of industry experience. He has been with Vanguard Advisers since 2025 and also works as a contract furniture mover and music artist outside of his advisory role. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs.

Clinton Smedley is a CFP® professional with 20 years of industry experience, currently affiliated with Cetera. His prior work includes 15 years at Cuso Financial Services and ongoing service at Citadel Federal Credit Union since 2009. He serves as a board member for the CPWA Commission / Investments & Wealth Institute, attending quarterly meetings related to the CPWA designation. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various investment program structures.

Nicolas Chupela is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and four years of industry experience. He has been with Vanguard Advisers since 2025 and has also worked for Vanguard Marketing Corporation and The Vanguard Group since 2022. Outside of finance, he previously managed a bar and grille for seven years. Vanguard Advisers offers automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. Its investment approach combines goal-based, algorithm-driven strategies with portfolios primarily constructed from Vanguard funds and ETFs, emphasizing digital delivery at scale.