Raji Kurbaj is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 66 and Series 63 credentials and four years of industry experience. Prior to Vanguard, Raji worked at New York Life Insurance Co. and operated Kurbaj Trading Inc. for five years. 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 personalized asset allocations and a range of customization options.

Bryan Wise is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds a Series 66 designation and has previously worked at Primerica Financial Services and in education with the Coatesville Area School District. Outside of finance, he has worked as a substitute teacher for local K-12 schools. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and comprehensive written recommendations across various financial planning topics. The firm offers these planning services separately from managed accounts and does not accept discretionary trading authority for Dedicated Planning Service engagements.

David Deleon is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Primerica, Pennsylvania State University, Target Corporation, and Adam Art. He is also involved with Diamond Credit Union in an investment-related capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers financial planning, advisory programs, and retirement consulting, utilizing discretionary and non-discretionary management alongside research-supported model portfolios.

Ryan Peterson is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and having one year of industry experience. His prior work experience includes roles at Target and Tristate Financial Advisors. 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 and algorithm-driven approach to portfolio construction, emphasizing personalized asset allocations and tax-efficient strategies across a large client base.

Ryan Adams is a CFP® with 21 years of industry experience, currently serving at Vanguard Advisers. He has been with The Vanguard Group, Inc. and its affiliates since 2005. 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.

Kimberly Speese is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has 10 years of industry experience, having worked at firms including William Blair, Raffa Investment Advisers, Fidelity Brokerage Services, Bank of America, Merrill, and Morgan Stanley. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software to support collaborative, annual planning relationships.

Bryan Krause serves as the Senior Resident Director and Wealth Management Advisor at Merrill. Since joining Merrill Lynch Wealth Management in 1997, he has been dedicated to providing financial strategies to a diverse clientele that includes wealthy retirees, attorneys, business executives, and entrepreneurs. He is a partner in the Krause Brooks Zeplin Wealth Management group, focusing on customized investment portfolios and comprehensive family planning strategies. His leadership role includes managing the Exton office to support Merrill advisors effectively. Bryan's expertise encompasses wealth management, retirement planning, intergenerational and charitable planning, and portfolio management. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). Bryan earned a bachelor's degree in finance from Loyola University in Baltimore, Maryland, and is a member of the Investments & Wealth Institute and CFP(R) Practitioners. Recognized on the Forbes "Best-in-State Wealth Advisors" list for multiple years, Bryan brings extensive experience to his clients' financial goals. Outside of his professional role, he resides in Chester Springs, PA, with his wife Kimberly and their four sons. He enjoys skiing, golf, running, traveling, watching lacrosse, and spending time outdoors. Bryan is also involved with community organizations including Cradles to Crayons and ChildFund International.

Nicholas Gaetani is a CFP® and ChFC® with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He previously worked at Mallard Financial Partners and Capital One Investing. 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 constructed mainly from Vanguard funds and ETFs.

Patrick Kerwin is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2014. He has been affiliated with Vanguard Marketing Corporation and THE Vanguard Group, Inc. since 2005. 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 with proprietary methodologies to construct portfolios mainly from Vanguard funds and ETFs, offering a high volume of client relationships supported by over 2,200 advisors.

Tyler Hakel is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 designations and four years of industry experience. His prior roles include positions at Erie Federal Credit Union, Northwest Bank, and Cinemark. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to guide asset allocation and primarily constructs portfolios from Vanguard funds and ETFs, offering tax-aware features and customization options.

Brittney Harris is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds a Series 66 designation and has worked at various Vanguard entities since 2018, as well as Ameriprise Financial and the University of Delaware. Vanguard Advisers offers automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and constructs portfolios primarily from Vanguard funds and ETFs.

Alexandria Brennan is a financial advisor at Vanguard Advisers with four years of industry experience. She holds a Series 66 designation and has worked at The Vanguard Group and Vanguard Marketing Corporation since 2021. Outside of her advisory role, she also owns a part-time photography and modeling business and engages in e-commerce and affiliated marketing activities. 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, offering various customization options and tax-aware features.

Michael Kohler is a CFP® with 16 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2015. He has been affiliated with The Vanguard Group, Inc. and its related entities since 2008. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven investment approach that emphasizes personalized asset allocations and tax-aware portfolio features.

Arkadiy Zavulunov is a financial advisor at Vanguard Advisers with five years of industry experience. He holds the Series 63 and Series 66 designations. His prior work experience includes positions at DoorDash, Amazon, and State Street Bank. Outside of his advisory role, he works as a contracted driver for DoorDash. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, using a goal-based, algorithm-driven approach and portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through a high client-per-advisor ratio enabled by its digital platform and team servicing model.

Klaus Miller is a financial advisor at Merrill with 47 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1978, also working at Bank of America, N.A. since 2011. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Jenkins is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Raymond James Financial since 2009. He also operates Brandywine Valley Financial Services, LLC, a support company providing financial planning and investment services, where he is CEO. Additionally, he acts as executor and successor trustee for a family estate. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm uses risk profiling and analytical tools to tailor planning and investment consulting to client goals, supporting implementation through various advisory programs and maintaining unique affiliations such as a municipal advisor and specialized SIMPLE IRA employer advisory services.

Timothy Zinn is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at DaVita and Corporate Fitness Works. Outside of his advisory role, he coaches cheerleading for Phoenix Allstars. 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 with portfolios constructed mainly from Vanguard funds and ETFs, offering a range of customization options and tax-aware strategies.

Lauren Radvansky is a financial advisor at Vanguard Advisers with 9 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at The Vanguard Group, Terrain, Rag & Bone, Cole Haan, and J.Crew. Radvansky also operates Equine by Lauren Radvansky. 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 approach using proprietary methodologies, and manages portfolios primarily composed of Vanguard funds and ETFs.

Wendy Tang is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2020. Prior to her current roles, she spent four years in the jewelry business. Tang is also an owner of Tango Investment Company LLC, where she manages passive real estate investments. 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 investment strategies for individuals, high-net-worth clients, and institutional accounts.

Brian Schweitzer is a Financial Consultant at Fidelity Investments, where he has worked since 2021 in various roles, including Investment Solutions Representative and Investment Consultant. Prior to joining Fidelity, he served as Vice President and Consultant Relations Manager at Franklin Templeton Investments from 2005 to 2020. His professional experience spans over two decades in the financial services industry. Brian focuses on understanding the unique needs of families to develop financial plans aimed at growing, preserving, and transferring wealth. He emphasizes a client-first approach built on honest communication and trust, supported by the expertise of the Fidelity team. Outside of his professional work, Brian enjoys activities such as beach outings, family activities, fitness, hiking, tennis, and volunteering.