Clinton Smedley is a CFP® certificant with 21 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Cuso Financial Services, Lp, Citadel Federal Credit Union, and Vanguard Advisers. He serves as a board member for the CPWA Commission / Investments & Wealth Institute, participating in quarterly meetings related to the CPWA designation. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services through a multi-manager platform featuring both affiliated and third-party managers.

Nicolas Chupela is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and four years of industry experience. He has held roles within various Vanguard entities since 2022 and has prior experience in the food service industry. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participant accounts in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily Vanguard funds and ETFs.

Raji Kurbaj is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at New York Life Insurance Co. and operated Kurbaj Trading Inc. He also has experience in academic roles at Penn State University. 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 constructs portfolios mainly from Vanguard funds and ETFs, combining scale and digital delivery to serve a large client base.

Christopher Heskett is a financial advisor at Vanguard Advisers with a Series 66 designation and one year of industry experience. His prior work includes roles at Vanguard Marketing Corporation and self-employment ventures, as well as two years associated with Gage Strength Training. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm is notable for its large scale and digital delivery model, managing hundreds of thousands of client relationships with over 2,200 advisors.

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 seven years of industry experience. He has worked with LPL Financial since 2019 and previously held roles at Diamond Credit Union, Primerica, Pennsylvania State University, Target Corporation, and Adam Art. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Josephina Luczak is a financial advisor with Wells Fargo Clearing in Paoli, PA, holding Series 63 and Series 65 credentials and 15 years of industry experience. Prior to joining Wells Fargo in 2021, she worked at Citizens Securities Inc. and CITIZENS Bank during 2016–2020. She is the sole owner of Sacred Spirit Living LLC, a non-investment-related entity not currently used for business purposes. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions.

Ryan Peterson is a financial advisor with Vanguard Advisers holding Series 63 and Series 65 credentials. He joined Vanguard in 2026, with prior work experience that includes roles at Target and Tristate Financial Advisors. Peterson also engages as a financial consultant with Florida Financial Advisors, an RIA based in Philadelphia. 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 with various customization options.

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 is a Senior Resident Director and Wealth Management Advisor at Merrill, where he has been providing financial advice since joining the firm in 1997. He is a partner in the Krause Brooks Zeplin Wealth Management group and is responsible for the successful office operation and management of Merrill advisors at the Exton office. Bryan's approach begins with understanding clients' financial situations and goals, developing customized portfolios with asset allocation strategies that include equities, fixed income, exchange traded funds (ETFs), and index funds. He offers financial strategies to a diverse clientele, including wealthy retirees, attorneys, business executives, and entrepreneurs, with a focus on wealth management, retirement planning, family wealth strategies, and managing new wealth. Bryan 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). He is a member of the Investments & Wealth Institute and the CFP(R) Practitioners association. Bryan earned a bachelor's degree in finance from Loyola University. Outside of his professional career, Bryan resides in Chester Springs, PA with his wife Kimberly and their four sons. He enjoys skiing, golfing, running, hiking, and spending time outdoors. Bryan is also involved in community organizations such as 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 in Malvern, PA, holding Series 63 and Series 66 designations and four years of industry experience. His prior work includes roles at Erie Federal Credit Union and Northwest Bank, as well as a five-year tenure at Cinemark. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm serves a large client base through its digital platform and team servicing model, focusing on retail and plan participants.

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 48 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1978, including a 15-year tenure at Bank of America, N.A. Miller is based in Exton, PA. 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®-credentialed financial advisor with 28 years of industry experience, currently serving at Raymond James Financial since 2009. Prior to that, he worked at Merrill from 2007 to 2009. Outside of his advisory role, Jenkins is the CEO of Brandywine Valley Financial Services, LLC, a support company offering financial planning and investment services. 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, pension plans, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers unique municipal and public-finance advisory services.