Elliott Miller is a financial advisor at Cambridge Investment Research Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Fulcrum Advisory Services, New York Life Investment Management, and PGIM Investments. Outside of his advisory role, Miller serves on the board of the Adath Israel Congregation and has contributed letters to publications such as The New York Times and The Washington Post. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides both discretionary and non-discretionary management across multiple platforms and custodians.

Vartan Karakelian is a Sales Manager and Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving affluent clients since 2001, providing guidance in areas such as divorce transition planning, equity compensation services, family wealth management strategies, managing new wealth, portfolio management services, tax minimization, and retirement income. He focuses on crafting written financial strategies tailored to each family's goals to help clients make informed decisions and achieve important outcomes. Mr. Karakelian holds a Bachelor's degree from Drexel University and a Master's degree from the University of Pennsylvania. He has earned several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional work, Mr. Karakelian is involved in his community as a deacon at St Gregory's Armenian Church and has served as a former Exchange Club President. He also participates in the Salvation Army and supports orphans and disadvantaged children abroad. His personal life centers on his family, including his wife of 35 years and their two children.

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 Series 65 and Series 63 licenses and two years of industry experience. His prior roles include positions at Citadel Federal Credit Union and TD Bank. He is also involved as an investment representative with Plan and Prosper Financial Partners, LLC. Cambridge Investment Research Advisors serves a diverse client base of individual and institutional investors, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides access to various platforms, third-party advisers, and proprietary model strategies.

Peter Rohr is a financial advisor at Merrill with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1987, including a 15-year tenure with Bank of America, N.A. Outside of his advisory role, he serves as a trustee for The Haverford School and is a board member of the CFP Board of Directors. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Kane is a financial advisor with Raymond James & Associates in Devon, PA, holding a Series 63 designation and 29 years of industry experience. Her prior firms include Merrill, Morgan Stanley, Wells Fargo Clearing, and Janney Montgomery Scott. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, charitable organizations, and governmental entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Kyle Demarino is a financial advisor at Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 designations with four years of industry experience. He has been with Vanguard since 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. Their investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Joseph Devlin is a financial advisor with Merrill based in Wayne, PA. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. Devlin has been with Merrill Lynch and Bank of America 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 plans, corporations, and charitable organizations.

Brian Fox is a financial advisor at Wells Fargo Advisors with 17 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing for 10 years. Fox owns and manages FOX WEALTH PARTNERS, LLC, a financial practice based in Exton, PA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with various financial product offerings and referral channels.

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.

Madhurima Dey is a Financial Advisor affiliated with Merrill Lynch Wealth Management. She holds the Professional Investment Advisor (PIA) designation. Her role involves assisting clients with their investment and banking needs, including support with retirement plan administration and guidance. Madhurima draws on experience gained at Merrill Lynch, Bank of America, and Merrill Edge, where she worked with active traders and educated clients on various investment products. She attended Rider University, focusing on Finance and investment analysis. Banking services are provided through Bank of America, N.A.

John Kane is a financial advisor at OSAIC with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Lincoln Financial Advisors Corporation and CUSO Financial Services. Outside of advisory work, he is co-owner of Delphi Wealth Management Group, LLC and a co-owner of a CPA/tax preparation practice. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach combines model-based asset allocation and portfolio optimization with discretionary strategies and third-party manager selection.

Alexander Cavaliere is a financial advisor at Vanguard Advisers with 6 years of industry experience. He holds a Series 66 designation and has worked previously at Cetera Wealth Services, Securian Financial Services, and Morgan Stanley. Outside of his advisory role, he is a certified yoga instructor and performs as a guitarist in the Cavaliere Duo. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach, constructing portfolios primarily from Vanguard funds and ETFs with options for tax-aware and ESG-focused strategies.

Gaetana Di Giovanni is a financial advisor at Vanguard Advisers with eight years of industry experience. She holds Series 63 and Series 66 licenses and has been with Vanguard in various capacities since 2018, including her current role which began in 2021. 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 models to set personalized asset allocations and constructing portfolios primarily from Vanguard funds and ETFs.

Tyler Dunbar is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. His work history includes roles at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Coastal Insurance Consulting LLC. He has also been involved with All Star Baseball Academy. 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 methodologies, and manages client portfolios largely with Vanguard funds and ETFs.

David Marshall is a Certified Financial Planner® with 20 years of industry experience. He has been with UBS Financial Services Inc. since 2005. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products supported by proprietary research and capital market assumptions.

Joshua Goldy is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior work includes roles at Randstad and Cardionet, with concurrent employment at The Vanguard Group since 2019. Outside of finance, he works as an audio assistant for DBS Audio, supporting event setup and equipment management. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach. The firm manages large client volumes through digital delivery and offers customizable portfolios primarily composed of Vanguard funds and ETFs.

Jennifer Calabro is a financial advisor at Ameriprise with 26 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Cetera and DNB First, National Association. Outside of her advisory role, she serves on the finance council of St. Joseph Church, where she reviews the church and school budget. Ameriprise is an institutional firm offering retirement-income planning services for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports through a centralized consulting team.

Grant Gaugler is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked at Cetera and related entities since 2024 and previously at Citadel Federal Credit Union and CUSO Financial Services. Cetera Investment Advisers LLC is a nationwide registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Erik Brown is a Certified Financial Planner (CFP®) with 19 years of industry experience. He has worked at The Vanguard Group since 2019 and previously held positions at Northwestern Mutual Wealth Management and related entities from 2008 to 2019. 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 using proprietary models to construct personalized portfolios largely composed of Vanguard funds and ETFs.