Michael Zollers is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, with prior experience at Wells Fargo Bank NA and Citizens Securities, Inc. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kevin Kolmer Jr. serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2004 and joined his current team in 2007. In his role, he supports clients ranging from those in the early stages of their careers to individuals nearing retirement, assisting them with disciplined, risk-managed strategies tailored to their financial goals and helping them navigate complex financial decisions. Kevin holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's degree in Business Management from Gettysburg College, where he was actively involved in tutoring and community service activities. In addition to his professional work, Kevin is engaged in his community through coaching in the Berwyn Paoli Area Little League and serving on the finance committee at The Benchmark School. He resides in Berwyn, Pennsylvania with his wife, two children, and their dog. His personal interests include golf, running, paddle tennis, and spending time with his family.

Brett Wallace is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2011. He is also involved with Maplezone, a business he has been associated with since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved tools to assist clients in developing tailored financial plans.

Andrew Ivory is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and four years of industry experience. He has been with Vanguard Advisers since 2026 and has worked with related Vanguard entities since 2022. Prior to his current role, he held a variety of positions in sectors including finance and retail. Vanguard Advisers offers both automated and human-supported investment advice, serving retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Oscar Pedraza is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 34 years of experience in the financial services industry and joined Merrill Lynch in 1997. Oscar provides wealth management strategies to high net worth clients and assists small and mid-sized businesses with financing, investing, and cash management opportunities. He holds several professional designations, including Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor®, Personal Investment Advisor, and Retirement Benefits Consultant. Oscar earned his undergraduate degree from the University of Wisconsin-Madison in 1986 and obtained a doctorate from Chicago-Kent College of Law in 1991. He is the past Vice President and Board of Director for Big Brothers Big Sisters of Chester County, where he also served as a mentor for ten years. He resides in Malvern, Pennsylvania, with his wife Camille and has two children in college. Oscar speaks both English and Spanish. In his personal time, Oscar enjoys activities such as bowling, cooking, golfing, hiking, music, racquetball, reading, soccer, and spending time with his family. He does not provide legal or tax advice in his role as a financial advisor with Merrill Lynch.

Nicole Maltese is a financial advisor with Wells Fargo Advisors who holds a Series 66 designation and has 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and joined Wells Fargo Advisors Financial Network in 2026. Outside of her advisory role, she serves as the treasurer for the Girl Scouts in West Chester, PA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, delivering tailored recommendations through meetings and written summaries.

Brendan Graham is a Series 66–licensed financial advisor with Vanguard Advisers, based in Malvern, PA. He has two years of industry experience, including prior roles at InFocus Financial Advisors and various positions at Salisbury University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates proprietary modeling and primarily Vanguard funds and ETFs. The firm manages a large scale of client relationships supported by a team servicing model and focuses on retail and plan participant clients.

Kelly Klyce is a CFP® professional with 23 years of industry experience. She has been with Vanguard Advisers since 2014 and has worked at Vanguard Marketing Corporation and The Vanguard Group Inc. since 2002. Kelly is based in Malvern, PA. Vanguard Advisers provides both 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 to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a high volume of client relationships through its digital platform and team model.

Gordon Ferguson is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds the Series 66 and Series 63 licenses. Prior to joining Vanguard Advisers, he spent 11 years at Global Atlantic Financial Company. Vanguard Advisers provides both 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 to portfolio construction, utilizing Vanguard funds and ETFs along with various tax-aware and customization features.

Elizabeth Smith is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2008. 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.

Ryan Uchniat is a financial advisor at Vanguard Advisers with 11 years of industry experience. He holds the Series 66 designation. His prior work includes roles at Scottrade, Inc. and Jeffrey Miller Catering. Vanguard Advisers provides automated and human-supported investment advice for retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm combines scale and digital delivery to manage a large client base with a high client-per-advisor ratio.

William Mundy is a financial advisor with Morgan Stanley in Berwyn, PA, holding a Series 66 designation and 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012 and the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Mundy serves on the capital committee of the Aronimink Golf Club and is a member of the Advisory Board at Agnes Irwin School, focusing on issues related to girls' education. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive resources. The firm manages approximately $2.74 trillion in client assets and serves clients through various specialized programs and financial planning strategies.

John Scott II is a Certified Financial Planner (CFP®) with 10 years of industry experience. He currently works at Vanguard Advisers and has held roles at various Vanguard entities since 2016, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides both automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily invests in Vanguard funds and ETFs, serving hundreds of thousands of clients through a combination of digital platforms and a large advisor team.

Ryan Bell is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has worked at various Vanguard entities since 2022, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Prior to that, he held roles at Bank of America and in academic settings at the University of Delaware and East Stroudsburg University. 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 with portfolios constructed mainly from Vanguard funds and ETFs, offering scalable digital delivery supported by a large team of advisors.

James Mammarella Jr. is a CFP® professional with 34 years of industry experience, currently serving as an advisor at OSAIC since 2023. Prior to joining OSAIC, he worked at FSC Securities Corporation for 16 years. Outside of his advisory role, he owns Wealth Efficiency Strategies, a firm focused on evaluating insurance needs. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale, consolidation activity, and complex affiliate network.

Thomas Egan is a CFP® professional with 22 years of experience in the financial industry. He has been with Vanguard Advisers since 2019 and has worked within the Vanguard organization since 2007. His credentials also include Series 63 and Series 65 licenses. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a digital delivery platform.

Christopher Kwon is a financial advisor with Equitable Advisors in Devon, PA, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has worked at Equitable Advisors since 2016 and previously worked at Axa Advisors, LLC and MSI Financial Services, Inc. Kwon also conducts business using external platforms linked to his professional activities. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory models, including third-party asset managers and LPL-sponsored programs, and offers ERISA fiduciary services through credentialed representatives.

Max Minnier is a financial advisor with Merrill in Wayne, PA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill and Bank of America, he was a full-time student for four years and operated a landscaping business during high school. He is also the sole owner of a rental property investment in Downingtown, Pennsylvania. 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 a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Aditi Dayal is a CFP® with 23 years of industry experience, currently serving at Vanguard Advisers since 2020. She has been associated with The Vanguard Group Inc. and Vanguard Marketing Corporation since 2002. 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 primarily constructed from Vanguard funds and ETFs, combining scale and digital delivery to manage a large client base efficiently.

Kyle Ryan is a CFP® and ChFC® with seven years of industry experience. He is currently affiliated with LPL Financial and Menninger & Associates, where he has worked since 2018 and 2022 respectively. Outside of his advisory roles, he contributes as an article editor for LendEDU. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms.