Joanna Rotenberg is a Series 66 licensed financial advisor with Vanguard Advisers, based in Malvern, PA, and has two years of industry experience. Prior to Vanguard, she held positions at FMR LLC, Fidelity Canada Shared Services Corp, and BMO Financial Group. She serves as board member and treasurer for Sinai Health System and is on the Rotman Dean’s Advisory Board at the University of Toronto. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios, mainly composed of Vanguard funds and ETFs, supported by a large advisor team and extensive digital delivery.

Terrence Fant is a financial advisor with Raymond James & Associates in Devon, PA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Raymond James & Associates since 2011. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning and investment consulting through various programs and affiliated research resources.

Isidore Ogoussan is a CFP® and ChFC® with 15 years of experience in the financial services industry. He is currently with Cambridge Investment Research Advisors and previously worked at Penn Mutual Life Insurance Company and Hornor, Townsend & Kent, Inc. Ogoussan is a committee member of the Delaware Africa Coalition and the Young Caribbean Professional Network and serves on the board of the Pennsylvania Restaurant and Lodging Association. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers comprehensive financial planning and investment management services through a network of independent Financial Professionals, employing a variety of portfolio management strategies across multiple custody platforms.

Alexander Johnson is a financial advisor at Vanguard Advisers with two years of industry experience. He holds the Series 63 and Series 66 designations and has been with Vanguard Advisers since 2025, also working with Vanguard Marketing Corporation and The Vanguard Group since 2023. Prior to joining Vanguard, he spent six years at the University of Pennsylvania. Vanguard Advisers offers automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, combining scale and digital delivery to manage a large client base across various investment solutions.

Mark Lydon is a Senior Financial Advisor with Merrill Lynch Wealth Management and a founding partner of GSL & Associates. Since joining Merrill Lynch in 2003, Mark has provided wealth management services focused on income management, investment strategies, and retirement planning. He works with businesses, executives, and high-net-worth clients, offering customized financial strategies that include individual and third-party investment managers’ portfolios. Mark also develops and services corporate retirement plan clients. Mark began his financial services career following his graduation from Widener University with a bachelor’s degree in business communications. Prior to joining Merrill Lynch, he spent five years with the Vanguard Group as a Retirement Specialist. He holds the Professional Investment Advisor (PIA) designation. Mark is committed to a comprehensive, long-term approach to wealth management that emphasizes understanding clients' financial situations in relation to their long-term goals. Outside of his professional work, Mark volunteers as a youth baseball coach with Lionville Youth Athletics. He lives in Chester Springs, Pennsylvania, with his wife Michelle and their three children.

Steven Schriver serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. In his work, he focuses on collaborative financial planning, emphasizing its importance as a foundational aspect of his clients' financial well-being. Prior to joining Fidelity Investments, Steven was a Wealth Client Partner at Citizens Securities Inc. for ten years, from 2012 to 2022. His experience in these roles centers on comprehensive financial consulting and partnership with clients. Outside of his professional responsibilities, Steven enjoys a range of personal interests including baseball, concerts, family activities, fitness, music, and traveling.

Dean Bellos is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm employs an IPS-driven approach grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Maria Shields is a financial advisor at Ameriprise with 25 years of industry experience. She has been with Ameriprise and its predecessor firms since 2005. Shields serves on the board of trustees for The Wyndcroft School in Pottstown, PA. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendations through a centralized consulting team.

Christine Burghart is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She holds the Series 63 designation and has been with Wells Fargo Advisors since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including niche areas such as business-owner transition and special-needs analysis, utilizing proprietary research and planning tools to develop tailored recommendations.

Zachary Goodwin is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping executives, individuals, and families make informed financial decisions by providing personalized wealth management strategies. Zachary's client focus includes managing new wealth, personal retirement planning, portfolio management services, small business strategies, sports and entertainment industries, individual and corporate investment strategies, tax minimization, and retirement income planning. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation as well as the Personal Investment Advisor (PIA) credential. Zachary earned a Bachelor's Degree from Temple University and graduated from North Penn High School. His approach involves understanding clients' financial positions and goals, then designing plans to pursue desired outcomes while managing investment risk. Beyond his professional work, Zachary enjoys adventure sports, boxing, football, golfing, hiking, music, pickleball, reading, spending time with his family, and traveling.

Michael Marciano is a CFP® and ChFC® credentialed advisor with 39 years of industry experience. He has been with Cambridge Investment Research Advisors since 2009. Outside of his advisory role, he serves as a finance committee member for St. Davids Golf Club. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of portfolio strategies and multiple custody platforms.

Alexander Schinker is a CFP® certificant with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2011. Outside of his advisory role, he owns and manages a rental property in Lancaster, Pennsylvania. 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 with portfolios primarily constructed from Vanguard funds and ETFs.

Marc Bivona is a financial advisor at Vanguard Advisers with a Series 66 credential and three years of industry experience. He has held a teaching position in marketing at the University of Illinois Urbana-Champaign since 2022, instructing graduate students remotely. Prior to joining Vanguard, he worked at Randstad and Fortune Builders Inc. 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 to portfolio construction, primarily employing Vanguard funds and ETFs, supported by a large team of advisors managing a high volume of client relationships.

Jacqueline Coyne is a financial advisor at Vanguard Advisers with 11 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with The Vanguard Group since 2015. Coyne also has a concurrent role at Villanova 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 approach to set personalized asset allocations and offers a range of customizable portfolio options utilizing Vanguard funds and ETFs.

George Scafidi is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Bank of America/Merrill Lynch, New York Life Insurance, and David Lerner Associates. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with affiliated brokerage and investment management capabilities.

Matthew Lorenz is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and nine years of industry experience. He has worked at The Vanguard Group, Inc. since 2017 and spent one year at Avenue365 Lender Services prior to that. Vanguard Advisers provides automated and human-supported investment advice through services such as Vanguard Digital Advisor and Vanguard Personal Advisor, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages a large client base with a combination of digital platforms and advisor teams.

Julia Brufke Wenger is a financial advisor at Osaic with 28 years of industry experience. She holds the CFP® and ChFC® designations and previously worked at Signator Investors Inc for 10 years before joining Osaic in 2018. Outside of her advisory work, she is an author of novels, an inventor with a patent-pending fashion item, and a songwriter. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios tailored to client needs.

Mitchel Odiaka is a financial advisor with Vanguard Advisers holding Series 66 and Series 63 credentials and three years of industry experience. He has worked at several Vanguard affiliates since 2022 and serves as a Scrum Master for Neo 8 Energy Solutions, an energy solutions firm based in Abuja. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed largely from Vanguard funds and ETFs, offering scalable digital delivery and a range of customization options.

Julie Virta is a CFP®, CFA®, and holds a Series 66 license with 26 years of industry experience. She has been with The Vanguard Group since 1999. Vanguard Advisers offers both 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, primarily using Vanguard funds and ETFs, and manages hundreds of thousands of client relationships through a combination of digital platforms and advisor teams.

Kelly Duncan is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has worked at The Vanguard Group and Vanguard Marketing Corporation since 2015. Vanguard Advisers provides a combination of 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 primarily utilizes Vanguard funds and ETFs in its portfolio construction.