Michael Musial is a CFP® with 21 years of industry experience and has been with The Vanguard Group, Inc. since 2004. He is based in Malvern, PA and holds a Series 63 license. 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 focuses on portfolios constructed mainly from Vanguard funds and ETFs, offering various customization options.

Shawn Pearson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He previously worked at PNC Investments LLC before joining Wells Fargo in 2018. Outside of his advisory role, he co-owns KLHS Capital Management, an investment-related business, with his spouse. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Ryan Flynn is a financial advisor with LPL Financial in Newton Square, PA, holding Series 63 and Series 66 credentials and 18 years of industry experience. He previously worked at Fs2 Capital Partners, LLC from 2011 to 2017 before joining LPL Financial in 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning services, and brokerage solutions, utilizing research and model portfolios to provide both discretionary and non-discretionary management.

Christopher Mitchell is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at OSAIC since 2018. Prior to that, he worked at Sii from 2016 to 2018. Outside of his advisory role, Mitchell is actively involved in baseball as an independent consultant and a certified MLBPA agent, and he serves as president of the Philadelphia chapter of the Association of Professional Ball Players of America. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk assessment methodologies to construct diversified portfolios across multiple asset classes.

Corey Kreston is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 66 licenses and has been with Vanguard and its affiliates since 2019. His prior work includes positions at 84 Lumber, Citi, the University of Delaware, Penske Automotive, and Blue Chip Sports. 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 models to create personalized asset allocations, primarily constructing portfolios from Vanguard funds and ETFs with various customization options.

Crystal Lawrence is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has been with Vanguard Advisers since 2026 and has involvement with the Jamaican Vybez Sauce Company since 2019. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisory services, serving retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach, primarily employing Vanguard funds and ETFs, with a focus on scalable digital delivery and customized client portfolios.

Paul Karcher is a financial advisor with RBC Capital Markets in Chadds Ford, PA, holding a Series 63 designation and over 43 years of industry experience. He has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory role, he operates a garden business building raised beds and conducts self-defense workshops through a personal safety company; he also serves as a committee member focused on voter outreach in his local precinct. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individuals, institutions, and charitable organizations, offering customized portfolio management and financial planning services through various advisory programs.

Brian West is a Series 66 registered financial advisor with Vanguard Advisers, bringing three years of industry experience. He has been with Vanguard Advisers since 2023 and has also held roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2022. Prior to his finance career, he worked at Penn State University and Downingtown STEM Academy. Vanguard Advisers offers a combination of automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses an algorithm-driven, goal-based investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various customization options.

David Wood is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 35 years of industry experience. He previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, he owns SEA BUDDY ENTERPRISES LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research, model portfolios, and various investment strategies.

D. Scott Wisman is a Wealth Management Advisor with extensive experience at Merrill Lynch Wealth Management. Since 1982, he has provided customized wealth management services to affluent individuals, families, and professionals. His approach emphasizes taking a comprehensive view of wealth management that goes beyond clients' investments, beginning with listening to understand what is truly important to them before making recommendations. Scott draws on over 40 years of experience navigating both turbulent and prosperous markets. He specializes in constructing and managing fixed income portfolios and focuses on helping clients make decisions based on long-term goals rather than short-term market fluctuations. His client focus areas include college education planning, corporate executive services, executive compensation, family wealth management strategies, personal retirement planning, portfolio management, investment strategy, tax minimization, and retirement income. Scott earned his Bachelor's degree from Virginia Polytechnic Institute & State University. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been recognized by Forbes as one of America's Best-in-State Wealth Advisors for multiple consecutive years and was named to Barron's America's Top 1,200 Financial Advisors list from 2011 to 2017. Outside of his professional work, Scott is an avid skier and sports car enthusiast. He resides in West Grove, Pennsylvania, with his wife, Barbara. They have two children, Jennifer and Michael, the latter of whom is a Financial Advisor with the team.

Anthony Degli Obizzi Jr. is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has six years of industry experience and previously worked at Lincoln Financial Distributors, Morgan Stanley, and JPMorgan Chase. He also holds an outside insurance sales position as a property and casualty broker. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational programs using firm-approved analytical tools and offers specialized services such as divorce planning and event-driven estate settlement.

Walter Timby IV is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His work history includes roles at Mass Mutual Investors Services since 2017, Metlife Securities Inc. since 2015, and New England Securities since 2002. In addition to his advisory work, he operates as an independent insurance agent specializing in individual life, health, group life, and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning and asset management services, utilizing firm-approved software tools and structured planning engagements to develop tailored recommendations.

Geraldine Pacor is a financial advisor at Merrill with 21 years of industry experience. She has been with Merrill since 2015 and holds Series 63 and Series 66 licenses. Outside of her advisory role, she manages a sole proprietorship through which she oversees a rental property in Wayne, Pennsylvania. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Thomas Helmig is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 15 years of experience to his role. He began his career in Merrill's home office in Hopewell, NJ, where he gained extensive knowledge of the firm's resources and capabilities. In 2018, after earning his CERTIFIED FINANCIAL PLANNER® designation, he joined the Helmig Lammers Group focusing on serving the financial planning and wealth management needs of multigenerational clients and families. Thomas concentrates on investment strategy, portfolio management, and planning for areas including education planning, executive compensation, legacy planning, philanthropic planning, and liquidity management among others. He works closely with attorneys, accountants, and other professionals to provide customized financial plans that adapt to clients' evolving needs and goals. He holds a bachelor's degree from the University of Delaware and also holds the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Thomas and his wife Jillian reside in West Chester with their three sons. He is involved in community coaching youth sports and enjoys spending time with family and friends, golfing, cooking, traveling, and following Philadelphia sports teams.

Peter Grassi is a financial advisor affiliated with LPL Financial, holding a Series 63 designation and bringing 27 years of industry experience. He has worked with LPL Financial since 2013 and is also associated with Global Retirement Partners, LLC, an independent registered investment advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Jesse Roth is a CFP® with 28 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group since 1997. Outside of his advisory role, he acts as a full VG agent managing accounts for his spouse. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. Their investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized asset allocations primarily composed of Vanguard funds and ETFs.

Randy Lee is a CFA® with 20 years of industry experience, currently serving at Vanguard Advisers. He has been with Vanguard and its affiliates since 2004, including roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation. Vanguard Advisers offers both 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 investment approach with personalized asset allocations and a range of customization options, managing a large client base through a combination of digital platforms and a team servicing model.

Patricia Hartnett is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Hartnett serves as a finance committee member for St. Elizabeth Church Parish in Chester Springs, PA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related products and bank deposit sweep options.

Evan Smrek is a CFP® with 15 years of industry experience, currently serving at Vanguard Advisers. He has worked at The Vanguard Group, Inc. since 2010 and is also the owner of Apothecary Alexander, LLC, a tea business. 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 construct portfolios mainly from Vanguard funds and ETFs, delivering services at scale through its digital platform and team model.

Tracy Auerbach is a financial advisor at Vanguard Advisers with 12 years of industry experience. She holds Series 65 and Series 66 licenses and has worked at Vanguard-associated entities since 2021, following prior roles at Adondo Capital and the University of Pennsylvania. Auerbach is a minority shareholder and named inventor on two patent applications for software tools designed to assist CFOs of private companies in managing equity and investor relations. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering features such as tax efficiency and customizable asset allocations.