Douglas Hepburn is a CFP® professional with 29 years of industry experience, currently with Cetera, where he has worked since 2013. He is president of Financial Workshops LLC, a financial education business, and founder and executive director of Lower Providence Jr Trap, a youth sports team organization. He also serves as an estate executor and holds a role as an insurance agent. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Matthew Callaghan is a CFA® charterholder with 15 years of industry experience. He has worked at The Vanguard Group, Inc. since 2011 and is currently affiliated with Vanguard Advisers. Vanguard Advisers serves retail investors and eligible employer-sponsored retirement plan participants through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach to portfolio construction, primarily using Vanguard funds and ETFs, and manages a large client base through its digital platform and team servicing model.

John Patsy is a financial advisor with LPL Financial, holding CFP® and Series 66 designations and 18 years of industry experience. He has been with LPL Financial since 2009. In addition to his advisory role, he is an agent involved with non-variable insurance through LTCi Partners, Crump. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Cathy Jackson is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 28 years of industry experience. She previously worked at Avantax Investment Services and Next Financial Group and has been involved with Beacon Financial Group for over 20 years. Jackson serves as a board member and volunteer for charitable organizations focused on financial education and community support. Cetera Investment Advisers LLC operates a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services across various program structures and custodial relationships.

Andrew Aramany is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2005 and brings over two decades of experience in the financial services industry, including prior positions at the Vanguard Group and Lincoln Financial Group. Andrew holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), CHARTERED FINANCIAL CONSULTANT (ChFC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Andrew earned a bachelor’s degree from the University of Delaware and a master’s degree from Villanova University. At the University of Delaware, he was awarded an Athletic Letter Award for football. He works closely with clients to develop investment strategies tailored to their financial goals and risk tolerance, focusing on areas such as college education planning, liquidity management, managing new wealth, personal retirement planning, and women and wealth. In addition to his advisory role, Andrew teaches investment-related courses at the Life Long Learning Institute at Immaculata University and Chester County Night School. Andrew resides in Downingtown, Pennsylvania, with his wife and three children. His personal interests include biking, football, golfing, racquetball, running, scuba diving, and tennis.

Stephen Graham Jr. is a financial advisor with Vanguard Advisers in Malvern, PA. He holds the Series 63 and Series 66 designations and has 20 years of industry experience, all with The Vanguard Group since 2006. 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 that uses proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through a digital platform combined with team servicing.

Holly Wilrigs is a Series 66–licensed financial advisor with Vanguard Advisers, based in Malvern, PA, and has four years of industry experience. Before joining Vanguard in 2022, she worked at Vanscoy Maurer & Bash Diamond Jewelers and Bankers Life Insurance Company. She is employed by The Vanguard Group, Inc., the parent company of Vanguard Marketing Corporation. Vanguard Advisers delivers 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 approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs, and it manages a large client base through a combination of digital platforms and advisor teams.

Ryan Ashcroft is a financial advisor at Morgan Stanley in Berwyn, PA, holding a Series 66 designation with 16 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2010 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that utilizes firm-approved tools and models to assess potential outcomes.

Benjamin Davis is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and having two years of industry experience. His prior experience includes roles at Delphi Wealth Management Group and The Vanguard Group. Outside of his advisory work, he operates e-commerce businesses selling items on platforms such as Mercari, eBay, and Facebook Marketplace. 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 constructed mainly from Vanguard funds and ETFs, offering various customization options and serving a large client base through a combination of digital platforms and advisor teams.

Brooke Wooding is a financial advisor with Wells Fargo Clearing in Chesterbrook, PA, holding Series 63 and Series 66 designations and nine years of industry experience. She has worked at Wells Fargo Clearing since 2017 and has prior experience at Liberty University and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, managing approximately $671 billion in assets with over 14,000 advisors.

Christine Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning her career in financial services in 1999, she has focused on assisting clients through a holistic, formula-based approach to accumulating, managing, and preserving wealth. Christine works closely with individuals, families, and businesses, providing integrated wealth management and planning services based on a comprehensive understanding of each client’s financial situation and priorities. With over two decades of experience, Christine’s expertise includes retirement planning, business transition strategies, college education planning, legacy planning, and socially responsible investing. She holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christine also completed a Non-Accredited Certificate Program at Taylor University. She is active in professional and community organizations such as the Southern Chester County Chamber of Commerce and Believers In Business, where she serves on committees and the board. Christine is committed to providing objective advice and personalized service, emphasizing integrity and attention to detail. She views financial advising as a process that requires adaptability to life changes and aims to empower clients to take control of their financial lives. Living in Chester County, she participates in local community activities and enjoys cooking, gardening, golfing, horseback riding, and photography.

Patrick White is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2022, including roles at Charles Schwab Bank. Prior to that, he spent nine years at Scottrade and four years at TD Ameritrade Investment Management. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Erica Baczkowski is a CFP® professional with 12 years of experience currently serving at Vanguard Advisers. She has held roles at FocusT Pointe Global since 2016 and has been affiliated with multiple Vanguard entities since 2014. Outside of her advisory work, she participates in focus groups through Focus Ponte Global. 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 to asset allocation, using proprietary models and primarily Vanguard funds and ETFs to construct portfolios with various customization options.

Tina Cifferello is a financial advisor with Merrill in Wayne, PA, holding a Series 66 designation and nine years of industry experience. She has been with Merrill since 2017. 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.

Matthew Morrissey is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior roles include positions at PNC Investments and PNC Bank. Morrissey has been with Vanguard Advisers and affiliated Vanguard entities since 2018. Vanguard Advisers provides 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, utilizing proprietary methodologies and largely Vanguard funds and ETFs to create personalized portfolios.

Thomas Jones is a financial advisor at Vanguard Advisers with 4 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2021, as well as previously at Bryn Mawr Trust Company for 10 years. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach combines goal-based, algorithm-driven methodologies with portfolios primarily composed of Vanguard funds and ETFs, offering customization options including ESG preferences and tax-aware strategies.

William Willson III is a financial advisor with Vanguard Advisers and holds the Series 66 designation. He has one year of industry experience, having joined Vanguard in 2026 after working in various roles outside the financial sector. 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 personalized asset allocations, constructing portfolios mainly from Vanguard funds and ETFs.

Benjamin Spalter is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing for nine years. Outside of his advisory role, he serves as a trustee of a family trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet a net-worth threshold, utilizing Wells Fargo research and tools to develop personalized recommendations.

Megan Wager is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has held various roles within The Vanguard Group, Inc. and its affiliates since 2013, including positions at Vanguard Marketing Corporation and OBVI Boutique. Vanguard Advisers provides 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 and manages portfolios primarily composed of Vanguard funds and ETFs, offering features such as tax-aware strategies and customization options.

Ryan Schwab is a CFP® and Series 66-licensed financial advisor with four years of industry experience. He is currently with Charles Schwab and Charles Schwab Bank, SSB, where he has worked since 2022. His prior experience includes roles at Equitable Advisors, Specialty Medical Products, Schwan's Global Supply, Ursinus College, and Pope John Paul II School. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and provides integrated brokerage, custody, and cash-sweep services.