James Napier II is a financial advisor with Vanguard Advisers, holding a Series 66 designation and six years of industry experience. His career includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. He previously worked with Venio LLC dba Keane Unclaimed Property and was a self-employed contractor. Vanguard Advisers provides automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and focuses on portfolios constructed largely from Vanguard funds and ETFs.

Joseph Montooth is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of industry experience and has previously worked at MassMutual Life Insurance Company and Creative Financial Group. Outside of finance, he has served with the Dewey Beach Patrol. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-oriented planning using firm-approved analytical tools and provides various educational and event-driven planning programs.

Brian Reynolds is a financial advisor with Vanguard Advisers in Malvern, PA. He holds Series 66 and Series 63 licenses and has four years of industry experience. Outside of his advisory role, he has worked in hospitality as service staff for Finley Catering since 2016. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily invests in Vanguard funds and ETFs, serving a large client base through its digital platform and extensive advisor team.

Julie Bickel is a CFP® professional with 29 years of industry experience, currently affiliated with LPL Financial. Her prior experience includes 15 years at Boenning & Scattergood, Inc., and eight years combined at Dearden, Maguire, Weaver & Barrett, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various investment strategies, supported by extensive resources and technology tools.

Jared Pinter is a financial advisor at Raymond James Financial with one year of industry experience. He has prior work experience at DeSales University, Target Corporation, and Boyertown Area School District. He is associated with Birch Run Financial LLC in a non-investment role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Brant Murray is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, Citizens Bank, PNC Bank, and the Community College of Philadelphia. Outside of his financial career, he is involved with Garage Fishtown, a separate business venture. 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 strategies for a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Euan Livington is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior roles include positions at Equitable Advisors and T. Rowe Price. He has also worked at West Chester University and Hartefeld National Golf Course. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm employs proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Catherine Koresh is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2008. Outside of her advisory role, she is the owner of Oack LLC, an LLC she created with her husband. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Brad Krajsa is a financial advisor with Ameriprise in Wyomissing, PA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its related entities since 2003. Krajsa owns and administers CSWMG, Inc., a business established to manage his Ameriprise practice administration and expenses. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional firm.

Ryan Galloway is a financial advisor at Mass Mutual Investors Services with 15 years of industry experience. He holds the ChFC® and Series 66 designations. His prior experience includes roles at MetLife Securities Inc. and MassMutual Life Insurance Co. Galloway is also an individual life and group health insurance agent. 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 offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analytical tools.

Matthew Delphais is a financial advisor with MassMutual Investors Services holding a Series 66 credential and four years of industry experience. His work history includes roles at MassMutual Life Insurance Company and Downingtown Country Club, where he currently works in the pro shop handling member services and retail sales. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing collaborative, goal-based advice without discretionary investment authority.

Thomas Laky is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with The Vanguard Group since 2012. Vanguard Advisers delivers automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and largely constructs portfolios from Vanguard funds and ETFs.

Constantine Nicopoulos is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and 11 years of industry experience. His prior roles include positions at Wells Fargo Clearing, TD Private Client Wealth LLC, and AssuredPartners Investment Advisors, LLC. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven investment approach utilizes proprietary models to personalize asset allocations, with portfolios primarily composed of Vanguard funds and ETFs.

Richard Mc Elwee is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and nine years of industry experience. His background includes roles at Vanguard Marketing Corporation and The Vanguard Group, as well as positions in education at the University of Phoenix and Delaware County Community College. He has also managed a sound recording business for over a decade. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm utilizes a goal-based, algorithm-driven approach with proprietary models to construct personalized portfolios largely composed of Vanguard funds and ETFs.

John Mccullough is a financial advisor with Mass Mutual Investors Services, holding CFP® and ChFC® designations and over 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2015 to 2017. 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, asset management, and educational seminars, utilizing firm-approved software and a collaborative annual planning process.

Helena Estvanova is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following a prior role at Wells Fargo Bank, NA beginning in 2010. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Michael Presser Jr. is a CFP®-designated financial advisor at Vanguard Advisers with 17 years of industry experience. He has worked at The Vanguard Group since 2008. Outside of his advisory role, he serves as treasurer for the Woodland String Band, a volunteer position involving management of the organization's financial operations. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team servicing model.

James Ferrari is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2017 and Franklin Mint Federal Credit Union since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms.

Anthony Lubrano is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors. Outside of his advisory role, Lubrano serves as a trustee at The Pennsylvania State University. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a range of advisory programs and third-party asset managers to tailor solutions based on client risk tolerance and investment objectives.

William Heider is a financial advisor at Ameriprise with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise Financial Services since 2019, with prior experience at Park Avenue Securities and Guardian Life Insurance. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income sources and tax-aware withdrawal strategies.