Mark Heater is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at The Vanguard Group since 2018 and previously contributed to the Heater Dynasty Podcast from 2020 to 2021. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. 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.

Ivan Eiraldi is a CFP® professional with 14 years of industry experience, currently serving as an advisor at Vanguard Advisers in Malvern, PA. He has been with The Vanguard Group since 2011. Vanguard Advisers offers a combination of automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily Vanguard funds and ETFs.

Ryan Donnelly is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management based in Wayne, Pennsylvania. He leads a wealth management team that provides personalized financial guidance to clients, including successful families, entrepreneurs, and business owners across the United States. His work focuses on helping clients navigate complex financial decisions and pursue goals such as business sale preparation, retirement planning, wealth preservation and growth, and legacy creation. Ryan holds a bachelor's degree in International Relations with a concentration in Economics from the University of Delaware and a Juris Doctor from Duquesne University School of Law. He is a CERTIFIED FINANCIAL PLANNER4 professional and a Certified Plan Fiduciary Advisor4, credentials that support his expertise in comprehensive wealth planning, tax-efficient wealth transfer strategies, retirement plan design, and fiduciary advisory. As a Merrill Portfolio Advisor, he manages discretionary investment portfolios aligned with clients' long-term goals and risk tolerance. Committed to community involvement, Ryan follows Merrill's tradition of participation by volunteering with local organizations. Outside of his professional activities, he enjoys baseball, basketball, football, skiing, softball, and spending time with his family.

Joshua Weiskopf is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 designations and bringing 23 years of industry experience. His prior roles include positions at Royal Alliance Associates, John Hancock Financial Network, Legacy Planning Partners, and Securian Financial Services. Outside of his advisory work, he owns a life insurance sole proprietorship and serves as a registered representative offering insurance and investment products through Bala Financial Group. Osaic Wealth, Inc. serves a diverse client base ranging from individual and high-net-worth investors to institutional entities such as pension plans and corporations. The firm provides a range of services including brokerage and advisory, financial planning, managed accounts, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Tara Bechter is a financial advisor at Vanguard Advisers with five years of industry experience. She holds the Series 63 and Series 66 designations and has worked at various Vanguard entities since 2020. Prior to her current role, she had positions at Georgine's Jr, Delaware Valley University, Temple University, and Giant Food. Vanguard Advisers offers both 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, utilizing Vanguard funds and ETFs with tax-aware features and customization options.

Kelly Rose is a financial advisor with Fidelity who holds Series 63 and Series 66 licenses and has 13 years of industry experience. She has worked with various Fidelity entities since 2013, including Fidelity Brokerage Services LLC, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it provides advisory services to registered investment companies and model portfolios for intermediary platforms.

Sophal Pao is a financial advisor at Vanguard Advisers with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at The Vanguard Group since 2018. Prior to that, he was employed at Axa Advisors, LLC and LaSalle University, and also spent over a decade at Streamlight, Inc. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to asset allocation, utilizing proprietary models and largely investing in Vanguard funds and ETFs, while serving a large client base through digital delivery and a team servicing model.

Scott Safford is a financial advisor with Primerica Advisors in Paoli, PA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Intralinks and Lincoln Financial Distributors. In addition to advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure as part of its operational model.

Leslie Chatty is a CFP® with 25 years of industry experience, currently serving at Vanguard Advisers since 2016. She has also worked with Vanguard Marketing Corporation and The Vanguard Group since 2012. Leslie holds Series 63 and Series 65 licenses. Outside of her advisory role, she is an investor in Botanery Barn Distilling, LLC, a business located in Elverson, PA. 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 with portfolios constructed largely from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Matthew Jaskel is a CFP® with eight years of industry experience, currently serving as an advisor at Vanguard Advisers in Malvern, PA. His career includes multiple roles at Vanguard entities since 2017 and prior experience at GWFS Equities and Infosys BPM Limited. Outside of his financial career, he works as a freelance videographer for a local sports TV show. Vanguard Advisers provides both automated and human-supported investment advice, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach, constructing portfolios primarily from Vanguard funds and ETFs with various tax-aware and customization features.

Edward Zobian is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with clients to preserve, grow, and efficiently distribute their wealth to help them achieve their goals. Since 1995, he has provided financial strategies and services including retirement and estate planning, philanthropic strategies, and investment consulting. His approach involves detailed understanding of a client's needs and goals to collaboratively build a financial plan tailored to pursuing their long-term objectives. Edward holds a Bachelor's degree in Economics from Haverford College in Pennsylvania. He is a Personal Investment Advisor (PIA) and has been involved in activities such as shot put, discus, rugby, and wrestling during his college years. Beyond his professional role, Edward is committed to community involvement. He serves on the Board of Habitat for Humanity of Chester County and is Chair of the Board of Presidential Advisors for Fiorenza's Food for Friends. His personal interests include baseball, camping, chess, football, golfing, ice hockey, skiing, spending time with family, tennis, and traveling.

Meghan McIntyre is a CFP® and Series 66-registered financial advisor with Ameriprise, based in Phoenixville, PA. She has 21 years of industry experience, including 15 years with Ameriprise Financial Services, Inc. prior to joining Ameriprise in 2020. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Raymond Querey is a financial advisor at Vanguard Advisers with over 30 years of industry experience. He has been with The Vanguard Group, Inc. since 1995. Querey holds Series 63 and Series 65 designations. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages a large client base through a combination of digital platforms and advisory teams.

Andrew Norton is a financial advisor at OSAIC with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Lincoln Financial Advisors Corporation, Citadel FCU, and CUSO Financial Services LP. Outside of his advisory role, he is involved as a selling agent at Delphi Insurance Management Group LLC, offering various insurance products including health, disability, long-term care, and life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options and uses firm-supported tools for portfolio construction and management.

David Hubbs is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and nine years of industry experience. His career includes roles at Citizens Bank, Lockwood Advisors, Merrill, and New York Life Insurance Company. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework for its investment recommendations.

Monica May is a financial advisor at Merrill with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2022, following several years at Citizens Securities, Inc. and Citizens Bank. She serves as a board member for the Colleen P Smith Memorial Fund Inc., which raises scholarship funds for local schools in Philadelphia. 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 range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Concannon is a CFA® charterholder and Series 63 licensed advisor with 10 years of industry experience. He has worked at The Vanguard Group since 2017 and previously held a position at London Business School. He also serves as a limited agent for an immediate family member in an investment-related capacity. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with personalized asset allocations constructed largely from Vanguard funds and ETFs, supported by its digital delivery platform and team servicing model.

Gabriela Rudeck is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. Her prior work includes roles at Ameriprise and self-employment in financial services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with both discretionary and non-discretionary management supported by proprietary and third-party research.

Beth Wentzel is a financial advisor at Ameriprise with eight years of industry experience. She has been with Ameriprise and its affiliated entities since 2016. Outside of her advisory role, she has ownership in a real estate business in Gilbertsville, Pennsylvania. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets. The firm combines research and modeling with tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Kurt Johnson is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been with The Vanguard Group since 2015. 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 that employs proprietary models to create personalized asset allocations, largely using Vanguard funds and ETFs.