Joseph Mchugh is a financial advisor at Vanguard Advisers with 15 years of industry experience. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he owns and operates Generations Landscaping and Lawn Care LLC. Vanguard Advisers delivers 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 using proprietary models and predominantly Vanguard funds and ETFs.

Karen Clemens is a CFP®-certified financial advisor with 11 years of industry experience. She is currently with Cambridge Investment Research Advisors and has held prior roles at Ic Advisory Services Inc. and The Investment Center Inc. Clemens also operates Karen S Clemens CPA, PC, providing accounting services, and engages as an author, educator, and speaker. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals using various portfolio management and platform arrangements.

Christopher Kolmer is a Wealth Management Advisor with extensive experience in both institutional and individual investing. After spending a decade at Deutsche Bank as Vice President in Global Market Sales for Fixed Income, he joined Merrill Lynch Wealth Management in 2015 to focus on assisting individuals and families directly. He serves ambitious and well-educated clients who often have the financial knowledge but not the time to manage their wealth, offering guidance that simplifies complex matters and fosters confidence. Chris holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and a Bachelor's degree in Finance from Villanova University. He emphasizes a proactive and professional approach, aiming to be a reliable resource during major life transitions and ongoing financial planning. He works collaboratively with his brother, Kevin Jr., leveraging their complementary strengths to provide a dynamic team experience for families. Outside of his professional life, Chris is a father of three sons and enjoys spending time with his family, including coaching his oldest son's baseball team. He also pursues interests such as cooking, golfing, and supporting Wildcats basketball.

Nicholas Pocceschi is a financial advisor with Charles Schwab in Wayne, PA, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Morgan Stanley. Since 2019, he has been with Charles Schwab and Charles Schwab Bank. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment due diligence.

Dan Shapero is the Vice President and Branch Leader at Fidelity Investments, a role he has held since 2023. He has held several leadership and financial advisory positions throughout his career, including Branch Manager at E*TRADE From Morgan Stanley from 2021 to 2023, Financial Consultant at E*TRADE Financial from 2017 to 2021, Relationship Manager at PNC Financial Services Group Private Client Group from 2013 to 2017, and Regional Bank Private Banker at Wells Fargo from 2011 to 2013. Dan's professional experience spans branch management, financial consulting, and private client relationship management. His goal is to lead and inspire associates to be the best version of themselves, enabling them to meet the financial planning and service needs of clients effectively.

Mary Kishoiyian is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. She has been with Vanguard Advisers since 2019 and has also worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2010. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing a high volume of client relationships through a combination of technology and a large advisor team.

Martha Temple Cass is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously held a position at Citigroup Global Markets beginning in 2004. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Richard Pinola Jr. is a financial advisor with OSAIC in Malvern, PA, holding Series 63 and Series 65 designations and offering 33 years of industry experience. He has previously worked with Lincoln Financial Advisors Corporation and Hornor, Townsend & Kent, LLC. Outside of advisory services, he operates Hendrixson Pinola Financial Services, providing insurance products including disability insurance and fixed annuities. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services as well as access to multiple managed account platforms. The firm employs various portfolio construction tools and third-party services to support both discretionary and non-discretionary account management.

Christian Pagliaro is a financial advisor at Vanguard Advisers with one year of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Trinity Wealth Securities and Florida Financial Advisors. Prior to his financial career, he served in the United States Marine Corps from 2020 to 2022. Vanguard Advisers provides a combination of 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, primarily utilizing Vanguard funds and ETFs, and manages a large client base through a digital platform supported by a team of over 2,400 advisors.

Shaun Small is a financial advisor with Wells Fargo Advisors in Collegeville, PA, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. He also owns and manages Essential Ally Capital Management, LLC, an investment-related business based in Phoenixville, PA. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, risk, and wealth-transfer strategies. Advisors develop tailored recommendations using Wells Fargo’s research and tools, with clients having flexibility in implementing those recommendations through various brokerage or advisory programs.

Francis Dielsi is a financial advisor at Vanguard Advisers with 20 years of industry experience. He has worked at The Vanguard Group, Inc. since 2005. Outside of his advisory role, he serves as a limited agent for family-related investment matters. Vanguard Advisers provides 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’s approach is goal-based and algorithm-driven, utilizing proprietary methodologies to create personalized portfolios largely composed of Vanguard funds and ETFs.

Raj Rawal is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His background includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. Outside of his advisory work, Rawal is involved in caregiving through 1 Alliance Homecare and participates as an emcee and event organizer. 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 portfolios, largely constructed from Vanguard funds and ETFs, with a range of tax-aware and customization features.

Christopher Bruder is a financial advisor with LPL Financial in Collegeville, PA, holding a Series 66 credential and 24 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory role, he operates The Bruder Investment Group as a DBA and provides non-variable life insurance policies to clients. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of advisors and extensive technology tools.

Calvin Thomas is a Financial Advisor at Merrill Lynch Wealth Management, where he dedicates his work to helping clients achieve their financial goals through personalized financial strategies. He collaborates closely with clients to understand their full financial picture and develop flexible wealth management plans that adapt to changing market conditions. His approach includes providing access to investment insights from Merrill and banking and lending solutions through Bank of America. Calvin's expertise encompasses family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He assists clients in defining their goals and choosing portfolio strategies designed to reach them, offering ongoing advice and adjustment as their situations evolve. He holds the Professional Investment Advisor (PIA) designation. He earned a Bachelor's Degree from the University of Delaware. Outside of his professional work, Calvin has interests in adventure sports, football, hiking, hunting, running, skiing, soccer, spending time with his family, traveling, and watching movies.

Benjamin Mcclung is a financial advisor with Vanguard Advisers holding Series 63 and Series 66 licenses and four years of industry experience. His prior work includes positions at Grubhub and Origlio Beverage. He is currently employed by The Vanguard Group, Inc., the parent company of Vanguard Marketing Corporation. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs, offering customization options such as ESG and tax-aware strategies.

Jonathan Woolley is a financial advisor at Vanguard Advisers with 21 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Ameriprise Financial Services. Outside of his advisory role, he owns Liberty Trailer Rentals, LLC, a trailer rental business based in Phoenixville, PA. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm uses a goal-based, algorithm-driven approach with portfolios mainly composed of Vanguard funds and ETFs, offering a broad range of customization options and managing a large number of client relationships through its digital platform and advisory team.

Brandon Skupski is a financial advisor with LPL Financial and holds a Series 66 designation. He has 18 years of industry experience, including prior roles at J Alden Associates, Alden Capital Management, Triad Hybrid Solutions, Wells Fargo Clearing, Wells Fargo Advisors, Morgan Stanley, and Citigroup Global Markets. 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. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, supporting a broad range of investment strategies and utilizing advisor-facing tools for operational support.

James Massengill is a CFP® professional with 29 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has an extensive career at The Vanguard Group, Inc., spanning over three decades, along with experience in educational roles at several institutions. 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 investment approach, utilizing proprietary models and primarily Vanguard funds and ETFs in its portfolios.

Jonathan Wood is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Exton, Pennsylvania office. He is part of The Wood Cain Group, a team with over 92 years of Wealth Management and Financial Services experience, focusing on serving a select group of successful families and businesses. The team bases its planning relationships on clients' financial needs, objectives, time horizons, and risk tolerance, aiming to assist in wealth accumulation, preservation, and transfer strategies. Jonathan's expertise includes areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. The team's process incorporates asset allocation, liability management, tax minimization strategies, and asset preservation. He holds a Bachelor's Degree from Pennsylvania State University and a High School Diploma from Ridgewood High School. Jonathan is also a member of the Pennsylvania State University Alumni Association.

Joseph Lo Stracco is a financial advisor at Cetera with eight years of industry experience and holds the Series 66 designation. His prior roles include positions at Voya Financial Advisors and Kalejta Financial Management. He is also involved with Flagship Financial, a financial services firm. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes discretionary and non-discretionary program options.