Jeffrey Gladstein is an International Wealth Advisor at Merrill Lynch Wealth Management. In this role, he focuses on providing personalized wealth management strategies tailored to clients' individual financial situations and goals. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to help clients navigate changing market conditions. Jeffrey holds the Professional Investment Advisor (PIA) designation and has earned a Bachelor's Degree from Kiev College and School of Architecture and Civil Engineering, as well as a Master of Business Administration (MBA) from the University of Pennsylvania Wharton School. Committed to community involvement, he participates in local organizations through volunteer work, reflecting the Merrill tradition of service in the communities where he works.

Nehanda Spencer is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Her prior work includes roles at Bank of America, N.A., BNY Mellon, Vanguard, and TD Bank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Missett Jr. is a CFA® charterholder with 26 years of industry experience. He has been with Cambridge Investment Research Advisors since 2013 and also serves as president of Strategem Wealth Management. Additionally, he has experience as an independent insurance agent. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management across multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Christopher Grandieri is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he is a partner in C2J Investments, LLC, a company involved in the hospital and healthcare sector. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and analysis methods.

Douglas McAllister is an Investment Consultant currently working at Fidelity Investments since 2024. He has built his career in financial services largely within Chester County, focusing on developing collaborative financial planning strategies and fostering strong client relationships. Douglas has extensive experience in the financial industry, having served in various roles at Vanguard from 2007 to 2024, including Senior Financial Advisor, Financial Advisor, Client Relationship Consultant, Client Relationship Administrator, and Client Relationship Associate. His professional background encompasses investment consulting and comprehensive financial advising. Outside of his professional work, Douglas has interests in baseball, comedy, family activities, hiking, music, and parenthood.

Peter Munley is a Series 66-licensed financial advisor with LPL Financial, based in King of Prussia, PA. He has five years of industry experience, including roles at CUNA Brokerage Services and American Spirit FCU. Munley also serves as an advisor at American Heritage FCU. LPL Financial is a national broker-dealer and SEC-registered investment adviser that delivers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, combining both advisory services and non-advisory financial products across a large network of advisors.

Stephen Rattigan is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Ranstadt, Bank of America, Ferrandino & Son Inc., and Citizens Bank of Pennsylvania. He is currently employed by The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach featuring proprietary models and primarily invests in Vanguard funds and ETFs.

Sean Harding is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 27 years of industry experience. His career includes prior roles at Avantax Advisory Services, Great Valley Advisor Group, Independent Financial Partners, and management of Harding Capital Management, LLC. Outside of finance, he is the owner of GLK Sports Training 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, model portfolios, and institutional platforms, supported by advanced research tools and a large network of over 22,800 advisors.

Eric Elmer is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 designation and 10 years of industry experience. He has been with Vanguard Advisers since 2019 and has also worked at Pen Mutual Life Insurance Co and Hornor Townsend & Kent Inc. Outside of his advisory role, he serves as an umpire for youth baseball through the Tri County Umpire Group. Vanguard Advisers provides automated and human-supported investment advice for retail investors and retirement plan participants, offering goal-based, algorithm-driven portfolios constructed primarily from Vanguard funds and ETFs. The firm is notable for its large scale, digital delivery model, and a range of customization options including tax-efficient strategies and ESG choices.

Andrew Rosecky is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in managing new wealth, personal retirement planning, and portfolio management services, working closely with clients to develop personalized financial strategies tailored to their individual goals. His approach includes thorough consideration of costs, tax implications, income needs, and risk management. Andrew holds a Bachelor's Degree from Drexel University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise extends to a range of financial services such as commercial loans, corporate financing, trust services, 401(k) plans, residential mortgages, and life/long term care insurance, with banking, credit, and lending offerings provided through Bank of America. In addition to his professional focus, Andrew engages in community volunteering activities in line with the Merrill tradition. He has personal interests in football, music, pickleball, and yoga.

William Loucks is a Wealth Management Advisor at Merrill Lynch Wealth Management. He takes a planning-based, consultative approach to assist individuals and families who may not have the time, energy, or desire to manage their financial affairs. He focuses on personal retirement planning, tax minimization, and retirement income. William holds the CERTIFIED FINANCIAL PLANNER® designation and the Personal Investment Advisor (PIA) designation. He earned both his Bachelor's and Master's degrees from the Pennsylvania State University System. He is a member of the Penn State Alumni Association. Outside of his professional responsibilities, William is involved with the community through his participation with the First Tee - Greater Philadelphia organization. His personal interests include biking, golfing, ice hockey, and spending time with his family.

Christopher Goudey is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2012. Vanguard Advisers provides both 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 to asset allocation and primarily constructs portfolios from Vanguard funds and ETFs, offering customization options including ESG and international exposure.

Joshua Fouraker is a financial advisor with Raymond James & Associates in Devon, PA, holding Series 63 and Series 66 licenses and having one year of industry experience. Prior to joining Raymond James, he worked at NVR Inc., Allan Myers Inc., and Joy Services. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Edmund Oliveros is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2014. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he is involved as a member and officer in several real estate holding companies focused on distressed properties and related investments. 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 utilizing proprietary models and primarily Vanguard funds and ETFs, managing a large client base with over 2,200 advisors.

Neil O’Hare is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior experience includes 16 years at Aberdeen Fund Distributors, LLC. Outside of his advisory role, he serves as the Greens Committee Chairman at Phoenixville Country Club. Vanguard Advisers provides automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to personalize asset allocations, primarily utilizing Vanguard funds and ETFs.

Brett Mayne is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill since 2019 and was previously with Bank of America, N.A. He also has experience with Bank of America Merrill Lynch and spent time working at the University of Tampa. 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. The firm offers a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Carol Lupo is a financial advisor with Wells Fargo Advisors in Collegeville, PA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. Her prior roles include positions at UBS Financial Services and Wells Fargo Clearing. She owns and manages CAL Investment Consultants, LLC, and serves as a trustee for its 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu with tailored recommendations developed using Wells Fargo research and planning tools.

Anthony Nicolai is a CFP® professional with 27 years of experience in the financial services industry. He has worked at OSAIC since 2018 and previously spent 19 years at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company. Nicolai is also involved in insurance brokerage focused on health and group benefits. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering both brokerage and advisory services. The firm utilizes a model-based investment approach emphasizing asset allocation and portfolio optimization, supported by various managed account programs and alternative investment options.

Jack Mattera is a financial advisor with MassMutual Investors Services in Exton, PA, holding Series 63 and Series 66 designations and six years of industry experience. His prior work includes roles at Vanguard Marketing Corporation, Temple University, Delaware County Community College, and Exxon. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, delivering client-specific recommendations through collaborative annual planning engagements.

John Mccutchen is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with The Vanguard Group since 2015. Vanguard Advisers serves retail investors and eligible 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 primarily composed of Vanguard funds and ETFs, offering tax-aware features and a range of customization options.