Alevtina Schlanger is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and four years of industry experience. She has worked primarily at The Vanguard Group since 2022, with prior roles including work at Randstad US and involvement in a non-profit environmental organization. Vanguard Advisers offers 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 largely composed of Vanguard funds and ETFs. The firm serves a large client base through digital delivery and a team servicing model.

Carl Ozeck is a CFP®-designated financial advisor with Vanguard Advisers, based in Malvern, PA. He has 12 years of industry experience and has been with The Vanguard Group since 2013, including a brief period as self-employed. He is a limited agent for a spouse's investment activities. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs. The firm manages a large client base through its digital platform and team servicing model.

Lynda Blessing is a financial advisor at Cambridge Investment Research Advisors with 28 years of industry experience. She holds the ChFC® and Series 63 designations and has worked previously at American Express Financial Advisors Inc. She serves as an elder at Mechanicsburg Presbyterian Church and is a certified Divorce Financial Analyst. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services delivered through a network of independent financial professionals using a variety of portfolio management strategies and platform arrangements.

Thomas Gale is a financial advisor with Cetera, holding a Series 63 designation and bringing 37 years of industry experience. He has worked at Cetera and its affiliates since 2015 and also operates his own business providing insurance solutions. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and consulting services, employing a multi-manager platform with discretionary and non-discretionary program options.

Zachary Donahue is a CFP® with 10 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group since 2014. 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 investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various customization options.

John Kramer is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to both individuals and institutional clients. The firm emphasizes tailored financial planning using structured discovery and approved tools, managing approximately $2.74 trillion in client assets.

Jeffrey Marsico is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 designation. He has worked with Wexco Financial Group since 2008 and has been affiliated with Cetera since 2023. Outside of his advisory work, he is a senior partner and equity owner of Diamond State Financial Group and has ownership interests in several family business and real estate ventures. Cetera Investment Advisers LLC is an SEC-registered firm that provides services to individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

James Unger is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. He holds the Series 66 designation and has been with Mass Mutual Investors Services and MASSMUTUAL Life Insurance Company since 2017. Prior to his advisory career, he attended Pennsylvania State University from 2014 to 2018. Mass Mutual 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, using collaborative, goal-focused approaches and firm-approved software tools.

Carolyn Cross is a CFA® charterholder with 11 years of industry experience. She has worked at Vanguard Advisers since 2020 and has been with The Vanguard Group and Vanguard Marketing Corporation since 2012. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. Its investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Zachary Azar is a financial advisor at Vanguard Advisers with one year of industry experience. He holds the Series 66 designation and has worked previously at LPL Financial and Financial Strategies & Designs, Inc. Outside of his advisory roles, he has held various positions at DeSales University and other organizations. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs.

Ryan Gray is a financial advisor with Cambridge Investment Research Advisors in West Chester, PA, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior work includes roles at Oppenheimer, Commonwealth Financial Network, and Triad Advisors. He is currently engaged as an advisory representative of an RIA through CIRA. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a range of portfolio management approaches and proprietary model strategies.

Daniel Mccarthy is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity entities since 2011. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe. The firm manages discretionary and non-discretionary portfolios, serves registered investment companies, and uses systematic methodologies alongside AI and algorithmic tools in its investment process.

Elliott Miller is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Cambridge Investment Research since 2014. Outside of his advisory role, Miller serves on the board of the Adath Israel Congregation in Merion Station, PA. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad mix of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals using various portfolio management and advisory solutions tailored to client objectives.

Vartan Karakelian serves as a Sales Manager and Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 25 years of experience working closely with affluent clients in areas including divorce transition planning, equity compensation services, family wealth management strategies, services for endowments and non-profits, managing new wealth, portfolio management, tax minimization, and retirement income planning. Mr. Karakelian earned a Mechanical Engineering degree from Drexel University through its co-op program and holds a Master's degree from the University of Pennsylvania. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Since 2001, he has focused on helping clients make informed financial decisions by understanding their motivations and delivering tailored written strategies to maximize the likelihood of achieving their financial goals. In addition to his professional work, Vartan Karakelian is involved in his local community through St Gregory's Armenian Church. He and his family also support disadvantaged children abroad. His personal interests include cooking, football, hiking, photography, and traveling.

Sara Smyth is a CFP® with 16 years of experience in the financial services industry. She has worked at The Vanguard Group, Inc. since 2010 and served on the board of her local homeowners association as treasurer since 2018. Smyth holds a degree from Haverford College. 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 approach and uses proprietary models to create personalized asset allocations, offering a range of customization options along with portfolios built largely from Vanguard funds and ETFs.

Zachary Cooper is a financial advisor at Cambridge Investment Research Advisors with two years of industry experience. He holds the Series 65 and Series 63 licenses and has previously worked at Citadel Federal Credit Union and TD Bank. He is also employed as an investment representative for Plan and Prosper Financial Partners, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management solutions and both proprietary and third-party investment strategies.

Peter Rohr is a financial advisor at Merrill with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1987, including a 15-year tenure with Bank of America, N.A. Outside of his advisory role, he serves as a trustee for The Haverford School and is a board member of the CFP Board of Directors. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Kane is a financial advisor with Raymond James & Associates in Devon, PA, holding a Series 63 designation and 29 years of industry experience. Her prior firms include Merrill, Morgan Stanley, Wells Fargo Clearing, and Janney Montgomery Scott. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, charitable organizations, and governmental entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Richard Sterling III is a Series 66-licensed financial advisor with five years of industry experience. He is currently with Mass Mutual Investors Services and has previously worked at firms including Lincoln Financial Advisors and Pacer Advisors. 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, using a collaborative, goal-based approach with firm-approved analytical tools.

Kyle Demarino is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and four years of industry experience. He has been with The Vanguard Group since 2022. 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, using proprietary methodologies to construct personalized portfolios primarily composed of Vanguard funds and ETFs.