Rijo Reji is a financial advisor with LPL Financial based in King of Prussia, PA. He holds a Series 66 designation and has two years of industry experience. Prior to joining LPL Financial in 2023, he worked at American Heritage Credit Union and CVS Pharmacy. 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, third-party asset management, and institutional platforms.

Kevin Hatten is a financial advisor with Vanguard Advisers, holding a Series 66 designation and three years of industry experience. He has been with The Vanguard Group since 2022 and has prior experience that includes roles outside finance, such as working with Siemens Healthineers and involvement in the hospitality sector. Additionally, he is an author of books about artificial intelligence. 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 and manages portfolios mainly composed of Vanguard funds and ETFs, serving a large client base through a combination of digital platforms and advisory teams.

Jeff Gerhards is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with The Vanguard Group, Inc. since 2008. Outside of his advisory role, he serves as an authorized agent on multiple family members’ accounts. Vanguard Advisers provides both 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 set personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Sunil Handa is a CFP®-designated financial advisor with Vanguard Advisers, based in Malvern, PA, bringing 15 years of industry experience. His prior roles include positions at H&R Block, Equitable Advisors, and PFS Investments. Outside of financial advising, he is involved in supply chain consulting with Sigma Corporation and works as a tax preparer. Vanguard Advisers offers automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a high client-per-advisor ratio due to its scalable digital platform.

Ryan Moran is a Financial Advisor with Merrill Lynch Wealth Management and a team member of The Moran Toth Group. He provides clients with personalized service, leveraging the extensive resources of Merrill Lynch and expertise from his team. Ryan specializes in areas including education planning, family wealth management strategies, retirement income, philanthropic planning, and tax minimization. He holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his Bachelor's Degree from DePaul University. In his personal time, Ryan enjoys photography, traveling, practicing yoga, and spending time with his family.

John Abella is a financial advisor at Vanguard Advisers with 10 years of industry experience. He has worked at The Vanguard Group, Inc. since 2016 and holds Series 63 and Series 65 designations. Vanguard Advisers offers 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 uses a goal-based, algorithm-driven investment approach to create personalized portfolios mainly composed of Vanguard funds and ETFs.

George Kyriazis is a CFP®-credentialed financial advisor at Vanguard Advisers with five years of industry experience. He has worked with Vanguard in various capacities since 2021 and owns an e-commerce business selling toilet paper. 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 using proprietary models to create personalized asset allocations, relying largely on Vanguard funds and ETFs.

Ryan Stoner is a financial advisor with Charles Schwab & Co., Inc. He holds Series 63 and Series 66 licenses and has 14 years of industry experience, including prior work at The Vanguard Group. Outside of his advisory role, he has worked as a caddie at Applebrook Golf Club. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers both non-discretionary and discretionary investment management using multi-asset model portfolios and provides integrated brokerage, custody, and advisory services.

Daniele Madanat is a financial advisor at Vanguard Advisers with 15 years of industry experience. She holds the ChFC® and Series 63 designations. Prior to joining Vanguard in 2026, she worked at JP Morgan Chase & Co. for 17 years and taught at Eastern University from 2022 to 2023. 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 portfolio management, emphasizing personalized asset allocations primarily constructed from Vanguard funds and ETFs.

Thomas Morris is a CFP® professional with 11 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2014. Vanguard Advisers provides both 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, managing portfolios primarily with Vanguard funds and ETFs, and serves a large client base through its digital platform and extensive advisor team.

Jennifer Maxwell is a financial advisor with Merrill in Wayne, Pennsylvania, holding a Series 66 designation and 21 years of industry experience. She has been with Merrill since 2004 and concurrently associated with Bank of America since 2017. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Yagel is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 designations and possessing five years of industry experience. His work history includes roles at Vanguard Advisers, Vanguard Marketing Corporation, The Vanguard Group, Vantage Point Financial Group, and Key Investment Services. 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 operates on a large scale, managing hundreds of thousands of client relationships through a combination of digital delivery and advisor support.

Hajir Moghaddam is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63, 65, and 66 credentials and with 13 years of industry experience. Prior to joining Vanguard, Hajir was self-employed and has owned and operated Artificial Intelligence Research and Development, LLC, where they focus on AI research and content creation. Vanguard Advisers provides 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 with proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering customization options and tax-aware strategies.

Robert O'Connor Jr. is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at The Vanguard Group, Inc. since 2017. Prior to that, he was employed in mail services and held other roles at Bloomsburg University. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios primarily composed of Vanguard funds and ETFs, offering customization features including ESG options and tax-aware strategies.

Elama Ali is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to her current role, she worked at Aunt Molly's Discount Beverage and Aston Gardens. 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, and institutions.

David Dzendzel is a financial advisor at Ameriprise with 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he engages in buying and selling sports trading cards, a hobby he has developed into a more active side business since 2020. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement who meet specific asset thresholds. The firm provides comprehensive advisory, brokerage, and insurance solutions through a centralized retirement-income consulting team that combines research, modeling, and tax-efficiency analysis to deliver tailored recommendations.

John Clark is a financial advisor with Wells Fargo Advisors in Exton, PA, holding Series 63 and Series 65 licenses and 31 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Clark is also a member of the investment committee at Mercy Investment Services and owns Clark & Goshow Financial Strategies Group LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients through a broad range of planning options tailored to clients meeting certain net-worth criteria.

Michael Giangiordano is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and having eight years of industry experience. He has been with Vanguard Advisers since 2020 and is also associated with Vanguard Marketing Corporation and The Vanguard Group since 2017. Prior to joining Vanguard, his background includes roles at Randstad, Aleris, and Carestream Health. 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, offering portfolios constructed mainly from Vanguard funds and ETFs, with various customization and tax-aware features.

Andrew Kaplan is a financial advisor at Raymond James & Associates with 20 years of industry experience. He holds a Series 66 designation and has been with Raymond James in various capacities since 2016. Outside of his advisory role, Kaplan serves as a trustee and successor trustee for a family-related trust. 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, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Conor Ryan is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has a background spanning multiple roles within The Vanguard Group and its affiliates since 2012, including positions at Vanguard Marketing Corporation and prior engagement with the University of Pennsylvania. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and eligible retirement plan participants, employing a goal-based, algorithm-driven investment approach centered on proprietary methodologies and portfolios primarily composed of Vanguard funds and ETFs.