Carl Ozeck is a CFP® credentialed financial advisor with Vanguard Advisers, where he has worked since 2016. He has 13 years of industry experience and is also associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. He serves as a limited agent for his spouse’s investment activities. Vanguard Advisers provides 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 using proprietary models to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Lynda Blessing is a financial advisor with Cambridge Investment Research Advisors, holding the ChFC® designation and a Series 63 license. She has 28 years of industry experience, including previous roles at American Express Financial Advisors Inc. and Ids Life Insurance Company. In addition to her advisory work, she serves as an elder at Mechanicsburg Presbyterian Church and is active as a precinct Democratic committee person in Kennett Square, PA. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers access to multiple platforms, proprietary models, and third-party sub-advisors.

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.

Scott Kalbfleisch is a financial advisor with Vanguard Advisers, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Coventry Securities, LLC and The Leaders Group, Inc. He is based in Malvern, PA. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates proprietary models and tax-aware portfolio features. The firm manages a large volume of client relationships through a combination of digital platforms and advisor support.

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 at Cambridge Investment Research Advisors with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked with firms including Oppenheimer, Merrill, and Commonwealth Financial Network. Gray is based in West Chester, PA. Cambridge Investment Research Advisors, Inc. serves a diverse range of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, third-party advisers, 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 licenses and has worked with various Fidelity entities since 2011, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm employs a systematic investment process that combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves a broad client base through discretionary and non-discretionary advisory services.

Elliott Miller is a financial advisor at Cambridge Investment Research Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Fulcrum Advisory Services, New York Life Investment Management, and PGIM Investments. Outside of his advisory role, Miller serves on the board of the Adath Israel Congregation and has contributed letters to publications such as The New York Times and The Washington Post. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides both discretionary and non-discretionary management across multiple platforms and custodians.

Vartan Karakelian is a Sales Manager and Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving affluent clients since 2001, providing guidance in areas such as divorce transition planning, equity compensation services, family wealth management strategies, managing new wealth, portfolio management services, tax minimization, and retirement income. He focuses on crafting written financial strategies tailored to each family's goals to help clients make informed decisions and achieve important outcomes. Mr. Karakelian holds a Bachelor's degree from Drexel University and a Master's degree from the University of Pennsylvania. He has earned several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional work, Mr. Karakelian is involved in his community as a deacon at St Gregory's Armenian Church and has served as a former Exchange Club President. He also participates in the Salvation Army and supports orphans and disadvantaged children abroad. His personal life centers on his family, including his wife of 35 years and their two children.

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 Series 65 and Series 63 licenses and two years of industry experience. His prior roles include positions at Citadel Federal Credit Union and TD Bank. He is also involved as an investment representative with Plan and Prosper Financial Partners, LLC. Cambridge Investment Research Advisors serves a diverse client base of individual and institutional investors, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides access to various platforms, third-party advisers, and proprietary model 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.

Kyle Demarino is a financial advisor at Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 designations with four years of industry experience. He has been with Vanguard since 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. Their investment approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Joseph Devlin is a financial advisor with Merrill based in Wayne, PA. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. Devlin has been with Merrill Lynch and Bank of America since 2011. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.