Thomas Graham is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, NA and Merrill since 2016. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nico Echevarria is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. In this role, he assists clients in working towards their lifetime financial goals through benefits review, equity compensation, wealth planning, and guidance. He has been with Fidelity Investments since 2020, serving in various capacities including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Nico worked as an Investment Advisor Representative at Brandywine Financial Group from 2018 to 2020, and as a Hardship Determination Administrator at Vanguard from 2015 to 2018. He holds a California insurance license. Outside of his professional career, Nico enjoys family activities, football, movies, music, and parenthood.

James Adamus is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and 10 years of industry experience. He has been with The Vanguard Group, Inc. since 2015. 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 investment approach employing proprietary models and primarily Vanguard funds and ETFs, managing a large client base through a digital platform complemented by a team servicing model.

Daniel Tauriello is a CFP® with five years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Malvern, PA. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as prior experience with LPL Financial and Private Advisor Group. Vanguard Advisers offers both automated and human-supported investment advice through digital and personal advisor services, focusing on retail investors and employer-sponsored retirement plan participants. The firm’s investment approach is goal-based and algorithm-driven, utilizing proprietary models and largely Vanguard funds and ETFs to deliver scalable, customized portfolio solutions.

Omair Kawoosa is a financial advisor at UBS Financial Services in Radnor, PA, with six years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Equitable Advisors and The Student Connection. UBS Financial Services serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor strategies according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities, principal trading, and underwriting.

Martin Dempsey Jr. is a financial advisor with LPL Financial in Paoli, PA, holding the ChFC® designation and Series 63 and 65 licenses. He has 35 years of industry experience, including 29 years with LPL Financial. Outside of his advisory role, he is involved with Dempsey & Associates, where he is engaged in non-variable insurance sales. 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 financial planning and investment management solutions through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Christine Stefanou is a financial advisor with Ameriprise in Malvern, PA, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she is involved in a family-owned software company and has an ownership interest in a rental property business through an LLC. Ameriprise serves primarily high-net-worth individuals approaching or in retirement, offering retirement-income planning services that include written recommendation reports and a combination of research, modeling, and tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions typical for a large institutional financial services company.

Jesse Billela is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and four years of industry experience. He has worked within various roles at Vanguard-related entities since 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through a digital platform supported by a team of advisors.

Richard Baker is a financial advisor at Vanguard Advisers with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. He has been with Vanguard Group since 2019. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach and constructs portfolios mainly from Vanguard funds and ETFs, offering customization options and tax-aware features.

Robert Musselman is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at VOYA Financial Advisors and operated his own firm, R Bruce Musselman. He is also president of Musselman Financial Solutions, LLC, a firm involved in the sale of fixed insurance, securities, and investment products. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, as well as institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment managers.

Nathaniel Coleman is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2014 and 2015 respectively. Outside of his advisory role, he participates in the Financial Literacy Center of Lehigh Valley, where he educates students on the benefits of using banking services and the basics of the financial system. Merrill 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, and institutional investors.

James Nastasi is a Series 66-licensed financial advisor with 25 years of industry experience. He has worked at UBS Financial Services since 2015 and held prior roles at Morgan Stanley, PNC Wealth Management, and J.J.B. Hilliard, W.L. Lyons, LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs model-based asset allocations and proprietary research to tailor investment plans to clients’ goals and risk tolerances.

Michael Marotta is a Series 66-licensed financial advisor with Merrill in Wayne, Pennsylvania, and has 14 years of industry experience. He has worked at Bank of America and Merrill since 2017 and was previously with UBS Financial Services from 2013 to 2017. He also serves as co-trustee for a family trust. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Steven Yarborough is a CFP® professional with 25 years of experience in the financial industry, currently serving at Vanguard Advisers since 2013. He also holds Series 63 and Series 65 licenses and has been involved with Vanguard Marketing Corporation and The Vanguard Group since 2011. Outside of his advisory role, Yarborough serves as a hockey referee for USA Hockey. Vanguard Advisers provides automated and human-supported investment advice through Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary methodologies and focuses on scalable digital delivery supported by a large advisory team.

Richard Grobman is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He previously worked at Fahnestock & Co., Inc. for 25 years before joining Raymond James in 2017. Grobman serves as chair of the investment committee for Har Zion Temple and is a board member on the investment committee for Jewish Family and Children's Services. He is also involved as a co-trustee for multiple family trusts and holds officer roles in family-related entities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and charitable organizations, offering financial planning and consulting with a non-discretionary approach, supported by a range of portfolio management styles and affiliated research.

Jina Leonardi is a financial advisor at Vanguard Advisers with three years of industry experience. She holds a Series 66 designation and has worked at multiple Vanguard affiliates since 2022. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, emphasizing scale and digital delivery through its extensive advisory team.

Chad Kilhefner is a CFP® with 24 years of industry experience, currently serving at Vanguard Advisers. He has been with The Vanguard Group since 2002. Outside of his advisory role, he is a volunteer board member for the Personal Financial Planning Advisory Board at Kutztown University and works as a fitness and self-defense blog host. Vanguard Advisers offers 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 methodologies to personalize asset allocations, primarily utilizing Vanguard funds and ETFs.

Liam Di Fonzo is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors LLC and Renault Winery. Di Fonzo is also involved with Bala Financial Group Inc. as a registered representative and insurance agent, engaging in sales and marketing of securities, insurance, and annuity products. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a variety of customizable investment programs.

Athena Mccarthy is a CFP® with 19 years of experience in the financial industry, currently serving as an advisor at Vanguard Advisers since 2007. She holds a Series 63 license and is based in Malvern, PA. 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 that incorporates proprietary models and largely uses Vanguard funds and ETFs. The firm manages a large-scale digital platform with over 2,400 advisors and serves a diverse client base focused on retirement and savings goals.

Kristin Witmer is a CFP®, ChFC®, and Series 63-licensed financial advisor with 23 years of industry experience. She has been with The Vanguard Group since 2011 and is based in Malvern, PA. Vanguard Advisers offers 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 construct portfolios mainly from Vanguard funds and ETFs, featuring customization options such as tax-aware strategies and ESG exposure.