Sandra Kaspar is a financial advisor with Merrill in Wayne, PA, holding Series 63 and Series 65 licenses and 27 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith since 1997. 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 and profit-sharing plans, corporations, and charitable organizations.

John Wolfersberger is a CFA® charterholder with 20 years of industry experience. He is currently with Vanguard Advisers and has been affiliated with Vanguard entities since 2004, including Vanguard Marketing Corporation and The Vanguard Group, Inc. He holds a Series 63 license. Vanguard Advisers provides both 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 using proprietary methodologies and offers portfolios constructed mainly from Vanguard funds and ETFs.

Thiago Gaspar Sales is a Series 66 registered advisor with LPL Enterprise, based in Collegeville, PA, and has four years of industry experience. His background includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and JP Morgan Chase. Outside of financial services, he was involved with Warrington Pizza Restaurant Inc. for several years. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm primarily employs model-driven investment implementation and offers access to third-party asset managers and insurance products through affiliated entities.

Marcus Carter is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2021. He has been associated with The Vanguard Group and its related entities since 1997. Vanguard Advisers provides 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 employs a goal-based, algorithm-driven investment approach and manages a high volume of client relationships through its scalable digital platform.

Robert Wert is a financial advisor with Wells Fargo Advisors in Collegeville, PA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He previously worked for Wells Fargo Clearing from 2016 to 2025. Outside of advising, he serves on the Finance Council of the Diocese of Allentown and acts as a trustee for a family trust. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Joseph Connelly is a financial advisor with Wells Fargo Clearing in Newtown Square, PA, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously spent one year at Pacer Financial, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Chris Lascarides is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 18 years of industry experience. His prior work includes roles at LPL Financial, M&T Securities, Cetera Advisor Networks LLC, and Vicus Capital, Inc. He maintains an insurance license. 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 set personalized asset allocations, investing largely in Vanguard funds and ETFs with tax-aware features and customization options.

Russell Talone is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Osaic. He previously spent 20 years at Woodbury Financial. Talone is a member of the Finance Committee on the board of Holy Cross Regional Catholic School. Osaic Wealth serves a broad mix of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supporting a variety of managed strategies and third-party manager selections.

Michael Daly is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2017. He has also held roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2013. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios largely composed of Vanguard funds and ETFs.

Tyler Mccraw is a CFP® professional with 19 years of experience in the financial services industry. He is currently with LPL Financial and previously worked at Lincoln Financial Advisors and BlackRock Investment Management. He is also an author of financial education materials. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a wide range of advisory and brokerage services through a large network of investment adviser representatives.

Zanelle Sutton is a financial advisor at Vanguard Advisers with 15 years of industry experience. She holds Series 66 and Series 63 credentials. Her work history includes roles at Vanguard and Amazon, as well as self-employment periods. 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, largely constructing portfolios from Vanguard funds and ETFs, and serves a large client base through a combination of digital platforms and advisor teams.

Florence Torson Hart is a Wealth Management Advisor at Merrill Lynch Wealth Management. She serves a diverse clientele including physicians, attorneys, executives, independent women, business owners, non-profits, and families with special needs children. Florence focuses on delivering a wealth management experience that aligns financial goals with clients' values and personal circumstances, utilizing Merrill Lynch's research and Bank of America's resources to construct tailored financial strategies. She coordinates with clients' other advisors to address tax minimization, estate planning, retirement income, philanthropy, and lending needs. Prior to joining Merrill Lynch Wealth Management in 2010, Florence was the CEO and founder of a multi-media company in Ghana and has experience in advertising, public relations, marketing, publishing, and content programming. She holds a Master's degree from Drexel University and a Bachelor's degree from the University of Science and Technology. Florence holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Florence is actively involved in her community, holding the position of President of the US-Ghana Chamber of Commerce. She also serves as Curator of the Global Women's Professional & Business Exchange Conference and supports organizations focused on female empowerment, financial literacy, and global business. She resides in Philadelphia with her family and has interests that include cooking, dancing, sewing, soccer, table tennis, traveling, and yoga.

Nikesh Amin is a Financial Advisor at Merrill Lynch Wealth Management. He brings a diverse professional background, including experience in medical education, startup co-founding focused on accessibility technology, and administrative roles in healthcare. He transitioned into business and finance after completing medical rotations and pursuing an MBA at Georgetown University. Prior to joining Merrill, Nikesh worked as a project management consultant on a Veterans Affairs project aimed at enhancing access and quality of healthcare for veterans. During this role, he led the quality management team and managed a $1.5 billion annual budget. His areas of client focus include college education planning, family wealth management strategies, managing new wealth, small business strategies, tax minimization, and retirement income. Nikesh holds a Bachelor's degree from Rochester Institute of Technology, a Medical Doctorate from Ross University, and an MBA from Georgetown University. He has earned professional designations including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Nikesh is proficient in English and Spanish. Outside of his professional work, he engages in interests such as football, golfing, hiking, rock climbing, singing, and soccer.

Nicole Fean is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2024. Prior to this position, she served as a Branch Leader at Fidelity from 2022 to 2024. Nicole's professional experience includes various leadership and consulting roles in the financial services industry, beginning as an Intern at Scottrade, Inc. in 2010 and progressing through positions such as Investment Consultant and Branch Manager at Scottrade, Inc., as well as Branch Manager and Senior Financial Consultant at TD Ameritrade. Throughout her career, Nicole has focused on coaching her team to deliver excellent client experiences through holistic financial planning aimed at helping clients achieve their financial goals. Her background reflects a commitment to leadership and client service within the investment and financial consulting sectors. Outside of her professional life, Nicole enjoys family activities, fitness, horseback riding, outdoor adventures, skiing, and traveling.

Matthew Barbacane is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Vanguard Advisers since 2019. He also works with Vanguard Marketing Corporation and The Vanguard Group, Inc., where he has held roles since 2015. 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 with portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through a combination of digital platforms and advisor teams.

Lori Piazza Timchack is a financial advisor with Wells Fargo Advisors in Collegeville, PA, holding a Series 66 designation and 12 years of industry experience. She previously worked at Merrill Lynch Pierce Fenner & Smith Incorporated for 17 years and held positions at several firms including Raymond James Financial and Jacobi Capital Management. In addition to her advisory role, she is a notary public for the state of Pennsylvania and owns a law-related business in Wilkes-Barre, PA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of investment and fee-based financial planning services, leveraging proprietary research and planning tools to deliver tailored recommendations across various planning needs.

Dillon De Antonio is a CFP® professional with seven years of experience in financial advising. He has worked at Edward Jones since 2019 and previously spent three years at Sei. Edward Jones is a wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and operates a large network of advisors and branch offices across the country.

Jack O Neill is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, Merrill Lynch, and various positions in education and small business. 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 both model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gary Daniels is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 and 65 licenses. He has 49 years of industry experience and has previously worked with MetLife Securities Inc. and MassMutual Life Insurance Company. Daniels serves as treasurer on the board of a 501(c)(6) organization, where he oversees financial management. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-oriented planning supported by firm-approved analytical tools, with implementation options that require separate arrangements.

Robert Hartfield Jr. is a financial advisor at Osaic with 43 years of industry experience. He holds a Series 63 designation and has worked at Lincoln Financial Advisors Corporation and Hartfield Advisors, where he has also maintained a role as an insurance agent offering various insurance products. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients, providing both brokerage and advisory services through a multi-advisor platform that utilizes model-based asset allocation and portfolio optimization.