Timothy Grove is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and has recently started his career in the industry. His prior roles include positions at Wilmington Trust, LPL Financial LLC, Wealth Enhancement Group, and Purshe Kaplan Sterling Investments. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and provides event-driven planning services such as divorce and estate settlement planning.

Erica Baczkowski is a CFP® professional with 12 years of experience currently serving at Vanguard Advisers. She has held roles at FocusT Pointe Global since 2016 and has been affiliated with multiple Vanguard entities since 2014. Outside of her advisory work, she participates in focus groups through Focus Ponte Global. 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 to asset allocation, using proprietary models and primarily Vanguard funds and ETFs to construct portfolios with various customization options.

Tina Cifferello is a Series 66-licensed financial advisor at Merrill with nine years of industry experience. She has been with Merrill since 2016, with brief tenure at Bank of America, N.A. prior to her current role. 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.

Matthew Morrissey is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior roles include positions at PNC Investments and PNC Bank. Morrissey has been with Vanguard Advisers and affiliated Vanguard entities since 2018. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary methodologies and largely Vanguard funds and ETFs to create personalized portfolios.

Thomas Jones is a financial advisor at Vanguard Advisers in Malvern, PA, holding Series 66 and Series 63 designations with four years of industry experience. He has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. for five years and spent ten years at Bryn Mawr Trust Company prior to joining Vanguard Advisers. 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 utilizing proprietary models and constructs portfolios mainly from Vanguard funds and ETFs with tax-aware and customization features.

William Willson III is a financial advisor with Vanguard Advisers, holding a Series 66 designation and currently located in Malvern, PA. He has one year of industry experience, beginning his advisory career at Vanguard Advisers and affiliated Vanguard entities in 2026. Prior to entering the financial advisory field, his professional background includes roles in hospitality and corporate services. 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 using proprietary models and constructs portfolios mainly from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Benjamin Spalter is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC prior to his current role. He serves as a trustee of a family trust, dedicating time to this responsibility alongside his advisory work. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, and uses proprietary research and tools to develop tailored recommendations.

Megan Wager is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has held various roles within The Vanguard Group, Inc. and its affiliates since 2013, including positions at Vanguard Marketing Corporation and OBVI Boutique. 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 and manages portfolios primarily composed of Vanguard funds and ETFs, offering features such as tax-aware strategies and customization options.

Ryan Schwab is a CFP® and Series 66-licensed financial advisor with four years of industry experience. He is currently with Charles Schwab and Charles Schwab Bank, SSB, where he has worked since 2022. His prior experience includes roles at Equitable Advisors, Specialty Medical Products, Schwan's Global Supply, Ursinus College, and Pope John Paul II School. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and provides integrated brokerage, custody, and cash-sweep services.

Sean Ryan is a financial advisor at Cetera with 18 years of industry experience. He holds a Series 66 designation and has worked at multiple firms, including Magis Financial Partners and Vf Associates, Inc. He is also involved as a vice president and financial consultant in a DBA under Magis Financial Partners. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform providing discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Stephen McGinn is a CFP® and ChFC® with 36 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2008. He is also an independent insurance agent and a member of the Chester County Chamber of Commerce. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements.

Alex Daniel is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop financial strategies using the extensive resources and services of the firm. He is committed to understanding clients' financial goals through a structured process. Alex has a broad range of experience in the financial industry, having held roles such as Investment Consultant at Fidelity Investments, Investment Advisor Representative at Charles Schwab, and Financial Advisor at Merrill Lynch Wealth Management. His career also includes positions as a Financial Consultant II at Citizens Securities and Producing Agent at MassMutual, among others. He holds a California Insurance License. Outside of his professional work, Alex has personal interests that include cars, social events with friends, movies, museums, tennis, and traveling.

Jeffrey Gladstein is an International Wealth Advisor at Merrill Lynch Wealth Management. In this role, he focuses on providing personalized wealth management strategies tailored to clients' individual financial situations and goals. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to help clients navigate changing market conditions. Jeffrey holds the Professional Investment Advisor (PIA) designation and has earned a Bachelor's Degree from Kiev College and School of Architecture and Civil Engineering, as well as a Master of Business Administration (MBA) from the University of Pennsylvania Wharton School. Committed to community involvement, he participates in local organizations through volunteer work, reflecting the Merrill tradition of service in the communities where he works.

Nehanda Spencer is a Series 66-licensed financial advisor with Merrill in West Chester, PA, having one year of industry experience. Her prior roles include positions at Bank of America, N.A., BNY Mellon, Vanguard, and TD Bank. 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.

Thomas Missett Jr. is a CFA® charterholder with 26 years of industry experience, currently serving as a financial professional at Cambridge Investment Research Advisors since 2013. He also acts as president of Strategem Wealth Management, a DBA under which he provides financial services. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides various investment solutions across multiple platforms, combining proprietary and third-party strategies tailored to client objectives.

Christopher Grandieri is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he is a partner in C2J Investments, LLC, a company involved in the hospital and healthcare sector. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and analysis methods.

Douglas McAllister is an Investment Consultant currently working at Fidelity Investments since 2024. He has built his career in financial services largely within Chester County, focusing on developing collaborative financial planning strategies and fostering strong client relationships. Douglas has extensive experience in the financial industry, having served in various roles at Vanguard from 2007 to 2024, including Senior Financial Advisor, Financial Advisor, Client Relationship Consultant, Client Relationship Administrator, and Client Relationship Associate. His professional background encompasses investment consulting and comprehensive financial advising. Outside of his professional work, Douglas has interests in baseball, comedy, family activities, hiking, music, and parenthood.

Peter Munley is a financial advisor with LPL Financial holding a Series 66 credential and five years of industry experience. His prior roles include positions at CUNA Brokerage Services, American Heritage FCU, and American Spirit FCU. Munley is also involved in investment-related activities at American Heritage FCU. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management along with various model portfolios and research resources.

Stephen Rattigan is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and six years of industry experience. He has worked at The Vanguard Group since 2017, with prior roles at Ranstadt, Bank of America, Ferrandino & Son Inc., and Citizens Bank of Pennsylvania. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach, managing portfolios primarily with Vanguard funds and ETFs, and supports a large client base through digital delivery combined with advisor teams.

Sean Harding is a financial advisor with LPL Financial, holding a Series 63 designation and over 27 years of industry experience. His work history includes multiple roles at LPL Financial and Avantax, as well as operating his own Harding Capital Management for 16 years. Outside of financial services, he is the owner of GLK Sports Training LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by extensive research and technology tools.