Eric Elmer is a financial advisor with Vanguard Advisers in Malvern, PA, holding a Series 66 designation and 10 years of industry experience. He has been with Vanguard Advisers since 2019 and has also worked at Pen Mutual Life Insurance Co and Hornor Townsend & Kent Inc. Outside of his advisory role, he serves as an umpire for youth baseball through the Tri County Umpire Group. Vanguard Advisers provides automated and human-supported investment advice for retail investors and retirement plan participants, offering goal-based, algorithm-driven portfolios constructed primarily from Vanguard funds and ETFs. The firm is notable for its large scale, digital delivery model, and a range of customization options including tax-efficient strategies and ESG choices.

Andrew Rosecky is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in managing new wealth, personal retirement planning, and portfolio management services, working closely with clients to develop personalized financial strategies tailored to their individual goals. His approach includes thorough consideration of costs, tax implications, income needs, and risk management. Andrew holds a Bachelor's Degree from Drexel University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise extends to a range of financial services such as commercial loans, corporate financing, trust services, 401(k) plans, residential mortgages, and life/long term care insurance, with banking, credit, and lending offerings provided through Bank of America. In addition to his professional focus, Andrew engages in community volunteering activities in line with the Merrill tradition. He has personal interests in football, music, pickleball, and yoga.

William Loucks is a Wealth Management Advisor at Merrill Lynch Wealth Management. He takes a planning-based, consultative approach to assist individuals and families who may not have the time, energy, or desire to manage their financial affairs. He focuses on personal retirement planning, tax minimization, and retirement income. William holds the CERTIFIED FINANCIAL PLANNER® designation and the Personal Investment Advisor (PIA) designation. He earned both his Bachelor's and Master's degrees from the Pennsylvania State University System. He is a member of the Penn State Alumni Association. Outside of his professional responsibilities, William is involved with the community through his participation with the First Tee - Greater Philadelphia organization. His personal interests include biking, golfing, ice hockey, and spending time with his family.

Christopher Goudey is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2012. 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 asset allocation and primarily constructs portfolios from Vanguard funds and ETFs, offering customization options including ESG and international exposure.

Jordan Landers is a CFP® with four years of industry experience currently serving at Vanguard Advisers. His background includes roles at The Vanguard Group and Avenue 365 Lender Services, as well as experience as a self-employed delivery driver contracted with DoorDash. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes Vanguard funds and ETFs. The firm manages a large client base through its digital platform combined with advisory teams.

Joshua Fouraker is a financial advisor at Raymond James & Associates with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Raymond James, he worked at NVR Inc., Allan Myers Inc., and Joy Services. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, pension plans, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Edmund Oliveros is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2014. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he is involved as a member and officer in several real estate holding companies focused on distressed properties and related investments. 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 utilizing proprietary models and primarily Vanguard funds and ETFs, managing a large client base with over 2,200 advisors.

Neil O'Hare is a financial advisor at Vanguard Advisers with 23 years of industry experience. He held a position at Aberdeen Fund Distributors, LLC for 16 years before joining The Vanguard Group in 2025. Outside of his advisory role, he serves as the Greens Committee Chairman at Phoenixville Country Club. 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 to portfolio construction, utilizing Vanguard funds and ETFs along with tax-aware features and customization options.

Brett Mayne is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill since 2019 and was previously with Bank of America, N.A. He also has experience with Bank of America Merrill Lynch and spent time working at the University of Tampa. 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 a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anthony Nicolai is a CFP® with 27 years of industry experience, currently serving as an advisor at Osaic since 2018. He previously worked for nearly two decades at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company. In addition to his advisory role, Nicolai is involved as an insurance broker specializing in health and group benefits. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of advisers, employing asset-allocation tools and multiple platforms to provide comprehensive portfolio management solutions.

Sean Enama is a Planning Consultant at Fidelity Investments, where he collaborates with Financial Consultants, clients, and their families to develop personalized financial plans tailored to individual goals. He focuses on building and maintaining relationships that foster trust. Sean's experience in the financial industry includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as an internship at Alden Investments. These positions have contributed to his expertise in financial planning and client relationship management. Outside of his professional work, Sean has personal interests in baseball and snowboarding.

Jack Mattera is a financial advisor with Mass Mutual Investors Services in Exton, PA, holding Series 66 and Series 63 licenses and six years of industry experience. His work history includes roles at MassMutual Life Insurance Co., MML Investors Services, Vanguard Marketing Corporation, and prior experience at Temple University and Exxon. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management and educational programs, structuring planning engagements as ongoing, collaborative relationships using firm-approved analytical tools.

Mary Sun is a financial advisor with Primerica Advisors in King of Prussia, PA, holding Series 63 and Series 66 licenses and three years of industry experience. Her prior roles include positions at iQ Capital (USA), LLC and CV Brokerage Inc. Outside the advisory field, she has been involved with MS Capital Tech LLC since 2007. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven strategies supported by third-party asset managers and provides custody and trade execution through Pershing.

Michael D'allaird serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 25 years of experience in the financial industry, beginning his career at Morgan Stanley in 1998, moving to Smith Barney, and joining Merrill in 2008. Michael manages personalized and defined investment strategies on a discretionary basis, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Michael's expertise encompasses corporate executive services, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. He works closely with clients and their families to understand multiple perspectives and align financial strategies with their goals and core values. His approach emphasizes education, risk mitigation, and fostering lasting client relationships. He holds a Bachelor of Science degree in Business Administration from the University of Nevada, Las Vegas and the designation of Personal Investment Advisor (PIA). Outside of work, Michael enjoys golfing, tennis, and traveling.

Patricia Mcnamara is a CFP® professional with 42 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in modern portfolio theory and tailored to client plan objectives and risk tolerances. The firm is notable for including insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Mccutchen is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with The Vanguard Group since 2015. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm uses a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, offering tax-aware features and a range of customization options.

Anna Krylova is a Series 66-licensed financial advisor with Vanguard Advisers, based in Malvern, PA, and has two years of industry experience. Her background includes roles at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation since 2023, as well as prior experience with FBI-LEEDA and Temple University. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice, employing a goal-based, algorithm-driven approach that emphasizes personalized asset allocation and tax-aware portfolio construction. The firm manages a large client base with a combination of digital platforms and a team servicing model.

Alisa Consalvi is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. She has been with The Vanguard Group, Inc. since 1992. 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 methodologies and a variety of customization options.

Steven Haines is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at PNC Investments for 18 years before joining Wells Fargo. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Stephanie Rita is a financial advisor with Vanguard Advisers based in Malvern, PA, holding Series 63 and Series 66 designations and nine years of industry experience. She has been associated with Vanguard-affiliated entities since 2008 and is listed as a co-owner of Olive U, Inc., a food ingredient brokerage business founded by her husband, though she does not actively manage it. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to set personalized asset allocations, primarily investing in Vanguard funds and ETFs, and offers various tax-aware and customizable portfolio features.