Kelly Klyce is a CFP® professional with 23 years of industry experience. She has been with Vanguard Advisers since 2014 and has worked at Vanguard Marketing Corporation and The Vanguard Group Inc. since 2002. Kelly is based in Malvern, PA. 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 construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a high volume of client relationships through its digital platform and team model.

Jake Haus is a financial advisor at Vanguard Advisers with Series 65 and Series 66 designations. He joined Vanguard in 2026 and has prior experience at LPL Enterprise and Prudential Advisors. Outside of his advisory role, he has worked as a bouncer. 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 various customization options.

Gordon Ferguson is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds the Series 66 and Series 63 licenses. Prior to joining Vanguard Advisers, he spent 11 years at Global Atlantic Financial Company. 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 approach to portfolio construction, utilizing Vanguard funds and ETFs along with various tax-aware and customization features.

Elizabeth Smith is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2008. 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.

Ryan Uchniat is a financial advisor at Vanguard Advisers with 11 years of industry experience. He holds the Series 66 designation. His prior work includes roles at Scottrade, Inc. and Jeffrey Miller Catering. Vanguard Advisers provides automated and human-supported investment advice for retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs. The firm combines scale and digital delivery to manage a large client base with a high client-per-advisor ratio.

William Mundy is a financial advisor with Morgan Stanley in Berwyn, PA, holding a Series 66 designation and 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012 and the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Mundy serves on the capital committee of the Aronimink Golf Club and is a member of the Advisory Board at Agnes Irwin School, focusing on issues related to girls' education. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive resources. The firm manages approximately $2.74 trillion in client assets and serves clients through various specialized programs and financial planning strategies.

John Scott II is a Certified Financial Planner (CFP®) with 10 years of industry experience. He currently works at Vanguard Advisers and has held roles at various Vanguard entities since 2016, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides both automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily invests in Vanguard funds and ETFs, serving hundreds of thousands of clients through a combination of digital platforms and a large advisor team.

Ryan Bell is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has worked at various Vanguard entities since 2022, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Prior to that, he held roles at Bank of America and in academic settings at the University of Delaware and East Stroudsburg University. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, offering scalable digital delivery supported by a large team of advisors.

Jason Saks is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2024. He has been with Fidelity since 2021, previously serving as a Planning Consultant. Prior to joining Fidelity, Jason held various roles in the financial industry, including Financial Advisor at Prudential Advisors and multiple positions at Vanguard, ranging from Investment Consultant and Manager to Senior Block and Option Desk Trader. His career began with roles in equity trading and business development. Jason specializes in wealth planning and financial advising, utilizing Fidelity's resources, tools, and products to assist clients in managing their financial lives with clarity and confidence. His approach emphasizes long-term wealth building and helping clients navigate financial challenges over time. Outside of his professional work, Jason has interests in board games, cooking and baking, football, pets, reading, and traveling.

James Mammarella Jr. is a CFP® professional with 34 years of industry experience, currently serving as an advisor at OSAIC since 2023. Prior to joining OSAIC, he worked at FSC Securities Corporation for 16 years. Outside of his advisory role, he owns Wealth Efficiency Strategies, a firm focused on evaluating insurance needs. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale, consolidation activity, and complex affiliate network.

Stephen Mcdermott is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at M&T Securities, Wilmington Brokerage Services Company, Wilmington Trust Investment Management, and UBS Financial Services. Outside of advisory work, he coaches defense for the Tatnall High School football team. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning, advisor-managed portfolios, Unified Managed Accounts, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by risk assessment tools and offers a complex affiliate network alongside multiple custodial and legacy program arrangements.

Thomas Egan is a CFP® professional with 22 years of experience in the financial industry. He has been with Vanguard Advisers since 2019 and has worked within the Vanguard organization since 2007. His credentials also include Series 63 and Series 65 licenses. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a digital delivery platform.

Christopher Kwon is a financial advisor with Equitable Advisors in Devon, PA, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has worked at Equitable Advisors since 2016 and previously worked at Axa Advisors, LLC and MSI Financial Services, Inc. Kwon also conducts business using external platforms linked to his professional activities. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory models, including third-party asset managers and LPL-sponsored programs, and offers ERISA fiduciary services through credentialed representatives.

Max Minnier is a financial advisor with Merrill in Wayne, PA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill and Bank of America, he was a full-time student for four years and operated a landscaping business during high school. He is also the sole owner of a rental property investment in Downingtown, Pennsylvania. 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 a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Aditi Dayal is a CFP® with 23 years of industry experience, currently serving at Vanguard Advisers since 2020. She has been associated with The Vanguard Group Inc. and Vanguard Marketing Corporation since 2002. 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 with portfolios primarily constructed from Vanguard funds and ETFs, combining scale and digital delivery to manage a large client base efficiently.

Kyle Ryan is a CFP® and ChFC® with seven years of industry experience. He is currently affiliated with LPL Financial and Menninger & Associates, where he has worked since 2018 and 2022 respectively. Outside of his advisory roles, he contributes as an article editor for LendEDU. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

H. Ingersoll is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to joining Mass Mutual Investors Services in 2017, Ingersoll worked at MetLife Securities Inc. from 2015 to 2017 and has been associated with MassMutual Life Insurance Company since 2016. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning supported by firm-approved analytical tools and offers a range of programs including educational seminars and event-driven planning services.

John Mc Elwee Jr. is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and one year of industry experience. Prior to his current role, he worked at several firms including Jackson National Life and Pacific Life Insurance Company. Outside of finance, he owns and operates an e-commerce business that designs websites for companies lacking a digital presence. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships using firm-approved analysis tools.

Linda Katz is a financial advisor with MassMutual Investors Services in Radnor, PA, holding the ChFC® designation and Series 63 license. She has 45 years of industry experience, including over four decades at MML Investors Services, Inc. and MassMutual Life Insurance Company. In addition to her advisory role, she works as a licensed insurance agent involved in the sales and service of insurance products. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning and asset management services through structured, annual client engagements that utilize firm-approved analytical tools and support a range of specialized planning programs.

Shane Powers is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Goldman Sachs Ayco Personal Financial Management and various organizations in financial and non-financial capacities. Outside of advisory work, he is a contracted delivery driver for DoorDash. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach, employing proprietary models and various customization options, while managing a large client base through a combination of digital platforms and advisor teams.