Christopher Mc Cullough is a financial advisor at UBS Financial Services with three years of industry experience. He holds a Series 66 designation and previously worked at The Goldman Sachs Trust Company, N.A. for nine years. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Sheila Bowden is a financial advisor at Vanguard Advisers with five years of industry experience. She holds Series 66 and Series 63 designations and has worked at Vanguard Marketing Corporation and The Vanguard Group since 2020. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and eligible 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 tax-aware features and customizable options.

Nicholas Calabrese is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has worked at several firms including Equitable Advisors and AXA Advisors. Prior to his financial career, he was employed by the Philadelphia Phillies and spent four years at St. John Fisher College. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its use of model portfolios, advisory roles to registered investment companies, and incorporation of AI and systematic methodologies in its investment approach.

Mason Abate is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and five years of industry experience. He has worked at MML Investors Services, LLC and MassMutual Life Insurance since 2020. Outside of his advisory role, he is a part-time baseball instructor at All Star Baseball Academy, where he works with youth on skill development. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Alexander Boris is a financial advisor with Raymond James & Associates holding a Series 66 designation and four years of industry experience. His career includes positions at Raymond James & Associates since 2021 and a prior role at Juice Dr. in 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning and investment consulting with primarily non-discretionary client relationships and access to diverse portfolio management styles.

Christopher Johnson is a financial advisor with Merrill in Philadelphia, PA, holding a Series 66 designation and over 21 years of industry experience. He has worked at Merrill since 2005 and is also employed by Bank of America since 2009. Johnson serves as a board member for Cradles to Crayons Inc., a nonprofit focused on providing essentials to children in the Philadelphia area, and volunteers with the PGA of America. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution and custody services. The firm’s investment management includes multiple program strategies with both client and advisor discretion, supported by a CIO-led manager selection and oversight process, and benefits from deep integration with Bank of America’s broader banking and capital-markets platform.

Dennis Barth is a CFP® professional with 39 years of industry experience. He is currently with Cetera and has held roles at Avantax and its affiliates since 1986. Outside of his advisory work, Barth serves as the head baseball coach at Gloucester Catholic High School. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services while operating a multi-manager platform with over $256 billion in assets under management.

Jan Carr is a CFP® professional with 42 years of industry experience, currently affiliated with LPL Financial since 2023. Prior to joining LPL, Jan worked for 15 years at Boenning & Scattergood. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Nicholas Diascro is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has been associated with Vanguard and its affiliated entities since 2008 and operates a small e-commerce business selling handmade items on Etsy. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to construct portfolios mainly comprised of Vanguard funds and ETFs.

Melissa Patton is a financial advisor with Vanguard Advisers and holds the Series 66 designation. She has 21 years of industry experience, including roles at Wells Fargo Advisors and The Vanguard Group. Outside of her advisory work, she is also an actor in film, TV, web videos, and stage, and an author. Vanguard Advisers delivers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. Its approach is goal-based and algorithm-driven, utilizing proprietary models and Vanguard funds to create personalized, tax-aware portfolios with a range of customization options.

John Brannon is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and totaling 11 years of industry experience. He has been with Vanguard Advisers since 2019 and also works with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2014. Outside of his advisory role, he serves as president of the West Chester East High School Indoor Track Boosters board. 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 investment approach using proprietary models and primarily Vanguard funds and ETFs, managing a large client base through its digital platform and team servicing model.

Albert Corrato is a CFP®, ChFC®, and Series 63 registered financial advisor with MassMutual Investors Services, where he has worked since 2017. He has 26 years of industry experience, including prior roles at MetLife Securities Inc. and MassMutual Life Insurance Co. He serves as a board member of Hillcrest Memorial Park, a nonprofit cemetery association, and holds a director and treasurer position on the board of the Better Business Bureau for Eastern Pennsylvania and Washington, DC. MassMutual Investors Services, LLC 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 a range of programs including wrap and money-manager services along with educational seminars.

Matthew Carrozza is a financial advisor at J.P. Morgan Securities in Philadelphia, PA, holding a Series 66 designation. He has over 12 years of industry experience, including roles at Bank of New York Mellon from 2013 to 2025 and JPMorgan Chase Bank, N.A. since 2025. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Daniel Rueckle is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has worked with various Vanguard entities since 2015. Mr. Rueckle also acts as a limited agent managing investment accounts for an immediate family member. 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 investment approach and manages a large client base through its digital platform and extensive advisor team.

John Teti is a financial advisor with Equitable Advisors in Bala Cynwyd, PA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory role, he is an independent contractor with Karr Barth Administrators Inc. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm emphasizes matching clients to program models or discretionary managers, often utilizing third-party asset managers and advisory programs.

Andrew Wood is a Financial Consultant at Fidelity Investments, a role he has held since 2024. In this position, he partners with clients to understand and outline their financial goals, working collaboratively to develop tailored plans that align with their specific situations. Before becoming a Financial Consultant, Andrew held several roles at Fidelity Investments, including Planning Consultant from 2023 to 2024, Workplace Planning Consultant III from 2021 to 2023, and Workplace Planning Associate in 2021. He holds a California Insurance License, which supports his work in financial planning and consulting. Andrew's experience at Fidelity reflects a continuous focus on financial planning and client support, leveraging the company's resources to assist clients in pursuing their definitions of financial success.

Andrew Moose is a CFP® with six years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His work history includes roles within multiple Vanguard entities since 2020, as well as positions at Randstad, Suraya, and other firms earlier in his career. Vanguard Advisers delivers 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 incorporating proprietary models and primarily invests through Vanguard funds and ETFs, offering various customization options and managing a high volume of client relationships through its digital platform.

Jonathan Oh is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. He has been with The Vanguard Group since 2015 and previously worked at Syndicate Sports from 2017 to 2019. 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 with portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through its digital platform and team servicing model, focusing on retail and plan participants.

John Timko is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been employed by The Vanguard Group, Inc. since 2005 and also works as a football coach for the West Chester Area School District. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that integrates proprietary models and Vanguard funds to tailor asset allocations.

Michael Oleary is a ChFC®-designated financial advisor with 30 years of industry experience. He is currently with LPL Financial, having joined the firm in 2025 after 16 years at Next Financial Group Inc. Outside of his advisory work, he is involved in a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers comprehensive financial planning and advisory programs with access to diverse investment strategies and research.