Ronald Barnes is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 66 and Series 63 designations and has previously worked at Capital Group and Navient. His current roles also include positions with Vanguard Marketing Corporation and The Vanguard Group, Inc. 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 methodologies to construct portfolios mainly from Vanguard funds and ETFs, offering various customization options and tax-aware features.

Robert Fried is a financial advisor at Raymond James Financial with 25 years of industry experience. He holds the Series 66 designation and has been with Raymond James Financial Services since 2004. In addition to his advisory role, he serves as an independent contractor for Anchor Investment Group LTD. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, charitable organizations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting, utilizing analytical tools and models to support client goals.

David Oscar is a financial advisor with Morgan Stanley in Berwyn, PA, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. He serves as a board member of the Rotary Club of King of Prussia, supporting local nonprofit organizations such as the Lower Merion Scholarship Committee. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to develop financial plans.

Benjamin Skupp is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and possessing 22 years of industry experience. He has previously worked at Metlife Securities Inc. and New England Securities. Outside of his advisory role, he owns Mindshift Financial Coaching, a financial coaching business. Mass Mutual 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, employing collaborative, goal-focused planning supported by firm-approved analytical tools.

Nicholas Del Viscio is a financial advisor at Osaic with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Pacific Life Insurance, Pacific Select Distributors, and Equitable Distributors. Osaic Wealth serves a diverse range of clients including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various strategies including Unified Managed Accounts and third-party money manager programs.

Benjamin Glenn is a financial advisor at Vanguard Advisers with six years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Vanguard Advisers, Glenn worked at The Vanguard Group and Vanguard Marketing Corporation, and he has experience with Bryn Athyn College Theological School, Safeware Inc., and the Academy of the New Church. 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 large client base through its digital platform and team model.

Dean Mioli is a CFP® professional with 22 years of industry experience, currently affiliated with Cetera. His prior experience includes over 16 years at SEI Investment Management and related entities. He also serves as an adjunct professor for the American College of Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, supporting both discretionary and non-discretionary authorities across multiple program structures.

Michael Musial is a CFP® with 21 years of industry experience and has been with The Vanguard Group, Inc. since 2004. He is based in Malvern, PA and holds a Series 63 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 investment approach using proprietary methodologies and focuses on portfolios constructed mainly from Vanguard funds and ETFs, offering various customization options.

Shawn Pearson is a financial advisor with Wells Fargo Clearing in Wayne, PA, holding Series 63 and Series 66 credentials and 22 years of industry experience. He previously worked at PNC Investments LLC for four years before joining Wells Fargo Clearing in 2018. Outside of his advisory role, he co-owns KLHS Capital Management with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions through a large network of financial advisors.

Ryan Flynn is a financial advisor at LPL Financial with 19 years of industry experience. He has held his current position since 2017 and previously worked at Fs2 Capital Partners, LLC from 2011 to 2017. He holds Series 63 and Series 66 licenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Christopher Mitchell is a CFP® professional with 21 years of experience in the financial industry. He has worked at OSAIC since 2018 and previously held roles at Sii and Ameriprise. Outside of his advisory work, he serves as President of the local chapter of the Association of Professional Ball Players of America and is an MLBPA certified sports agent specializing in contract negotiations for baseball players. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization across various investment programs and maintains a complex affiliate network that supports its broad platform.

Corey Kreston is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at various firms including Citi, 84 Lumber, and the University of Delaware. His current role at Vanguard Advisers began in 2021. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios primarily using Vanguard funds and ETFs, offering features such as tax-aware strategies and customizable asset allocations.

Crystal Lawrence is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. She has been with Vanguard Advisers since 2026 and has involvement with the Jamaican Vybez Sauce Company since 2019. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisory services, serving retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach, primarily employing Vanguard funds and ETFs, with a focus on scalable digital delivery and customized client portfolios.

Paul Karcher is a financial advisor at RBC Capital Markets with 43 years of industry experience. He holds a Series 63 designation and has worked previously at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory role, Mr. Karcher operates a garden business focused on building raised bed gardens and conducts self-defense workshops through a personal safety company. He also serves as a committee member leading voter outreach efforts in his local precinct. RBC Wealth Management, a division of RBC Capital Markets, offers a wide range of advisory programs and services to individual investors, institutions, corporations, and charitable organizations. The firm customizes investment strategies based on client risk profiles, utilizing both in-house and third-party managers, and provides integrated portfolio management, planning, custody, and brokerage solutions.

Brian West is a Series 66 registered financial advisor with Vanguard Advisers, bringing three years of industry experience. He has been with Vanguard Advisers since 2023 and has also held roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2022. Prior to his finance career, he worked at Penn State University and Downingtown STEM Academy. Vanguard Advisers offers a combination of automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses an algorithm-driven, goal-based investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various customization options.

Zachary Golen is a financial advisor with Mass Mutual Investors Services in Radnor, PA, holding Series 63 and Series 65 registrations and bringing 21 years of industry experience. He has worked with MML Investors Services and MassMutual Life Insurance Company since 2005. In addition to his advisory role, he is involved in sales of life and health insurance products. 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 offers collaborative planning engagements using firm-approved analytical tools and a range of investment and insurance solutions.

D. Scott Wisman is a Wealth Management Advisor with extensive experience at Merrill Lynch Wealth Management. Since 1982, he has provided customized wealth management services to affluent individuals, families, and professionals. His approach emphasizes taking a comprehensive view of wealth management that goes beyond clients' investments, beginning with listening to understand what is truly important to them before making recommendations. Scott draws on over 40 years of experience navigating both turbulent and prosperous markets. He specializes in constructing and managing fixed income portfolios and focuses on helping clients make decisions based on long-term goals rather than short-term market fluctuations. His client focus areas include college education planning, corporate executive services, executive compensation, family wealth management strategies, personal retirement planning, portfolio management, investment strategy, tax minimization, and retirement income. Scott earned his Bachelor's degree from Virginia Polytechnic Institute & State University. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been recognized by Forbes as one of America's Best-in-State Wealth Advisors for multiple consecutive years and was named to Barron's America's Top 1,200 Financial Advisors list from 2011 to 2017. Outside of his professional work, Scott is an avid skier and sports car enthusiast. He resides in West Grove, Pennsylvania, with his wife, Barbara. They have two children, Jennifer and Michael, the latter of whom is a Financial Advisor with the team.

Anthony Degli Obizzi Jr. is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has six years of industry experience and previously worked at Lincoln Financial Distributors, Morgan Stanley, and JPMorgan Chase. He also holds an outside insurance sales position as a property and casualty broker. Mass Mutual 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 programs using firm-approved analytical tools and offers specialized services such as divorce planning and event-driven estate settlement.

Robert Griesemer is a financial advisor with LPL Financial in Wilmington, DE, holding the ChFC® designation and Series 63 license. He has 42 years of industry experience, including previous roles at Lincoln Financial Securities Corporation and Financial House. He is also the owner of Certified Consultants Inc., a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutional clients. The firm provides a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Walter Timby IV is a financial advisor at Mass Mutual Investors Services with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Mass Mutual Investors Services since 2017. Prior to this, he was with Metlife Securities Inc. and New England Securities. Timby is also an independent insurance agent specializing in individual life, health, group life, and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm serves individuals, business owners, trusts, estates, charitable organizations, and employers, providing financial planning, asset management, and educational programs.