Andrew Dietterich is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked with Vanguard entities since 2018 and previously spent a year at Northwestern Mutual. 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 methodologies and primarily Vanguard funds and ETFs, combining scale with digital delivery to manage a large client base.

Laura Banes is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. She has worked at Merrill since 2019 and has prior experience in the restaurant industry. Outside of her advisory role, she has worked in customer service at Ron’s Original Bar and Grill. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Noreen Procaccini is a Financial Consultant at Fidelity Investments, a role she has held since 2023. Prior to this, she served as an Investment Consultant at Fidelity Investments from 2021 to 2023. Before joining Fidelity, Noreen was the Global Cash Management & Trading Manager at SEI Investments from 1998 to 2021. Her professional experience spans over two decades in the financial services industry, with expertise in investment consulting, cash management, and trading. Noreen is committed to assisting clients and their families in achieving their financial objectives through comprehensive planning and tailored guidance. Outside of her professional work, Noreen has interests in baseball, soccer, traveling, and yoga.

Adrian Grow is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and four years of industry experience. He has held various roles within The Vanguard Group, Inc. and its affiliated entities since 2022. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios primarily composed of Vanguard funds and ETFs.

Kirsten Nilsen is a financial advisor with Wells Fargo Advisors in Wayne, PA, holding a Series 66 designation and five years of industry experience. She has been with Wells Fargo Advisors since 2018, with prior experience in staffing roles before transitioning to financial advising. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu, including specialized services such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools.

Liubov Holfelner is a financial advisor at Vanguard Advisers with Series 66 and Series 63 credentials and four years of industry experience. She has held roles at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Fidelity Home Healthcare. Outside of her advisory work, she operates an eBay sales business. Vanguard Advisers provides automated and human-supported investment advice primarily for retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios mainly from Vanguard funds and ETFs, supported by a large advisory team and digital delivery platform.

Josh Williams is a Planning Consultant who collaborates with clients to develop financial plans aimed at achieving their financial goals. His role focuses on tailoring financial strategies to meet the specific needs of each client. Outside of his professional responsibilities, Josh has personal interests that include baseball, fitness, football, golf, and caring for pets.

Randi Moulder is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. Prior to joining LPL Financial, she worked for eight years at Boenning & Scattergood. She is also a commissioned notary in Phoenixville, PA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Aleksander Niggli is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and four years of industry experience. He has been with Vanguard Advisers since 2025 and also works as a contract furniture mover and music artist outside of his advisory role. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs.

Clinton Smedley is a CFP® professional with 20 years of industry experience, currently affiliated with Cetera. His prior work includes 15 years at Cuso Financial Services and ongoing service at Citadel Federal Credit Union since 2009. He serves as a board member for the CPWA Commission / Investments & Wealth Institute, attending quarterly meetings related to the CPWA designation. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various investment program structures.

Nicolas Chupela is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and four years of industry experience. He has been with Vanguard Advisers since 2025 and has also worked for Vanguard Marketing Corporation and The Vanguard Group since 2022. Outside of finance, he previously managed a bar and grille for seven years. Vanguard Advisers offers automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. Its investment approach combines goal-based, algorithm-driven strategies with portfolios primarily constructed from Vanguard funds and ETFs, emphasizing digital delivery at scale.

Raji Kurbaj is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 66 and Series 63 credentials and four years of industry experience. Prior to Vanguard, Raji worked at New York Life Insurance Co. and operated Kurbaj Trading Inc. for five years. 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 with personalized asset allocations and a range of customization options.

Thomas Smith Jr. is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Daniel Boyer III is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 47 years of industry experience. He previously spent 40 years at Boenning & Scattergood, Inc. Outside of his advisory role, he is involved with the Brookside Geezer Golf League, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Ryan Peterson is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and having one year of industry experience. His prior work experience includes roles at Target and Tristate Financial Advisors. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based and algorithm-driven approach to portfolio construction, emphasizing personalized asset allocations and tax-efficient strategies across a large client base.

Ryan Adams is a CFP® with 21 years of industry experience, currently serving at Vanguard Advisers. He has been with The Vanguard Group, Inc. and its affiliates since 2005. 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 offers portfolios constructed mainly from Vanguard funds and ETFs.

Kimberly Speese is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has 10 years of industry experience, having worked at firms including William Blair, Raffa Investment Advisers, Fidelity Brokerage Services, Bank of America, Merrill, and Morgan Stanley. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software to support collaborative, annual planning relationships.

Bryan Krause serves as the Senior Resident Director and Wealth Management Advisor at Merrill. Since joining Merrill Lynch Wealth Management in 1997, he has been dedicated to providing financial strategies to a diverse clientele that includes wealthy retirees, attorneys, business executives, and entrepreneurs. He is a partner in the Krause Brooks Zeplin Wealth Management group, focusing on customized investment portfolios and comprehensive family planning strategies. His leadership role includes managing the Exton office to support Merrill advisors effectively. Bryan's expertise encompasses wealth management, retirement planning, intergenerational and charitable planning, and portfolio management. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). Bryan earned a bachelor's degree in finance from Loyola University in Baltimore, Maryland, and is a member of the Investments & Wealth Institute and CFP(R) Practitioners. Recognized on the Forbes "Best-in-State Wealth Advisors" list for multiple years, Bryan brings extensive experience to his clients' financial goals. Outside of his professional role, he resides in Chester Springs, PA, with his wife Kimberly and their four sons. He enjoys skiing, golf, running, traveling, watching lacrosse, and spending time outdoors. Bryan is also involved with community organizations including Cradles to Crayons and ChildFund International.

Nicholas Gaetani is a CFP® and ChFC® with 14 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He previously worked at Mallard Financial Partners and Capital One Investing. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs.

Louis Inglese is a financial advisor at LPL Financial with 31 years of industry experience. He has held roles at LPL Financial since 2018 and previously worked at Invest Financial Corporation for 13 years. Inglese holds Series 63 and Series 65 designations. 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 various advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.