Athena Mccarthy is a CFP® with 19 years of experience in the financial industry, currently serving as an advisor at Vanguard Advisers since 2007. She holds a Series 63 license and is based in Malvern, PA. 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 that incorporates proprietary models and largely uses Vanguard funds and ETFs. The firm manages a large-scale digital platform with over 2,400 advisors and serves a diverse client base focused on retirement and savings goals.

Kristin Witmer is a CFP®, ChFC®, and Series 63-licensed financial advisor with 23 years of industry experience. She has been with The Vanguard Group since 2011 and is based in Malvern, PA. 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 approach using proprietary models to construct portfolios mainly from Vanguard funds and ETFs, featuring customization options such as tax-aware strategies and ESG exposure.

Theodore Liadis is a financial advisor at Vanguard Advisers with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at The Vanguard Group and its affiliated entities since 2021. Outside of his advisory role, he is also engaged as a delivery driver for Lehigh Pizza. 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 with portfolios constructed mainly from Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing hundreds of thousands of client relationships through a combination of automated platforms and advisory teams.

Kristin Colgan is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she worked at CBRE and held roles in the restaurant industry with Eddie V's Prime Seafood, Taphouse 23, and Sullivan's Steakhouse. She holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its advisory process.

Brian Degnan is a financial advisor with Morgan Stanley, holding a Series 66 designation and 22 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved tools and methodologies such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.

John Eyen is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 11 years of industry experience. His prior work includes roles at Berthel Fisher & Company Financial Services and the U.S. Postal Service. Outside of advising, he owns and operates an e-commerce business, Eyen Exchange LLC. 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 tailor asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base with over 2,200 advisors.

Jeffrey Hall is a financial advisor with RBC Capital Markets in Conshohocken, PA, holding Series 63 and Series 65 designations and over 46 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, utilizing in-house and third-party investment managers and tailored strategies based on clients’ risk profiles.

Robert Clements Jr. is a financial advisor with LPL Financial in Wayne, PA, holding the ChFC® designation and securities licenses Series 63 and Series 65. He has 23 years of industry experience and has worked at firms including Global Retirement Partners, LLC, New England Securities, and Private Advisor Group, LLC. Clements also serves as a life insurance broker and operates Clements Financial LLC, a business entity formed for tax and liability purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment solutions, including model portfolio programs, third-party asset management, and institutional platforms.

Robert Defalco is a financial advisor at Merrill with 29 years of industry experience. He holds the Series 66 designation and has been with Merrill Lynch since 1986. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Leon Edelman is a CFP®-certified financial advisor with 14 years of industry experience, currently practicing at Vanguard Advisers. He has worked at The Vanguard Group 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 featuring personalized asset allocations and portfolios primarily composed of Vanguard funds and ETFs.

Randy Swope is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His career includes roles at PFS Investments Inc. and Primerica Financial Services since 2018, as well as Lincoln Investment from 2016 to 2018. In addition to advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its investment solutions.

Albert Weikel III is a CFP® with 29 years of industry experience and has been with The Vanguard Group, Inc. since 1996. He is based in Malvern, PA, and holds Series 63 and Series 65 licenses. Vanguard Advisers delivers 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 with portfolios primarily composed of Vanguard funds and ETFs, supported by a large advisory team serving a broad client base.

Michael Harrington is a financial advisor at Charles Schwab in Radnor, PA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has been with Charles Schwab and its affiliated Trust Bank since 2015. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services. The firm is notable for its scale, integrated service model, and multi-asset investment approach supported by in-house research and alternative investment options.

Gary Martin is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Vanguard Advisers since 2015 and is also employed by The Vanguard Group, Inc. Outside of his advisory role, Martin is contracted for delivery services with Uber Eats and 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 approach with portfolios built mainly from Vanguard funds and ETFs, combining scale with digital delivery supported by a team servicing model.

John Musewicz is a Series 66-licensed financial advisor with Vanguard Advisers, bringing seven years of industry experience. He has been with Vanguard in various capacities since 2008, including roles at The Vanguard Group and Vanguard Marketing Corporation. Outside of his advisory work, he serves as an umpire for youth sports leagues. 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, emphasizing digital delivery and scale.

Mckenzie Moore is a financial advisor at Wells Fargo Advisors with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Wells Fargo Advisors in 2025, Moore worked at Charles Schwab and held positions outside the financial sector, including roles at Tommy Hilfiger, UPS, DoorDash, and staffing companies. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, utilizing proprietary research and planning tools to develop tailored recommendations.

Pieter Lamley is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. His background includes roles at Bank of America, Merrill, and various insurance and real estate firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm provides a variety of financial planning and investment management options supported by research and technology tools.

Miroslava Altay is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing Services LLC since 2018 and Wells Fargo Bank NA since 2012. She also served at Temple University for seven years. Outside of her advisory role, she is a Pennsylvania Notary Public. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Jeffrey King is a financial advisor at Raymond James & Associates with 19 years of industry experience. He previously spent 12 years at UBS Financial Services before joining Raymond James in 2025. He holds a Series 66 designation and is based in West Conshohocken, PA. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Joseph Medica is a financial advisor with Primerica Advisors in Chalfont, PA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 2003. In addition to advisory services, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and custodial services, focusing primarily on individual investors rather than institutional or pension clients.