Wayne Bartolacci is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 33 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and MassMutual since 2016, following a prior role at MetLife Securities. Additionally, he is an agent licensed to sell individual life and long-term care insurance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with a focus on collaborative, annual planning engagements using analytic tools to develop investment strategies.

James Roselli is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 designations and 19 years of industry experience. He has been with The Vanguard Group since 2006. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach that incorporates proprietary models to set personalized asset allocations, with portfolios built mainly from Vanguard funds and ETFs and offering various customization options.

Daniel Tremblay is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard Advisers since 2021. Prior to this, he was associated with Vanguard Marketing Corporation and The Vanguard Group starting in 2019. 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 to construct portfolios primarily from Vanguard funds and ETFs, offering a wide range of customization options.

Benjamin Cohen is a CFP® with 19 years of industry experience currently serving at Vanguard Advisers since 2010. He has also been affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2007. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach uses a goal-based, algorithm-driven methodology with portfolios constructed largely from Vanguard funds and ETFs, offering various customization options and tax-aware features.

Michael Ursomarso is a financial advisor at Vanguard Advisers with 11 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at The Vanguard Group since 2019, following four years at Lincoln Financial Distributors. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through automated and human-supported investment advice, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs.

Emily Endres is a CFP®-designated financial advisor with 14 years of industry experience, currently affiliated with Morgan Stanley in Berwyn, PA. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017 and previously was with Natixis Global Asset Management. Outside of her advisory role, she serves as an executor involved with estate administration. Morgan Stanley Wealth Management provides investment advisory and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by firm-approved tools and offers a range of advisory programs without providing individual security recommendations as part of standalone plans.

Kathleen Zarella is a financial advisor at Charles Schwab with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2011. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and a formal alternative-investment program.

Matthew Lodise is a financial advisor at Vanguard Advisers with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has been with The Vanguard Group, Inc. since 2005. Vanguard Advisers provides 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 proprietary methodologies to construct personalized portfolios primarily from Vanguard funds and ETFs.

James Burns Jr. is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 31 years of industry experience, including prior roles at MetLife Securities Inc. and MassMutual Life Insurance Co. He is also the owner of J Burns Advisor Group, LLC, an entity created for future insurance ventures. Mass Mutual 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, and charitable organizations. The firm employs collaborative, goal-oriented planning supported by firm-approved software and offers a range of investment and planning programs.

Kyle Pedraza is a Financial Advisor at Merrill Lynch Wealth Management. He brings a unique background to his role, having started his career as a corporate attorney specializing in corporate litigation and subrogation law. This experience has informed his approach to client representation, team collaboration, and dedicated client service in wealth management. Kyle assists clients in managing new wealth, personal retirement planning, and individual and corporate investment strategies. He provides traditional advice and guidance and helps clients pursue their investment objectives by recommending individual or combined strategies, funds, or portfolios from Merrill or approved third-party investment managers. Additionally, Kyle offers access to banking, credit, home financing, and small business solutions. He holds the Personal Investment Advisor (PIA) designation. He earned a Juris Doctor from Temple University Beasley School of Law and a Bachelor's degree from the University of Wisconsin-Madison. Kyle communicates in English and Spanish. Outside of his professional work, he enjoys adventure sports, boxing, football, golfing, music, spending time with his family, and watching movies.

Angela Tonrey is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 66 and Series 63 designations. Prior to joining Morgan Stanley in 2025, she worked at The Vanguard Group for five years and served at the Pennsylvania Department of Banking and Securities. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Andrew Migliore is a financial advisor with Equitable Advisors, holding a Series 66 designation and four years of industry experience. Prior to joining Equitable Advisors, he worked at Blair Johnson and AT&T, and has previous experience in education at several schools. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs delivered through a broad network of adviser representatives and third-party managers.

Katelyn Wilson is a financial advisor at Merrill with nine years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2017. Prior to that, she was employed at USLI from 2011 to 2017. Merrill, together with Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mitchell Wonboy is a financial advisor at Vanguard Advisers with 26 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Merrill, Bank of America, Equitable Financial Life Insurance, and Fisher Investments. 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 constructed primarily from Vanguard funds and ETFs, supported by a digital delivery model and a large team of advisors.

John Mccraw is a financial advisor at LPL Financial with 44 years of industry experience. He holds the CFP® and ChFC® designations and previously spent 42 years with Lincoln Financial Advisors Corporation. He is also the author of *Mastering Your Financial Success*, a publication covering various aspects of the financial industry. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a wide range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

De Yana Mungro is a financial advisor at Vanguard Advisers with seven years of industry experience. Prior to joining Vanguard in 2026, she worked at New York Life Insurance Company and Wells Fargo Bank NA. In addition to her advisory role, she owns and manages a real estate investment business. 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 approach using proprietary models to tailor asset allocations, primarily utilizing Vanguard funds and ETFs, and serves a large client base through a combination of digital platforms and advisor teams.

Tucker Rolen is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and five years of industry experience. He has been with Vanguard Marketing Corporation and The Vanguard Group since 2021. Prior to that, he held various roles in different industries, including sports turf management and beverage distribution. 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 approach using proprietary models to create personalized asset allocations, primarily through Vanguard funds and ETFs.

Leslie Montana is a CFP® and holds a Series 66 license, with 12 years of experience in the financial advisory industry. She has worked at LPL Financial since 2013. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers 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.

Ryan Keefe is a financial advisor at Vanguard Advisers with eight years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial, Cetera Wealth Services, and Voya Financial Advisors. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by offering a combination of automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor. The firm employs a goal-based, algorithm-driven investment approach, constructing portfolios primarily with Vanguard funds and ETFs and offering extensive customization options.

Michael Moyer is a CFP® with 13 years of industry experience, currently serving at Vanguard Advisers in Malvern, PA. He has been with The Vanguard Group, Inc. since 2013 and has operated a separate sales business since 2020. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. Its investment approach uses a proprietary glide-path methodology and the Vanguard Capital Markets Model to create personalized, goal-based portfolios primarily composed of Vanguard funds and ETFs.