David Ambartsumian is a financial advisor with Morgan Stanley in West Conshohocken, PA, holding Series 65 and Series 63 licenses and nine years of industry experience. His background includes roles at Morgan Stanley Private Bank, Bank of America, Merrill, Mutual of Omaha Investor Services, and service in the PA Army National Guard. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, emphasizing structured financial planning and a broad suite of investment services.

Kelsey Crawford is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2018, following four years at Janney Montgomery Scott. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning arrangements.

Kyle Miller is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. His prior roles include positions at Lincoln Investment and The Prudential Insurance Company of America. Outside of his advisory work, he bartends on weekends at a craft brewery in Allentown, PA. LPL Enterprise serves a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by internal research and third-party strategists, and offers financial planning, consulting, and access to third-party asset managers.

Arlie Huff is a financial advisor at Vanguard Advisers with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Vanguard Advisers, Arlie has worked in various self-employed roles and spent time at Vanguard Marketing Corporation and The Vanguard Group, Inc. Outside of financial advising, Arlie works as a contracted realtor assisting primarily residential clients with buying and selling property. 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 range of customization options and managing a large client base through its digital delivery platform.

Vito Martutartus is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior roles include seven years at VOYA Financial Advisors and several years with Cetera and Cetera Wealth Services. He is also involved in independent insurance sales through his business activities. Cetera Investment Advisers LLC is an SEC-registered firm 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 diverse portfolio management options, operating at significant scale with more than 10,000 advisors and $256 billion in assets under management.

Ryan Szabo is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Lincoln Financial Distributors, Brinker Capital Investments, and The Vanguard Group. Vanguard Advisers delivers 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, constructing portfolios mainly from Vanguard funds and ETFs, and manages a large client base through its digital platform and advisory team model.

Nicholas Chermol is a financial advisor with Vanguard Advisers, holding the Series 66 credential and two years of industry experience. He has held multiple roles within The Vanguard Group and related entities since 2024. Outside of his advisory work, he is the owner of ALLCAPNOBRIM, a content creation business focused on vlogs, blogs, and podcasts. 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, offering portfolios primarily composed of Vanguard funds and ETFs with various customization options.

Jeremy Bravo Sanmartin is a financial advisor at Merrill with a Series 66 designation and approximately two years of industry experience. His prior work includes roles at Bank of America and several educational institutions. There are no additional notable outside activities reported. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rilee Kelly is a financial advisor at Vanguard Advisers with a Series 66 credential and one year of industry experience. Prior to joining Vanguard, Kelly worked at Blue Owl Capital and Morgan Stanley in 2024 and has experience in academic support roles at Seton Hall University and Brookville Area High School. Vanguard Advisers offers 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 utilizes a goal-based, algorithm-driven investment approach featuring proprietary asset allocation models and portfolios primarily composed of Vanguard funds and ETFs.

William Bredt is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and over 36 years of industry experience. He has worked at Raymond James & Associates since 1999, including six years with Raymond James & Associates, Inc. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, providing financial planning, non-discretionary investment consulting, and municipal advisory services.

Tyler Harrison is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and five years of industry experience. He has worked at Vanguard Advisers and related Vanguard entities since 2021, with prior experience at De Lage Landen Financial and Legend Financial Advisors. Outside of his advisory role, he owns and operates a retail business, 888Infinity, based in West Chester, PA. 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 to portfolio construction, utilizing Vanguard funds and ETFs, and manages a large client base through its digital platform combined with advisor support.

Gretchen Carey is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. She also has a long tenure with J. B. Hanauer & Co. and Metal Edge Intl. Carey has an ownership interest in a business called 337 West Walnut LLC. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and offers both retail and institutional investment solutions.

Patrick Groarke is a financial advisor with Cetera who holds a Series 63 designation and has 34 years of industry experience. He has previously worked at Wells Fargo Clearing and currently serves as managing director and business owner at Galloway Berkshire Capital LLC. Additionally, he is an insurance agent involved in selling annuities and long-term care products. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of investment management and retirement services, operating as a multi-manager platform with access to various portfolio strategies and program structures.

Samantha Grissom is a CFP® with 13 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2012. She holds a Series 63 license and is based in Malvern, PA. Outside of her advisory role, she acts as a limited agent for her mother. Vanguard Advisers offers 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 featuring proprietary models and primarily uses Vanguard funds and ETFs in constructing portfolios.

Joseph Quinlan is a financial advisor with Merrill in Doylestown, PA, holding Series 63 and Series 66 licenses and having 18 years of industry experience. He has been with Bank of America and Merrill since 2003. Outside of his advisory role, Quinlan is a non-resident fellow at the German Marshall Fund and Johns Hopkins University Center for Transatlantic Relations, where he participates in economic conferences focused on global economics and finance, and he serves as an adjunct professor at Fordham University. He is also under contract with John Wiley & Sons to co-author a book on Gender Lens Investing. Merrill, along 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 strategies managed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stuart Bristow is a financial advisor with RBC Capital Markets in Conshohocken, PA, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored strategies based on client risk profiles and utilizes a combination of in-house and third-party investment managers.

Lorraine Geraghty is a financial advisor with Morgan Stanley in West Conshohocken, PA. She holds a Series 66 designation and has 22 years of industry experience. Her prior roles include positions at UBS Financial Services and Hightower Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured planning tools and investment analysis from its Global Investment Committee.

Urszula Dabrowski is a CFP® with 18 years of industry experience and has been with The Vanguard Group, Inc. since 2016. She is based in Malvern, PA, and holds the Series 63 designation. Vanguard Advisers provides both 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 portfolios largely composed of Vanguard funds and ETFs, leveraging its scale and digital platform to serve hundreds of thousands of clients.

James Boyd is a CFP® professional with 23 years of experience, currently serving at Mass Mutual Investors Services since 2021. He previously worked at Park Avenue Securities and Guardian Life Insurance Company, accumulating nearly a decade of experience at each. In addition to his advisory role, he is an insurance agent specializing in life, disability, and fixed annuities. MassMutual Investors Services is 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, annual financial planning engagements using firm-approved analytical tools and supports a range of investment and planning programs.

Robert Salon is a financial advisor at RBC Capital Markets with 30 years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley, and UBS Financial Services. Outside of his advisory work, he serves as co-trustee for his daughter’s trust and executor for his father’s estate, dedicating minimal time to these responsibilities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs tailored to client risk profiles and employs a combination of in-house and third-party investment managers to implement portfolios.