Jennifer Guarino is a financial advisor with Wells Fargo Clearing in Radnor, PA, holding Series 63 and Series 66 credentials and 15 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she co-manages rental properties with her spouse. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with a range of brokerage and advisory solutions, serving more than 14,000 financial advisors and overseeing approximately $671 billion in assets.

Joseph Mcmaster is a financial advisor at Vanguard Advisers with Series 63 and Series 66 licenses and four years of industry experience. His career includes roles at Vanguard Marketing Corporation and THE Vanguard Group, Inc., alongside his current position. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies and primarily constructs portfolios with Vanguard funds and ETFs.

David Beagle is a financial advisor with Vanguard Advisers, holding a Series 66 designation and bringing 18 years of industry experience. He has worked at The Vanguard Group since 2022 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, he is a landlord involved in residential rental property management. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach featuring proprietary methodologies and a focus on Vanguard funds and ETFs, serving a large client base through its digital platform and extensive advisor team.

Sandra Kaspar is a financial advisor with Merrill in Wayne, PA, holding Series 63 and Series 65 licenses and 27 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith since 1997. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Wolfersberger is a CFA® charterholder with 20 years of industry experience. He is currently with Vanguard Advisers and has been affiliated with Vanguard entities since 2004, including Vanguard Marketing Corporation and The Vanguard Group, Inc. He holds a Series 63 license. 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 using proprietary methodologies and offers portfolios constructed mainly from Vanguard funds and ETFs.

Thiago Gaspar Sales is a Series 66 registered advisor with LPL Enterprise, based in Collegeville, PA, and has four years of industry experience. His background includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and JP Morgan Chase. Outside of financial services, he was involved with Warrington Pizza Restaurant Inc. for several years. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm primarily employs model-driven investment implementation and offers access to third-party asset managers and insurance products through affiliated entities.

Marcus Carter is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2021. He has been associated with The Vanguard Group and its related entities since 1997. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages a high volume of client relationships through its scalable digital platform.

Robert Wert is a financial advisor at Wells Fargo Advisors with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2009. Outside of his advisory roles, he serves on the finance council of the Diocese of Allentown and acts as a trustee for a family trust. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, providing tailored recommendations using proprietary research and planning tools. The firm’s services include a broad range of planning options, delivered through a network of financial advisors.

Joseph Connelly is a financial advisor with Wells Fargo Clearing in Newtown Square, PA, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously spent one year at Pacer Financial, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Chris Lascarides is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 18 years of industry experience. His prior work includes roles at LPL Financial, M&T Securities, Cetera Advisor Networks LLC, and Vicus Capital, Inc. He maintains an insurance 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 approach using proprietary models to set personalized asset allocations, investing largely in Vanguard funds and ETFs with tax-aware features and customization options.

Russell Talone is a CFP® professional with 23 years of industry experience, currently serving with OSAIC since 2024. Prior to joining OSAIC, he spent 20 years at Woodbury Financial. He is a member of the Finance Committee on the board of Holy Cross Regional Catholic School. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a systematic investment process using asset-allocation tools and supports both discretionary and non-discretionary account management.

Michael Daly is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2017. He has also held roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2013. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios largely composed of Vanguard funds and ETFs.

Tyler Mccraw is a CFP® professional with 19 years of experience in the financial services industry. He is currently with LPL Financial and previously worked at Lincoln Financial Advisors and BlackRock Investment Management. He is also an author of financial education materials. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a wide range of advisory and brokerage services through a large network of investment adviser representatives.

Zanelle Sutton is a financial advisor at Vanguard Advisers with 15 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Vanguard since 2005, including roles with Vanguard Marketing Corporation and The Vanguard Group, Inc. Prior to joining Vanguard Advisers in 2025, she worked briefly at Amazon in 2018. Vanguard Advisers offers 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 composed primarily of Vanguard funds and ETFs, providing customization options and tax-aware strategies.

Nicole Fean is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2024. Prior to this position, she served as a Branch Leader at Fidelity from 2022 to 2024. Nicole's professional experience includes various leadership and consulting roles in the financial services industry, beginning as an Intern at Scottrade, Inc. in 2010 and progressing through positions such as Investment Consultant and Branch Manager at Scottrade, Inc., as well as Branch Manager and Senior Financial Consultant at TD Ameritrade. Throughout her career, Nicole has focused on coaching her team to deliver excellent client experiences through holistic financial planning aimed at helping clients achieve their financial goals. Her background reflects a commitment to leadership and client service within the investment and financial consulting sectors. Outside of her professional life, Nicole enjoys family activities, fitness, horseback riding, outdoor adventures, skiing, and traveling.

Matthew Barbacane is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Vanguard Advisers since 2019. He also works with Vanguard Marketing Corporation and The Vanguard Group, Inc., where he has held roles since 2015. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through a combination of digital platforms and advisor teams.

Lori Piazza Timchack is a financial advisor with Wells Fargo Advisors in Collegeville, PA, holding a Series 66 designation and 12 years of industry experience. She previously worked at Merrill Lynch Pierce Fenner & Smith Incorporated for 17 years and held positions at several firms including Raymond James Financial and Jacobi Capital Management. In addition to her advisory role, she is a notary public for the state of Pennsylvania and owns a law-related business in Wilkes-Barre, PA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of investment and fee-based financial planning services, leveraging proprietary research and planning tools to deliver tailored recommendations across various planning needs.

Tara Spencer is a financial advisor at MassMutual Investors Services with four years of industry experience. She holds a Series 66 designation and has previously worked at Equitable Advisors, LLC. Outside of her advisory role, she is owner and president of several non-investment-related businesses, including KZT Corporation and Forever Wealth Strategies, LLC. MassMutual 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, charitable organizations, and employers. The firm offers collaborative planning engagements using firm-approved software and emphasizes investment strategy recommendations without discretionary authority.

Dillon De Antonio is a CFP® professional with seven years of experience in financial advising. He has worked at Edward Jones since 2019 and previously spent three years at Sei. Edward Jones is a wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and operates a large network of advisors and branch offices across the country.

Nicholas Sigismondi is a financial advisor with Mass Mutual Investors Services holding a Series 66 license and two years of industry experience. Prior to his current role, he worked at Kroll and held various positions including at Firepoint Grill and Temple University. He is also active as an insurance broker, providing sales and services for individual life, property and casualty, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and provides a range of event-driven planning programs.