David Carlisle is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with Vanguard since 1987 and also works as a freelance keyboard musician. Additionally, he serves as the musical director at Upper Room Missionary Baptist Church. Vanguard Advisers provides automated and human-supported investment advice primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach that utilizes proprietary models and offers portfolios constructed mainly of Vanguard funds and ETFs, featuring tax-aware strategies and customization options.

Stephen Balen is a financial advisor with LPL Financial, holding a Series 63 designation and over 46 years of industry experience. He previously worked at Boenning & Scattergood, Inc. for 19 years before joining LPL Financial in 2023. Outside of finance, he is involved in show dog breeding. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions supported by technology and serves over 22,800 advisors with oversight of more than $819 billion in discretionary assets.

Elizabeth Lubrano is a financial advisor with Equitable Advisors, holding a Series 66 designation and 14 years of industry experience. She has been with Equitable Advisors since 2012 and previously worked with Axa Advisors. Outside of advisory work, she is involved in horse breeding through Horizon Hill Hunter Breeding, LLC, and serves as a judge for the United States Equestrian Federation. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs. The firm uses a variety of advisory models and third-party asset managers to deliver tailored investment solutions and offers ERISA fiduciary services for qualified plans.

Kenneth Wasekanes Jr. is a financial advisor with Morgan Stanley in West Conshohocken, PA, holding a Series 66 license and having one year of industry experience. His prior roles include positions at MML Investors Services LLC, Mass Mutual Life Insurance Company, and South by Sea. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, specializing in tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process using firm-approved tools and offers both direct and corporate financial planning services.

Nicholas Di Prinzio is a Series 66-licensed financial advisor with seven years of industry experience, currently with Vanguard Advisers since 2018. His prior roles include positions at IM Wealth Partners and Merrill Lynch. 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, algorithm-driven approach with portfolios largely composed of Vanguard funds and ETFs, offering a range of customization options and managing hundreds of thousands of client relationships through a large advisory team.

Joseph Kucharczuk is a CFP® with 30 years of experience in the financial industry, currently serving at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 1987. Outside of his advisory role, he acts as an agent for immediate family members in investment matters. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to portfolio construction, utilizing proprietary models and largely Vanguard funds and ETFs.

Christopher Ciavarelli is a financial advisor at Fidelity with 28 years of industry experience. His prior roles include positions at The Vanguard Group and Amazon, as well as self-employment. Outside of his advisory work, he has been an independent contractor driving for a ride share service. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI-driven research, and its advisory role to multiple registered investment companies.

John Lang is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and three years of industry experience. He has previously worked at Comcast Cable and currently has a role at SWIG, LLC, where he serves at retail events. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios largely constructed from Vanguard funds and ETFs.

James Pepe is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 employs over 14,000 advisors, offering both brokerage and advisory solutions.

Estelle Bonnet is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and 15 years of industry experience. She has worked at several Vanguard entities since 2021 and has prior experience in various roles outside the financial industry. Vanguard Advisers provides both 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, relying on proprietary methodologies and Vanguard funds to create customized portfolios at scale.

Joyce Breinlinger is a financial advisor at Edward Jones with five years of industry experience. She holds the Series 66 designation and previously worked at The Vanguard Group, Inc. for five years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of advisory programs and affiliated investment products. The firm is notable for its extensive network of advisors and branch offices, as well as its fiduciary standard and variety of managed solutions.

Carl Haag is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has been with Merrill since 2011. 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 investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Marc Apfelbaum is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2019. He has six years of industry experience, including previous roles at Miller Transportation Group and Penske Truck Leasing. Outside of finance, he is associated with Black Hog Brewing LLC, a brewery located in Oxford, Connecticut. Edward Jones is a full-service wealth management firm serving individual and institutional clients with both discretionary and non-discretionary investment strategies. The firm has a large national presence, managing over $1 trillion in assets through a network of more than 23,000 financial advisors and 15,000 branch offices.

Angela Dahlman is a financial advisor at Vanguard Advisers with five years of industry experience. She holds a Series 66 designation and has worked at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation since 2023. Outside the financial industry, she owns Organize Your Biz, LLC, a business organizing homes and offices. 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.

Jeremy Losinno is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and having 22 years of industry experience. He has been with Vanguard Advisers since 2022 and also operates vlogs, including "Oink Cluck Moo BBQ Vlog" and "J.Lo and S.Lo Vlog." Additionally, he serves as president and board member of Crestwood Swimming Pool. 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 investment approach using proprietary models to create personalized portfolios primarily constructed from Vanguard funds and ETFs.

Jared Crouse is a CFP® with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2016. His prior experience includes roles at UBS Financial Services and Morgan Stanley. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, with a focus on utilizing research and analytics for diversified investment strategies.

David Rankin is a CFP® with 28 years of industry experience, currently affiliated with RBC Capital Markets and City National Bank since 2020. He previously worked for Janney Montgomery Scott from 2009 to 2020. Outside of his advisory role, Mr. Rankin is a radio host and partner at Marathon Partners, LLC, and serves on the advisory board for The First Tee of Greater Philadelphia, a youth enrichment organization. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, offering a range of advisory programs with tailored portfolio strategies implemented through in-house and third-party managers.

Kyle Cooney I is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and four years of industry experience. His prior work includes roles at Northwestern Mutual and various positions in education and retail before joining Vanguard in 2022. He is based in Malvern, PA. 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 and offers portfolios largely comprised of Vanguard funds and ETFs, with customizable options including ESG preferences and tax-aware features.

Jesse Valencia is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. Prior to joining Vanguard in 2022, he worked at TD Bank and held positions in education at Downingtown Area School District and Daniel Boone High School. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes proprietary models to develop personalized asset allocations. The firm manages a large client base through a combination of digital delivery and advisor teams, with portfolios constructed mainly from Vanguard funds and ETFs.

Kai Calabretta is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He previously worked as an Investment Solutions Representative at Fidelity Investments from 2021 to 2024. Prior to joining Fidelity, Kai was an Onboarding Specialist at The Vanguard Group in 2021 and served as a Licensing and Commissions Representative at Pacific Life from 2019 to 2020. Kai values clients' opinions and experiences to better understand their individual situations. His professional background includes experience in investment solutions, client onboarding, and licensing and commissions within the financial services industry. Outside of his professional work, Kai has interests in art, fitness, playing musical instruments, visiting museums, and snowboarding.