James Napier II is a financial advisor with Vanguard Advisers, holding a Series 66 designation and six years of industry experience. His career includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. He previously worked with Venio LLC dba Keane Unclaimed Property and was a self-employed contractor. Vanguard Advisers provides automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and focuses on portfolios constructed largely from Vanguard funds and ETFs.

Marc Lowenberg is a financial advisor with Mass Mutual Investors Services, holding CFP® and ChFC® designations and over 29 years of industry experience. He has previously worked at Royal Alliance Associates, Inc. and John Hancock Mutual Life Insurance Co., and owns a business buying and selling baseball cards. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, goal-based planning supported by firm-approved software and a variety of investment programs.

Brian Reynolds is a financial advisor with Vanguard Advisers in Malvern, PA. He holds Series 66 and Series 63 licenses and has four years of industry experience. Outside of his advisory role, he has worked in hospitality as service staff for Finley Catering since 2016. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily invests in Vanguard funds and ETFs, serving a large client base through its digital platform and extensive advisor team.

Gary Brogna is a financial advisor at Edelman Financial Engines with 21 years of industry experience. He holds the Series 66 designation and has worked with Financial Engines Advisors L.L.C. since 2018, following prior roles at Edelman Financial Services, LLC and EF Legacy Securities, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a range of workplace solutions, planner-led wealth management, and online advice, emphasizing diversified model portfolios, periodic rebalancing, and a long-term investment approach.

Julie Bickel is a CFP® professional with 29 years of industry experience, currently affiliated with LPL Financial. Her prior experience includes 15 years at Boenning & Scattergood, Inc., and eight years combined at Dearden, Maguire, Weaver & Barrett, LLC. 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 and brokerage services, including financial planning and access to various investment strategies, supported by extensive resources and technology tools.

Jared Pinter is a financial advisor at Raymond James Financial with one year of industry experience. He has prior work experience at DeSales University, Target Corporation, and Boyertown Area School District. He is associated with Birch Run Financial LLC in a non-investment role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Brant Murray is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, Citizens Bank, PNC Bank, and the Community College of Philadelphia. Outside of his financial career, he is involved with Garage Fishtown, a separate business venture. 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 strategies for a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Haring is a financial advisor with LPL Financial in Limerick, PA, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Edward Jones. Outside of finance, he is employed as a helper at Heidel Plumbing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, and institutional platforms, supported by technology tools and oversight of substantial discretionary assets.

Catherine Koresh is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2008. Outside of her advisory role, she is the owner of Oack LLC, an LLC she created with her husband. 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, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Brad Krajsa is a financial advisor with Ameriprise in Wyomissing, PA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its related entities since 2003. Krajsa owns and administers CSWMG, Inc., a business established to manage his Ameriprise practice administration and expenses. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional firm.

Thomas Laky is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with The Vanguard Group since 2012. Vanguard Advisers delivers automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and largely constructs portfolios from Vanguard funds and ETFs.

Constantine Nicopoulos is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and 11 years of industry experience. His prior roles include positions at Wells Fargo Clearing, TD Private Client Wealth LLC, and AssuredPartners Investment Advisors, LLC. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven investment approach utilizes proprietary models to personalize asset allocations, with portfolios primarily composed of Vanguard funds and ETFs.

Richard Mc Elwee is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 credentials and nine years of industry experience. His background includes roles at Vanguard Marketing Corporation and The Vanguard Group, as well as positions in education at the University of Phoenix and Delaware County Community College. He has also managed a sound recording business for over a decade. Vanguard Advisers offers both automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm utilizes a goal-based, algorithm-driven approach with proprietary models to construct personalized portfolios largely composed of Vanguard funds and ETFs.

Helena Estvanova is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following a prior role at Wells Fargo Bank, NA beginning in 2010. 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 manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Michael Presser Jr. is a CFP®-designated financial advisor at Vanguard Advisers with 17 years of industry experience. He has worked at The Vanguard Group since 2008. Outside of his advisory role, he serves as treasurer for the Woodland String Band, a volunteer position involving management of the organization's financial operations. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team servicing model.

Anthony Lubrano is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors. Outside of his advisory role, Lubrano serves as a trustee at The Pennsylvania State University. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a range of advisory programs and third-party asset managers to tailor solutions based on client risk tolerance and investment objectives.

John Kochel is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves as a member of the vestry at Augustus Lutheran Church, is an appointed member of the Trappe Borough Zoning Board, and is a partner in a family horse breeding and training business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based planning across a range of financial topics. The firm offers these services without discretionary trading authority and blends planning with managed accounts through a consolidated billing option called WealthPlan.

Lance Goldstein is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1999 and has built his career focusing on addressing the wealth management needs of individuals and families through personalized planning and advice. Lance is a founding member of The Brantz Goldstein Group and works with clients on managing new wealth, personal retirement planning, portfolio management, socially responsible investing, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc., the Chartered Retirement Planning Counselor™ designation, and the Personal Investment Advisor (PIA) designation. Lance earned his bachelor's degree from Washington University in St. Louis. His approach emphasizes evolving tailored wealth management strategies to achieve his clients' specific wealth and income goals, with a concentration on retirement planning services including income guidance and longevity planning. Outside of his professional role, Lance volunteers as a basketball coach with the Philadelphia Dragons Sports Association. He resides in the Queen Village neighborhood of Philadelphia with his wife and three children. They also spend time at their vacation home in the North Fork region of Long Island, New York.

Phillip Dupont is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with The Vanguard Group, Inc. since 1992. Vanguard Advisers offers 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 to develop personalized asset allocations, managing large client volumes through a combination of digital platforms and advisor teams.

Danielle Corey is a financial advisor with Vanguard Advisers based in Malvern, PA, holding Series 63 and Series 66 licenses and having 19 years of industry experience. She has been with The Vanguard Group since 2006. Additionally, she serves as co-trustee for an immediate family trust. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and eligible employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach to construct portfolios largely from Vanguard funds and ETFs, offering a high client-to-advisor ratio supported by a scalable digital platform.