Robert O'Connor Jr. is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at The Vanguard Group, Inc. since 2017. Prior to that, he was employed in mail services and held other roles at Bloomsburg University. Vanguard Advisers provides 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 uses a goal-based, algorithm-driven investment approach and manages portfolios primarily composed of Vanguard funds and ETFs, offering customization features including ESG options and tax-aware strategies.

Elama Ali is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to her current role, she worked at Aunt Molly's Discount Beverage and Aston Gardens. 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 range of clients including individuals, high-net-worth clients, and institutions.

David Dzendzel is a financial advisor at Ameriprise with 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory work, he engages in buying and selling sports trading cards as a hobby and small-scale business activity. Ameriprise Financial Services is a large diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written retirement income planning recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

John Clark is a financial advisor with Wells Fargo Advisors in Exton, PA, holding Series 63 and Series 65 licenses and 31 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Clark is also a member of the investment committee at Mercy Investment Services and owns Clark & Goshow Financial Strategies Group LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients through a broad range of planning options tailored to clients meeting certain net-worth criteria.

Michael Giangiordano is a financial advisor at Vanguard Advisers with Series 63 and Series 66 designations and eight years of industry experience. He has been with Vanguard Advisers since 2020 and has also held roles at Vanguard Marketing Corporation and The Vanguard Group since 2017. Vanguard Advisers provides automated and human-supported investment advice to retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models to tailor asset allocations. The firm manages a large client base through a combination of digital platforms and advisor teams, focusing on retail and plan participant markets.

Andrew Kaplan is a financial advisor at Raymond James & Associates with 20 years of industry experience. He holds a Series 66 designation and has been with Raymond James in various capacities since 2016. Outside of his advisory role, Kaplan serves as a trustee and successor trustee for a family-related trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Conor Ryan is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has a background spanning multiple roles within The Vanguard Group and its affiliates since 2012, including positions at Vanguard Marketing Corporation and prior engagement with the University of Pennsylvania. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and eligible retirement plan participants, employing a goal-based, algorithm-driven investment approach centered on proprietary methodologies and portfolios primarily composed of Vanguard funds and ETFs.

Thomas Graybill is a CFP® and ChFC® with 34 years of industry experience. He has been with Ameriprise since 2005, currently serving at the Exton, PA office. Outside of his advisory role, he serves on the Board of Directors and as Secretary for the Exton Commons Owners Association. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

Timothy Hewczuk is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has been associated with The Vanguard Group and Vanguard Marketing Corporation since 2016. 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 to create personalized asset allocations, largely with Vanguard funds and ETFs.

Tyler Warihay is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at The Vanguard Group for six years. Tyler is currently based in Exton, PA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it serves multiple registered investment companies and fund-of-funds.

Paul Vento is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 license, with 17 years of industry experience. His prior experience includes roles at MetLife Securities Inc. and MassMutual Life Insurance Co. He is also the owner of a consulting LLC that manages business expenses. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars.

Cole Vanderwerf is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. In addition to his advisory role, he is licensed as an insurance agent for individual life insurance sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative annual planning processes.

Kevin Oneill is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 33 years of industry experience, including roles at MassMutual Life Insurance Company and MetLife Securities. Outside of advising, he owns Bittersweet Investors LLC and works as an insurance agent specializing in individual life, health, and group insurance products. MassMutual 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, goal-oriented client relationships.

Alexandria Puia is a financial advisor with Vanguard Advisers and holds a Series 66 designation. She has been with Vanguard since 2025 and has prior experience at Wells Fargo and EPAM. Outside of her advisory work, she has worked as a babysitter since 2019. 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 along with tax-aware features and customization options.

Tracy Ignatieff is a Series 66-registered financial advisor with Edward Jones in Wilmington, DE, and has two years of industry experience. She has been with Edward Jones since 2010. Outside of advising, she occasionally provides offsite catering services for Cafe Riviera. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm supports a nationwide network of over 23,000 financial advisors and manages approximately $1.01 trillion in assets under management.

Benjamin Bauer is a financial advisor with MassMutual Investors Services in Newtown Square, PA, holding Series 63 and Series 65 licenses with five years of industry experience. Prior to joining MassMutual in 2021, he worked with Method Hockey and the Roanoke Rail Yard Dawgs. Outside of his advisory role, Bauer coaches youth hockey for the Team Philadelphia Youth Hockey Club. MassMutual Investors Services, a subsidiary of MassMutual, provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved tools and collaborative annual planning engagements.

Josie Chen is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Bank of America, N.A. since 2016, including her current role at Merrill starting in 2019. 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 investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party management teams.

Jonathan Jaraiedi is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has 20 years of industry experience, including prior roles at MetLife Securities Inc. and MassMutual Life Insurance Company. In addition to his advisory work, he is also an insurance agent handling individual life, property/casualty, health, group life, and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning without discretionary investment authority.

Dennis Lam is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and five years of industry experience. His prior work includes roles at Men’s Wearhouse and Brooks Brothers. He is currently a sales associate at Brooks Brothers outside of his advisory work. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans through its digital and personal advisor services. The firm employs a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, serving a large client base with a high client-per-advisor ratio.

Mark Kirsch is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2015 to 2017. Outside of his advisory role, Kirsch is a partner in Innovative Planners, LLC, a business management entity handling shared expenses and insurance commissions. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved software and collaborative annual planning relationships.