Nicholas Diascro is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has been associated with Vanguard and its affiliated entities since 2008 and operates a small e-commerce business selling handmade items on Etsy. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to construct portfolios mainly comprised of Vanguard funds and ETFs.

Paul Clancy is a financial advisor at RBC Capital Markets with 26 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. He holds Series 63 and Series 65 designations. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs and tailors investment strategies to clients’ risk profiles using a combination of in-house and third-party managers.

Melissa Patton is a financial advisor at Vanguard Advisers with 21 years of industry experience. She holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Ameriprise. Outside of her financial advising career, Patton is also active as an actor and an author. 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 investment approach using proprietary models and primarily Vanguard funds, supporting a large client base through a combination of digital platforms and advisor teams.

John Brannon is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and totaling 11 years of industry experience. He has been with Vanguard Advisers since 2019 and also works with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2014. Outside of his advisory role, he serves as president of the West Chester East High School Indoor Track Boosters board. 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 investment approach using proprietary models and primarily Vanguard funds and ETFs, managing a large client base through its digital platform and team servicing model.

Kenneth Montgomery is a financial advisor with Merrill in Conshohocken, PA, holding Series 65, Series 63, and Series 66 licenses and 13 years of industry experience. His career includes roles at Bank of America, N.A., and Chilton Trust before joining Merrill in 2025. 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 individuals, high-net-worth clients, and institutions.

Christopher Bahr is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has been with Cambridge since 2025 and has prior experience working in venue management and facility services. Outside of his advisory role, he is associated with the Philadelphia Country Club. Cambridge Investment Research Advisors serves a diverse client base, including individual, pension, and charitable organization investors, offering services such as financial planning, investment management, and retirement-plan advisory through multiple platforms and proprietary model strategies.

Jake Szulinski is a CFP®-certified financial advisor with Edward Jones in Wayne, PA, where he has worked since 2016 and has 16 years of industry experience overall. He previously operated through multiple registered investment advisor entities and serves as president of the Picket Post STC club in Chesterbrook, PA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Daniel Rueckle is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has worked with various Vanguard entities since 2015. Mr. Rueckle also acts as a limited agent managing investment accounts for an immediate family member. Vanguard Advisers offers 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 a large client base through its digital platform and extensive advisor team.

Andrew Wood is a Financial Consultant at Fidelity Investments, a role he has held since 2024. In this position, he partners with clients to understand and outline their financial goals, working collaboratively to develop tailored plans that align with their specific situations. Before becoming a Financial Consultant, Andrew held several roles at Fidelity Investments, including Planning Consultant from 2023 to 2024, Workplace Planning Consultant III from 2021 to 2023, and Workplace Planning Associate in 2021. He holds a California Insurance License, which supports his work in financial planning and consulting. Andrew's experience at Fidelity reflects a continuous focus on financial planning and client support, leveraging the company's resources to assist clients in pursuing their definitions of financial success.

Andrew Moose is a CFP® with six years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His work history includes roles within multiple Vanguard entities since 2020, as well as positions at Randstad, Suraya, and other firms earlier in his career. Vanguard Advisers delivers 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 incorporating proprietary models and primarily invests through Vanguard funds and ETFs, offering various customization options and managing a high volume of client relationships through its digital platform.

Jonathan Oh is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has been with The Vanguard Group, Inc. since 2015 and previously worked at Syndicate Sports from 2017 to 2019. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Fred Horrocks is a financial advisor with Cambridge Investment Research Advisors in Collegeville, PA. He holds Series 63 and Series 65 licenses and has 32 years of industry experience. His prior work includes positions at International Assets Investment Management, MML Investors Services, MassMutual, and Signator Investors. Outside of his advisory role, he operates a sole proprietorship insurance agency providing life, disability, long-term care, and fixed annuities. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management and provides access to proprietary model strategies and third-party sub-advisors.

John Timko is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been employed by The Vanguard Group, Inc. since 2005 and also works as a football coach for the West Chester Area School District. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that integrates proprietary models and Vanguard funds to tailor asset allocations.

Timothy Cicala is a financial advisor with Equitable Advisors, holding a Series 66 designation and seven years of industry experience. He has worked at Equitable Advisors since 2019 and has prior experience at Axa Advisors. Outside of his advisory role, he serves as a board member for the Filitalia International Cosmi Chapter and is involved with the Union League of Philadelphia. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a variety of advisory programs and third-party asset managers, offering solutions that include mutual funds, ETFs, separately managed accounts, and select alternative investments.

David Schultz is a Series 66 licensed financial advisor with two years of industry experience, currently with Equitable Advisors. His prior roles include positions at Firstrust Financial Resources and Aflac. He also worked at Huntingdon Valley Country Club and Saint Joseph's University earlier in his career. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory solutions.

Gustavo Gutierrez is a financial advisor with Merrill, holding a Series 66 designation and 25 years of industry experience. He has worked at Merrill since 2013 and has been with Bank of America, N.A. since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Christopher Griffin Jr. is a Series 66-licensed financial advisor with four years of industry experience, currently serving at Vanguard Advisers. His prior experience includes roles at several State Farm agencies and Allstate, as well as positions in education at Montgomery County Community College and Cabrini University. Vanguard Advisers provides 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 models to personalize asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Adam Roberts is a financial advisor with UBS Financial Services in Radnor, PA, holding a Series 66 designation and 23 years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC for 13 years before joining UBS in 2022. Outside of his advisory role, he operates an Etsy-based business designing and selling collectibles. UBS Financial Services provides a range of brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management solutions. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients' goals and risk tolerances.

Thomas Brennan III is a financial advisor with Cetera, holding Series 63 and Series 65 credentials, and has 12 years of industry experience. His prior roles include positions at Northwestern Mutual and Voya Financial Advisors. He is also active as an independent insurance agent and serves as an associate agent involved in the sale of employee benefits and property casualty insurance. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party investment managers.

Benjamin Dillon is a financial advisor at Vanguard Advisers with five years of industry experience. He holds Series 63 and Series 66 licenses. Outside of his advisory role, Dillon works as a server at Manayunk Brewing Company in Philadelphia. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, supported by a large team serving hundreds of thousands of clients.