Stephens Morillo is a financial advisor with Vanguard Advisers, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., where he has been employed since 2017, along with prior experience at Mid Atlantic Resource Group and Financial Planning Academy. Vanguard Advisers offers 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 constructed from Vanguard funds and ETFs, with a focus on scalability and digital delivery.

Eli Cohen is a CFP® professional with 14 years of industry experience, currently working at Vanguard Advisers since 2019. His prior experience includes roles at Fisher Investments, BCG Securities, Haddon Planning Group, PNC Wealth Management, and VOYA Financial Advisors. Vanguard Advisers serves retail investors and employer-sponsored retirement plan participants through a combination of automated and human-supported investment advice, utilizing a goal-based, algorithm-driven approach that incorporates proprietary models and tax-aware portfolio features.

Brian Schaub is a CFP® with 27 years of industry experience. He has been with The Vanguard Group Inc. since 2002. He holds a Series 63 designation and is based in Malvern, PA. Vanguard Advisers provides both 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 to create personalized asset allocations and manages a large client base through its digital platform and team servicing model.

Oscar Mestre is a financial advisor at Mass Mutual Investors Services with 42 years of industry experience. He holds the ChFC® and Series 63 designations. His prior work includes roles at MetLife Securities Inc. and MassMutual Life Insurance Company. Mestre is also an insurance agent specializing in individual life, health, group life, group health, individual long-term care, and disability insurance. Mass Mutual 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, annual financial planning engagements using firm-approved analytical tools, along with programs such as wrap and money-manager options and educational seminars.

Charles Tilkens Jr. is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and five years of industry experience. He previously worked at The Vanguard Group, Inc. and Citadel Credit Union. Outside of his advisory role, he operates e-commerce businesses selling items on eBay and collectibles on Mercari. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors, offering a range of portfolio management and financial planning services across multiple program structures and investment strategies.

Zachary Molyneaux is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Merrill, and New England Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Meghan Gallagher is a financial advisor with Wells Fargo Advisors in Collegeville, PA, holding a Series 66 designation and having one year of industry experience. Her prior experience includes five years at Bank of America and three years at Chase. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Michael Williams is a financial advisor with LPL Financial in Exton, PA, holding a Series 63 designation and 40 years of industry experience. He has been with LPL Financial since 1997. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Patrick Farren serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2011. He has been with Fidelity since 2008, previously working as an Account Executive and Investment Representative. Prior to joining Fidelity, Patrick gained experience at The Vanguard Group from 2002 to 2008, where he held various positions including Financial Planner and Paraplanner. Throughout his career, Patrick has focused on helping clients and their families grow, protect, and distribute their wealth in alignment with their unique financial goals. He holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional work, Patrick enjoys spending time with his family and participating in golf and tennis.

Jason Kinney is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 2015. Vanguard Advisers offers 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 asset allocations, predominantly featuring Vanguard funds and ETFs.

Charles Moffitt III is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has previously worked at Wells Fargo Clearing and Morgan Stanley. Outside of his advisory role, he operates a small farming business, Moffitt Apples. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Dante Torrisi is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Fidelity Investments. His background also includes a position at DoorDash. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance, combining multi-asset model portfolios with access to affiliated discretionary separately managed accounts and alternative investments.

Sharon Huang Zhang is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and four years of industry experience. She has worked at Vanguard Advisers since 2025 and has also been employed with The Vanguard Group and Vanguard Marketing Corporation since 2021. Outside of financial advising, she works as a front desk agent at Home2 Suites By Hilton Convention Center. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized asset allocations primarily composed of Vanguard funds and ETFs.

Mark Christman is a CFP® with 14 years of industry experience and has been with The Vanguard Group, Inc. since 2009. He is based in Malvern, PA, and holds a Series 63 license. 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 investment approach and manages a large number of client relationships through its digital platform and extensive advisory team.

Daniel Pederson is a Series 65-licensed financial advisor with eight years of industry experience. He has been with Fisher Investments since 2018, following a year at Pederson Financial Consulting. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services to a broad client base.

Joseph Cecco is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 11 years of industry experience. Before joining Raymond James, he worked seven years at Wells Fargo Clearing. Outside of his advisory role, he is a commissioned notary. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses a tailored, non-discretionary approach with analytical tools to support client goals and offers specialized advisory programs such as municipal and SIMPLE IRA employer consulting services.

Jennifer Staudenmayer is a CFP® with 12 years of experience in the financial services industry, all of which she has spent at Edward Jones. She holds the Series 66 designation and is based in Limerick, PA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Mc Nally is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked at The Vanguard Group, Inc. since 2016 and previously was associated with the Philadelphia Cricket Club. 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 with portfolios constructed mainly from Vanguard funds and ETFs, combining scale with digital delivery to serve a large client base efficiently.

Claudia Wert is a financial advisor with Wells Fargo Advisors in Collegeville, PA, holding a Series 66 designation and eight years of industry experience. She previously worked at Wells Fargo Clearing for nine years before joining Wells Fargo Advisors in 2025. Wert serves as treasurer for Juventutem Lehigh Valley, a community organization in Allentown, PA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, supported by Wells Fargo research and planning tools.

James Toth is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of The Moran Toth Group in Wayne, PA. He has over a decade of experience in providing customized financial advice, specializing in multi-generational trust and estate planning, wealth structuring, tax planning, and investment advice for high net-worth individuals and fiduciaries. Prior to joining The Moran Toth Group, he served as a Trust and Estate Specialist at Merrill Lynch, overseeing estate planning and fiduciary services for a large network of advisors in the Mid-Atlantic division. Before his role at Merrill Lynch, James was the Director of Tax and Estate Planning at a Philadelphia-based Family Office, where he managed the delivery of estate and tax planning services. He holds a Bachelor of Arts degree from Dickinson College, a Juris Doctor from Ohio Northern University’s Pettit School of Law, and a Master of Laws (LL.M.) in Taxation from Temple University’s Beasley School of Law. James is a Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). James and his family reside in Wayne, PA. His personal interests include baseball, fishing, football, golfing, hiking, reading, running marathons, soccer, swimming, and spending time with his family.