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.

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.

Stephen Kostyk is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Heffler, Radetich & Saitta and Lyneer Staffing Solutions, as well as operating his own business, Kostyk Auto Detailing, LLC, for three years. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized programs such as estate settlement and divorce planning.

Steven Douglas is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has previously worked with Avantax Advisory Services and 1st Global Advisors, among others. Douglas serves on the advisory board of the Exchange Club Center for the Prevention of Child Abuse in Chester County and operates an accounting practice under Kristy M. Douglas, CPA. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and consulting services, supporting discretionary and non-discretionary program structures across multiple custodial relationships.

John Braun is a financial advisor with Vanguard Advisers in Malvern, PA, holding Series 63 and Series 66 licenses and five years of industry experience. He is the owner of Performist Athletics, an e-commerce business specializing in clothing design. 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 proprietary methodologies to set personalized asset allocations, managing portfolios mainly through Vanguard funds and ETFs.

Nathan Smedley is a financial advisor with LPL Financial, holding a Series 66 designation and 21 years of industry experience. He has worked at LPL Financial since 2009 and previously spent four years at Merrill. In addition to his advisory work, he serves as a FINRA arbitrator and is an owner and managing partner of several car wash-related businesses. 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 and model portfolio programs, delivered through a large network of investment adviser representatives.

James Unger is a CFP® professional with 37 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. His prior roles include positions at Metlife Securities Inc., NewSquare Capital, LLC, and New England Securities. Outside of his advisory work, Unger is a musician who occasionally performs in a paid band and serves as a trustee for a coworker. Mass Mutual Investors Services 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 emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools.

Thomas Wagner is a financial advisor at OSAIC with one year of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including JPMorgan Chase Bank and J.P. Morgan Securities. Outside of finance, Wagner has been involved with Simply Bold Cafe. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supporting various strategies and third-party manager selections.

Ally Feinman is a financial advisor with RBC Capital Markets in Chadds Ford, PA, holding a Series 66 designation and 12 years of industry experience. She has been with RBC Wealth Management since 2014. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm provides a range of advisory programs with customized investment strategies implemented through in-house and third-party managers, supported by RBC’s capital-markets capabilities.

Roger Kent serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1994, bringing his extensive experience to multiple generations of clients nationwide. Before joining Merrill, he worked for four years at J.P. Morgan in its Private Banking Group. Roger provides comprehensive financial planning tailored to individual client needs, addressing retirement, wealth transfer, college savings, business succession, tax minimization, and liability management. He emphasizes establishing a strong financial foundation before examining investments, focusing on preparing clients for both likely and unlikely scenarios. His client base includes physicians, small business owners, retired couples, divorcees, and widows. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Roger earned a Bachelor's Degree in Business Administration with a concentration in Finance from Villanova University. He serves as a board member of the Villanova Blue White Scholarship Foundation and is actively involved in his community as a CYO Basketball Coach and president of Save Unborn Life. Born in Louisville, he resides in Chester Springs with his wife Melissa and their three children. Outside of work, Roger enjoys long distance running, playing basketball, and spending time with his family.