Emily Herstein is a CFP® professional with 28 years of industry experience, currently with T. Rowe Price Advisory Services, Inc. She has held various advisory roles including positions at M&T Securities, SunTrust Investment Services, and Jemma Investment Advisors. Herstein has been with T. Rowe Price since 2019. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. Their approach combines goals-based planning, retirement income strategies, and model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, utilizing tax-aware rebalancing and asset-location techniques.

Ahmadou Dambo is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years at the firm and a total of one year of industry experience. He holds the Series 63 and Series 66 credentials. Prior to his current role, he worked at the University of Maryland Medical Center and The Grill At The Harryman House. T. Rowe Price Advisory Services offers the Retirement Advisory Service, which provides individual investors and households with nondiscretionary financial planning and discretionary investment management focused on retirement goals. The firm employs model portfolios invested solely in proprietary T. Rowe Price mutual funds and ETFs, incorporating tax-aware strategies and Monte Carlo simulations for retirement income planning.

Patrick Callender is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds Series 66 and Series 63 designations and has experience at several firms, including Northwestern Mutual and Tom James. Outside of financial services, he was involved with Clean Cuisine and Gourmet Again. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily with proprietary mutual funds and ETFs. The firm serves individual investors and households, combining goal-based financial plans with ongoing portfolio management and utilizing tax-aware strategies.

William Newkirk is a financial advisor at T. Rowe Price Advisory Services, Inc. with one year of industry experience. He holds Series 66 and Series 63 licenses. His prior work includes roles at Vanguard Marketing Corporation, The Vanguard Group, Transamerica, TAG Resources LLC, and the City of Philadelphia. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and investment management primarily for individual investors and households. The firm utilizes model portfolios invested in proprietary mutual funds and ETFs, combining nondiscretionary planning with discretionary account management and an online planning platform.

Jeremy Reynolds is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has one year of industry experience. Prior to joining T. Rowe Price, he worked at Morgan Stanley and has a background in music and arts as well as teaching at Towson University and Winters Mill High School. T. Rowe Price Advisory Services, Inc. offers a retirement advisory program focused on individual investors and households, combining goals-based financial planning and discretionary investment management with access to financial advisors. The firm manages portfolios exclusively in T. Rowe Price mutual funds and ETFs, using tax-aware strategies and Monte Carlo simulations for retirement income planning.

Isabella Marrero is a financial advisor at T. Rowe Price Advisory Services, Inc. She holds the Series 66 designation and has been with T. Rowe Price since 2026. Prior to joining the firm, she gained experience in education and retail sectors, including roles at Universitat Autonoma de Barcelona, Playa Bowls, and University of Maryland. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, delivering financial plans and account management with an emphasis on tax-aware strategies and model allocations.

John Buscemi is a financial advisor at T. Rowe Price Advisory Services, Inc. with one year of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles prior to joining T. Rowe Price, including positions at B & J Sweeping, Chesacanna, and Red Wing Shoes. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program for individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs asset-location strategies, tax-aware rebalancing, and Monte Carlo-based retirement projections, serving clients primarily through a model portfolio approach.

Chad Berman is a Certified Financial Planner (CFP®) with 18 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2026 and previously was employed from 2010 to 2026. Before that, he worked at Wells Fargo Clearing from 2008 to 2010. T. Rowe Price Advisory Services, Inc. offers a retirement advisory program focused on individual investors and households. The service combines nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs, supported by an online planning tool and direct access to financial advisors.

Steven Homans is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and five years of industry experience. His prior roles include positions at the University of Maryland Global Campus and Ashley Addiction Treatment. T. Rowe Price Advisory Services offers retirement-focused financial planning and investment management to individual investors and households, utilizing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines nondiscretionary planning with discretionary account management and emphasizes tax-aware strategies and Monte Carlo simulations in its retirement income projections.

Kelley Coates Carter is a Certified Financial Planner (CFP®) with 10 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2016. She holds Series 63 and Series 66 licenses and works out of Owings Mills, Maryland. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program that combines goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm uses model portfolios invested exclusively in proprietary T. Rowe Price mutual funds and ETFs, applying tax-aware strategies and delivering financial plans and reviews through an online platform with advisor support.

Anthony Lippis is a financial advisor at Hornor, Townsend & Kent, LLC with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Penn Mutual Life Insurance Company and LPL Financial. He also assists with multi-line insurance sales and service for multiple carriers through his insurance brokerage activities. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm combines SEC-registered advisory services and FINRA broker-dealer capabilities, working with both discretionary and non-discretionary accounts and managing billions in assets under management.

Jermaine Wright is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds the Series 66 designation and previously worked at Bank of America, Merrill, RE/Max Solutions, and Coldwell Banker. T. Rowe Price Advisory Services, Inc. offers a retirement advisory service focused on individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs model allocations with tax-aware strategies and Monte Carlo simulation–based planning tools, delivering financial plans and ongoing account management for clients meeting minimum asset requirements.

Lindsay Theodore is a CFP® certificant with 19 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2017. Prior to this, Theodore worked at Fidelity Brokerage Services LLC and previously at T. Rowe Price Advisory Services, Inc. from 2010 to 2012. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining goals-based financial planning, retirement income planning, and discretionary investment management, primarily for individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware rebalancing and tactical allocations, and delivers planning through an online interactive tool alongside ongoing reviews.

Daniel Kraft is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 credential and beginning his industry career in 2023. His prior work experience includes roles at Thrivent Investment Management Inc., Brothers Services, PJ Fitzpatrick, and several non-financial positions including teaching roles at Liberty High School and Oklahoma Road Middle School. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households focused on retirement. The firm manages portfolios using proprietary T. Rowe Price mutual funds and ETFs with a focus on asset location, tax-aware rebalancing, and tactical allocations.

Sean Sivo is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has six years of experience at T. Rowe Price, following four years at AssuredPartners Benefit Advisors. He is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households, implementing portfolios at the household level using model allocations invested exclusively in T. Rowe Price mutual funds and ETFs.

Sydney Wingate is a financial advisor with T. Rowe Price Advisory Services, Inc. holding Series 63 and Series 66 designations and two years of industry experience. Prior to joining T. Rowe Price in 2024, Wingate worked at Equitable Advisors and Ellin & Tucker. Outside of finance, Wingate is involved with The Blended Essentials, a makers space for crafts such as candles and soaps, serving as a bookkeeper and administrative assistant. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines goals-based planning with an online tool and telephone access to advisors, serving clients generally with $250,000 or more in investable assets.

Rene Bardel is a financial advisor at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He holds Series 63 and Series 66 licenses and has been with T. Rowe Price since 2017. Outside of his advisory role, Bardel works as a bartender at Towson Tavern in Towson, MD. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm utilizes proprietary T. Rowe Price mutual funds and ETFs along with tax-aware strategies and Monte Carlo simulations to support client retirement goals.

Hunter Orem is a financial advisor at T. Rowe Price Advisory Services, Inc. with one year of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America (Merrill Edge), Pen Air Credit Union, Navy Federal Credit Union, and the University of West Florida. Outside of finance, he has worked in the restaurant industry, including at Drift Modern Coastal Cuisine. T. Rowe Price Advisory Services provides retirement-focused financial planning and investment management to individual investors and households, using proprietary mutual funds and ETFs. Their approach includes nondiscretionary goals-based planning, discretionary account management, and tax-aware portfolio strategies delivered through an online planning platform and financial advisor support.

Keith Holmes is a CFP® professional with 34 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He has worked with T. Rowe Price since 2017, following prior roles at LPL Financial and Morgan Stanley. T. Rowe Price Advisory Services provides retirement-focused financial planning and investment management primarily to individual investors and households. The firm combines goals-based planning with discretionary portfolio management using proprietary mutual funds and ETFs, supported by an online planning platform and personalized advisor access.

Zachary Bachman is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 10 years of industry experience, all with T. Rowe Price since 2016. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households, using proprietary mutual funds and ETFs with a goals-based approach. The firm employs tax-aware strategies and interactive online tools to support retirement income planning.