Sydney Wingate is a financial advisor with T. Rowe Price Advisory Services, Inc. holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining T. Rowe Price, Wingate worked at Equitable Advisors and Ellin & Tucker. Outside of finance, Wingate contributes as a bookkeeper and administrative assistant for The Blended Essentials, a local makerspace focused on handcrafted products. T. Rowe Price Advisory Services provides retirement-focused financial planning and investment management to individual investors and households. The firm employs model portfolios exclusively invested in T. Rowe Price mutual funds and ETFs, combining goals-based planning with discretionary account management.

Tadao Okamoto is a CFP® with eight years of industry experience, currently advising at T. Rowe Price Advisory Services, Inc. He previously worked at Equity Services Inc and Sortino Financial Group. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, providing retirement-focused financial planning and discretionary investment management using proprietary mutual funds and ETFs. The program serves individual investors and households with assets typically above $250,000 and features tax-aware rebalancing and Monte Carlo-based retirement income projections.

Rene Bardel is a financial advisor with T. Rowe Price Advisory Services, Inc. and holds the Series 63 and Series 66 designations. He has eight years of industry experience and has been with T. Rowe Price since 2017. Outside of his advisory role, Bardel works as a bartender at Towson Tavern in Maryland. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial 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, with a planning approach that includes Monte Carlo simulations and tax-aware strategies.

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® with 34 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2017, following prior roles at LPL Financial and Morgan Stanley. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households, focusing on retirement goals through a combination of goals-based financial planning, retirement income planning, and discretionary investment management using selected T. Rowe Price mutual funds and ETFs. The firm employs strategies such as tax-aware rebalancing and Monte Carlo-based retirement income projections delivered via an interactive online platform.

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.

Vertti Iso Ahola is a financial advisor at Commonwealth Financial Network with 19 years of industry experience. He holds a Series 66 designation and has worked at Commonwealth since 2017, with prior roles at Ameriprise Financial Services and Cypress Wealth Management. He also engages in fixed insurance sales as a secondary business activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support while allowing advisors discretion in portfolio construction across a broad range of securities and insurance products.

William Groff IV is a financial advisor with Eagle Strategies (New York Life) and holds Series 63 and Series 65 licenses. He has 20 years of industry experience and has been with Eagle Strategies since 2015. Groff is also a board member of The Society of the Cincinnati of Maryland, a hereditary patriotic organization. Eagle Strategies serves a diverse clientele that includes individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis.

Adam Tobin is a CFP®-designated financial advisor with 13 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC and has held prior roles at LPL Financial, Raymond James Financial Services, and T. Rowe Price. Tobin is also a licensed notary in Maryland. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and referrals to managed account investment managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified, risk-class based investment approach blending passive and active strategies overseen by an internal Investment Committee.

Danica Campbell is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with T. Rowe Price Investment Services since 2006. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, serving individual investors and households with a minimum asset requirement. The firm implements portfolios using proprietary model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and delivering financial plans and income projections through an interactive online tool.

Christopher Edwards is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and five years of industry experience. His work background includes roles at Fidelity Investments and Equitable Advisors, along with earlier positions outside the industry. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The service uses proprietary mutual funds and ETFs with a disciplined investment approach and provides financial plans and reviews through an interactive online platform.

James Sweet is a CFP® with 12 years of industry experience, currently serving as a financial advisor at MAI Capital Management, LLC. His prior roles include positions at Court Place Advisors, LLC, TD Ameritrade, Inc., and T. Rowe Price. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to a diverse client base including high- and ultra-high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm offers customized portfolio management across various strategies and integrates financial planning and tax services into many client relationships.

Roger Young is a CFP®-designated financial advisor at T. Rowe Price Advisory Services, Inc. with 15 years of industry experience. He has worked at T. Rowe Price since 2017 and previously held a position at Wells Fargo Clearing. Outside of finance, he is a musician in a local Maryland rock band. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management primarily for individual investors and households. The firm employs a model-based approach investing exclusively in proprietary T. Rowe Price mutual funds and ETFs, combining nondiscretionary goal planning with discretionary account management.

Joel Zapf is a CFP®-certified financial advisor with 18 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. since 2019. His prior roles include positions at Ameriprise Financial Services and Spire Wealth Management. Outside of his advisory work, he is involved in non-investment related real estate ownership in Baltimore, MD. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors with significant assets. The firm implements model portfolios exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulation tools in its planning process.

Jared Taylor is a CFP® certificant with 19 years of industry experience, currently advising at T. Rowe Price Advisory Services, Inc. His prior roles include positions at Ameriprise Financial Services, Pruco Securities, The Prudential Insurance Company of America, Bank of America, and Merrill Lynch. T. Rowe Price Advisory Services offers the Retirement Advisory Service, which provides individual investors and households with goals-based financial planning, retirement income planning, and discretionary investment management focused on retirement objectives. The firm employs model portfolios invested exclusively in proprietary mutual funds and ETFs, uses tax-aware rebalancing, and delivers financial plans supported by Monte Carlo simulations.

Ya Meng is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked with organizations including United Health Care and Kaiser Permanente and is co-owner of Octisys LLC, a company focused on software development and IT consulting. Meng also serves as a college consultant with the Heartland Institute of Financial Education. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, utilizing a network of advisors and multiple program platforms that emphasize model portfolios and third-party managers. The firm supports individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses.

Michelle Barry is a Series 66-licensed financial advisor with 29 years of industry experience, currently with Transamerica Financial Advisors. Her career includes roles at Grove Point Investments, H. Beck, and Hornor Townsend and Kent. At Transamerica, she may also perform home office functions supporting other business units. Transamerica Financial Advisors serves a diverse client base including individuals, pension plans, trusts, and corporations. The firm offers a combination of advisory and broker-dealer services through proprietary and third-party investment models, supporting both discretionary and non-discretionary program options.

Jennine Lacroix is a Certified Financial Planner (CFP®) with 27 years of industry experience. She has been with Wealthspire Advisors in Annapolis, MD since 2002. Wealthspire Advisors serves a diverse client base including individuals, corporations, retirement plans, and nonprofit organizations. The firm offers customized wealth management, financial planning, and trustee services, using an institutional-style asset allocation approach and a mix of investment vehicles.

Dustin French is a CFP® professional with 15 years of industry experience, currently serving at Empower Advisory Group. His career includes roles at Charles Schwab Bank, Charles Schwab & Co., TD Ameritrade, Scottrade, and Wells Fargo Clearing. Outside of his advisory work, he manages a rental property in Charlottesville, VA. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm delivers integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates rather than short-term forecasts.

Kelly Nowottnick is a financial advisor at HB Wealth with five years of industry experience. She holds a Series 65 designation and previously worked at WMS Partners and PNC Bank. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm employs a combination of quantitative and qualitative due diligence across various public and private investment strategies and offers services including outsourced chief investment officer and institutional advisory solutions.