Candice Elam is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, E*TRADE Securities LLC, and New York Life Insurance Company. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing proprietary mutual funds and ETFs with an emphasis on tax-aware strategies and model allocations tailored to client goals.

Ajaz Rahman is a CFP® with 21 years of industry experience, currently affiliated with T. Rowe Price Advisory Services, Inc. He previously worked at Brookstone Capital Management, Ameriprise Financial Services, Inc., and M&T Bank and M&T Securities. Outside his advisory role, he also engages in selling life insurance and annuities through J D Mellberg. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm uses model portfolios invested in proprietary mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations to support retirement income planning.

Richard Czypinski is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and having eight years of industry experience. He has been with T. Rowe Price since 2017. Outside of his advisory role, he serves as a sound technician for United Church, supporting various speaking and music-related events. 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 portfolio allocations exclusively in T. Rowe Price mutual funds and ETFs with a focus on tax-aware strategies and model-driven investment management.

David Asher is a financial advisor at Kestra Advisory with over 32 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 65 licenses. In addition to his advisory role, he owns Asher Financial Services, where he provides tax preparation and accounting services as a CPA and sells life, health, and long-term care insurance. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including very large investors such as sovereign wealth funds. The firm provides services including fiduciary consulting, plan design, compliance testing, and access to multiple management platforms and third-party solutions.

Kelly Somorin is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and bringing 21 years of industry experience. She has been with T. Rowe Price since 2014. T. Rowe Price Advisory Services, Inc. provides retirement-focused 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, supported by an online planning tool and telephone access to advisors.

Tiffany Eley is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 credentials and bringing two years of industry experience. Her prior work includes roles at the Automobile Club of Southern California and Bank of America. Outside of finance, she works as an independent contractor providing grocery shopping and delivery services through Instacart. T. Rowe Price Advisory Services offers a retirement advisory program focused on individual investors and households, combining nondiscretionary financial planning with discretionary investment management using proprietary mutual funds and ETFs. The firm employs model portfolios, tax-aware rebalancing, and interactive Monte Carlo simulations to support retirement goals.

Christopher Lashley is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and three years of industry experience. He has worked at T. Rowe Price since 2019 and has prior experience in education and other fields, including roles at Perry Hall Christian School, Harford Community College, and Towson University. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households and employs model portfolios with tax-aware strategies, providing online tools and telephone access to advisors.

Samuel Hulett is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining T. Rowe Price, he worked at United Rentals for three years and has held various roles including at Latitude Inc and the Hurricane Junior Golf Tour. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households using proprietary T. Rowe Price mutual funds and ETFs. Their program combines telephone access to advisors, online planning tools, and model portfolio allocations designed to support retirement goals.

Hyungwook Lee is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He has held previous roles at PNC, ENI, AXI Remodeling Inc., and Keller Williams. T. Rowe Price Advisory Services offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, typically requiring about $250,000 in investable assets to enroll.

Robert Skaare II is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63, 65, and 66 credentials and possessing 29 years of industry experience. He has been with T. Rowe Price since 2012. Outside of his advisory role, he works as a contractor and referee for the Southeastern Hockey Officials Association across MD, VA, PA, and DC. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, employing a model portfolio approach invested exclusively in proprietary T. Rowe Price mutual funds and ETFs, supported by an interactive online planning tool.

Hong Chiu is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. He holds Series 65 and 66 licenses and has worked at several firms including Sunnylending LLC, Transamerica Financial Advisors, Inc., and World Financial Group, Inc. prior to joining T. Rowe Price. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines goals-based planning with an online interactive tool and telephone access to advisors.

Steven Baden is a financial advisor with T. Rowe Price Advisory Services, Inc., holding the Series 66 credential and six years of industry experience. He has worked at T. Rowe Price since 2021, with prior roles at The Prudential Insurance Company of America and Pruco Securities LLC. Baden also spent five years at WoodWorks, part of the American Forest & Paper Association. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and interactive online tools.

Brent Andersen is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and 19 years of industry experience. He has been with T. Rowe Price Investment Services since 2010. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management using selected proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model portfolio allocations, tax-aware rebalancing, and online planning tools.

S. Paulina Nemec is a financial advisor with Eagle Strategies (NY Life) based in Woodstock, MD, holding Series 63 and Series 65 licenses with 29 years of industry experience. She has worked with New York Life Insurance Company and Nylife Securities Inc. since 2002. Outside of her advisory role, she volunteers at Gilchrist Hospice Care, participating in fundraising events and facility support. Eagle Strategies serves a diverse client base including individual investors and institutional plans, providing financial planning, investment management, and retirement advisory services. The firm offers multiple program types tailored to client and plan sponsor objectives, with most regulatory assets managed on a non-discretionary basis.

Gustav Jakowitsch III is a financial advisor at T. Rowe Price Advisory Services, Inc. with 12 years of industry experience. He holds a Series 66 designation and has been with T. Rowe Price since 2013. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service to individual investors and households focused on retirement goals, 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 uses an interactive online planning tool with Monte Carlo simulations for retirement projections.

James Carroll Jr. is a financial advisor with PNC Wealth Management in Westminster, MD, holding a Series 66 designation and nine years of industry experience. He has previously worked at Merrill and Bank of America, N.A. Carroll joined PNC Investments LLC in 2024. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only, employee pilot that uses algorithm-driven risk assessments to manage portfolios with mutual funds and ETFs.

Dana Mazzarella is a financial advisor at Kestra Advisory with eight years of industry experience. She holds Series 63 and Series 65 registrations and has been with Kestra Advisory since 2021. In addition to her advisory role, she works as an administrative assistant at Asher Financial Services, where she is involved in tax preparation and client support activities. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan-level investment advice, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base including large institutional investors and sovereign wealth funds.

Steven Collins is a financial advisor at Kestra Advisory with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Woodbury Financial Services Inc and Independent Financial Group. In addition to his advisory role, Collins sells term insurance and fixed annuities through Collins Capital Management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds.

Kara Shaffer is a CFP® professional with 14 years of industry experience. She is currently with Empower Advisory Group and Empower Financial Services, Inc., having previously worked at Personal Capital Advisors Corporation, Lincoln Financial Advisors, and Heritage Financial Consultants. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions tailored to long-term portfolio returns and client savings rates.

Phillip Korenman is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 23 years of industry experience, including 16 years at The Vanguard Group and time as an independent consultant. He serves on the Baltimore County Workplace Development Board, advising on workforce development initiatives. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households through a combination of goals-based planning, retirement income projections, and model portfolio management.