Matthew Burnell is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 registrations and bringing 28 years of industry experience. His career includes 11 years at Wells Fargo Securities and multiple roles at Guardian Life and Park Avenue Securities since 2020. Outside of his advisory work, he serves as Treasurer for Washington Men's Camerata, Inc. and Mastersingers USA, Incorporated, and is active in Master Networks. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, serves individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, retirement consulting, and advisory programs using both proprietary and third-party models.

Matthew Spratt is a Certified Financial Planner (CFP®) with 12 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2014. He holds a Series 66 designation and is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm’s approach includes goals-based planning, tax-aware portfolio management using proprietary T. Rowe Price mutual funds and ETFs, and employs Monte Carlo simulations for retirement income projections.

Patrick Farrell is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has 12 years of industry experience. Farrell has been with T. Rowe Price since 2011. 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, supported by an online planning tool and financial advisor access.

John Alberto is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has six years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company. T. Rowe Price Advisory Services provides 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 employs tax-aware strategies and offers interactive planning tools alongside telephone access to advisors.

Cora Ingrim is a financial advisor with United Planners' Financial Services of America, holding CFP® and CFA® designations and bringing 32 years of industry experience. She has been affiliated with United Planners and Keating Financial Services since 1999 and 2000 respectively, and is also an independent insurance agent since 1993. In addition to her advisory work, she is a co-owner of a beach rental property in Corolla, NC. United Planners serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates as both a registered investment adviser and broker-dealer, offering an open-architecture platform with multiple custodians and third-party money managers, and features a limited partnership ownership structure where financial professionals hold a majority interest.

Anthony Carleton is a CFP®-certified financial advisor with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD, with 10 years of industry experience. He has been with T. Rowe Price since 2015. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations to support retirement income planning.

Todd Olsen is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 credentials. He has professional experience at DCM Inc., Miliare Group, World Financial Group Insurance Agency, Volvo Group, and Komatsu Mining Corp. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers a range of advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with both discretionary and non-discretionary program options.

Yu Huang Lee is a CFA® charterholder and Series 63 licensee with four years of industry experience. He currently works at Transamerica Financial Advisors and has held prior roles at Full Arc Planning LLC, VW Credit Inc., World Financial Group, Inc., and Capital One Bank. Outside of his advisory duties, he is involved in sales of insurance and non-insurance products for companies affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with proprietary and third-party investment models.

Michael Steinhardt is a financial advisor with Kestra Advisory in Baltimore, MD, holding the ChFC® designation and Series 63 and 65 licenses. He has 38 years of industry experience and has been with Kestra Advisory since 2011. Steinhardt is also the owner and president of Clear Path Advisory and has authored a book. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and provides access to multiple management platforms and third-party managed solutions.

Gavin Gomsak is a financial advisor with Kestra Advisory, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Lincoln Financial Advisors, SFG Wealth Management, and LPL Financial. Outside of finance, he works as a CTE teacher in the public school system. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm serves large institutional investors, including sovereign wealth funds, and utilizes multiple management platforms and third-party solutions within a supervisory framework.

Grier May is currently a Branch Leader at Fidelity Investments, a role held since 2024. Prior to this, Grier served as Assistant Branch Leader at Fidelity Investments from 2022 to 2024 and as a Planning Consultant from 2020 to 2022. Grier's financial services career also includes positions such as Financial Advisor and Vice President - Investments at Chapin Davis Investments, and various roles at T. Rowe Price including Global Client Investment Reporting Specialist and Participant Service Center Specialist. Throughout this career, Grier has developed expertise in investment advising and branch leadership, focusing on coaching associates and fostering strong team relationships to support clients' financial goals. Outside of work, Grier has interests in fitness, movies, pets, reading, traveling, and volunteering.

Vytas Rivers is a CFP®-credentialed financial advisor at T. Rowe Price Advisory Services, Inc. with eight years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for six years and served with the U.S. Capitol Police for eight years before entering the financial sector. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining nondiscretionary financial planning with discretionary investment management using proprietary mutual funds and ETFs. The firm emphasizes retirement income planning supported by technology-driven simulations and typically serves clients with investable assets around $250,000.

Brian Muhitch is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds Series 63 and Series 66 credentials and has worked at T. Rowe Price in various capacities since 2017. Prior to joining T. Rowe Price, he was employed by Anne Arundel County Public Schools and Advance Window Technology. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households focused on retirement goals, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management supported by an online planning tool. The firm uses model-based portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware rebalancing and other strategies, with financial plans generated through Monte Carlo simulations.

Jennifer Schmalzer is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 registrations and three years of industry experience. She has worked at T. Rowe Price since 2018 and has prior experience with firms including Best Version Media, Murthy Law Firm, and Ocean City Brewing Company. T. Rowe Price Advisory Services, Inc. offers the T. Rowe Price Retirement Advisory Service, which provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households with around $250,000 in investable assets. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations to deliver financial plans and retirement income projections.

Michael Golden is a financial advisor at MAI Capital Management, LLC with seven years of industry experience. His career includes roles at Bank of America, Merrill, Court Place Advisors, and Brock FIS. He holds Series 63 and Series 66 licenses. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to individuals, families, institutional clients, and sports professionals. The firm offers a range of portfolio strategies and integrates financial planning and tax services for its clients, managing over $72 billion in assets as of mid-2026.

Anne Chambers is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. She holds the Series 66 designation and has been with T. Rowe Price since 2020. Her prior work experience includes roles at Santa Clara University and Art In Action. T. Rowe Price Advisory Services offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households and employs a goals-based approach supported by online tools and telephone access to advisors.

Daniel Little is a Certified Financial Planner® (CFP®) with 13 years of industry experience, currently working at T. Rowe Price Advisory Services, Inc. since 2011. He holds the Series 66 designation and is based in Owings Mills, Maryland. T. Rowe Price Advisory Services offers a retirement-focused advisory service to individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, using tax-aware strategies and Monte Carlo simulations to support financial planning.

John Bromhead is a financial advisor with Truist Advisory Services holding Series 63 and Series 66 credentials. He has been with Truist Advisory Services and Truist Investment Services since 2026. Prior to that, he was associated with Morgan Stanley for one year and has work experience including positions at American University and fitness centers. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and utilizes third-party platforms and AI-enabled research tools to support its investment approach.

Brian Krawiec is a CFP® and ChFC® with 18 years of industry experience. He is currently with Concurrent Investment Advisors, LLC and has previously worked at Raymond James Financial Services and Wike Financial, LLC. He also works as an independent contractor financial planner for Potomac Financial Group. Concurrent Investment Advisors, LLC is a multi-team SEC-registered firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other securities, supported by a network of approximately 286 advisors serving over 13,000 clients.

Phyllis Afriyie is a financial advisor at Citigroup Global Markets with 11 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of finance, she is the owner of Prime Textile Group LLC, a dry-cleaning business based in Rockville, MD. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with oversight committees and provides unique market roles including derivatives and futures services.