Curtis Gross is a CFA® charterholder with seven years of industry experience. He is currently with CWM, LLC and has prior experience at Carson Group and FAI Wealth Management. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm manages accounts on a discretionary basis using model portfolios, combining fundamental and technical analysis, third-party sub-advisors, and customization tools, with a focus on retirement plan and institutional services.

Catrice Keys is a financial advisor at T. Rowe Price Advisory Services, Inc. with Series 65 and Series 66 credentials and one year of industry experience. Prior to joining T. Rowe Price, she worked for Municipal Employees Credit Union for 12 years and took a sabbatical focused on obtaining education and skills. T. Rowe Price Advisory Services provides a retirement-focused advisory program for individual investors and households, combining financial planning, retirement income planning, and discretionary investment management primarily using proprietary T. Rowe Price mutual funds and ETFs. The firm emphasizes model allocations, tax-aware strategies, and offers plans and reviews supported by interactive online tools.

Hope Campbell is a CFP® with three years of industry experience, currently affiliated with CWM, LLC and Carson Wealth since 2023. Her prior roles include positions at FAI Wealth Management, Willcox & Savage, P.C., and the University of Virginia. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and combines fundamental and technical analysis with third-party sub-advisors and customization tools.

Charles Fuller is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the CFP® designation and has 22 years of industry experience, including prior roles at Charles Schwab, Merrill, and TD Ameritrade. Fuller 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. Its Retirement Advisory Service uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combining goals-based planning, tax-aware strategies, and Monte Carlo simulations for retirement income projections.

Nicholas Dawson is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 credentials and has eight years of industry experience. Prior to joining T. Rowe Price in 2018, he worked at Chesapeake Financial Advisors and Towson University. Outside of his advisory role, he has been employed at Chick-Fil-A since 2013. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, using asset-location and tax-aware rebalancing strategies, and provides financial plans and income projections through an interactive online tool.

Brittany Chittams is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. She has been with T. Rowe Price since 2016, holding several roles within the firm. 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 primarily using proprietary mutual funds and ETFs. The firm emphasizes tax-aware portfolio management and employs Monte Carlo simulations for retirement income projections, with a minimum asset requirement to enroll in their services.

Eduardo Solang is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has one year of industry experience and is also a physical therapist’s assistant at Coastal Care Physical Therapy Clinic. In addition to his financial advisory role, he serves as an assistant team leader in the U.S. Army Reserve. Transamerica Financial Advisors serves a broad client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with discretionary and non-discretionary management options.

Gavin Chasney is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Conrad's Crabs, Pica and Associates LLC, and the University of Maryland College Park. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households, using model portfolios invested exclusively in T. Rowe Price funds and ETFs. The firm combines goals-based planning with online tools and telephone access to advisors, serving clients with approximately $250,000 or more in investable assets.

Joseph Anyanwu is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He previously worked at Vanguard Advisers and Vanguard Marketing Corporation, as well as several financial institutions in Nigeria, including Applink Capital Nigeria Limited and Stanbic IBTC Bank. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management utilizing proprietary T. Rowe Price mutual funds and ETFs. The firm employs tax-aware rebalancing and tactical allocations, with planning supported by an interactive online tool and Monte Carlo simulations.

Blake Hall Taylor is a financial advisor at T. Rowe Price Advisory Services, Inc. with one year of industry experience. He holds the Series 66 designation. His prior roles include positions at Convergence Financial, LPL Financial, Ascension Agency, MML Investors Services LLC, and Mass Mutual Life Insurance Company. Outside of his advisory work, he is associated with LegacyHall LLC. 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, combining goals-based planning, tax-aware rebalancing, and Monte Carlo simulation tools.

Ronald Appler Sr. is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at H. Beck, Inc. for 14 years and Cbiz Financial Solutions, Inc. for two years before joining Independent Financial Group in 2017. Appler is the owner of a marketing DBA, Rocky Mountain High Financial Services, and serves as a safety arms instructor. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm utilizes a combination of firm- and third-party models for portfolio management and offers a range of financial planning and retirement services.

Eun Suk Ha is a CFP® professional with five years of industry experience, currently serving as a financial advisor at HB Wealth. Prior to joining HB Wealth, Ha worked at WMS Partners, CoreCap Investments, and Klauenberg Retirement Solutions. Outside of finance, Ha is involved in music production, creating and sharing original music online. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, and family offices. The firm also offers institutional advisory and outsourced chief investment officer services, managing portfolios with a blend of quantitative and qualitative analysis across a variety of public and private investment strategies.

Matthew Stuckey is a CFP® professional affiliated with T. Rowe Price Advisory Services, Inc. He has 15 years of industry experience and has worked at T. Rowe Price since 2019. His prior roles include positions at Northwestern Mutual Wealth Management Company, Jason Bell, and Northwestern Mutual Investment Management. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, which integrates nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households focused on retirement. The service employs model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, and features tax-aware rebalancing and Monte Carlo simulation–based financial plans delivered via an interactive online tool.

David Freeman is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and currently based in Owings Mills, MD. He has experience spanning several firms, including Pure Finance Group, Thrivent Financial, and Baltimore Community Lending, and has been with T. Rowe Price since 2026. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program for individual investors and households, combining financial planning, retirement income strategies, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs model allocations and tax-aware strategies to manage portfolios primarily designed for clients seeking structured retirement goals.

Zeyn Desai is a financial advisor with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked at T. Rowe Price since 2019 and previously spent six years with PNC Bank and PNC Investments. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management primarily for individual investors and households. Their approach combines nondiscretionary, goals-based planning with discretionary investment management using proprietary mutual funds and ETFs, supported by online tools and telephone access to advisors.

William Jones is a financial advisor at Independent Financial Partners with 21 years of industry experience. He holds a Series 66 designation and has worked at firms including Cypress Wealth Management, Commonwealth Financial Network, PNC Investments, and Ameriprise. He also spends a portion of his time in fixed insurance sales. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm supports a multi-advisor platform serving a broad client base and offers a decentralized advisory model with notable retirement-plan advisory and pension consulting capabilities.

Sean Kilcoyne is a CFP® professional with 17 years of experience in the financial industry. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2014, and previously worked at Valley Forge Asset Management, LLC. Outside of his advisory role, he participates as a stagehand with the International Alliance of Theatrical Stage Employees Local 10 in Baltimore. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining nondiscretionary financial planning and discretionary investment management, primarily serving individual investors and households. The firm invests portfolios exclusively in proprietary mutual funds and ETFs, employing strategies such as tax-aware rebalancing and Monte Carlo-based retirement projections.

Bryce Lanahan is a financial advisor at T. Rowe Price Advisory Services, Inc. with series 63 and 66 registrations. He joined T. Rowe Price in 2025 and has previously worked in various roles including positions at Kelly Benefits and Barley's Backyard. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service focused on individual investors and households with retirement goals. The firm combines goals-based financial planning, retirement income planning, and discretionary investment management using model portfolios invested in proprietary T. Rowe Price funds.

Philip Lo is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining T. Rowe Price, he held positions at Ejji Ramen, Amazon, Instill LLC, Cypriana, and Royal Farms. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households with at least $250,000 in investable assets. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, integrating tax-aware rebalancing and Monte Carlo simulation-based retirement projections.

Martin Kangah Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has two years of industry experience. His prior roles include positions at Kestra Investment Services, MML Investors Services, MassMutual Life Insurance, and Morgan Stanley. T. Rowe Price Advisory Services offers a retirement-focused investment program combining nondiscretionary goals-based planning, retirement income planning, and discretionary investment management. The service utilizes model portfolios composed exclusively of T. Rowe Price mutual funds and ETFs and features annual reviews supported by an interactive online planning tool.