Ashley Childs is a financial advisor with T. Rowe Price Advisory Services, Inc. and holds Series 63 and Series 66 licenses. She has five years of industry experience, including five years at J.P. Morgan Securities and J.P. Morgan Chase Bank. T. Rowe Price Advisory Services offers the Retirement Advisory Service for individual investors and households focused on retirement goals, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs. The program features point-in-time financial plans, annual reviews, and uses model allocations with tax-aware rebalancing and Monte Carlo simulations for retirement income projections.

Seong Ho Kim is a financial advisor at Wealthspire Advisors with nine years of industry experience. He holds the Series 66 designation and has worked previously at Merrill Lynch and Bank of America. Kim has been with Wealthspire Advisors since 2019. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets for nearly 9,700 clients. The firm serves individuals, corporate and pension plans, nonprofits, and foundations, using an institutional-style asset allocation approach implemented through a diversified mix of investment vehicles and centralized oversight.

Christopher Virgili is a financial advisor at Cerity Partners LLC with a Series 65 credential and experience spanning several roles since 2016, including positions at Sol Capital Management Co. and Freedom Mortgage. He also worked in landscaping with Exleys Landscaping and was involved with Otters on the Green. Cerity Partners provides customized wealth management services to a diverse national client base, including individuals, families, trusts, business entities, and institutional investors, using a combination of proprietary quantitative methods and third-party managers to build tailored investment programs.

Grant Burchette is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds a Series 66 designation and has been with T. Rowe Price since 2022. His prior work includes roles at Towson University and Chick-fil-A. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily using proprietary T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households, providing model portfolio allocations and retirement income planning supported by online tools and advisor access.

Domenique Gibson is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and having three years of industry experience. Prior to joining T. Rowe Price in 2020, she worked at Target and Victoria's Secret. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing model portfolio allocations and tax-aware strategies supported by an online planning tool and access to financial advisors.

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.

Elchin Bagirov is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley, St. Johns Ebra Investments, and J.P. Morgan Securities. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm is notable for its combination of large institutional scale and specialized market roles, including in-house research and security pricing, as well as its capacity to provide bespoke discretionary solutions for very large relationships.

Patrick Callender is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has been in the industry since 2024. His prior experience includes roles at Northwestern Mutual and entrepreneurial ventures such as Clean Cuisine and Gourmet Again. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which provides nondiscretionary goals-based financial planning and discretionary investment management primarily for individual investors and households focused on retirement. The firm invests exclusively in T. Rowe Price mutual funds and ETFs, uses tax-aware strategies, and delivers financial plans and income projections through an online interactive tool.

William Newkirk is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and one year of industry experience. His prior work includes roles at Vanguard Marketing Corporation, The Vanguard Group, Inc., Transamerica, and Amazon, among others. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which offers retirement-focused financial planning, income planning, and discretionary investment management through a combination of advisor support and an online planning tool. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, utilizing tax-aware strategies and Monte Carlo simulations to develop and manage client retirement plans.

Kristian Albornoz is a CFP®-designated advisor with 13 years of industry experience. He is currently affiliated with Beacon Pointe Advisors, LLC and Beacon Pointe Insurance Services, LLC, where he has worked since 2024. Prior to this, he spent nine years with Keeney Financial Group, Inc. and Triad Advisors, Inc. He is also the owner of Kristian I Albornoz LLC, a holding company for equity interests. Beacon Pointe Advisors, LLC provides wealth advisory, consulting, financial planning, and outsourced chief investment officer services to a diverse client base, including individuals, corporations, and institutional clients. The firm employs a combination of asset-allocation modeling and third-party independent managers across multiple asset classes, offering both active and passive strategies along with comprehensive reporting and analytics.

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 63 and Series 66 designations. His prior work history includes roles at several companies, such as Red Wing Shoes and Harvest of Towson. T. Rowe Price Advisory Services provides retirement-focused financial planning and discretionary investment management to individual investors and households, employing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm emphasizes goals-based planning supported by an interactive online tool and typically serves clients with investable assets of around $250,000 or more.

Karl Stiegmann is a Certified Financial Planner® (CFP®) with nine years of industry experience, currently serving as a financial advisor at Wealthspire Advisors since 2017. Prior to joining Wealthspire, he worked at Virginia Tech from 2013 to 2017. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets, serving individuals, corporate and pension plans, nonprofits, and foundations. The firm employs an institutional-style asset allocation approach using a diversified mix of investment vehicles, with services tailored through client interviews and ongoing monitoring.

Chad Berman is a CFP® with 18 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. since 2010. He holds Series 63 and Series 65 licenses and is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management primarily to individual investors and households. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combining goals-based planning with tax-aware strategies and Monte Carlo simulations for retirement income projections.

Matthew Bacon is a CFP® professional with 14 years of experience in financial advisory. He currently works at MAI Capital Management, LLC and has held previous roles at Carmichael Hill & Associates, University Federal Credit Union, CUSO Financial Services, MSI Financial Services, and New England Securities. MAI Capital Management, LLC provides discretionary and non-discretionary investment management, integrated wealth management, retirement plan consulting, and family-office services to a diverse client base including high-net-worth individuals, families, institutional clients, and sports professionals. The firm employs a range of portfolio management strategies and serves as both product sponsor and adviser to mutual funds and private investment vehicles.

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.

Charles Bubeck is a financial advisor at Commonwealth Financial Network with eight years of industry experience. He holds the Series 66 designation and previously worked for the State of Maryland for five years. In addition to his advisory role, he is involved in fixed insurance sales. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages roughly $212.7 billion in client assets through a range of managed-account programs, third-party asset managers, and custody services.