Matthew Wells is a CFP® with 11 years of industry experience. He is currently an advisor at T. Rowe Price Advisory Services, Inc., where he has worked since 2024. Prior to joining T. Rowe Price, Wells held roles at Northwestern Mutual Investment Management and Keller Williams Realty Centre; he is a licensed real estate agent and may receive compensation for referring business. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining nondiscretionary financial planning and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing model portfolios with tax-aware strategies and offers online planning tools alongside telephone access to advisors.

Cecil Rockhill is a financial advisor at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He has been with T. Rowe Price since 2017 and previously worked at Merrill for one year. He holds the Series 66 designation. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service that combines goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm implements portfolios using proprietary T. Rowe Price funds and employs strategies such as tax-aware rebalancing and Monte Carlo simulations to generate retirement income projections.

Michael Bay is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and one year of industry experience. His prior work includes roles at Merrill and Year Up United. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement. The firm combines goals-based financial planning and discretionary investment management using proprietary mutual funds and ETFs, offering personalized retirement income planning supported by an online planning tool and telephone access to financial advisors.

Keith Brennan is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2013. He holds Series 63 and Series 66 licenses and is based in Owings Mills, MD. T. Rowe Price Advisory Services offers a retirement-focused advisory program 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, employing tax-aware strategies and model portfolio allocations tailored to client needs.

Sheila James is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and 25 years of industry experience. She has worked with T. Rowe Price and its affiliated entities since 2006. Outside of advising, she operates a travel consulting business, Cruises and Tours Unlimited, which she started in 1988. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm employs a goals-based approach using proprietary mutual funds and ETFs, with financial plans supported by Monte Carlo simulations and ongoing portfolio management.

Tatyana Bunich is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and over 32 years of industry experience. Her prior roles include positions at CL Wealth Management LLC and Cabot Lodge Securities. She is also the owner of Financial 1 Wealth Management Group and provides tax preparation and accounting services through Financial 1 Tax Inc. Additionally, she has authored a book published under the name Financial 1 Publishing. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs a combination of strategic asset allocation and multi-manager portfolios across various risk profiles, utilizing both active and passive investment strategies.

James Anderson is a financial advisor at T. Rowe Price Advisory Services, Inc. with Series 63 and Series 66 credentials. He has one year of industry experience, having previously worked at Citibank NA and Equinox Holdings, Inc. Outside the financial industry, his background includes roles in hospitality and operational positions, as well as work at several academic institutions. T. Rowe Price Advisory Services offers a retirement advisory service focused on individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management with access to online tools and a dedicated advisor. The firm invests exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and model-based allocations tailored to clients’ retirement needs.

Robert Smith is a financial advisor with Equity Services, Inc. in Glenwood, MD, holding the ChFC® and Series 63 designations and over 53 years of industry experience. He has been with Equity Services, Inc. since 1972. In addition to his advisory role, he operates as an insurance agent through Evolution Financial Group, selling life, health, disability, and long-term care insurance. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and combining long-term strategies with options for shorter-term trading and specialized instruments.

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.

William Fritz is a CFA® charterholder working with TIAA-CREF in Washington, DC. He has been with TIAA since 2014 and joined TIAA-CREF in 2025. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered retirement plans. The firm separates financial planning services from ongoing portfolio management and acts as adviser to a donor-advised fund, operating within a vertically integrated structure.

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.

David Frank is a Certified Financial Planner (CFP®) with 33 years of industry experience. He currently works at &PARTNERS, where he has been since 2024. Prior to that, he spent 12 years at Wells Fargo Advisors and Wells Fargo Clearing. &PARTNERS serves a diverse client base including high-net-worth individuals, institutions, retirement plans, and charitable organizations. The firm offers investment management, financial and tax planning, and fiduciary consulting, utilizing both proprietary and third-party strategies with ongoing monitoring and review.

Nicholas Wasielewski is a financial advisor with TIAA-CREF in Columbia, MD, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has been with TIAA-CREF since 2015. Outside of his advisory role, he serves as a non-compensated board member of the Angie Houtz Memorial Scholarship, a nonprofit that awards scholarships to students attending Maryland public colleges and universities. TIAA-CREF’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA employer retirement plans, as well as trusts, estates, and small retirement plans. The firm separates point-in-time planning from ongoing discretionary management and acts as adviser to a donor-advised fund while operating within a vertically integrated group that uses affiliated funds.

Tiffany Eley is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and two years of industry experience. Her prior work includes roles at Bank of America and the Automobile Club of Southern California. Outside of financial advising, she works as an independent contractor for Instacart, providing grocery shopping and delivery services. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, primarily using proprietary T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households, emphasizing retirement income planning supported by an online interactive planning tool.

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.

Shannon Hogan is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Hogan has worked with Truist Advisory Services since 2016 and with its affiliated firm, Truist Investment Services, Inc., since 2015. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, utilizing third-party platforms and AI-enabled research tools to support its manager selection and oversight processes.