Sean Sivo is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has six years of experience at T. Rowe Price, following four years at AssuredPartners Benefit Advisors. He is based in Owings Mills, MD. 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 portfolios at the household level using model allocations invested exclusively in T. Rowe Price mutual funds and ETFs.

David Hodnett is a financial advisor at CWM, LLC with two years of experience in the industry. He previously worked for Brown Advisory for ten years and has held roles at Jacob William Advisory and UPD Consulting. Outside of advising, he serves as a board member for the Forest Hill Swim and Tennis Club and the University of Maryland Francis King Carey School of Law Alumni Association. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a nationwide network of over 600 advisors. The firm employs model portfolios managed by an in-house Investment Committee and utilizes a combination of fundamental and technical analysis, third-party sub-advisors, and customized tools, with a strong focus on retirement plan and institutional services.

Sydney Wingate is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 licenses and having two years of industry experience. Prior to joining T. Rowe Price, Wingate worked at Equitable Advisors and Ellin & Tucker. Outside of advising, Wingate is involved with The Blended Essentials, a makers space for candles, soaps, and bath products, where they serve as a bookkeeper and administrative assistant. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm uses a model-based approach with proprietary mutual funds and ETFs and provides planning tools alongside telephone access to advisors.

Tadao Okamoto is a CFP® with eight years of industry experience, currently advising at T. Rowe Price Advisory Services, Inc. He previously worked at Equity Services Inc and Sortino Financial Group. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, providing retirement-focused financial planning and discretionary investment management using proprietary mutual funds and ETFs. The program serves individual investors and households with assets typically above $250,000 and features tax-aware rebalancing and Monte Carlo-based retirement income projections.

Rene Bardel is a financial advisor with T. Rowe Price Advisory Services, Inc. and holds the Series 63 and Series 66 designations. He has eight years of industry experience and has been with T. Rowe Price since 2017. Outside of his advisory role, Bardel works as a bartender at Towson Tavern in Maryland. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary 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, with a planning approach that includes Monte Carlo simulations and tax-aware strategies.

Hunter Orem 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 Bank of America (Merrill Edge), Pen Air Credit Union, and Navy Federal Credit Union, among others. Outside of finance, he has experience in the restaurant industry, including Drift Modern Coastal Cuisine. T. Rowe Price Advisory Services offers the Retirement Advisory Service targeting individual investors and households focused on retirement goals. The program combines nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs, supported by an online planning tool and telephone access to advisors.

Keith Holmes is a CFP® with 34 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He has been with T. Rowe Price since 2017, including his current role at the advisory services division since 2026, and previously worked at LPL Financial. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management, primarily serving individual investors and households. The firm uses proprietary mutual funds and ETFs with a model allocation approach and employs tax-aware strategies and Monte Carlo simulations in its planning process.

Zachary Bachman is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 10 years of industry experience, all with T. Rowe Price since 2016. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households, using proprietary mutual funds and ETFs with a goals-based approach. The firm employs tax-aware strategies and interactive online tools to support retirement income planning.

William Groff IV is a financial advisor with Eagle Strategies (New York Life) and holds Series 63 and Series 65 licenses. He has 20 years of industry experience and has been with Eagle Strategies since 2015. Groff is also a board member of The Society of the Cincinnati of Maryland, a hereditary patriotic organization. Eagle Strategies serves a diverse clientele that includes individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis.

Danica Campbell is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with T. Rowe Price Investment Services since 2006. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, serving individual investors and households with a minimum asset requirement. The firm implements portfolios using proprietary model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and delivering financial plans and income projections through an interactive online tool.

Christopher Edwards is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and five years of industry experience. His work background includes roles at Fidelity Investments and Equitable Advisors, along with earlier positions outside the industry. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The service uses proprietary mutual funds and ETFs with a disciplined investment approach and provides financial plans and reviews through an interactive online platform.

Roger Young is a CFP® with 15 years of industry experience, currently advising at T. Rowe Price Advisory Services, Inc. since 2017. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he is a musician performing with a local rock band in Maryland. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model portfolio allocations and tax-aware strategies delivered through a combination of online tools and advisor support.

Joel Zapf is a CFP®-certified financial advisor with 18 years of industry experience, currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2019. His prior roles include positions at Ameriprise Financial Services and VZN Group Wealth Management. His outside activities include managing a single-family residential property in Baltimore, MD. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, combining nondiscretionary goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households primarily focused on retirement goals and employs tax-aware rebalancing and Monte Carlo simulations within an online planning platform.

Jared Taylor is a CFP® certificant with 19 years of industry experience, currently advising at T. Rowe Price Advisory Services, Inc. His prior roles include positions at Ameriprise Financial Services, Pruco Securities, The Prudential Insurance Company of America, Bank of America, and Merrill Lynch. T. Rowe Price Advisory Services offers the Retirement Advisory Service, which provides individual investors and households with goals-based financial planning, retirement income planning, and discretionary investment management focused on retirement objectives. The firm employs model portfolios invested exclusively in proprietary mutual funds and ETFs, uses tax-aware rebalancing, and delivers financial plans supported by Monte Carlo simulations.

Dustin French is a CFP® with 15 years of industry experience, currently affiliated with Empower Advisory Group. His prior roles include positions at Charles Schwab Bank, Charles Schwab, TD Ameritrade Investment Management, and Scottrade. Outside of his advisory work, he serves as a landlord for a rental property in Charlottesville, VA. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to certain retail clients. The firm uses an integrated service model aligned with Empower’s administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Stephen Mezzei is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 credentials and has 22 years of industry experience. He has been with T. Rowe Price Investment Services, Inc. since 2008. T. Rowe Price Advisory Services, Inc. offers retirement-focused advisory services 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 with minimum investable assets and uses model portfolios alongside an interactive online planning tool.

Adam Wlodarczyk is a financial advisor with Guardian Life and holds Series 65 and Series 63 licenses. He has three years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance. His prior work history also includes positions in accounting and technology firms. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with brokerage services, financial planning, retirement consulting, and investment advisory programs. The firm offers both discretionary and non-discretionary advisory services and utilizes proprietary and third-party investment models.

Michael Festa is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and 11 years of industry experience. He has worked at T. Rowe Price since 2020 and previously spent six years at Bank of America and Merrill. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management, primarily serving individual investors and households. The firm uses model portfolios invested in proprietary mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations for retirement planning.

Andre Newell is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and 10 years of industry experience. He has worked at T. Rowe Price since 2014 and previously spent three years at Uber. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management, primarily serving individual investors and households with significant investable assets. The firm uses model allocations invested exclusively in T. Rowe Price mutual funds and ETFs and incorporates tax-aware rebalancing and tactical allocation strategies.

Nathan Fuchs is a financial advisor at Empower Advisory Group with two years of industry experience and holds the Series 66 designation. Prior to joining Empower, he worked at T. Rowe Price for six years. He also has experience at AVI Foodsystems and Menchey Music Service, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms and focuses on long-term portfolio returns and clients' savings rates through point-in-time financial plans and optional managed account solutions.