Rachael Deveau is a financial advisor at Greenspring Advisors, LLC with two years of industry experience. She holds a Series 66 designation and previously worked at Chapin Davis Investments and OrthoMaryland. Outside of her advisory roles, she has volunteered with the Chestnut Ridge Volunteer Fire Company. Greenspring Advisors provides investment advisory and financial planning services to individuals, trusts, estates, non-profit organizations, and employer-sponsored retirement plans. The firm uses fundamental, quantitative, and qualitative analysis with an asset-allocation focus and offers discretionary and non-discretionary portfolio management, comprehensive wealth planning, and retirement plan consulting.

Colin Rafferty is a financial advisor at Verdence Capital Advisors, LLC with six years of industry experience. His prior work includes roles at Wells Fargo Clearing and Robert Half International. Outside of finance, he works as an Uber Eats driver. Verdence Capital Advisors serves individual clients, businesses, pension and profit-sharing plans, trusts, estates, and independent advisers. The firm employs a combination of fundamental, technical, and cyclical analysis to manage portfolios across various investment vehicles and offers specialized services including family office support, sports and entertainment advisory, OCIO/sub-advisory solutions, and consulting.

Matthew Knudsen is a financial advisor at Greenspring Advisors, LLC with four years of industry experience. He previously worked at T. Rowe Price from 2022 to 2026 and has held positions at Bozzuto Group and Amazon. Greenspring Advisors provides investment advisory and financial planning services to individuals, trusts, estates, non-profit organizations, and employer-sponsored retirement plans. The firm’s investment approach combines fundamental, quantitative, and qualitative analysis with an asset-allocation focus, and it offers services including discretionary portfolio management, comprehensive wealth planning, and institutional retirement plan consulting.

Dale Foard is a financial advisor at Independence Square Holdings, LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at WPG Financial, United Planners' Financial Services of America, and CFG Capital Markets. Independence Square Holdings serves individuals, including high-net-worth clients, retirement plans, and institutional clients through financial planning, portfolio management, and pension consulting. The firm operates as a multi-team adviser with around 40 advisors and offers customized portfolios, model portfolios, and access to third-party managers and advisory programs.

Cameron Leydig is a Series 65-licensed advisor at Verdence Capital Advisors, LLC with three years of industry experience. His background includes roles in diverse sectors such as sports, hospitality, and education, including positions at the Baltimore Ravens and Stevenson University. Verdence Capital Advisors serves a broad client base including individuals, businesses, pension plans, and trusts, offering discretionary portfolio management and financial planning through specialized teams focused on family office services, sports and entertainment advisory, OCIO/sub‑advisory solutions, and standalone consulting. The firm combines fundamental, technical, and cyclical analysis to manage portfolios across various investment vehicles and provides OCIO services and research support to other registered advisers.

Fred Hill Jr. is a financial advisor at Harbor Investment Advisory, LLC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Harbor Investment Advisory since 2014. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm uses a combination of quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, offering both discretionary and non-discretionary investment programs.

Kevin Chandler is a financial advisor with T. Rowe Price Advisory Services, Inc. and holds Series 66 and Series 63 licenses. He has three years of industry experience and previously worked at Amazon and Securitas Security Services. Chandler is also the CEO of A & K Chandler LLC, a consulting business that assists small companies in acquiring Federal Government contracts. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management for individual investors and households, utilizing proprietary mutual funds and ETFs with a goals-based approach supported by an online planning tool.

Peter Sorensen is a financial advisor at HB Wealth with one year of industry experience. He holds a Series 65 designation and joined HB Wealth Management, LLC in 2025. His prior work includes positions at Bucknell University and various educational institutions. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers wealth management, investment management, financial planning, and outsourced chief investment officer services, employing a combination of quantitative and qualitative analysis across public and private investment strategies.

Scott Kelly is a financial advisor with Janney Montgomery Scott in Towson, MD, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. His prior roles include positions at Merrill and Chapin Davis, Inc. He has been with Janney Montgomery Scott since 2021. Janney Montgomery Scott LLC manages approximately $110 billion in client assets and serves a diverse client base including individuals, families, trusts, estates, and institutional clients. The firm offers a range of brokerage, financial planning, and advisory services utilizing both in-house and third-party portfolio management across multiple wrap and managed account programs.

Thomas Clark Jr. is a financial advisor at Creative Planning with 29 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Lockton Companies in various capacities from 2006 to 2021. Outside of his advisory role, he consults on software through a separate business, Benetic. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by direct indexing, tax-loss harvesting, and selective private market exposure.

Andrew Caples is a CFP® and Series 65-licensed advisor at Cerity Partners LLC with three years of industry experience. His prior work includes roles at United Capital Financial Advisors, LLC, and Goldman Sachs. Cerity Partners serves a wide range of clients, including individuals, families, trusts, estates, business entities, and institutional investors, managing approximately $166.2 billion in assets as of December 31, 2025. The firm offers customized wealth management services and employs a client-specific investment framework that integrates both proprietary quantitative methods and access to alternative and private market solutions.

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.

Matthew Rodgville is a Series 65 licensed financial advisor at Carson Wealth with one year of industry experience. His prior roles include positions at Jacob William Advisory and Assured Partners, as well as involvement with the Tulane University Athletic Department. CWM, LLC operates as an SEC-registered investment adviser managing approximately $50.6 billion through a network of over 650 advisors. The firm serves corporate, institutional, and high-net-worth clients, offering discretionary asset management, financial planning, and retirement plan services, supported by an Investment Committee that oversees model portfolios and tailored investment solutions.

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.

Mark Rau is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds the Series 66 designation and has been with TIAA-CREF since 2013. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and includes management of a donor-advised fund.

Donald Adam is a CFA® charterholder affiliated with TIAA-CREF in Baltimore, MD. He has been with TIAA since 2011 and with TIAA-CREF since 2025, holding a Series 63 license. Adam serves on the investment committee of Archbishop Curley High School, acting as a liaison between the school board and the endowment’s investment manager. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing relationships through TIAA-administered retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through model and customized portfolios.

Michael Steinhardt is a ChFC® credentialed financial advisor with 39 years of industry experience, currently practicing at Kestra Advisory. He has been with Kestra Advisory since 2011 and previously worked at Mass Mutual Investors Services. Outside of his advisory work, Steinhardt is the author of a book and serves as owner and president of Clear Path Advisory, where he provides consulting, insurance, and investment advisory services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a mix of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, employee education, and advisor-managed accounts, supporting its recommendations with due diligence on performance, fees, and investment processes.

Grant Palmer III is a financial advisor at Mariner with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mariner since 2026. Prior to this, he spent 15 years at Waypoint Wealth Management and has been a partner and shareholder at Callan & Palmer LLP, an accounting firm, since 1988, where he devotes part of his time to CPA practice. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, and coordinated tax services. The firm employs customized discretionary portfolios supported by in-house research and third-party managers, with notable integration of tax and accounting capabilities uncommon for a firm of its size.