Lajoi Thompkins is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and one year of industry experience. Prior to joining Valic, Thompkins has held positions in insurance, real estate sales, and healthcare, including roles at Agia and Century21. Outside of advisory work, Thompkins is licensed as an agent to sell non-securities insurance products and assists clients in the homebuying process. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm employs discretionary unified managed accounts and uses technology-driven model solutions to manage assets at scale.

Emily Herstein is a CFP® with 27 years of industry experience and is currently with T. Rowe Price Advisory Services, Inc. She has held roles at T. Rowe Price since 2019, with prior experience at M. S. HOWELLS & Co., Jemma Investment Advisors LLC, and Suntrust Advisory Services. 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. The firm uses model portfolio allocations invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware rebalancing and Monte Carlo simulations for financial planning.

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.

Patrick Callender is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds the Series 66 and Series 63 licenses and has one year of industry experience. His prior work includes roles at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Services LLC, as well as involvement with Clean Cuisine and Gourmet Again. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which provides goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households focused on retirement. The service employs proprietary T. Rowe Price mutual funds and ETFs and uses a model allocation approach with ongoing portfolio management and online planning tools.

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 credentials. Prior to joining T. Rowe Price, his work history includes roles at several firms and businesses across various industries. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management to individual investors and households. The firm implements portfolio allocations exclusively in T. Rowe Price mutual funds and ETFs, combining nondiscretionary goals-based planning with discretionary account management and online tools.

James Brown is a financial advisor with Valic Financial Advisors, holding Series 65 and Series 63 licenses and bringing 35 years of industry experience. His career includes seven years at Next Financial Group Inc and seven years at Sagepoint Financial, INC. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers wrap programs, portfolio management, and financial planning services through a large network of advisors, utilizing Envestnet’s platform for discretionary unified managed accounts and overlay services.

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.

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.

Michele Beernink is a financial advisor with Kestra Advisory in Towson, MD, holding a Series 65 credential and bringing 16 years of industry experience. Her career includes roles at Verdence Capital Advisors, Private Advisor Group, and LPL Financial. She also serves as Director of Private Wealth Services at Capital Financial Partners, LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm offers fiduciary consulting, plan design, and investment advice supported by due diligence, serving a diverse client base that includes large institutional investors and sovereign wealth funds.

Peter Delibro Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with T. Rowe Price Investment Services in various capacities since 2008. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management primarily to individual investors and households, utilizing proprietary mutual funds and ETFs. The firm provides goal-based planning supported by technology and employs tax-aware portfolio management within a structured retirement advisory program.

Frederic Bryant IV is a financial advisor with Janney Montgomery Scott in Towson, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Janney Montgomery Scott since 2002. Outside of his advisory role, he operates two farms as a sole proprietor. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage, financial planning, consulting, and multiple advisory programs.

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.

Andrew Chudy is a financial advisor at Cerity Partners LLC with 16 years of industry experience. He holds a Series 65 designation and previously worked at Maryland Capital Management for 13 years before joining Cerity Partners in 2023. Cerity Partners is an SEC-registered investment adviser serving individuals, families, trusts, corporations, and institutional investors with approximately $126.9 billion in client assets. The firm offers a range of services including investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolio management.

Christopher Clark Jr. is a Series 66-credentialed financial advisor with 10 years of industry experience, currently serving at VALIC Financial Advisors since 2016. He has held a role at AGIA since 2022. Clark is a board member of Jacob’s Well, Inc., a nonprofit organization in Baltimore City that provides housing and services for mentally challenged community members. VALIC Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer that serves primarily U.S. individuals, including high net worth clients and retirement participants. The firm offers portfolio management, financial planning, and unified managed account programs through a large network of advisors, using a centralized technology platform and model solutions.

Dorothy Sawyer is a financial advisor at T. Rowe Price Advisory Services, Inc. with 31 years of industry experience. She holds the Series 63 and Series 66 designations and has been with T. Rowe Price since 2011. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining goals-based financial planning, retirement income 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 rebalancing and Monte Carlo simulations to support planning and account management.

Robert Norman is a financial advisor with Empower Advisory Group based in Baltimore, MD. He holds a Series 66 designation and has six years of industry experience. His prior work includes roles at GWFS Equities, Advised Assets Group, Bank of America, Merrill, and Freedom Mortgage. Norman has also served with the Maryland State Athletic Commission since 2018. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and savings rates through integrated services connected to Empower’s recordkeeping and administrative platforms.

Thomas Brown is a financial advisor with Private Advisor Group, LLC who holds Series 63 and Series 65 licenses and has 42 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2012 and is also associated with Joseph Klein Associates, LLC, where he has worked since 1983. Brown provides financial planning and insurance consulting services as part of his advisory activities. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion for a diverse client base, including individuals, trusts, estates, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to various third-party asset management programs, utilizing multiple strategies and platforms to meet client objectives.

Gregory Speier Jr. is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and 15 years of industry experience. He has been with Valic Financial Advisors since 2010 and also has a role with Agia. Outside of his advisory work, he volunteers with the Greater Ashburn Young Life Committee and performs as a guitarist on an as-needed basis. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.