Caitlyn O Connor is a financial advisor at T. Rowe Price Advisory Services, Inc., holding a Series 66 designation with two years of industry experience. Her prior work includes roles at Tekk Systems and positions during her time at the University of Tennessee, Knoxville. T. Rowe Price Advisory Services, Inc. offers a retirement advisory program focused on individual investors and households, combining financial planning, retirement income planning, and discretionary investment management primarily utilizing proprietary mutual funds and ETFs. The firm employs tax-aware strategies and online interactive tools to support client portfolios.

Andrew Milto is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 licenses and 11 years of industry experience. He previously worked at T. Rowe Price for 12 years before joining Janney Montgomery Scott in 2024. 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, estates, and institutional clients, offering a range of brokerage, financial planning, and advisory services supported by in-house portfolio management and third-party managers.

Barton George is a financial advisor with VALIC Financial Advisors, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has worked with VALIC Financial Advisors since 1998 and also serves as an agent with Agia, focusing on non-securities insurance products. 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 managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Michael Cheleuitte is a financial advisor at Truist Advisory Services with 17 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill for nine years. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Jermaine Wright is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds the Series 66 designation and previously worked at Bank of America, Merrill, RE/Max Solutions, and Coldwell Banker. T. Rowe Price Advisory Services, Inc. offers a retirement advisory service focused on individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs model allocations with tax-aware strategies and Monte Carlo simulation–based planning tools, delivering financial plans and ongoing account management for clients meeting minimum asset requirements.

Lindsay Theodore is a CFP® with 18 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. He joined T. Rowe Price in 2017 after five years with Fidelity Brokerage Services LLC. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining 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 through a structured online and telephone platform.

Daniel Kraft is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 credential and beginning his industry career in 2023. His prior work experience includes roles at Thrivent Investment Management Inc., Brothers Services, PJ Fitzpatrick, and several non-financial positions including teaching roles at Liberty High School and Oklahoma Road Middle School. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households focused on retirement. The firm manages portfolios using proprietary T. Rowe Price mutual funds and ETFs with a focus on asset location, tax-aware rebalancing, and tactical allocations.

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.

Mitchell Whiteman is a financial advisor at William Blair with 24 years of industry experience. He has been with William Blair since 2019 and previously worked at Brown Advisory Securities, LLC for 15 years. He holds Series 63 and Series 66 designations. William Blair’s Private Wealth Management division offers discretionary and non-discretionary investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients. The firm employs active, research-driven management strategies across various asset classes and provides clients access to proprietary models, third-party sub-managers, and private investment opportunities.

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.

Eric D'dio is a financial advisor at OSAIC Institutions, Inc. with 28 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has worked at Infinex Investments, Inc. since 2013. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating through a hybrid adviser/broker-dealer structure with a focus on both discretionary and non-discretionary account management.

Michael Hay is a financial advisor with Empower Advisory Group holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Charles Schwab and Co., Inc., Charles Schwab Bank, SSB, TD Ameritrade, Inc., and T. Rowe Price Investment Services, Inc. He is based in Catonsville, MD. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage account holders. The firm uses an integrated service model tied to Empower’s recordkeeping platforms and offers both point-in-time financial plans and optional managed account solutions.

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.

Jeffrey Caples is a CFA® charterholder with 24 years of industry experience. He is currently with Cerity Partners LLC, where he has worked since 2023, following a 13-year tenure at Maryland Capital Management, LLC. He holds a Series 63 license and is based in Towson, Maryland. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm provides a range of services such as investment management, financial planning, tax and insurance support, and retirement plan services, emphasizing diversified asset allocation and access to alternative and private-market investments.

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.

Sean Hull is a financial advisor with PNC Wealth Management in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with PNC since 2010. Outside of his advisory work, he serves as a men's college basketball referee on a part-time basis as an independent contractor. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm employs algorithmic risk assessment and uses mutual funds and ETFs managed by PNC or third parties, with portfolio implementation delegated to external managers.

Michael Mele is a CFA® charterholder based in Towson, MD, with three years of industry experience. He currently works at HB Wealth Management, LLC and previously held positions at WMS Partners, LLC, T. Rowe Price, and AstraZeneca. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers discretionary portfolio management aligned with client objectives and risk tolerance, combining quantitative and qualitative due diligence across a range of public and private investment strategies.