Karen Brelsford is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Independent Financial Group, LLC. Her prior experience includes roles at CIC Wealth and Commonwealth Financial Network. Outside of advising, she owns JK Associates, LLC, a tax preparation and accounting firm, and volunteers at Bethany United Methodist Church. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser offering brokerage, portfolio management, financial planning, and retirement plan services. The firm serves individuals, charities, corporations, and plan sponsors through a national network of Investment Adviser Representatives and provides a range of advisory programs utilizing multiple platforms and third-party managers.

Kathy Morris is a financial advisor with Empower Advisory Group in Severn, MD. She holds Series 66 and Series 63 licenses and has 17 years of industry experience. Prior to joining Empower Financial Services, Inc., she worked for MissionSquare Retirement (formerly ICMA Retirement Corporation) for 18 years. 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 certain retail brokerage account holders. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Sean Kilcoyne is a CFP® professional with 17 years of experience in the financial services industry. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2014. Outside of his advisory role, Kilcoyne is involved with the International Alliance of Theatrical Stage Employees Local 10 as a stagehand. 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. The firm employs model portfolios with tax-aware rebalancing and Monte Carlo simulations through an online tool, serving clients generally with at least $250,000 in investable assets.

Jason Weszka is a financial advisor with Commonwealth Financial Network based in Columbia, MD, holding Series 65 and Series 63 credentials and bringing 13 years of industry experience. He has been affiliated with Commonwealth and Vision Wealth Partners, LLC since 2016 and previously worked at MML Investors Services. Weszka is a part-owner of VFG Consulting, LLC, which facilitates insurance business and commission arrangements. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Philip Lo is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining T. Rowe Price, he held positions at Ejji Ramen, Amazon, Instill LLC, Cypriana, and Royal Farms. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households with at least $250,000 in investable assets. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, integrating tax-aware rebalancing and Monte Carlo simulation-based retirement projections.

Martin Kangah Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has two years of industry experience. His prior roles include positions at Kestra Investment Services, MML Investors Services, MassMutual Life Insurance, and Morgan Stanley. T. Rowe Price Advisory Services offers a retirement-focused investment program combining nondiscretionary goals-based planning, retirement income planning, and discretionary investment management. The service utilizes model portfolios composed exclusively of T. Rowe Price mutual funds and ETFs and features annual reviews supported by an interactive online planning tool.

Sam Rice is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and three years of industry experience. Prior to his current role, he has held positions at Waverly Golf Club, Wagener Lee LLC, and Towson University. Outside of his advisory work, he serves as a consultant and liquidity partner for Birdland Ventures LLC, a real estate development firm. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management primarily to individual investors and households. The firm uses a goals-based approach combined with discretionary portfolio management invested exclusively in T. Rowe Price mutual funds and ETFs.

Jade Chang is a financial advisor with Transamerica Financial Advisors who holds a Series 66 designation and has six years of industry experience. Prior to joining Transamerica in 2020, Jade has been involved with Dynasty Inc. / DBA JC Pros since 2010, serving as a director in a transportation-related business. Outside of advisory work, Jade is also engaged in health insurance sales for Kaiser Permanente. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, and charitable organizations. The firm utilizes model portfolios and third-party managers across multiple platforms, offering integrated retirement plan solutions and affiliated product distribution.

Louis Bosse IV is a financial advisor at Eagle Strategies (NY Life) with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Alpha Solutions Group and Voluntary Benefits System, Ltd. He is based in Ellicott City, MD. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm offers multiple program types and emphasizes tailored recommendations, with the majority of its assets under management held on a non-discretionary basis.

Edward Vonlange is a CFP® professional with 37 years of industry experience, currently serving as an advisor at Wealthspire Advisors since 2018. His previous roles include positions at Commonwealth Financial Network, Foundation Financial Advisors Inc., and The Advisors, Inc., where he has worked since 1998. Wealthspire Advisors serves a diverse client base including individuals, corporations, retirement plans, and nonprofit organizations, providing wealth management, financial planning, and trust-administration services. The firm employs a relationship-driven, customized investment process with an emphasis on diversified, institutional-style asset allocation across various asset classes.

Zachary Rutsch is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has been with T. Rowe Price since 2026. His prior experience includes roles at LandCare, Attaboy Brewing, and Stevenson University. Outside of finance, he is involved with Dreamland Christmas Tree Farm LLC and Attaboy Brewing. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The service uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combined with an online planning tool and telephone access to advisors.

David Kasten is a CFP® professional with 21 years of industry experience, currently serving at MAI Capital Management, LLC. He has worked at Lowe Wealth Advisors, LLC for 15 years. MAI Capital Management provides discretionary and non-discretionary investment management, integrated wealth management, retirement plan consulting, and family-office services to individuals, families, sports professionals, trusts, and institutional clients. The firm manages a broad range of strategies across equity, fixed income, ETFs, and private investments, and offers both advisory and product-sponsor roles including investment advisory for a registered mutual fund and management of private funds.

Wei Wang is a financial advisor with Transamerica Financial Advisors in Gaithersburg, MD, holding Series 63 and Series 65 licenses and seven years of industry experience. Wei has worked in various roles related to health and travel insurance, including independent agent positions with multiple firms and involvement in Medicare and health insurance plan enrollment. Outside of advising, Wei is active as a partner providing training and operational support to health insurance agents at Care Rise Union. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, and corporations. The firm offers both advisory and broker-dealer services, utilizing a mix of proprietary and third-party model portfolios with discretionary and non-discretionary program options.

David Arnold is a CFP® and ChFC® with 19 years of experience in the financial services industry. He has worked at United Planners' Financial Services of America since 2019 and previously held roles at Nationwide Securities, LLC and the Alan Rubin Agency. Arnold also owns Arnold Financial Services, a marketing and corporate entity, and is licensed as a non-variable insurance agent. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform using multiple custodians and third-party money managers.

Andrew Tarantula is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. He has worked at T. Rowe Price since 2019 and previously held positions at The Baltimore Country Club, Towson University, and Atlantic Coast Athletic Club. He holds a Series 66 designation. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service that combines financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs and uses tax-aware strategies along with Monte Carlo simulations for retirement income projections.

Daniel Avnaim is a financial advisor with Kestra Advisory Services, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Kestra Investment Services and involvement with the Associated Students at San Diego State University. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm manages approximately $79.8 billion in assets and serves clients that include large institutional investors and sovereign wealth funds.

William Spruill is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 66 credentials and 15 years of industry experience. His work history includes roles at Colonial Life, Transamerica Financial Advisors, HD Vest Investment Services, and Wfgia. Outside of his advisory work, he also works as a rideshare driver for Uber. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, and charitable organizations. The firm employs a model portfolio approach with third-party managers and platform sub-advisors, supporting service delivery through multiple program platforms such as Transamerica ONE, TFA365 Advisory Program, and Transamerica ALPHA.

Moises Reyes Campos Jr. is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has two years of industry experience. Prior to his current role, he has worked in various positions including at Aldi USA and in education at the University of Maryland Robert H. Smith School of Business and two high schools. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses proprietary T. Rowe Price mutual funds and ETFs within model allocations, supported by an online planning tool and financial advisor access.

Shawn Kalendek is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. He holds the Series 66 designation and has worked at T. Rowe Price since 2020, including his current role since 2026. Prior to that, he held positions at Mariner Finance and Towson University and was involved with The All American Steakhouse and Sports Theater. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and investment management to individual investors and households. The firm manages portfolios using proprietary T. Rowe Price mutual funds and ETFs, combining discretionary investment management with nondiscretionary, goals-based planning supported by an online tool and telephone access to advisors.

Sarah Hunt is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 13 years of industry experience. She previously worked at Independent Financial Group and Plotkin Financial Advisors. Hunt has also served as a consultant for Plotkin Financial Advisors. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors and their clients with a range of advisory programs, including discretionary model portfolios and customized solutions. The firm provides operational, trading, technology, compliance, and practice-management support to affiliated advisors.