Bradley Schramek is a financial advisor with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at LPL Financial, State Employees Credit Union of Maryland, and TD Ameritrade. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service that combines nondiscretionary financial planning with discretionary investment management, primarily serving individual investors and households. The firm utilizes model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, supported by an interactive online planning tool and ongoing account management.

Sheldon Dipnarine is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has nine years of industry experience. Prior to joining T. Rowe Price in 2017, he worked at Ameriprise Financial for one year. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining goals-based financial planning with discretionary investment management primarily using proprietary mutual funds and ETFs. The firm emphasizes tax-aware rebalancing and utilizes an online planning tool alongside advisor support.

Gordon Smith is a financial advisor at Primerica Advisors with 40 years of industry experience. He holds the ChFC® and Series 63 designations. His career includes roles at Park Avenue Securities and Guardian Life Insurance Company. Smith is also involved in insurance sales. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing a range of proprietary and third-party investment strategies and programs.

Omari Russell is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and four years of industry experience. Prior to joining T. Rowe Price in 2021, he worked at Wegman's Food Markets and has academic experience from Aberystwyth University and Morgan State University. T. Rowe Price Advisory Services, Inc. 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 goals. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations through an online planning tool.

Matthew Bille is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has seven years of industry experience. His prior work includes roles at Capital One Bank, Merrill, and Stanley Black & Decker. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary goals-based planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing model-based portfolios and tax-aware strategies within a structured online and telephone advisory platform.

Nicholas Pagano is a financial advisor at T. Rowe Price Advisory Services, Inc. with 17 years of industry experience, including 18 years at T. Rowe Price Investment Services, Inc. He holds the Series 63 and Series 66 designations. Outside of his advisory role, he is involved in owning and operating a real estate business in Colorado Springs. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households, implementing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs with a focus on tax-aware strategies and electronic enrollment processes.

Russell Burns is a CFP® with 22 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. since 2023. He previously worked at Opendoor Labs, Inc. and spent over two decades at THE Vanguard Group, Inc. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining goals-based financial planning and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm employs tax-aware strategies and Monte Carlo simulations to support retirement income planning.

Lenee Dirzuweit is a financial advisor at Cerity Partners LLC with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including RBC Capital Markets Corporation and Maryland Capital Management. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, charitable institutions, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolios.

Andrew Snyder is a financial advisor at T. Rowe Price Advisory Services, Inc. with 10 years of industry experience. He holds the Series 66 designation and has been with T. Rowe Price since 2016. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, offering goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, and uses tax-aware rebalancing and Monte Carlo simulations in its planning process.

Gennadiy Todd is a CFP® and Series 65-licensed financial advisor with seven years of industry experience. He is currently with Focus Partners Wealth, LLC, having previously worked at The Colony Group, Verdence Capital Advisors, and Buttonwood Financial Advisors. Outside of finance, he was involved with Fashion Your Way for five years. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with a broad range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies, third-party managers, and private funds under an enhanced open architecture framework.

Robert Welliver is a financial advisor at T. Rowe Price Advisory Services, Inc. with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with T. Rowe Price since 2012. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, combining online planning tools with telephone access to advisors to support retirement income goals.

Jennifer Hoffman is a financial advisor at Creative Planning with one year of industry experience. She holds the Series 65 designation and previously worked at Lockton Investment Advisors, LLC for five years. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base including high-net-worth individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that integrates low-cost indexing, buy-and-hold strategies, and selective private market exposure while managing approximately $295.6 billion in client assets.

Ashley Childs is a financial advisor with T. Rowe Price Advisory Services, Inc. and holds Series 63 and Series 66 licenses. She has five years of industry experience, including five years at J.P. Morgan Securities and J.P. Morgan Chase Bank. T. Rowe Price Advisory Services offers the Retirement Advisory Service for individual investors and households focused on retirement goals, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs. The program features point-in-time financial plans, annual reviews, and uses model allocations with tax-aware rebalancing and Monte Carlo simulations for retirement income projections.

Grant Burchette is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds a Series 66 designation and has been with T. Rowe Price since 2022. His prior work includes roles at Towson University and Chick-fil-A. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily using proprietary T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households, providing model portfolio allocations and retirement income planning supported by online tools and advisor access.

Brian Rubin is a financial advisor with Benjamin F. Edwards & Company, Inc., holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has worked at Benjamin F. Edwards since 2013, following prior roles at Wells Fargo Clearing and Banc of America Investment Services, Inc. Outside of his advisory work, he serves as a personal representative for an estate in Lutherville, MD. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension plans, charitable organizations, and corporations through over 500 advisors. The firm provides a range of managed solutions, including proprietary and third-party investment strategies, financial planning, retirement consulting, and brokerage services.

Domenique Gibson is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and having three years of industry experience. Prior to joining T. Rowe Price in 2020, she worked at Target and Victoria's Secret. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing model portfolio allocations and tax-aware strategies supported by an online planning tool and access to financial advisors.

Emily Herstein is a CFP® professional with 28 years of industry experience, currently with T. Rowe Price Advisory Services, Inc. She has held various advisory roles including positions at M&T Securities, SunTrust Investment Services, and Jemma Investment Advisors. Herstein has been with T. Rowe Price since 2019. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. Their approach combines goals-based planning, retirement income strategies, and model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, utilizing tax-aware rebalancing and asset-location techniques.

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 Series 63 and Series 66 designations and has been in the industry since 2024. His prior experience includes roles at Northwestern Mutual and entrepreneurial ventures such as Clean Cuisine and Gourmet Again. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which provides nondiscretionary goals-based financial planning and discretionary investment management primarily for individual investors and households focused on retirement. The firm invests exclusively in T. Rowe Price mutual funds and ETFs, uses tax-aware strategies, and delivers financial plans and income projections through an online interactive tool.

William Newkirk 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 Vanguard Marketing Corporation, The Vanguard Group, Inc., Transamerica, and Amazon, among others. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which offers retirement-focused financial planning, income planning, and discretionary investment management through a combination of advisor support and an online planning tool. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, utilizing tax-aware strategies and Monte Carlo simulations to develop and manage client retirement plans.