Craig Ristuben is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 credential and six years of industry experience. His prior roles include positions at M&T Bank, Educational Systems Federal Credit Union, and PNC Bank NA. He has been with T. Rowe Price since 2019. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which combines nondiscretionary goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The program employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, using tax-aware strategies and Monte Carlo simulations to inform financial plans and retirement income projections.

Ryan Behnken is a financial advisor at Equity Services, Inc. with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at M&T Securities and M&T Bank for 10 years. Outside of his advisory role, Behnken serves on multiple nonprofit boards, including as vice chair and board chair of YMCA organizations, and works as a police officer. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms that include third-party asset managers and combines long-term investment strategies with options for shorter-term trading and specialized instruments.

Daniel Bernstein is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has been with PNC Investments since 2008. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital strategy pilot that uses algorithmic risk assessment and implements investments via approved model portfolios managed by PNC or third-party strategists.

Zachary Weiner is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Benjamin F. Edwards & Company, Inc. He has been with Benjamin F. Edwards since 2018 and previously worked at JP Morgan from 2012 to 2018. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer with approximately 436 advisors and $15.7 billion in client assets. The firm serves a diverse client base, including individuals, corporations, retirement plans, and nonprofit organizations, offering a range of advisory programs and investment strategies with oversight from an Investment Strategy Committee.

Dao Nguyen is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and three years of industry experience. Prior to joining T. Rowe Price in 2022, Nguyen worked at State Farm for seven years and was involved with V Pro Nails for six years. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households, implementing diversified model portfolios exclusively with T. Rowe Price mutual funds and ETFs, and employs strategies such as tax-aware rebalancing and Monte Carlo-based financial planning.

Christopher Dobbins is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and two years of industry experience. His prior roles include positions at Allied First Bank and work as an independent insurance agent. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement goals through a combination of nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs model allocations, tax-aware rebalancing, and Monte Carlo simulations within an online planning tool, with account management executed on a discretionary basis.

Joseph Harsel is a CFP®-certified financial advisor with 15 years of experience, currently with Valic Financial Advisors since 2011. He also serves as Managing Director of Social Impact Partners, LLC, where he consults on personal and corporate social engagement strategies. Additionally, he is involved in seasonal rental property management in Florida and Delaware. 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.

Rachel Gabriszeski is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience and a Series 66 designation. She has been with T. Rowe Price since 2018 and has prior experience working in fitness and the food service industry. T. Rowe Price Advisory Services, Inc. offers a retirement advisory service focused on individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs. The firm employs a combination of tax-aware strategies and Monte Carlo simulations through an online tool to support clients’ retirement goals.

Samuel Petti is a financial advisor with T. Rowe Price Advisory Services, Inc. holding a Series 66 credential and three years of industry experience. Prior to joining T. Rowe Price, he worked at Edge of Distinction Landscaping and Sunset Cove Restaurant. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households with investable assets generally starting at $250,000, providing financial plans and investment management supported by online tools and telephone access to advisors.

Kevin Mc Hugh is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes a role at the University of Baltimore and experience in contracting and education before joining T. Rowe Price. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm uses model allocations invested exclusively in proprietary T. Rowe Price mutual funds and ETFs, employing tax-aware rebalancing and Monte Carlo simulations to generate financial plans and retirement income projections.

Christina Garland is a CFP® with 10 years of experience in financial advising. She is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, LLC, Connectus Wealth, and Horan Capital Management, LLC. Focus Partners Wealth serves a wide range of clients including individuals, high-net-worth families, corporate, and institutional clients, offering investment management, financial counseling, family office services, and retirement plan fiduciary services. The firm utilizes a long-term, tax- and fee-sensitive investment approach combining fundamental and quantitative analysis with third-party managers and offers a broad platform of affiliated service companies and product relationships.

Jasmine Byrd is a financial advisor at T. Rowe Price Advisory Services, Inc. with six years of industry experience. She has been with T. Rowe Price since 2019 and previously worked in media roles at Maryland Public Television and CBS Radio/Entercom Radio. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm employs a goals-based approach using proprietary mutual funds and ETFs, offering personalized plans supported by online tools and financial advisor access.

Robert Hill is a CFP® professional with 12 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked in various roles since 2011, with prior experience at Bank of America and Merrill. T. Rowe Price Advisory Services offers a retirement advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily through proprietary mutual funds and ETFs. The firm serves individual investors and households focused on retirement goals with model portfolios, online planning tools, and ongoing advisory support.

Christopher Photiou is a CFP® with 26 years of industry experience and has been with T. Rowe Price Advisory Services, Inc. since 2006. He is also a podcast host and content creator, producing online content titled "The Greatest Non-Hits." T. Rowe Price Advisory Services offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households with roughly $250,000 or more in investable assets, providing financial plans and annual reviews supported by an interactive online tool.

Lyubov Sidorova is a financial advisor with Empower Advisory Group, holding a Series 66 designation and bringing 10 years of industry experience. She previously worked at T. Rowe Price for a decade before joining Empower in 2025. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to retail brokerage account holders, using an integrated model connected to Empower’s recordkeeping and administrative platforms.

Tyler Sturgill is a financial advisor with T. Rowe Price Advisory Services, Inc. and holds Series 63 and Series 65 licenses. He has 21 years of industry experience, including ten years at Kestra Advisory and eleven years with Kestra Investment Services. He is the sole member of Clear Canyon Holdings, LLC, a company involved in real estate investments. 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.

Christopher Sheeler is a financial advisor at PNC Wealth Management in Timonium, MD, with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Edward Jones, New York Life, and Eagle Strategies LLC. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithm-driven risk assessment and invests via mutual funds and ETFs managed by PNC or third parties.

Trevor Dunn is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and four years of industry experience. He has worked at T. Rowe Price since 2021 and has held various roles in other companies including United Parcel Service and Autani. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households with at least $250,000 in investable assets. Their offerings combine goals-based planning, retirement income projections using Monte Carlo simulations, and portfolios invested exclusively in T. Rowe Price mutual funds and ETFs.

Eric Seale Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 19 years of industry experience. His career includes 17 years at T. Rowe Price Investment Services, Inc. before joining T. Rowe Price Advisory Services in 2026. T. Rowe Price Advisory Services offers retirement-focused 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, employing tax-aware strategies and Monte Carlo simulations for retirement income projections.

Christopher Browne is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 19 years of industry experience. He has been with T. Rowe Price Investment Services, Inc. since 2006. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management for individual investors and households. Their approach utilizes proprietary mutual funds and ETFs, model portfolio allocations, and incorporates tax-aware strategies and Monte Carlo simulation-based planning tools.