Dwayne Hiltner is a financial advisor at Brookstone Capital Management LLC with nine years of industry experience. He holds a Series 65 designation and has worked at Brookstone since 2016. Outside of his advisory work, he is a member of the LLC that owns Sam's Italian Restaurant in Baltimore, though he is not involved in its operations. Brookstone Capital Management is an SEC-registered adviser providing fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other RIAs, sovereign wealth funds, and banking institutions.

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.

Benjamin Kujawa is a financial advisor with Eagle Strategies (NY Life) based in Timonium, MD. He holds Series 63 and Series 65 licenses and has 13 years of industry experience. Kujawa has been affiliated with New York Life and its related entities since 2012. Eagle Strategies serves a diverse client base including individual investors, institutional sponsors, and retirement plans, offering financial planning, investment management, and advisory services. The firm’s approach includes multiple program types tailored to client objectives, with the majority of assets managed on a non-discretionary basis.

Charles Woodbury is a financial advisor with Guardian Life and Park Avenue Securities, holding the ChFC® designation and Series 63 and 65 licenses. He has 41 years of industry experience and has been with Guardian Life and Park Avenue Securities since 2008. Outside of his advisory role, he is involved with the Towson United Methodist Church, serving on the Stewardship Committee and chairing the Planned Giving Committee. Park Avenue Securities, a subsidiary of Guardian Life, provides brokerage, financial planning, and retirement plan consulting services to individuals, including high-net-worth clients, as well as pension plans, charitable organizations, and corporate clients. The firm offers a mix of proprietary and third-party investment advisory programs and utilizes both discretionary and non-discretionary advisory relationships.

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 designations. His prior work history includes roles at several companies, such as Red Wing Shoes and Harvest of Towson. T. Rowe Price Advisory Services provides retirement-focused financial planning and discretionary investment management to individual investors and households, employing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm emphasizes goals-based planning supported by an interactive online tool and typically serves clients with investable assets of around $250,000 or more.

Kirsten Sandberg is a financial advisor at Mercer Global Advisors Inc. with 23 years of industry experience. Her background includes roles at Fisher Investments, JPMorgan, Merrill, and PNC Bank. She holds Series 63 and Series 65 designations. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering investment advisory, financial, tax, retirement, and estate planning services. The firm’s investment approach is based on Modern Portfolio Theory and focuses on globally diversified, risk-appropriate portfolios implemented through low-cost ETFs, index funds, separate account managers, and other vehicles.

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.

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.

Antonio Ristaino is a financial advisor with United Planners Financial Services of America, holding the CFP® designation and Series 63 license. He has 43 years of industry experience and has been with United Planners since 2005. Outside of his advisory work, he is the owner of Ristaino Marketing, a marketing company, and serves as an instructor and owner of Federal Training Corporation, which provides teaching and coaching services. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent Investment Adviser Representatives and utilizes a mix of custodians and third-party managers to implement investment and cash-management solutions.

Thomas Brown is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2012 and has been involved with Joseph Klein Associates, LLC since 1983, where he is active in insurance transactions and financial planning. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, providing discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that integrates client goals and risk tolerances with both proprietary and third-party investment strategies.

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.