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.

Charles Bubeck is a financial advisor at Commonwealth Financial Network with eight years of industry experience. He holds the Series 66 designation and previously worked for the State of Maryland for five years. In addition to his advisory role, he is involved in fixed insurance sales. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages roughly $212.7 billion in client assets through a range of managed-account programs, third-party asset managers, and custody services.

Christopher Clark Jr. is a Series 66-credentialed financial advisor with 10 years of industry experience, currently serving at VALIC Financial Advisors since 2016. He has held a role at AGIA since 2022. Clark is a board member of Jacob’s Well, Inc., a nonprofit organization in Baltimore City that provides housing and services for mentally challenged community members. VALIC Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer that serves primarily U.S. individuals, including high net worth clients and retirement participants. The firm offers portfolio management, financial planning, and unified managed account programs through a large network of advisors, using a centralized technology platform and model solutions.

Gregory Speier Jr. is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and 15 years of industry experience. He has been with Valic Financial Advisors since 2010 and also has a role with Agia. Outside of his advisory work, he volunteers with the Greater Ashburn Young Life Committee and performs as a guitarist on an as-needed basis. 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.

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.

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® certificant with 19 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2017. Prior to this, Theodore worked at Fidelity Brokerage Services LLC and previously at T. Rowe Price Advisory Services, Inc. from 2010 to 2012. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining goals-based financial planning, retirement income 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 rebalancing and tactical allocations, and delivers planning through an online interactive tool alongside ongoing reviews.

Joshua Groce is a financial advisor with Valic Financial Advisors and holds Series 63 and Series 65 designations. He has one year of experience in the financial services industry, including prior work at LPL Financial LLC. Before entering the financial sector, he held positions in education and public service. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm manages portfolios through discretionary unified managed accounts and offers financial planning and consulting services supported by a large network of advisors and centralized technology.

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.

David Hodnett is a financial advisor at Carson Wealth with Series 65 credentials and two years of industry experience. He previously worked at Brown Advisory for ten years and has held roles at UPD Consulting and Jacob William Advisory. Outside of his advisory work, he serves on the boards of the Forest Hill Swim and Tennis Club and the University of Maryland Francis King Carey School of Law Alumni Association. Carson Wealth is an SEC-registered enterprise platform managing approximately $50.6 billion through a network of more than 650 advisors. The firm offers a range of services including discretionary asset management, financial planning, and retirement plan management, supported by an Investment Committee that constructs and monitors model portfolios using both fundamental and technical inputs.

Sydney Wingate is a financial advisor with T. Rowe Price Advisory Services, Inc. holding Series 63 and Series 66 designations and two years of industry experience. Prior to joining T. Rowe Price in 2024, Wingate worked at Equitable Advisors and Ellin & Tucker. Outside of finance, Wingate is involved with The Blended Essentials, a makers space for crafts such as candles and soaps, serving as a bookkeeper and administrative assistant. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines goals-based planning with an online tool and telephone access to advisors, serving clients generally with $250,000 or more in investable assets.

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 at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He holds Series 63 and Series 66 licenses and has been with T. Rowe Price since 2017. Outside of his advisory role, Bardel works as a bartender at Towson Tavern in Towson, MD. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm utilizes proprietary T. Rowe Price mutual funds and ETFs along with tax-aware strategies and Monte Carlo simulations to support client retirement goals.

Hunter Orem is a financial advisor at T. Rowe Price Advisory Services, Inc. with one year of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America (Merrill Edge), Pen Air Credit Union, Navy Federal Credit Union, and the University of West Florida. Outside of finance, he has worked in the restaurant industry, including at Drift Modern Coastal Cuisine. T. Rowe Price Advisory Services provides retirement-focused financial planning and investment management to individual investors and households, using proprietary mutual funds and ETFs. Their approach includes nondiscretionary goals-based planning, discretionary account management, and tax-aware portfolio strategies delivered through an online planning platform and financial advisor support.

Keith Holmes is a CFP® professional with 34 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He has worked with T. Rowe Price since 2017, following prior roles at LPL Financial and Morgan Stanley. T. Rowe Price Advisory Services provides retirement-focused financial planning and investment management primarily to individual investors and households. The firm combines goals-based planning with discretionary portfolio management using proprietary mutual funds and ETFs, supported by an online planning platform and personalized advisor access.

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.

Vertti Iso Ahola is a financial advisor at Commonwealth Financial Network with 19 years of industry experience. He holds a Series 66 designation and has worked at Commonwealth since 2017, with prior roles at Ameriprise Financial Services and Cypress Wealth Management. He also engages in fixed insurance sales as a secondary business activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support while allowing advisors discretion in portfolio construction across a broad range of securities and insurance products.

William Groff IV is a financial advisor with Eagle Strategies (New York Life) and holds Series 63 and Series 65 licenses. He has 20 years of industry experience and has been with Eagle Strategies since 2015. Groff is also a board member of The Society of the Cincinnati of Maryland, a hereditary patriotic organization. Eagle Strategies serves a diverse clientele that includes individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis.