Michael Novak is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 11 years of industry experience, including over a decade with T. Rowe Price. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management to individual investors and households. The firm utilizes model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combining goals-based planning with online tools and financial advisor support.

Dalkeith Thomas is a financial advisor at T. Rowe Price Advisory Services, Inc. with one year of industry experience. His background includes roles at T. Rowe Price Investment Services, Family Dollar Stores Inc, Bank of Jamaica, and the University of the West Indies. T. Rowe Price Advisory Services provides retirement-focused financial planning and investment management to individual investors and households, using model portfolios invested in proprietary T. Rowe Price mutual funds and ETFs with a combination of nondiscretionary planning and discretionary management.

Meredith Mighty is a financial advisor at HB Wealth with 16 years of industry experience. She holds a Series 66 designation and has worked at firms including UBS Financial Services, Morgan Stanley, and Hornor Townsend & Kent. Outside of finance, she has experience in homemaking. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers wealth management, investment management, and financial planning, combining quantitative and qualitative due diligence across public and private strategies to tailor portfolios to clients’ objectives and risk tolerance.

Bernard Salzman is a financial advisor at Steward Partners Investment Advisory, LLC with 56 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Morgan Stanley and Raymond James Financial Services. Salzman is also the owner of SMH Capital Group, a non-investment-related support company. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering a range of advisory, financial planning, and portfolio management solutions.

Timothy Hathaway is a CFA® charterholder with 13 years of industry experience, currently serving at Brown Advisory in Baltimore, MD. He holds a Series 63 license and has been affiliated with Brown Investment Advisory & Trust Company since 1995. Brown Advisory provides investment management and advisory services to a diverse client base, including high net worth individuals, institutions, and charitable organizations. The firm emphasizes a bottom-up fundamental research approach and offers a range of strategies including equity, fixed income, and sustainable-investment portfolios, along with private-fund and venture programs managed with affiliates.

Douglas Mcclean III is a financial advisor at Cerity Partners LLC with 13 years of industry experience. He holds a Series 65 designation and previously worked at Maryland Capital Management for 10 years before joining Cerity Partners in 2023. Cerity Partners is an SEC-registered investment adviser that serves a diverse client base, including individuals, families, trusts, corporations, charitable institutions, and other 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 tailored to each client’s profile.

Shane Bernard is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 11 years of industry experience. Bernard has worked at T. Rowe Price since 2013 in various roles. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary goals-based planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm’s approach includes tax-aware rebalancing and Monte Carlo simulations to support financial planning and account management for individual investors and households.

Lori Lopez is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining T. Rowe Price, she worked at Door Dash, MECU Credit Union, Pier 1 Imports, and PNC Bank. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs tax-aware strategies and Monte Carlo simulations within its planning tools, serving clients primarily through an efficient enterprise model.

James Maher Jr. is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds the Series 66 designation and has previously worked at firms including Rec Room and SCO Wealth Management. Outside of his advisory role, he works as a bartender at Towson Tavern/Rec Room in Towson, MD. 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 technology-driven planning tools with access to financial advisors and employs tax-aware strategies and Monte Carlo simulations for retirement income projections.

Lois Robinson is a financial advisor at Money Concepts Capital Corp with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Money Concepts Capital Corp since 2012. Additionally, she has been associated with Aim since 2011. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a variety of managed programs and portfolio strategies, using fundamental and technical analysis alongside modern portfolio theory to guide asset allocation and account rebalancing.

Robert Clay is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 credentials and over 35 years of industry experience. He has worked at firms including Paladin Advisor Group, Mass Mutual Investors Services, and MetLife Securities, and has been self-employed since 1991. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios, offering education and support services such as seminars, personalized retirement planning, and separation counseling.

Kevin Parker Jr. is a financial advisor at Valic Financial Advisors with 12 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work experience includes roles at MML Investors Services, MassMutual Life Insurance, Equitable Advisors, and LPL Financial, among others. Outside of finance, he has been involved with Pronghorn Elite Training for three years. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm employs discretionary unified managed accounts through Envestnet’s platform and offers portfolio management and financial planning services via a large network of advisors.

Tiffany Crosley is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds a Series 66 designation and has four years of industry experience. Her previous roles include positions at J.P. Morgan Chase Bank, J.P. Morgan Securities, Merrill, and New York Life Insurance Company. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households focused on retirement goals. The firm combines goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs, supported by an online planning tool and telephone access to advisors.

Brian Malone is a financial advisor at T. Rowe Price Advisory Services, Inc. with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at PNC Private Bank, JPMorgan Chase Bank, Edward Jones, and Ridgeworth Capital Management. Malone is based in Baltimore, MD. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. The firm uses model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, combining goals-based planning, tax-aware rebalancing, and Monte Carlo simulation tools.

Thomas Bracken is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining T. Rowe Price, he worked at Winters Run Golf Club and Auburn University. T. Rowe Price Advisory Services offers the Retirement Advisory Service, which provides goals-based financial planning and discretionary investment management focused on retirement for individual investors and households. The firm employs model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, supported by online tools and access to financial advisors.

Andre Brown is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has three years of industry experience. Prior to joining T. Rowe Price, he worked at Bank of America and Merrill. Brown's background also includes academic experience at George Mason University and roles outside finance. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management for individual investors and households. Their approach combines goals-based planning, tax-aware portfolio management using proprietary mutual funds and ETFs, and annual financial reviews delivered through both advisor support and online tools.

Joel Houck is a financial advisor at HB Wealth with 21 years of industry experience. He holds the CFP®, CFA®, and Series 63 designations. Prior to joining HB Wealth in 2025, he worked at WMS Partners, Cicero Capital Partners, and Wells Fargo Securities. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm’s investment process integrates quantitative and qualitative due diligence across public and private strategies and includes managing registered investment companies and affiliated private funds.

Penelope Spees is a CFP® professional with 26 years of industry experience, currently serving at VALIC Financial Advisors since 2000. She also holds Series 63 and Series 65 licenses and has been an agent at Agia since 2022, involved in non-securities insurance products. VALIC Financial Advisors, Inc. is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and unified managed accounts through a large network of advisors and utilizes centralized technology and model solutions to support its extensive client base.

Dante Chestnut is a CFP® professional with eight years of industry experience. He has worked at T. Rowe Price Advisory Services, Inc. since 2017 and previously spent four years at Beltway Companies. He holds Series 63 and Series 66 licenses. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management for individual investors and households, utilizing proprietary mutual funds and ETFs. The firm combines nondiscretionary planning with discretionary portfolio management and emphasizes tax-aware strategies and model allocations tailored to client goals.

William Andrews Jr. is a financial advisor at TIAA-CREF with 30 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Stifel for 20 years. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm operates within a vertically integrated structure and offers a range of advisory services including customized portfolio management and donor-advised fund advisory.