Fred Hill Jr. is a financial advisor at Harbor Investment Advisory, LLC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Harbor Investment Advisory since 2014. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm uses a combination of quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, offering both discretionary and non-discretionary investment programs.

Kevin Chandler is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 credentials and three years of industry experience. Before joining T. Rowe Price, he worked at Amazon and held roles at several other firms, including Securitas Security Services and Abercrombie & Fitch. Outside of financial advising, he is the CEO of A & K Chandler LLC, a consulting business that assists small businesses in acquiring Federal Government contracts. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines telephone access to advisors with an online planning tool to deliver comprehensive retirement income planning and ongoing reviews.

Larry Whaley is a CFP®-certified financial advisor with PlanMember Securities Corporation in Elkridge, MD, bringing 37 years of industry experience. He has been with PlanMember since 2008 and also serves as president and owner of Paladin Advisor Group. Outside of his advisory work, Whaley leads worship music at a camp for families affected by disability and has involvement with the nonprofit organization Joni and Friends. PlanMember provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering education, support, and a range of risk-based mutual fund portfolios managed through a defined strategic asset allocation and rebalancing process.

Peter Sorensen is an advisor at HB Wealth with a Series 65 designation and one year of industry experience. Prior to joining HB Wealth, he held roles at Bucknell University, DRD Pool Management, Towson High School, and Dumbarton Middle School. 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 discretionary portfolio management aligned with clients’ objectives, combining quantitative and qualitative due diligence across a range of public and private investment strategies.

Scott Kelly is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and with 13 years of industry experience. He previously worked at Merrill for four years and Chapin Davis, Inc. for seven years before joining Janney in 2019. Janney Montgomery Scott 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, offering brokerage, financial planning, consulting, and advisory programs, with investment advice delivered through in-house and third-party portfolio management.

Andrew Caples is a CFP® and holds the Series 65 designation with three years of industry experience. He is currently with Cerity Partners LLC, where he has worked since 2026. Prior to that, he was employed at United Capital Financial Advisors, LLC and Goldman Sachs. Cerity Partners provides customized wealth management and related services to a diverse national client base, including high-net-worth individuals, families, trusts, estates, business entities, and institutional investors. The firm employs tailored asset-allocation, manager selection, and periodic rebalancing, utilizing proprietary quantitative screens alongside third-party managers and individual securities.

Matthew Spratt is a Certified Financial Planner (CFP®) with 12 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2014. He holds a Series 66 designation and is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm’s approach includes goals-based planning, tax-aware portfolio management using proprietary T. Rowe Price mutual funds and ETFs, and employs Monte Carlo simulations for retirement income projections.

Njuh Tata is a financial advisor with Valic Financial Advisors holding a Series 66 designation and no prior industry experience. His work history includes roles outside the financial sector, such as positions at McCormick and Schmick's and the University of Maryland, before joining Valic Financial Advisors. 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 provides portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, leveraging centralized technology and model solutions to manage approximately $29.2 billion for close to 300,000 clients.

Michael Hoff is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 65 and Series 66 credentials and 24 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Raymond James Financial Services. Hoff is also the owner of SMH Capital Group, a support company unrelated to investment activities. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory, financial planning, pension consulting, and managed account services.

Mike Fafaul Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has two years of industry experience. Prior to his current role at T. Rowe Price, he worked at Morgan Stanley and also has experience at Johns Hopkins Carey Business School. Outside of finance, he has involvement with professional and collegiate sports organizations. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using model allocations 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.

Patrick Farrell is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has 11 years of industry experience, including 15 years with T. Rowe Price. T. Rowe Price Advisory Services offers a retirement advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management for individual investors and households focused on retirement goals. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs and incorporates tax-aware rebalancing and Monte Carlo simulations in its planning process.

Mark Maggio is a financial advisor with Valic Financial Advisors in Linthicum Heights, MD, holding Series 63 and Series 66 designations and over 40 years of industry experience. He has worked at Valic Financial Advisors since 1998 and is also an agent with Agia, where he is involved in 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 discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet UMA models to construct client portfolios.

John Alberto is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has six years of industry experience. His prior roles include positions at Nylife Securities LLC, New York Life Insurance Company, and Baltimore City Public Schools. T. Rowe Price Advisory Services offers a retirement-focused advisory service 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, typically requiring about $250,000 in investable assets to enroll.

Cora Ingrim is a financial advisor with United Planners' Financial Services of America, holding CFP® and CFA® designations and bringing 32 years of industry experience. She has been affiliated with United Planners and Keating Financial Services since 1999 and 2000 respectively, and is also an independent insurance agent since 1993. In addition to her advisory work, she is a co-owner of a beach rental property in Corolla, NC. United Planners serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates as both a registered investment adviser and broker-dealer, offering an open-architecture platform with multiple custodians and third-party money managers, and features a limited partnership ownership structure where financial professionals hold a majority interest.

Anthony Carleton is a CFP®-certified financial advisor with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD, with 10 years of industry experience. He has been with T. Rowe Price since 2015. 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.

Mark Rau is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds the Series 66 designation and has been with TIAA-CREF since 2013. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and includes management of a donor-advised fund.

Donald Adam is a CFA® charterholder affiliated with TIAA-CREF in Baltimore, MD. He has been with TIAA since 2011 and with TIAA-CREF since 2025, holding a Series 63 license. Adam serves on the investment committee of Archbishop Curley High School, acting as a liaison between the school board and the endowment’s investment manager. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing relationships through TIAA-administered retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through model and customized portfolios.

Michael Steinhardt is a financial advisor with Kestra Advisory in Baltimore, MD, holding the ChFC® designation and Series 63 and 65 licenses. He has 38 years of industry experience and has been with Kestra Advisory since 2011. Steinhardt is also the owner and president of Clear Path Advisory and has authored a book. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and provides access to multiple management platforms and third-party managed solutions.

Grant Palmer III is a financial advisor at Mariner with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mariner since 2026. Prior to this, he spent 15 years at Waypoint Wealth Management and has been a partner and shareholder at Callan & Palmer LLP, an accounting firm, since 1988, where he devotes part of his time to CPA practice. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, and coordinated tax services. The firm employs customized discretionary portfolios supported by in-house research and third-party managers, with notable integration of tax and accounting capabilities uncommon for a firm of its size.

Gavin Gomsak is a financial advisor with Kestra Advisory, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Lincoln Financial Advisors, SFG Wealth Management, and LPL Financial. Outside of finance, he works as a CTE teacher in the public school system. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm serves large institutional investors, including sovereign wealth funds, and utilizes multiple management platforms and third-party solutions within a supervisory framework.