Kiauna Tilley is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and 11 years of industry experience. She has been with T. Rowe Price since 2013. T. Rowe Price Advisory Services, Inc. offers a retirement-focused financial planning service that combines nondiscretionary goals-based planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households through a model portfolio approach exclusively using proprietary T. Rowe Price mutual funds and ETFs.

Dylan Menefee is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds Series 66 and Series 63 designations and previously worked at Liberty Mutual Insurance. T. Rowe Price Advisory Services offers the Retirement Advisory Service to individual investors and households focused on retirement goals, combining nondiscretionary financial planning and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm employs tax-aware strategies and delivers financial plans and retirement income projections through an interactive online tool.

James Fegan Jr. is a financial advisor with Guardian Life and holds Series 63 and Series 65 designations. He has 30 years of industry experience, including long tenures at Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory role, he is involved with Fegan Insurance, LLC. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning, consulting, and investment management solutions that combine advisor-led discretionary management with model-based strategies using proprietary and third-party platforms.

Mark Shusterman is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has two years of industry experience. Prior to joining T. Rowe Price, he worked with D.C. United and the Philadelphia 76ers. Outside of his advisory role, he works part-time as a delivery driver. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management for individual investors and households, utilizing proprietary mutual funds and ETFs through model portfolios tailored by equity allocation and tax-aware strategies.

Christophe Dionot is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 designation and 17 years of industry experience. His prior work includes roles at Planning Solutions Group, LLC and Triad Advisors Inc, as well as affiliations with LPL Financial and Wealth Enhancement Brokerage Services. He serves as a for-profit board member of Cornerstone Auto Group. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by an internal Investment Committee and incorporates both quantitative and fundamental research methods.

Christopher Walczak is a CFP® professional with 15 years of experience in wealth management. He currently works at HB Wealth Management, LLC and has previously held roles at WMS Partners, LLC, Genspring - SunTrust Private Wealth/SunTrust Bank, and GenSpring Family Offices, LLC. HB Wealth Management is a registered investment adviser that serves individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm employs a discretionary investment approach combining quantitative and qualitative due diligence across public and private strategies, and offers outsourced chief investment officer and institutional advisory services.

Thuc Phan is a CFP®-designated financial advisor with 11 years of industry experience, currently with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD. He has been with T. Rowe Price in various roles since 2016. T. Rowe Price Advisory Services offers the Retirement Advisory Service to individual investors and households focused on retirement goals, providing nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily through proprietary mutual funds and ETFs. The program includes financial planning with Monte Carlo simulations and manages accounts on a discretionary basis once clients enroll and accept the investment proposal.

Mc Kenzie Lannon is a CFP® with seven years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. since 2026. Prior to joining T. Rowe Price, Lannon spent eight years with United Capital Financial Advisors and has experience in both the financial and retail sectors, including a role at Blenders Eyewear. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, serving individual investors and households primarily using proprietary T. Rowe Price mutual funds and ETFs. The firm distinguishes itself by its specific regulatory status, focused client base, and reliance on electronic processes for enrollment.

Xiaohuan Xu is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 10 years of industry experience. Xu has been affiliated with Transamerica since 2015 and serves as president of Catherine Xu Financial Dynasty LLC. Outside of advisory work, Xu is involved in health insurance sales and has an investment in the food and beverage sector. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm offers a range of advisory and broker-dealer services through proprietary and third-party investment models, with both discretionary and non-discretionary program options.

Steven Eyler is a Certified Financial Planner (CFP®) and Series 66 license holder with 12 years of industry experience, all of which has been with T. Rowe Price Advisory Services, Inc. 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 exclusively with T. Rowe Price mutual funds and ETFs, and employs tax-aware strategies alongside Monte Carlo-based financial planning tools.

Joshua Joseph 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 JJO Gaming and Bank of America, N.A. He also has experience at Merrill and in other roles outside the financial industry. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, which combines goals-based financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households with a focus on retirement, implementing portfolios using proprietary mutual funds and ETFs and employing tax-aware strategies and Monte Carlo simulations for financial planning.

Ryan Cain is a financial advisor at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Wells Fargo, and Aerotek. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, using asset-location strategies and tax-aware rebalancing with account management on a discretionary basis.

Alexander Cochran is a financial advisor with Kestra Advisory, holding a Series 66 designation and bringing 11 years of industry experience. His prior roles include positions at Seia LLC, Royal Alliance, Wealth Enhancement Advisory Services, and LPL Financial, among others. He also serves as a Planning & Investment Associate at CURO Private Wealth, where he manages client service operations and supports financial planning and trading activities. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving large institutional investors and diverse client types.

James Lohrmann is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining T. Rowe Price in 2021, he worked at Renegade Productions Inc. and ChristLife Inc. T. Rowe Price Advisory Services offers a retirement advisory program focused on individuals and households with retirement goals. The service combines goals-based financial planning, retirement income planning, and discretionary investment management, utilizing proprietary mutual funds and ETFs with a range of model allocations.

Myles Mccomas III is a financial advisor at T. Rowe Price Advisory Services, Inc. with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with T. Rowe Price since 2010. T. Rowe Price Advisory Services provides a retirement-focused financial planning and investment management service for individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combining nondiscretionary planning with discretionary management and online tools for retirement income planning.

Damon Cherry is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has three years of industry experience. His background includes roles at ClearOne Advantage and multiple positions at Towson University. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm employs tax-aware strategies and Monte Carlo simulations to assist individual investors and households in managing their retirement assets.

Richard Fernandez is a CFP® professional with 28 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He has been with T. Rowe Price Investment Services, Inc. since 1999. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary 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, applies tax-aware rebalancing, and employs Monte Carlo simulations for retirement income projections.

Matthew Wells is a CFP® with 11 years of industry experience. He is currently an advisor at T. Rowe Price Advisory Services, Inc., where he has worked since 2024. Prior to joining T. Rowe Price, Wells held roles at Northwestern Mutual Investment Management and Keller Williams Realty Centre; he is a licensed real estate agent and may receive compensation for referring business. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining nondiscretionary financial planning and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing model portfolios with tax-aware strategies and offers online planning tools alongside telephone access to advisors.

Cecil Rockhill is a financial advisor at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He has been with T. Rowe Price since 2017 and previously worked at Merrill for one year. He holds the Series 66 designation. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service that combines goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm implements portfolios using proprietary T. Rowe Price funds and employs strategies such as tax-aware rebalancing and Monte Carlo simulations to generate retirement income projections.

Michael Bay is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and one year of industry experience. His prior work includes roles at Merrill and Year Up United. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement. The firm combines goals-based financial planning and discretionary investment management using proprietary mutual funds and ETFs, offering personalized retirement income planning supported by an online planning tool and telephone access to financial advisors.