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 with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining T. Rowe Price, he worked at Liberty Mutual Insurance from 2017 to 2020. T. Rowe Price Advisory Services offers the Retirement Advisory Service to individual investors and households focused on retirement goals, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs. The firm employs model allocations implemented at the household level, with an emphasis on tax-aware rebalancing and utilizes an interactive online planning tool with Monte Carlo simulations for retirement income projections.

Mark Shusterman is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 66 and Series 63 licenses 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 finance, he works as a part-time delivery driver for DoorDash. T. Rowe Price Advisory Services offers the Retirement Advisory Service, which provides individual investors and households with goals-based financial planning, retirement income planning, and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs. The firm employs a model portfolio approach with tax-aware rebalancing and delivers financial plans through an interactive online tool with periodic reviews.

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 14 years of industry experience. He is currently with HB Wealth, where he has worked since 2025. Prior to joining HB Wealth, he held roles at WMS Partners, Genspring - SunTrust Private Wealth/SunTrust Bank, and GenSpring Family Offices. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, and family offices, as well as institutional clients and investment companies. The firm offers wealth management, investment management, and financial planning services, including outsourced chief investment officer and institutional advisory roles, managing portfolios through a combination of quantitative and qualitative due diligence across a broad range of public and private investment strategies.

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 at Transamerica Financial Advisors with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has held various roles including management and accounting positions in entities such as WSB GFC LLC and Catherine Xu Financial Dynasty LLC. Outside of her advisory work, she is involved in health insurance sales and is an investor in a food and beverage business. Transamerica Financial Advisors serves a diverse client base ranging from individual investors to corporations, offering a combination of advisory and broker-dealer services with proprietary and third-party investment models.

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 eight 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 offers a retirement-focused advisory program that combines goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model allocations, tax-aware rebalancing, and online planning tools.

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.

Nicholas Sigismondi is a financial advisor with Valic Financial Advisors holding a Series 66 designation and three years of industry experience. Prior to joining the firm, he worked for Baltimore City Public Schools for seven years. Outside of finance, he is a musician who regularly plays with his band, releasing music on platforms like Spotify and Bandcamp. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors.

Lukas Mihailovich is a financial advisor at &PARTNERS with a Series 66 designation and two years of industry experience. He has worked at Wells Fargo Clearing and several mortgage-related firms prior to joining &PARTNERS. &PARTNERS serves a diverse client base including individuals, retirement plans, charitable organizations, foundations, universities, and sovereign wealth funds. The firm offers both investment advisory and brokerage services, utilizing a combination of proprietary models and third-party management through the Envestnet platform, and operates uniquely as both a broker-dealer and registered investment adviser with multiple revenue streams.

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®-certified financial advisor with 10 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., having joined in 2024. Prior to this, he worked at Northwestern Mutual Investment Management and was affiliated with The Waldner Winters Team of Keller Williams Realty Centre as a licensed real estate agent, where he remains able to receive referral compensation. T. Rowe Price Advisory Services offers a retirement-focused advisory service that combines goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, providing point-in-time financial plans with annual reviews and employing tax-aware rebalancing and Monte Carlo simulation-based projections.

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 the Series 66 credential and beginning his advisory career in 2026. Prior to joining T. Rowe Price, he held positions at Merrill and several other organizations, including Year Up United and various automotive dealerships. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement goals through a combination of nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and providing financial plans with Monte Carlo simulations and annual reviews.