Frederic Bryant IV is a financial advisor with Janney Montgomery Scott in Towson, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Janney Montgomery Scott since 2002. Outside of his advisory role, he operates two farms as a sole proprietor. Janney Montgomery Scott LLC 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 including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage, financial planning, consulting, and multiple advisory programs.

Kelley Coates Carter is a Certified Financial Planner (CFP®) with 10 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2016. She holds Series 63 and Series 66 licenses and works out of Owings Mills, Maryland. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program that combines goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm uses model portfolios invested exclusively in proprietary T. Rowe Price mutual funds and ETFs, applying tax-aware strategies and delivering financial plans and reviews through an online platform with advisor support.

Andrew Chudy is a financial advisor with Cerity Partners LLC, holding a Series 65 designation and 16 years of industry experience. He worked at Maryland Capital Management for 13 years before joining Cerity Partners in 2023. Cerity Partners advises a diverse range of clients including individuals, families, trusts, estates, business entities, charitable institutions, and institutional investors, managing approximately $166.2 billion in assets as of December 31, 2025. The firm offers customized wealth management services that integrate proprietary quantitative methods with third-party strategies and direct security selection, and provides access to alternative and private market solutions for qualified clients.

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.

Thomas Brown is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2012 and has been involved with Joseph Klein Associates, LLC since 1983, where he is active in insurance transactions and financial planning. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, providing discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that integrates client goals and risk tolerances with both proprietary and third-party investment strategies.

Michael Cheleuitte is a financial advisor at Truist Advisory Services with 17 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill for nine years. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

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.

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.

Stephen Pupa Jr. is a financial advisor with Commonwealth Financial Network, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 33 years of industry experience, including 29 years at Commonwealth Equity Services, Inc. and seven years at First Susquehanna Financial Group, Inc. Outside of his advisory role, he is involved in fixed insurance sales and operates his securities business through Stephen Pupa, Inc. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a comprehensive support platform including managed-account programs, third-party asset manager access, retirement consulting, and custody services.

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.

Jeffrey Caples is a CFA® charterholder with 25 years of industry experience. He is currently with Cerity Partners LLC and has previously worked at Maryland Capital Management, 1919 Investment Counsel, and Legg Mason Investment Counsel. Cerity Partners advises a wide range of clients including high-net-worth individuals, families, trusts, foundations, endowments, and institutional investors. The firm offers customized wealth management services and employs a client-specific investment framework that combines quantitative screening, manager selection, and direct security selection, with access to alternative and private market solutions for qualified clients.

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.

Michael Mele is a CFA® charterholder based in Towson, MD, with three years of industry experience. He currently works at HB Wealth Management, LLC and previously held positions at WMS Partners, LLC, T. Rowe Price, and AstraZeneca. 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 offers discretionary portfolio management aligned with client objectives and risk tolerance, combining quantitative and qualitative due diligence across a range of public and private investment strategies.