Jennifer Schmalzer is a financial advisor at T. Rowe Price Advisory Services, Inc. with three years of industry experience. She holds Series 66 and Series 63 licenses and has worked at T. Rowe Price since 2018. Her prior roles include positions at Best Version Media, Murthy Law Firm, and Ocean City Brewing Company. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which provides retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing proprietary mutual funds and ETFs. The service features model portfolios, tax-aware rebalancing, and online tools for plan simulation and review.

Michael Golden is a financial advisor at MAI Capital Management, LLC with seven years of industry experience. His career includes roles at Bank of America, Merrill, Court Place Advisors, and Brock FIS. He holds Series 63 and Series 66 licenses. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to individuals, families, institutional clients, and sports professionals. The firm offers a range of portfolio strategies and integrates financial planning and tax services for its clients, managing over $72 billion in assets as of mid-2026.

Anne Chambers is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. She holds the Series 66 designation and has been with T. Rowe Price since 2020. Her prior work experience includes roles at Santa Clara University and Art In Action. 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 and employs a goals-based approach supported by online tools and telephone access to advisors.

Daniel Little is a Certified Financial Planner® (CFP®) with 13 years of industry experience, currently working at T. Rowe Price Advisory Services, Inc. since 2011. He holds the Series 66 designation and is based in Owings Mills, Maryland. T. Rowe Price Advisory Services offers a retirement-focused advisory service to individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, using tax-aware strategies and Monte Carlo simulations to support financial planning.

Jeffrey Hill is a Series 65-licensed financial advisor with 12 years of industry experience. He has worked at HB Wealth Management, LLC since 2025 and was previously with Wms Partners LLC for 11 years. HB Wealth Management is a registered investment adviser providing 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 clients’ objectives and risk tolerance, combining quantitative and qualitative due diligence across a range of public and private investment strategies.

Donald Weinle III is a financial advisor at T. Rowe Price Advisory Services, Inc. with 10 years of industry experience. He holds Series 63 and Series 66 credentials. His work history includes multiple roles at T. Rowe Price, as well as positions with State Farm VP Management Corp, Thomas M Benisch, Jr Insurance Agency, and the Department of Defense. T. Rowe Price Advisory Services offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management, primarily serving individual investors and households with retirement goals. The firm manages portfolios at the household level using proprietary mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulation-based financial planning.

Loukas Sotiropoulos is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and one year of industry experience. Prior to joining T. Rowe Price, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. T. Rowe Price Advisory Services offers the Retirement Advisory Service, combining goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and interactive planning tools.

Ethan Kozel is a financial advisor at T. Rowe Price Advisory Services, Inc. with one year of industry experience. He previously worked at Equitable Advisors, LLC and has experience in the hospitality sector. T. Rowe Price Advisory Services offers a retirement-focused advisory service that combines goals-based financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households with a focus on retirement goals through a model portfolio approach supported by online tools and regular reviews.

Alicia Kong is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with VOYA since 2014. Outside of her advisory role, she serves on several educational advisory boards, including as chairman of the Howard County Public School Academy of Finance Advisory Board and as a volunteer with the Howard County Junior Achievement program. VOYA Financial Advisors serves a diverse client base including individual, institutional, and high-net-worth clients, offering financial planning, portfolio management, and retirement plan consulting through multiple program structures, primarily using non-discretionary, recommendation-based advice.

Jacob Santore is a CFP® professional with 13 years of industry experience, currently serving at T. Rowe Price Investment Services, Inc. since 2015. He holds Series 63 and Series 66 licenses and is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service for individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily through proprietary mutual funds and ETFs. The firm uses a model allocation approach with tax-aware strategies and delivers financial plans with annual reviews supported by an interactive online tool.

Robin Gibbons is a financial advisor with VOYA Financial Advisors, Inc. who holds a Series 66 designation and has 29 years of industry experience. Prior to joining VOYA in 2019, Gibbons worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. Outside of financial advising, Gibbons operates as an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors, Inc. serves a diverse client base that includes individuals, institutional clients, retirement plan sponsors, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and plan-sponsor consulting, primarily delivering advice through non-discretionary, recommendation-based arrangements alongside various wrap and third-party money manager programs.

Jason Scarborough is a financial advisor at Empower Advisory Group with 28 years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining Empower Advisory Group, he worked for T. Rowe Price Investment Services for 16 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders, offering services integrated with Empower’s recordkeeping and administrative platforms.

Sucharu Arora is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. He has been with SunTrust Advisory Services and related affiliates since 2013. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs both discretionary and non-discretionary approaches, leveraging third-party platforms and AI-enabled research tools to support manager selection and investment oversight.

Chad Norfolk is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at HB Wealth Management, LLC. He previously worked for 11 years at WMS Partners, LLC. Norfolk holds the Series 66 license and is based in Towson, MD. HB Wealth Management is a registered investment adviser offering 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 employs a combined quantitative and qualitative investment process across a range of public and private strategies and provides outsourced chief investment officer and institutional advisory services.

Earl Choi is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 registrations and has five years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, Merrill Edge, Merrill, and PNC Bank. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The service is tailored to individual investors and households with retirement goals and includes telephone access to advisors supported by an interactive online planning tool.

Geoffrey Carey is a CFA® charterholder with 24 years of industry experience. He has been with Brown Investment Advisory & Trust Company since 2001. Brown Advisory provides investment management and advisory services to a diverse range of clients, including high net worth individuals, endowments, foundations, pension plans, and corporations. The firm employs a bottom-up, fundamental research approach to construct concentrated portfolios and offers a variety of strategies, including sustainable-investment integration and access to private funds and venture programs.

Emilio Egea is a financial advisor with HB Wealth who holds a Series 65 designation and has two years of industry experience. He previously worked at HB Wealth (formerly WMS Partners, LLC) for four years and spent five years at Loyola University. HB Wealth Management provides wealth and investment management, as well as financial planning, to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers discretionary portfolio management, incorporates both quantitative and qualitative due diligence across a range of public and private investment strategies, and provides outsourced chief investment officer and institutional advisory services.

Skyler Hutcheson is a financial advisor at CWM, LLC with a Series 65 designation and five years of industry experience. His prior work includes roles at Carson Group and FAI Wealth Management. He serves on the board of directors for the Central Maryland Chamber of Commerce. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutions through a network of over 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services using model portfolios overseen by an in-house Investment Committee and a combination of fundamental and technical analysis.

Daniel Mento is a CFA® charterholder with four years of industry experience. He is currently with HB Wealth Management, where he has worked since 2025, following roles at WMS Partners and Pinnacle Advisory Group. 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 manages accounts on a discretionary basis using a combination of quantitative and qualitative due diligence across a broad range of public and private investment strategies.

Brian Rosenbaum is a financial advisor with Kestra Advisory who holds the CFP® designation and has 27 years of industry experience. He previously worked for Hornor Townsend and Kent, Inc. and Penn Mutual Life Insurance Company for 19 years. He is also President and CEO of Vero Advisory, an insurance and wealth advisory firm in transition from its current operating name. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan design, employee education, and advisor-managed accounts. The firm serves a diverse client base that includes large institutional investors and sovereign wealth funds, with a broad range of third-party and proprietary investment platforms.