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.

Steven Maxwell is a financial advisor with Private Advisor Group, LLC, holding a Series 66 license and eight years of industry experience. His prior roles include positions at Morgan Stanley & Co. LLC and Edward Jones. He is also an agent for National Life Group and Simplicity Group, providing non-variable insurance services. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

David Hodnett is a financial advisor at CWM, LLC with two years of experience in the industry. He previously worked for Brown Advisory for ten years and has held roles at Jacob William Advisory and UPD Consulting. Outside of advising, he serves as a board member for the Forest Hill Swim and Tennis Club and the University of Maryland Francis King Carey School of Law Alumni Association. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a nationwide network of over 600 advisors. The firm employs model portfolios managed by an in-house Investment Committee and utilizes a combination of fundamental and technical analysis, third-party sub-advisors, and customized tools, with a strong focus on retirement plan and institutional services.

Sydney Wingate is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 licenses and having two years of industry experience. Prior to joining T. Rowe Price, Wingate worked at Equitable Advisors and Ellin & Tucker. Outside of advising, Wingate is involved with The Blended Essentials, a makers space for candles, soaps, and bath products, where they serve as a bookkeeper and administrative assistant. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm uses a model-based approach with proprietary mutual funds and ETFs and provides planning tools alongside telephone access to advisors.

Stephen Pupa Jr. is a CFP® with 32 years of industry experience, currently affiliated with Commonwealth Financial Network. He has been with Commonwealth Equity Services, Inc. and First Susquehanna Financial Group, Inc. since 1997. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and back-office support including operations, trading, technology, compliance, and investment management. The firm offers customizable investment solutions and discretionary model portfolios managed by its Investment Management and Research team.

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 with T. Rowe Price Advisory Services, Inc. and holds the Series 63 and Series 66 designations. He has eight years of industry experience and has been with T. Rowe Price since 2017. Outside of his advisory role, Bardel works as a bartender at Towson Tavern in Maryland. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial 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, with a planning approach that includes Monte Carlo simulations and tax-aware strategies.

Jeffrey Caples is a CFA® charterholder with 24 years of industry experience. He is currently with Cerity Partners LLC, where he has worked since 2023, following a 13-year tenure at Maryland Capital Management, LLC. He holds a Series 63 license and is based in Towson, Maryland. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm provides a range of services such as investment management, financial planning, tax and insurance support, and retirement plan services, emphasizing diversified asset allocation and access to alternative and private-market investments.

Hunter Orem is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and one year of industry experience. His prior work includes roles at Bank of America (Merrill Edge), Pen Air Credit Union, and Navy Federal Credit Union, among others. Outside of finance, he has experience in the restaurant industry, including Drift Modern Coastal Cuisine. T. Rowe Price Advisory Services offers the Retirement Advisory Service targeting individual investors and households focused on retirement goals. The program combines nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs, supported by an online planning tool and telephone access to advisors.

Keith Holmes is a CFP® with 34 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He has been with T. Rowe Price since 2017, including his current role at the advisory services division since 2026, and previously worked at LPL Financial. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management, primarily serving individual investors and households. The firm uses proprietary mutual funds and ETFs with a model allocation approach and employs tax-aware strategies and Monte Carlo simulations in its planning process.

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.

Brian Stevenson is a Series 66-licensed financial advisor with two years of industry experience. He is currently with Empower Advisory Group, where he has worked since 2026. His prior experience includes roles at Merrill, Bank of America, and T. Rowe Price. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and select retail brokerage clients. The firm emphasizes long-term portfolio returns through integrated planning and managed account solutions aligned with Empower’s recordkeeping and administrative platforms.

William Groff IV is a financial advisor with Eagle Strategies (New York Life) and holds Series 63 and Series 65 licenses. He has 20 years of industry experience and has been with Eagle Strategies since 2015. Groff is also a board member of The Society of the Cincinnati of Maryland, a hereditary patriotic organization. Eagle Strategies serves a diverse clientele that includes individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis.

Danica Campbell is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with T. Rowe Price Investment Services since 2006. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, serving individual investors and households with a minimum asset requirement. The firm implements portfolios using proprietary model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and delivering financial plans and income projections through an interactive online tool.

Jodi Credit is a financial advisor at Cerity Partners LLC with three years of industry experience. She holds a Series 65 designation and has worked previously at Maryland Capital Management and Cushman & Wakefield. Cerity Partners provides customized wealth management and related services to a broad national client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors, using tailored asset allocation, manager selection, and proprietary quantitative screens.

Christopher Edwards is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and five years of industry experience. His work background includes roles at Fidelity Investments and Equitable Advisors, along with earlier positions outside the industry. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The service uses proprietary mutual funds and ETFs with a disciplined investment approach and provides financial plans and reviews through an interactive online platform.

Tyler French is a financial advisor at HB Wealth with a Series 65 designation and one year of industry experience. His prior experience includes roles at WMS Partners, Founders Financial, LLC, and Stepstone 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 offers wealth management, investment management, and financial planning, with investment strategies that combine quantitative and qualitative due diligence across a range of public and private assets.

Roger Young is a CFP® with 15 years of industry experience, currently advising at T. Rowe Price Advisory Services, Inc. since 2017. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he is a musician performing with a local rock band in Maryland. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model portfolio allocations and tax-aware strategies delivered through a combination of online tools and advisor support.

Joel Zapf is a CFP®-certified financial advisor with 18 years of industry experience, currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2019. His prior roles include positions at Ameriprise Financial Services and VZN Group Wealth Management. His outside activities include managing a single-family residential property in Baltimore, MD. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, combining nondiscretionary goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households primarily focused on retirement goals and employs tax-aware rebalancing and Monte Carlo simulations within an online planning platform.