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 five years of industry experience. He holds a Series 65 credential and previously worked at FAI Wealth Management and Carson Group. Outside of his advisory role, Hutcheson serves as a board member of the Central Maryland Chamber of Commerce. CWM, LLC is an SEC-registered investment adviser that serves a diverse client base including individuals, high-net-worth families, foundations, and institutions. The firm employs a discretionary investment approach using model portfolios, combining fundamental and technical analysis with third-party sub-advisors and customization tools.

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 CFP® professional with 26 years of experience in financial advising. He currently serves as a financial advisor at Kestra Advisory and is President and CEO of Vero Advisory, where he oversees business operations and financial planning. Prior to joining Kestra in 2021, Rosenbaum spent 19 years at Hornor Townsend and Penn Mutual Life Insurance Company. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse group of institutional and individual clients, including very large investors such as sovereign wealth funds. The firm offers fiduciary services, plan design and compliance support, and a wide range of investment management solutions through multiple platforms and third-party relationships.

Michael Thompson is a financial advisor at Truist Advisory Services with 17 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at various Truist-related entities since 2011, including BB&T Bank and BB&T Investments. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation analysis, fiduciary support, and a manager-selection program, utilizing a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Frances Makino is a financial advisor at Independent Financial Group, LLC with 38 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Commonwealth Equity Services, Inc. for 33 years. Makino also teaches a personal finance course through Howard County Parks & Recreation. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services through a nationwide network of Investment Adviser Representatives.

Jeffrey Smith is a financial advisor at Janney Montgomery Scott with 35 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with Janney Montgomery Scott in various capacities since 2016. 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 and municipal organizations, offering a range of brokerage, financial planning, and advisory services.

Benjamin Hostetler is a financial advisor at Integrity Alliance, LLC with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Lion Street Financial, Commonwealth Financial Network, and Virtus Wealth Solutions. Hostetler is also the owner of Hostetler Financial LLC, a financial advisory firm. Integrity Alliance is a large advisor network serving individual investors, corporations, and qualified retirement plans. The firm offers portfolio management, financial planning, and various program options, utilizing multiple platforms and investment approaches to support a broad client base.

Sergio Gutierrez Carballido is a financial advisor at T. Rowe Price Advisory Services, Inc. with six years of industry experience. He holds Series 63 and Series 66 credentials. His prior work history includes roles at Fis and ClearOne Advantage, LLC. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The service is designed for individual investors and households with investable assets generally starting at $250,000 and includes ongoing financial plans and annual reviews.

Isaac Lee is a financial advisor at T. Rowe Price Advisory Services, Inc. with three years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining T. Rowe Price, he worked in positions at Chubby Cattle and &Pizza. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management, serving individual investors and households with an emphasis on proprietary mutual funds and ETFs.

Christopher Riolo is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds the Series 66 designation and previously worked at Austin Pharmacy and Medical Supplies and Johnston & Murphy. Riolo has been with T. Rowe Price since 2021. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households. Their approach uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combining goals-based planning, retirement income projections generated with Monte Carlo simulations, and tax-aware portfolio management.

Harrison Malone is a financial advisor with PNC Wealth Management, holding a Series 66 designation and two years of industry experience. Prior to joining PNC Investments LLC in 2025, he worked at Equitable Advisors and has held various roles outside the financial sector, including positions at a middle school, a country club, and a butcher shop. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithm-driven risk assessment and manages investments via mutual funds and ETFs.

James Williamson is a financial advisor at T. Rowe Price Advisory Services, Inc. with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked primarily at T. Rowe Price, with a one-year tenure at The Marshall Financial Group LLC. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management, primarily serving individual investors and households. The firm uses model allocations invested in proprietary T. Rowe Price mutual funds and ETFs, applying asset-location logic, tax-aware rebalancing, and Monte Carlo simulations in their planning approach.

William Peck is a financial advisor at Janney Montgomery Scott in Towson, MD, holding Series 65 and Series 63 licenses with 11 years of industry experience. He previously worked at Tufton Capital Management LLC before joining Janney Montgomery Scott in 2018. Peck serves on the Investment Committee for Pickersgill Retirement Community and participates in nonprofit governance roles, including audit responsibilities for The Society of the Cincinnati of Maryland and board membership at Good Shepherd School. Janney Montgomery Scott 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 with brokerage, financial planning, and advisory services, utilizing both in-house and third-party portfolio management across multiple wrap programs and managed accounts.

Marion Barkley is a Series 66-registered financial advisor with Empower Advisory Group in Pasadena, MD. She has over 19 years of industry experience, including a lengthy tenure at Wells Fargo from 2005 to 2024. Barkley joined Empower Advisory Group and Empower Financial Services, Inc. in 2026. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail clients. The firm’s approach integrates proprietary and third-party methodologies focused on long-term portfolio returns and utilizes an integrated model tied to Empower’s administrative platforms.

William Sterling III is a financial advisor with Commonwealth Financial Network in Columbia, MD, holding a Series 66 designation and 25 years of industry experience. His prior work includes 13 years at PNC Investments Inc. and three years at Cypress Wealth Management. Outside of his advisory role, he is the owner of Sterling III Capital, LLC, a commercial real estate management entity. Commonwealth Financial Network serves a national network of approximately 2,900 advisors and manages about $212.7 billion in client assets. The firm provides a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, third-party asset manager access, and custody and clearing services.

Joseph Walsh is a CFP® with 11 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. He has been with T. Rowe Price since 2014. T. Rowe Price Advisory Services, Inc. offers 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 T. Rowe Price mutual funds and ETFs, with tax-aware rebalancing and Monte Carlo–based financial planning tools.

Charles Beal is a ChFC® credentialed financial advisor with 29 years of industry experience. He has been with Truist Advisory Services since 2016, having previously worked at SunTrust Investment Services. Truist Advisory Services offers investment consulting and advisory services to individuals, business clients, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary and non-discretionary manager relationships and utilizes third-party platforms and AI-enabled research tools to support its investment approach.