Christopher Ozazewski is a CFP® with 32 years of experience in the financial services industry. He is currently with Janney Montgomery Scott LLC, where he has worked since 2019. His prior experience includes positions at Wells Fargo Clearing, Citigroup Global Markets, and Legg Mason Wood Walker. He also serves as a FINRA arbitrator in Washington, DC, dedicating time to resolving cases involving investors and the securities industry. Janney Montgomery Scott LLC is a large enterprise firm managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, estates, corporations, and municipal clients, offering brokerage, financial planning, consulting, and advisory services supported by in-house and third-party portfolio management.

Patrick Farrell is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has 12 years of industry experience. Farrell has been with T. Rowe Price since 2011. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households, using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, supported by an online planning tool and financial advisor access.

John Alberto is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has six years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company. T. Rowe Price Advisory Services provides 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 employs tax-aware strategies and offers interactive planning tools alongside telephone access to advisors.

Matthew Rodgville is a Series 65 licensed financial advisor at Carson Wealth with one year of industry experience. His prior roles include positions at Jacob William Advisory and Assured Partners, as well as involvement with the Tulane University Athletic Department. CWM, LLC operates as an SEC-registered investment adviser managing approximately $50.6 billion through a network of over 650 advisors. The firm serves corporate, institutional, and high-net-worth clients, offering discretionary asset management, financial planning, and retirement plan services, supported by an Investment Committee that oversees model portfolios and tailored investment solutions.

Anthony Carleton is a CFP®-certified financial advisor with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD, with 10 years of industry experience. He has been with T. Rowe Price since 2015. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations to support retirement income planning.

Mark Rau is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds the Series 66 designation and has been with TIAA-CREF since 2013. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and includes management of a donor-advised fund.

Donald Adam is a CFA® charterholder affiliated with TIAA-CREF in Baltimore, MD. He has been with TIAA since 2011 and with TIAA-CREF since 2025, holding a Series 63 license. Adam serves on the investment committee of Archbishop Curley High School, acting as a liaison between the school board and the endowment’s investment manager. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing relationships through TIAA-administered retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through model and customized portfolios.

Michael Steinhardt is a ChFC® credentialed financial advisor with 39 years of industry experience, currently practicing at Kestra Advisory. He has been with Kestra Advisory since 2011 and previously worked at Mass Mutual Investors Services. Outside of his advisory work, Steinhardt is the author of a book and serves as owner and president of Clear Path Advisory, where he provides consulting, insurance, and investment advisory services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a mix of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, employee education, and advisor-managed accounts, supporting its recommendations with due diligence on performance, fees, and investment processes.

Grant Palmer III is a financial advisor at Mariner with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mariner since 2026. Prior to this, he spent 15 years at Waypoint Wealth Management and has been a partner and shareholder at Callan & Palmer LLP, an accounting firm, since 1988, where he devotes part of his time to CPA practice. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, and coordinated tax services. The firm employs customized discretionary portfolios supported by in-house research and third-party managers, with notable integration of tax and accounting capabilities uncommon for a firm of its size.

Grier May is currently a Branch Leader at Fidelity Investments, a role held since 2024. Prior to this, Grier served as Assistant Branch Leader at Fidelity Investments from 2022 to 2024 and as a Planning Consultant from 2020 to 2022. Grier's financial services career also includes positions such as Financial Advisor and Vice President - Investments at Chapin Davis Investments, and various roles at T. Rowe Price including Global Client Investment Reporting Specialist and Participant Service Center Specialist. Throughout this career, Grier has developed expertise in investment advising and branch leadership, focusing on coaching associates and fostering strong team relationships to support clients' financial goals. Outside of work, Grier has interests in fitness, movies, pets, reading, traveling, and volunteering.

Vytas Rivers is a CFP®-credentialed financial advisor at T. Rowe Price Advisory Services, Inc. with eight years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for six years and served with the U.S. Capitol Police for eight years before entering the financial sector. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining nondiscretionary financial planning with discretionary investment management using proprietary mutual funds and ETFs. The firm emphasizes retirement income planning supported by technology-driven simulations and typically serves clients with investable assets around $250,000.

Jay Schuman is a CFP® professional with 18 years of industry experience, currently serving at Focus Partners Wealth, LLC. His career includes roles at The Colony Group, Connectus Wealth, Horan Capital Management, and T. Rowe Price Advisory Services. Focus Partners Wealth, LLC provides wealth management and advisory services to individuals, high-net-worth families, family offices, and institutional clients. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Michael Crumley III is a financial advisor at Private Advisor Group, LLC with six years of industry experience. He holds a Series 66 designation and has worked at firms including LPL Financial, SFG Wealth Management, and Synergy Financial Group. Crumley also provides investment advisory services through a hybrid registered investment advisor model at Private Advisor Group. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with portfolio management, financial planning, retirement plan consulting, and access to a range of managed account solutions and third-party investment platforms. The firm employs a fiduciary-based advisory model that uses various investment strategies and technology platforms to tailor solutions to client goals and risk tolerances.

Donna Barksdale is a financial advisor at Truist Advisory Services with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at various SunTrust affiliates since 2015. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, utilizing a mix of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Brian Muhitch is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining T. Rowe Price's advisory service in 2026, Muhitch worked in various roles at T. Rowe Price from 2017 to 2026, as well as positions in public education and the private sector. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program for individual investors and households combining goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs model portfolios with tax-aware rebalancing and uses an online planning tool with Monte Carlo simulations, providing annual reviews and ongoing account management.

Jennifer Schmalzer is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds Series 63 and Series 66 credentials and has three years of industry experience. Prior to joining T. Rowe Price, she worked at several firms including Best Version Media and the Murthy Law Firm. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, which combines nondiscretionary financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm uses proprietary mutual funds and ETFs along with a goals-based approach supported by an online planning tool and telephone access to advisors.

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.