Joseph Harsel is a CFP®-certified financial advisor with 15 years of experience, currently with Valic Financial Advisors since 2011. He also serves as Managing Director of Social Impact Partners, LLC, where he consults on personal and corporate social engagement strategies. Additionally, he is involved in seasonal rental property management in Florida and Delaware. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Rachel Gabriszeski is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience and a Series 66 designation. She has been with T. Rowe Price since 2018 and has prior experience working in fitness and the food service industry. T. Rowe Price Advisory Services, Inc. offers a retirement advisory service focused on individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs. The firm employs a combination of tax-aware strategies and Monte Carlo simulations through an online tool to support clients’ retirement goals.

Samuel Petti is a financial advisor with T. Rowe Price Advisory Services, Inc. holding a Series 66 credential and three years of industry experience. Prior to joining T. Rowe Price, he worked at Edge of Distinction Landscaping and Sunset Cove Restaurant. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program 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 with investable assets generally starting at $250,000, providing financial plans and investment management supported by online tools and telephone access to advisors.

Kevin Mc Hugh is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes a role at the University of Baltimore and experience in contracting and education before joining T. Rowe Price. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm uses model allocations invested exclusively in proprietary T. Rowe Price mutual funds and ETFs, employing tax-aware rebalancing and Monte Carlo simulations to generate financial plans and retirement income projections.

Brendan Sweeney is a CFA® charterholder and holds a Series 65 license with 16 years of industry experience. He has worked at Cerity Partners LLC since 2023 and previously spent 12 years at Maryland Capital Management, LLC. Brendan is based in Towson, MD. Cerity Partners is an SEC-registered investment adviser serving a broad client base including individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolios.

Christina Garland is a CFP® with 10 years of experience in financial advising. She is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, LLC, Connectus Wealth, and Horan Capital Management, LLC. Focus Partners Wealth serves a wide range of clients including individuals, high-net-worth families, corporate, and institutional clients, offering investment management, financial counseling, family office services, and retirement plan fiduciary services. The firm utilizes a long-term, tax- and fee-sensitive investment approach combining fundamental and quantitative analysis with third-party managers and offers a broad platform of affiliated service companies and product relationships.

Andrew Meredith is a CFP® professional with 28 years of industry experience. He is currently with Janney Montgomery Scott, having joined the firm in 2021. Prior to that, he worked at Bank of America and Merrill, where he held positions from 1998 through 2021. 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 individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of advisory and brokerage services supported by in-house and third-party portfolio management.

Jasmine Byrd is a financial advisor at T. Rowe Price Advisory Services, Inc. with six years of industry experience. She has been with T. Rowe Price since 2019 and previously worked in media roles at Maryland Public Television and CBS Radio/Entercom Radio. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm employs a goals-based approach using proprietary mutual funds and ETFs, offering personalized plans supported by online tools and financial advisor access.

Robert Hill is a CFP® professional with 12 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked in various roles since 2011, with prior experience at Bank of America and Merrill. T. Rowe Price Advisory Services offers a retirement advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily through proprietary mutual funds and ETFs. The firm serves individual investors and households focused on retirement goals with model portfolios, online planning tools, and ongoing advisory support.

Christopher Photiou is a CFP® with 26 years of industry experience and has been with T. Rowe Price Advisory Services, Inc. since 2006. He is also a podcast host and content creator, producing online content titled "The Greatest Non-Hits." T. Rowe Price Advisory Services offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households with roughly $250,000 or more in investable assets, providing financial plans and annual reviews supported by an interactive online tool.

Lyubov Sidorova is a financial advisor with Empower Advisory Group, holding a Series 66 designation and bringing 10 years of industry experience. She previously worked at T. Rowe Price for a decade before joining Empower in 2025. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to retail brokerage account holders, using an integrated model connected to Empower’s recordkeeping and administrative platforms.

Harrison Rafiq is a financial advisor at HB Wealth with a Series 65 credential and three years of industry experience. He has worked at HB Wealth Management since 2025 and previously held positions at WMS Partners, RF Industries, Morgan Stanley, and Charles A. Pastrana & Son's. 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 services, combining quantitative and qualitative due diligence across a range of public and private strategies.

Tyler Sturgill is a financial advisor with T. Rowe Price Advisory Services, Inc. and holds Series 63 and Series 65 licenses. He has 21 years of industry experience, including ten years at Kestra Advisory and eleven years with Kestra Investment Services. He is the sole member of Clear Canyon Holdings, LLC, a company involved in real estate investments. 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.

Paul Tomick is a financial advisor with Janney Montgomery Scott in Towson, MD. He holds Series 65 and Series 66 licenses and has 25 years of industry experience, including 24 years with Janney. He serves as an advisory board member for Pressley Ridge, a nonprofit organization assisting foster care youth with the transition to independent living. Janney Montgomery Scott LLC is a large enterprise firm managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, and institutional sponsors, offering brokerage, financial planning, and advisory services through a combination of in-house and third-party portfolio management.

Christopher Sheeler is a financial advisor at PNC Wealth Management in Timonium, MD, with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Edward Jones, New York Life, and Eagle Strategies LLC. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithm-driven risk assessment and invests via mutual funds and ETFs managed by PNC or third parties.

Trevor Dunn is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and four years of industry experience. He has worked at T. Rowe Price since 2021 and has held various roles in other companies including United Parcel Service and Autani. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households with at least $250,000 in investable assets. Their offerings combine goals-based planning, retirement income projections using Monte Carlo simulations, and portfolios invested exclusively in T. Rowe Price mutual funds and ETFs.

Eric Seale Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 19 years of industry experience. His career includes 17 years at T. Rowe Price Investment Services, Inc. before joining T. Rowe Price Advisory Services in 2026. T. Rowe Price Advisory Services offers retirement-focused 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, employing tax-aware strategies and Monte Carlo simulations for retirement income projections.

Christopher Browne is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 19 years of industry experience. He has been with T. Rowe Price Investment Services, Inc. since 2006. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management for individual investors and households. Their approach utilizes proprietary mutual funds and ETFs, model portfolio allocations, and incorporates tax-aware strategies and Monte Carlo simulation-based planning tools.

William Morrison is a CFP® and ChFC® with 22 years of experience in financial advisory services. He is currently with CWM, LLC, where he has worked for 10 years, and has held roles at Jacob William Advisory and Jacob William, Inc. Morrison serves as an adjunct professor at Towson University and is a board member for both the University of Baltimore Foundation and the Pro Bono Counseling Project. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm offers portfolio management, financial planning, retirement-plan services, and employs a discretionary management approach using model portfolios governed by an in-house Investment Committee.

Louis Foxwell is a CFA® charterholder with four years of industry experience, currently serving as a financial advisor at Focus Partners Wealth, LLC. Prior to this role, he worked at The Colony Group, LLC, and Connectus Wealth. Focus Partners Wealth serves a diverse range of clients including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions. The firm employs a long-term, tax- and fee-sensitive investment approach featuring enhanced open architecture, fundamental and quantitative analysis, and an extensive network of affiliated service companies offering various financial and insurance solutions.