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.

Tyler Sturgill is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has 21 years of industry experience. Prior to joining T. Rowe Price, he worked for Kestra Advisory Services, LLC and Kestra Investment Services, LLC for over a decade. Outside of his advisory role, he is the sole member of Clear Canyon Holdings, LLC, a company involved in real estate investment decisions. 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 selected T. Rowe Price mutual funds and ETFs, incorporating tax-aware rebalancing and Monte Carlo simulations in their planning process.

Madeline Ledbury is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds a Series 66 license and joined the firm in 2026. Prior to her current role, she spent several years in education at various institutions, including Hamilton College and Needham High School. T. Rowe Price Advisory Services, Inc. provides a retirement advisory service focused on individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily through T. Rowe Price mutual funds and ETFs. The firm employs asset-location strategies, tax-aware rebalancing, and delivers point-in-time financial plans and annual reviews for enrolled clients.

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.

Amanda Maggio Ramig is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Valic Financial Advisors since 2014. Outside of her advisory role, she coaches middle and high school girls in lacrosse through various organizations, including the Washington Inner City Lacrosse Foundation and Montgomery County Public Schools. 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 UMA models with optional tax and impact overlay services.

Zhiyuan Zhang is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has also been involved with UGCF, Inc. since 2016 and World Financial Group since 2003. Outside of his advisory role, he serves as president of UGCF, Inc., a flow-through entity for tax purposes. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, estates, and charitable organizations. The firm utilizes model portfolios and third-party managers across multiple platforms such as Transamerica ONE and TFA365, with regulatory assets under management of approximately $1.7 billion.

Nyshea Holloday is a financial advisor with Valic Financial Advisors in Linthicum Heights, MD, holding a Series 66 designation and one year of industry experience. Prior to joining Valic Financial Advisors in 2026, she worked at Edward Jones, SS&C Technologies, Swiss Post Solutions, Ricoh USA, and Enterprise Rent-A-Car. Outside of her advisory role, she owns Jemini Kitchen, a catering business serving family and friends. Valic Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services through a large network of advisors, utilizing discretionary unified managed accounts with centralized technology and model-driven solutions.

Steven Dengler is a CFP® professional with eight years of industry experience, currently serving at Kestra Advisory since 2018. Prior to this, he worked at Mariner Finance LLC for one year. In addition to his advisory role, Dengler is a non-credit instructor at Cecil Community College. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including plan design, fiduciary consulting, and employee education. The firm manages approximately $79.8 billion in assets and serves a broad range of clients, including large institutional investors.

Kathleen Nolan is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Her previous roles include positions at LPL Financial and Planning Solutions Group, LLC. She is based in Fulton, MD. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm’s investment approach combines strategic allocation across risk classes with both passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

Deedra Carter is a financial advisor at Valic Financial Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Valic Financial Advisors since 2016. She also serves as a volunteer Insurance Producer with the Maryland Insurance Administration, participating in quarterly meetings on insurance continuing education and qualification matters. Valic Financial Advisors primarily serves U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and unified managed accounts using centralized technology and third-party model managers through its large network of advisors.

William Brandenburg is a financial advisor at TIAA-CREF with the Series 66 designation and 26 years of industry experience. He has been with TIAA-CREF and TIAA since 2005. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm distinguishes between point-in-time financial planning and ongoing discretionary management using model or customized portfolios, and it also serves as adviser to a donor-advised fund sponsored by Charityvest.

Pierce Dahlka 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 Bank of America, Merrill, and other organizations before joining T. Rowe Price. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and investment management primarily for individual investors and households. Their approach combines nondiscretionary goals-based planning, retirement income strategies, and discretionary portfolio management using proprietary mutual funds and ETFs.

Tony Smith Jr. is a ChFC® credentialed financial advisor at Truist Advisory Services with 20 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wachovia Bank, N.A. In addition to his advisory work, he maintains and manages a rental property in Laurel, Maryland. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, using a mix of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Kenneth Watson is a financial advisor with Truist Advisory Services who holds a Series 66 designation and has 17 years of industry experience. He has worked at Truist Advisory Services and its affiliated entities since 2018, following prior roles at BB&T Investments. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation analysis, fiduciary support, and a manager-selection program, implementing advice through a combination of discretionary and non-discretionary arrangements supported by an Equity Research team and supervisory oversight.

Kathleen Hinman is a financial advisor at Kestra Advisory with 18 years of industry experience. She holds the Series 66 designation and previously worked at H. Beck, Inc. for 10 years before joining Kestra in 2020. Outside of her advisory role, she is also a real estate agent, providing administrative support for a real estate business. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a wide range of institutional and individual clients. The firm serves large institutional investors, including sovereign wealth funds, and provides services such as fiduciary consulting, plan design, and third-party managed solutions.

Micah Hart is a financial advisor at Truist Advisory Services with 26 years of industry experience. He holds the CFP® designation along with Series 65 and Series 66 licenses. His career includes roles at Truist and its predecessor firms since 1999. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and consulting supported by AI-enabled research tools and offers specialized programs such as the AMC Advantage for clients seeking third-party manager appointments.

Michael Grossman is a CFP®-certified financial advisor with 13 years of industry experience. He currently works at &PARTNERS and has previously held roles at Wells Fargo Clearing Services LLC, EMSAR, ICSEP, and T. Rowe Price. &PARTNERS serves a diverse client base including high-net-worth individuals, retirement plans, and institutional entities, offering investment management, financial and tax planning, and retirement-plan consulting. The firm employs a variety of analytical approaches and both proprietary and third-party strategies, managing accounts through discretionary and non-discretionary services.

Deborah Kelly is a CFP® with 17 years of industry experience, currently advising at Concurrent Investment Advisors, LLC. She previously worked at Raymond James Financial Services, Inc. for 17 years. Outside of her advisory role, she is president of D&E Kelly Services LLC, a support company unrelated to investment activities. Concurrent Investment Advisors, LLC is an SEC-registered multi-team firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers customized wealth and investment management, financial planning, and retirement plan advisory services, employing a primarily long-term investment approach that includes ETFs, mutual funds, individual securities, and alternative investments.