Michael Hoff is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 65 and Series 66 credentials and 24 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Raymond James Financial Services. Hoff is also the owner of SMH Capital Group, a support company unrelated to investment activities. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory, financial planning, pension consulting, and managed account services.

Mike Fafaul Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has two years of industry experience. Prior to his current role at T. Rowe Price, he worked at Morgan Stanley and also has experience at Johns Hopkins Carey Business School. Outside of finance, he has involvement with professional and collegiate sports organizations. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using model allocations invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines technology-driven planning tools with access to financial advisors and employs tax-aware strategies and Monte Carlo simulations for retirement income projections.

Patrick Farrell is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has 11 years of industry experience, including 15 years with T. Rowe Price. T. Rowe Price Advisory Services offers a retirement advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management for individual investors and households focused on retirement goals. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs and incorporates tax-aware rebalancing and Monte Carlo simulations in its planning process.

Mark Maggio is a financial advisor with Valic Financial Advisors in Linthicum Heights, MD, holding Series 63 and Series 66 designations and over 40 years of industry experience. He has worked at Valic Financial Advisors since 1998 and is also an agent with Agia, where he is involved in non-securities insurance products. 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 to construct client portfolios.

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, New York Life Insurance Company, and Baltimore City Public Schools. 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, typically requiring about $250,000 in investable assets to enroll.

Cora Ingrim is a financial advisor with United Planners' Financial Services of America, holding CFP® and CFA® designations and bringing 32 years of industry experience. She has been affiliated with United Planners and Keating Financial Services since 1999 and 2000 respectively, and is also an independent insurance agent since 1993. In addition to her advisory work, she is a co-owner of a beach rental property in Corolla, NC. United Planners serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates as both a registered investment adviser and broker-dealer, offering an open-architecture platform with multiple custodians and third-party money managers, and features a limited partnership ownership structure where financial professionals hold a majority interest.

Matthew Rodgville is a financial advisor at CWM, LLC with one year of industry experience. He holds a Series 65 credential. His prior work includes roles at Jacob William Advisory, Assured Partners, and Gorfine, Schiller & Gardyn. He also worked with the Tulane University Athletic Department. CWM, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, high-net-worth families, foundations, endowments, corporations, and institutions through a network of over 600 advisors. The firm employs discretionary management using model portfolios overseen by an internal Investment Committee, combining fundamental and technical analysis with third-party sub-advisors and customization tools.

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 financial advisor with Kestra Advisory in Baltimore, MD, holding the ChFC® designation and Series 63 and 65 licenses. He has 38 years of industry experience and has been with Kestra Advisory since 2011. Steinhardt is also the owner and president of Clear Path Advisory and has authored a book. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and provides access to multiple management platforms and third-party managed solutions.

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.

Gavin Gomsak is a financial advisor with Kestra Advisory, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Lincoln Financial Advisors, SFG Wealth Management, and LPL Financial. Outside of finance, he works as a CTE teacher in the public school system. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm serves large institutional investors, including sovereign wealth funds, and utilizes multiple management platforms and third-party solutions within a supervisory framework.

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.

Lane Jerdal is a CFP® professional with 23 years of industry experience, currently serving at Valic Financial Advisors since 2017. He previously worked at Keel Point and Keel Point Capital, LLC from 2008 to 2017. Outside of his advisory role, he is also an agent for non-securities insurance products with Agia. 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 through its broker-dealer operations.

Andrew Jerdal is a financial advisor with Valic Financial Advisors in Linthicum Heights, MD. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. He has been with Valic Financial Advisors since 2000 and also has a role as an agent with Agia. Outside of his advisory work, he holds a minority ownership interest in a restaurant partnership. 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, wrap programs, financial planning, consulting, and brokerage services through its broker-dealer operations.

Jay Schuman is a CFP® with 17 years of industry experience. He 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, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that combines active and passive strategies, separate account managers, private funds, mutual funds, and ETFs.

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.

Jennifer Schmalzer is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and three years of industry experience. She has worked at T. Rowe Price since 2018 and previously held positions at Best Version Media, Murthy Law Firm, and several other firms. T. Rowe Price Advisory Services offers the T. Rowe Price Retirement Advisory Service, which provides goals-based financial planning and discretionary investment management focused on retirement for individual investors and households. The service uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, incorporating tax-aware rebalancing and Monte Carlo simulations for retirement income projections.