Brandon Kriebel is a CFA® charterholder with five years of industry experience and has been with T. Rowe Price Associates, Inc. since 2007. He is based in Baltimore, MD. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management focused on retirement goals. The firm uses model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations to deliver point-in-time financial plans and ongoing reviews.

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.

William Crossan III is a financial advisor with Guardian Life and holds Series 63 and Series 65 licenses. He has 16 years of industry experience, including roles at New York Life Insurance Company and Eagle Strategies before joining Guardian Life and Park Avenue Securities. Outside of his advisory work, he is involved with Campfire Culture, a life coaching business. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporations. The firm offers brokerage, financial planning, retirement consulting, and advisory programs, utilizing both proprietary and third-party models.

John Blair is a Certified Financial Planner (CFP®) with 25 years of industry experience. He currently works at Cerity Partners LLC and previously spent 18 years at Maryland Capital Management, LLC. Cerity Partners is an SEC-registered investment adviser serving a diverse 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, retirement plan services, and access to alternative and private-market investments, with a focus on diversified asset allocation and customized portfolios.

Martin Eby is a CFP® with 32 years of experience in the financial advisory industry. He has worked at HB Wealth since 2025 and previously spent 31 years at WMS Partners, LLC. He serves as Chairman of the Investment Committee and a board member for Cristo Rey, a nonprofit organization. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm employs a combined quantitative and qualitative investment approach across a broad range of public and private strategies.

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.

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.

Terese Hopper is a financial advisor at PNC Wealth Management with seven years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America, N.A. and Merrill. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an online discretionary model account available by invitation to PNC Bank employees. The firm employs algorithm-driven portfolio recommendations and delegates investment implementation and proxy voting to third parties.

Daniel Fuqua is a financial advisor with Empower Advisory Group in Abingdon, MD, holding a Series 66 designation and six years of industry experience. He previously worked at Edward Jones and Anderson of Hunt Valley LLC. Outside of his advisory role, he operates an eBay business selling personal items such as clothing, sports cards, and comics. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s services emphasize long-term portfolio returns and are closely integrated with Empower’s recordkeeping and administrative platforms.

Todd Wickwire is a financial advisor with HB Wealth who holds Series 63 and Series 65 licenses and has 32 years of industry experience. His prior roles include positions at WMS Partners, LLC and Wells Fargo Securities, LLC. He is also an adjunct professor at Loyola University Maryland. HB Wealth Management provides 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 client objectives, incorporates a capital markets outlook, and utilizes a comprehensive investment process that includes both public and private strategies.

David Hunter is a CFA® charterholder with 13 years of industry experience, currently serving at Brown Advisory in Baltimore, MD. He has been with Brown Investment Advisory & Trust Company since 2007. Brown Advisory provides investment management and advisory services to a diverse client base, including high net worth individuals, institutions, and charitable organizations. The firm employs a bottom-up, fundamental research process to construct concentrated portfolios and offers a range of strategies, including sustainable investing and private-fund programs.

Thomas Rogers is a financial advisor at William Blair with six years of industry experience. He holds a Series 66 designation and has worked at William Blair since 2021, following four years at Brown Advisory. William Blair’s Private Wealth Management division offers investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients. The firm employs active, research-driven management across multiple asset classes and provides access to proprietary models, sub-advisory arrangements, and private investment opportunities.

Kali Lambert is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and two years of industry experience. Prior to joining Janney, she worked at Raymond James & Associates and Morgan Stanley. Outside of her advisory career, she is involved with Rev Cycle Studio and FS8 Pilates. 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 sponsors, and municipal clients, offering services such as brokerage, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Michele Hartman is a CFP® professional with 15 years of industry experience, currently affiliated with Commonwealth Financial Network since 2015. She also owns Michele Hartman Financial Services, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and back-office support, including investment management, compliance, and practice-management services.

Ryan Flanders is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. He has worked at Commonwealth since 2018 and previously was affiliated with 1st Global Advisors, Inc. and 1st Global Capital Corp. Outside of his advisory role, Flanders is involved in tax preparation and accounting through his ownership of David A Flanders CPA, LLC. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and customized investment solutions, while providing operational, trading, technology, compliance, and practice-management support to affiliated advisors.

Kevin Pittman is a Series 66-licensed financial advisor at Voya Financial Advisors, Inc. with 20 years of industry experience. He previously worked at Nationwide Investment Services Corporation for 10 years before joining Voya Financial Advisors. Voya Financial Advisors, Inc. serves a diverse client base including individual investors, retirement plan sponsors, charitable organizations, corporations, and high-net-worth clients. The firm provides financial planning, portfolio management, and other advisory services through multiple program structures, emphasizing recommendation-based advice delivered primarily via non-discretionary arrangements.

Kaitlyn Rothaus is a CFP® professional at Kestra Advisory with one year of industry experience. Prior to joining Kestra Advisory, she worked at Mosaic Asset Partners for three years and has experience in educational institutions including Johns Hopkins University and The SEED School of Maryland. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party managed solutions.

Jason Zephir is a financial advisor at Empower Advisory Group with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank SSB, Charles Schwab & Co., Ameriprise Financial Services, Merrill, and Bank of America. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, utilizing an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates while serving a large participant base relative to its advisor headcount.

Stacy Albrecht is a financial advisor at Janney Montgomery Scott with 12 years of industry experience and holds a Series 66 designation. She has worked at Janney Montgomery Scott since 2010 in various roles. Outside of advising, she serves as a notary for Janney clients. 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, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, consulting, and multiple advisory programs.