Benjamin Kujawa is a financial advisor at Eagle Strategies (NY Life) with 13 years of industry experience. He holds Series 65 and Series 63 licenses and has worked with Eagle Strategies and its affiliated firms since 2012. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations across multiple program types and manages a significant portion of its assets on a non-discretionary basis.

Charles Woodbury is a financial advisor with Guardian Life and Park Avenue Securities, holding the ChFC® designation and Series 63 and Series 65 licenses. He has 41 years of industry experience, including over a decade at Guardian Life. Woodbury is active in his community through leadership roles at Towson United Methodist Church, including serving on the Stewardship Committee and chairing the Planned Giving Committee. Park Avenue Securities LLC, a wholly owned subsidiary of Guardian Life, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms, with tailored client relationships supported by a broad range of financial planning and consulting solutions.

John Buscemi is a financial advisor at T. Rowe Price Advisory Services, Inc. with one year of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles prior to joining T. Rowe Price, including positions at B & J Sweeping, Chesacanna, and Red Wing Shoes. 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 asset-location strategies, tax-aware rebalancing, and Monte Carlo-based retirement projections, serving clients primarily through a model portfolio approach.

Kirsten Sandberg is a financial advisor at Mercer Global Advisors Inc. with 23 years of industry experience. Her background includes roles at Fisher Investments, JPMorgan, Merrill, and PNC Bank. She holds Series 63 and Series 65 designations. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering investment advisory, financial, tax, retirement, and estate planning services. The firm’s investment approach is based on Modern Portfolio Theory and focuses on globally diversified, risk-appropriate portfolios implemented through low-cost ETFs, index funds, separate account managers, and other vehicles.

Chad Berman is a Certified Financial Planner (CFP®) with 18 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2026 and previously was employed from 2010 to 2026. Before that, he worked at Wells Fargo Clearing from 2008 to 2010. T. Rowe Price Advisory Services, Inc. offers a retirement advisory program focused on individual investors and households. The service combines nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs, supported by an online planning tool and direct access to financial advisors.

Steven Homans is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and five years of industry experience. His prior roles include positions at the University of Maryland Global Campus and Ashley Addiction Treatment. T. Rowe Price Advisory Services offers retirement-focused financial planning and investment management to individual investors and households, utilizing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines nondiscretionary planning with discretionary account management and emphasizes tax-aware strategies and Monte Carlo simulations in its retirement income projections.

Michele Beernink is a financial advisor with Kestra Advisory in Towson, MD, holding a Series 65 credential and bringing 16 years of industry experience. Her career includes roles at Verdence Capital Advisors, Private Advisor Group, and LPL Financial. She also serves as Director of Private Wealth Services at Capital Financial Partners, LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm offers fiduciary consulting, plan design, and investment advice supported by due diligence, serving a diverse client base that includes large institutional investors and sovereign wealth funds.

Peter Delibro Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with T. Rowe Price Investment Services in various capacities since 2008. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management primarily to individual investors and households, utilizing proprietary mutual funds and ETFs. The firm provides goal-based planning supported by technology and employs tax-aware portfolio management within a structured retirement advisory program.

Frederic Bryant IV is a financial advisor with Janney Montgomery Scott in Towson, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Janney Montgomery Scott since 2002. Outside of his advisory role, he operates two farms as a sole proprietor. 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 and retirement plan sponsors, and charitable organizations, offering brokerage, financial planning, consulting, and multiple advisory programs.

Kelley Coates Carter is a Certified Financial Planner (CFP®) with 10 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2016. She holds Series 63 and Series 66 licenses and works out of Owings Mills, Maryland. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program that combines goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm uses model portfolios invested exclusively in proprietary T. Rowe Price mutual funds and ETFs, applying tax-aware strategies and delivering financial plans and reviews through an online platform with advisor support.

Andrew Chudy is a financial advisor with Cerity Partners LLC, holding a Series 65 designation and 16 years of industry experience. He worked at Maryland Capital Management for 13 years before joining Cerity Partners in 2023. Cerity Partners advises a diverse range of clients including individuals, families, trusts, estates, business entities, charitable institutions, and institutional investors, managing approximately $166.2 billion in assets as of December 31, 2025. The firm offers customized wealth management services that integrate proprietary quantitative methods with third-party strategies and direct security selection, and provides access to alternative and private market solutions for qualified clients.

Antonio Ristaino is a financial advisor with United Planners Financial Services of America, holding the CFP® designation and Series 63 license. He has 43 years of industry experience and has been with United Planners since 2005. Outside of his advisory work, he is the owner of Ristaino Marketing, a marketing company, and serves as an instructor and owner of Federal Training Corporation, which provides teaching and coaching services. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent Investment Adviser Representatives and utilizes a mix of custodians and third-party managers to implement investment and cash-management solutions.

Dorothy Sawyer is a financial advisor at T. Rowe Price Advisory Services, Inc. with 31 years of industry experience. She holds the Series 63 and Series 66 designations and has been with T. Rowe Price since 2011. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm uses model portfolios invested in proprietary mutual funds and ETFs, employing tax-aware rebalancing and Monte Carlo simulations to support planning and account management.

Robert Norman is a financial advisor with Empower Advisory Group based in Baltimore, MD. He holds a Series 66 designation and has six years of industry experience. His prior work includes roles at GWFS Equities, Advised Assets Group, Bank of America, Merrill, and Freedom Mortgage. Norman has also served with the Maryland State Athletic Commission since 2018. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and savings rates through integrated services connected to Empower’s recordkeeping and administrative platforms.

Thomas Brown is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2012 and has been involved with Joseph Klein Associates, LLC since 1983, where he is active in insurance transactions and financial planning. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, providing discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that integrates client goals and risk tolerances with both proprietary and third-party investment strategies.

Michael Cheleuitte is a financial advisor at Truist Advisory Services with 17 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill for nine years. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Jermaine Wright is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds the Series 66 designation and previously worked at Bank of America, Merrill, RE/Max Solutions, and Coldwell Banker. T. Rowe Price Advisory Services, Inc. offers a retirement advisory service focused on individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs model allocations with tax-aware strategies and Monte Carlo simulation–based planning tools, delivering financial plans and ongoing account management for clients meeting minimum asset requirements.

Lindsay Theodore is a CFP® certificant with 19 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2017. Prior to this, Theodore worked at Fidelity Brokerage Services LLC and previously at T. Rowe Price Advisory Services, Inc. from 2010 to 2012. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining goals-based financial planning, retirement income 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 rebalancing and tactical allocations, and delivers planning through an online interactive tool alongside ongoing reviews.

Daniel Kraft is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 credential and beginning his industry career in 2023. His prior work experience includes roles at Thrivent Investment Management Inc., Brothers Services, PJ Fitzpatrick, and several non-financial positions including teaching roles at Liberty High School and Oklahoma Road Middle School. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households focused on retirement. The firm manages portfolios using proprietary T. Rowe Price mutual funds and ETFs with a focus on asset location, tax-aware rebalancing, and tactical allocations.

Sean Sivo is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has six years of experience at T. Rowe Price, following four years at AssuredPartners Benefit Advisors. He is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households, implementing portfolios at the household level using model allocations invested exclusively in T. Rowe Price mutual funds and ETFs.