Roger Young is a CFP® with 15 years of industry experience, currently advising at T. Rowe Price Advisory Services, Inc. since 2017. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he is a musician performing with a local rock band in Maryland. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model portfolio allocations and tax-aware strategies delivered through a combination of online tools and advisor support.

Joel Zapf is a CFP®-certified financial advisor with 18 years of industry experience, currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2019. His prior roles include positions at Ameriprise Financial Services and VZN Group Wealth Management. His outside activities include managing a single-family residential property in Baltimore, MD. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, combining nondiscretionary goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households primarily focused on retirement goals and employs tax-aware rebalancing and Monte Carlo simulations within an online planning platform.

Joseph Killion is a financial advisor at T. Rowe Price Advisory Services, Inc. with 11 years of industry experience. He holds the Series 63 and Series 66 designations and is based in Baltimore, MD. Killion has worked at T. Rowe Price since 2015. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The program serves individual investors and households, using proprietary mutual funds and ETFs with tax-aware rebalancing and Monte Carlo simulation-based planning tools.

Michael Mcclean is a financial advisor at William Blair with 32 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining William Blair in 2021, he worked for Brown Advisory Securities, LLC for 15 years. William Blair’s Private Wealth Management division offers discretionary and non-discretionary investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients. The firm employs an active, research-driven approach across various asset classes and provides proprietary models and access to private funds and co-investment opportunities.

Alexander Vahsen is a financial advisor at T. Rowe Price Advisory Services, Inc. with 11 years of industry experience. He has been with T. Rowe Price since 2014 and holds the Series 66 designation. T. Rowe Price Advisory Services offers a retirement-focused advisory service combining nondiscretionary 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, employs tax-aware strategies, and provides financial plans with Monte Carlo simulations through an online platform.

Thomas Neubauer Jr. is a financial advisor at HB Wealth with nine years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining HB Wealth Management in 2026, Neubauer worked for nine years at T. Rowe Price Associates and spent one year at First Home Mortgage. 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, using a combination of quantitative and qualitative due diligence across a broad range of public and private investment strategies.

Dustin French is a CFP® with 15 years of industry experience, currently affiliated with Empower Advisory Group. His prior roles include positions at Charles Schwab Bank, Charles Schwab, TD Ameritrade Investment Management, and Scottrade. Outside of his advisory work, he serves as a landlord for a rental property in Charlottesville, VA. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to certain retail clients. The firm uses an integrated service model aligned with Empower’s administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Kelly Borth is a financial advisor with Truist Advisory Services and holds the Series 66 designation. She has four years of industry experience, including five years with Truist Investment Services and seven years with the Howard County Public School System. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and extensive inter-affiliate integration.

Stephen Mezzei is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 credentials and has 22 years of industry experience. He has been with T. Rowe Price Investment Services, Inc. since 2008. T. Rowe Price Advisory Services, Inc. offers retirement-focused advisory services 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 minimum investable assets and uses model portfolios alongside an interactive online planning tool.

Adam Wlodarczyk is a financial advisor with Guardian Life and holds Series 65 and Series 63 licenses. He has three years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance. His prior work history also includes positions in accounting and technology firms. 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 corporate clients with brokerage services, financial planning, retirement consulting, and investment advisory programs. The firm offers both discretionary and non-discretionary advisory services and utilizes proprietary and third-party investment models.

Michael Festa is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and 11 years of industry experience. He has worked at T. Rowe Price since 2020 and previously spent six years at Bank of America and Merrill. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management, primarily serving individual investors and households. The firm uses model portfolios invested in proprietary mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations for retirement planning.

Andre Newell is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and 10 years of industry experience. He has worked at T. Rowe Price since 2014 and previously spent three years at Uber. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management, primarily serving individual investors and households with significant investable assets. The firm uses model allocations invested exclusively in T. Rowe Price mutual funds and ETFs and incorporates tax-aware rebalancing and tactical allocation strategies.

Nathan Fuchs is a financial advisor at Empower Advisory Group with two years of industry experience and holds the Series 66 designation. Prior to joining Empower, he worked at T. Rowe Price for six years. He also has experience at AVI Foodsystems and Menchey Music Service, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms and focuses on long-term portfolio returns and clients' savings rates through point-in-time financial plans and optional managed account solutions.

Rudy Santamaria is a Financial Consultant at Fidelity Investments, a role he has held since 2023. Prior to this, he worked at Ameriprise Financial in several capacities including Client Relationship Manager - Retirement Specialist, Client Relationship Manager, and Client Support Associate between 2021 and 2023. Rudy also gained experience as an Analyst at Novus Partners from 2020 to 2021. Rudy's professional focus is on advocating for his clients and their financial goals. He emphasizes understanding each client's overall situation to provide personalized financial guidance and build tailored plans. Outside of his professional responsibilities, Rudy has interests in art, museums, music, outdoor adventures, reading, and theater.

Perry Bacon is a financial advisor with William Blair, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He worked at Brown Advisory Securities, LLC for 17 years before joining William Blair in 2019. He serves as a trustee to the Woodbourne Center Charitable Trust. William Blair’s Private Wealth Management division offers discretionary and non-discretionary investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients, utilizing an active, research-driven approach across multiple asset classes.

Samuel Callard is a financial advisor at HB Wealth with nine years of industry experience. He holds a Series 65 credential and previously worked at WMS Partners, LLC. Outside of his advisory role, he serves as a trustee and chairman of the Investment Committee for the Baltimore Museum of Art. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, and family offices. The firm also offers outsourced chief investment officer and institutional advisory services, managing portfolios using both public and private strategies across a broad range of investment vehicles.

Eric Bland is a CFA® charterholder with 10 years of industry experience. He currently serves as an advisor at HB Wealth Management, LLC, where he has worked since 2025, following a decade-long tenure at WMS Partners, LLC. Bland is a board member and treasurer for Mother Seton Academy, a nonprofit middle school. HB Wealth Management is a registered investment adviser offering 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 employs a combined quantitative and qualitative investment approach across public and private strategies and provides discretionary account management aligned with client objectives.

Randall Robinson is a financial advisor at Equity Services, Inc. He holds Series 63 and Series 66 licenses and has 11 years of industry experience. His prior experience includes roles at Wells Fargo Advisors LLC and Prudential Insurance Company of America. Robinson serves as budget chair for the Mu Rho Chapter of Omega Psi Phi Fraternity. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms using third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading.

Mark Scarborough is a CFP® professional with 21 years of industry experience. He has been with T. Rowe Price Investment Services, Inc. since 2004. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management to individual investors and households, using a combination of nondiscretionary planning and discretionary account management primarily invested in proprietary T. Rowe Price mutual funds and ETFs. The firm employs model portfolios with tax-aware strategies and delivers plans supported by an online interactive tool.

Brandon Monahan is a CFP® with seven years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. His work history includes roles at Bank of America, Merrill, and the Commonwealth of Pennsylvania. He is based in Westminster, MD. 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 with services including brokerage, financial planning, consulting, and multiple advisory programs, utilizing both in-house and third-party portfolio management.