Johanna Bathurst is a financial advisor with Kestra Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with Kestra Advisory since 2016 and Kestra Investment Services since 2010. Bathurst is the owner of JLB Wealth Management Group, LLC, through which she provides client advising on investment strategies, retirement income planning, budgeting, and savings. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm provides fiduciary consulting, plan-level investment advice, and access to multiple management platforms, serving a range of clients including large institutional investors and sovereign wealth funds.

John Troiano is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 credentials and 27 years of industry experience. He previously worked at Stifel Nicolaus & Co., Inc. for 11 years before joining Janney Montgomery Scott. Troiano serves as an ex officio, non-voting member of the Mann House alcoholism treatment program board, where he explains financial matters. 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 wide client base including individuals, families, trusts, estates, and institutional clients, offering a combination of brokerage, financial planning, and advisory services through various wrap programs and managed accounts.

Jennifer Ryan is a CFP® with 18 years of industry experience. She is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, Connectus Wealth, and The Simmons Partnership. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses. The firm employs a long-term investment approach that integrates active and passive strategies within an enhanced open architecture framework.

Laura Snyder is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing Services LLC and Raymond James & Associates. 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 municipal clients, offering a range of brokerage, financial planning, and advisory services.

Timothy Riley is a financial advisor at HB Wealth with three years of industry experience. He holds a Series 65 credential and previously worked at WMS Partners, LLC, The Home Depot, and Virginia Polytechnic Institute & State University. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers discretionary portfolio management and a multi-strategy investment approach, including both public and private assets, as well as outsourced chief investment officer and institutional advisory services.

Matthew Stuckey is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2019. His prior experience includes roles at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Management. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households, employing model portfolios with tax-aware rebalancing and provides financial plans supported by Monte Carlo simulations and an online planning tool.

Kristopher Olenginski is a CFP® with 19 years of industry experience, currently advising clients at Janney Montgomery Scott since 2009. His credentials include the Series 66 license. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets, serving a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients through a range of brokerage, financial planning, and advisory programs.

Frederick Zeller is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Janney Montgomery Scott since 2015. 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, and advisory services through in-house and third-party portfolio management.

Frederick Creutzer V is a financial advisor with Integrity Alliance, LLC, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has worked at Integrity Alliance since 2017 and operates Creutzer Financial Services, where he sells fixed insurance and fixed annuities. Integrity Alliance is a large advisory network with over 300 independent representatives managing approximately $5.4 billion in assets. The firm serves a diverse client base including individual investors, corporations, and qualified retirement plans, offering portfolio management, financial planning, and both wrap and non-wrap programs through various platforms and advisory approaches.

Paul Sortino is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) based in Timonium, MD. He holds the CFP® designation and securities licenses Series 63 and Series 65, with 18 years of industry experience. His work history includes roles at Worthington Financial Partners since 2010 and Equity Services, Inc. since 2007. Outside of advising, Sortino serves as a general board member and co-chair for the Maryland chapter of the Cystic Fibrosis Foundation. Equity Services, Inc. provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates with multiple advisory platforms, frequently using third-party asset managers and model portfolios, and offers both discretionary and non-discretionary programs.

Zeyn Desai is a financial advisor with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked at T. Rowe Price since 2019 and previously spent six years with PNC Bank and PNC Investments. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management primarily for individual investors and households. Their approach combines nondiscretionary, goals-based planning with discretionary investment management using proprietary mutual funds and ETFs, supported by online tools and telephone access to advisors.

Kevin Balliet is a financial advisor at PNC Wealth Management with two years of industry experience. He has worked at PNC Investments LLC since 2023 and has been with PNC Bank NA since 2019. He holds a Series 66 designation. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an online discretionary model account offered as an invitation-only employee pilot. The firm’s approach involves algorithm-driven portfolio selection and delegation of investment implementation to third parties, using mutual funds and ETFs with annual rebalancing.

Sean Kilcoyne is a CFP® professional with 17 years of experience in the financial services industry. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2014. Outside of his advisory role, Kilcoyne is involved with the International Alliance of Theatrical Stage Employees Local 10 as a stagehand. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing proprietary mutual funds and ETFs. The firm employs model portfolios with tax-aware rebalancing and Monte Carlo simulations through an online tool, serving clients generally with at least $250,000 in investable assets.

Russell Jensen is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with PNC Investments since 2009. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithm-driven risk assessment and third-party managed investment models.

Philip Lo is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining T. Rowe Price, he held positions at Ejji Ramen, Amazon, Instill LLC, Cypriana, and Royal Farms. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households with at least $250,000 in investable assets. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, integrating tax-aware rebalancing and Monte Carlo simulation-based retirement projections.

Martin Kangah Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has two years of industry experience. His prior roles include positions at Kestra Investment Services, MML Investors Services, MassMutual Life Insurance, and Morgan Stanley. T. Rowe Price Advisory Services offers a retirement-focused investment program combining nondiscretionary goals-based planning, retirement income planning, and discretionary investment management. The service utilizes model portfolios composed exclusively of T. Rowe Price mutual funds and ETFs and features annual reviews supported by an interactive online planning tool.

Joshua Rowe is a CFA® charterholder and holds a Series 65 license with seven years of industry experience. He is currently an advisor at HB Wealth, where he has worked since 2025. Prior to that, he spent four years at WMS Partners, LLC, and three years at Orinda Asset Management. Outside of his advisory work, Rowe serves as an adjunct faculty member at Johns Hopkins University, teaching an economics course twice a week. HB Wealth Management is a registered investment adviser providing wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm offers discretionary portfolio management with a capital markets-driven approach and incorporates a combination of quantitative and qualitative due diligence across a range of public and private investment strategies.

Sam Rice is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and three years of industry experience. Prior to his current role, he has held positions at Waverly Golf Club, Wagener Lee LLC, and Towson University. Outside of his advisory work, he serves as a consultant and liquidity partner for Birdland Ventures LLC, a real estate development firm. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management primarily to individual investors and households. The firm uses a goals-based approach combined with discretionary portfolio management invested exclusively in T. Rowe Price mutual funds and ETFs.

Zachary Rutsch is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has been with T. Rowe Price since 2026. His prior experience includes roles at LandCare, Attaboy Brewing, and Stevenson University. Outside of finance, he is involved with Dreamland Christmas Tree Farm LLC and Attaboy Brewing. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The service uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combined with an online planning tool and telephone access to advisors.

Thomas Kenney is a financial advisor at TIAA-CREF with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily for individuals with existing relationships through TIAA-administered employer retirement plans, as well as for trusts, estates, partnerships, and small retirement plans. The firm operates within a vertically integrated group and serves as an adviser to a donor-advised fund.