Mark Shusterman is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and having four years of industry experience. Prior to joining T. Rowe Price, he worked with D.C. United and the Philadelphia 76ers. Outside of finance, he works part-time as a delivery driver for DoorDash. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management for individual investors and households, using proprietary mutual funds and ETFs alongside an online planning tool and telephone advisor access.

Christopher Walczak is a CFP® professional with 15 years of experience in wealth management. He currently works at HB Wealth Management, LLC and has previously held roles at WMS Partners, LLC, Genspring - SunTrust Private Wealth/SunTrust Bank, and GenSpring Family Offices, LLC. HB Wealth Management is a registered investment adviser that serves individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm employs a discretionary investment approach combining quantitative and qualitative due diligence across public and private strategies, and offers outsourced chief investment officer and institutional advisory services.

Thuc Phan is a CFP®-designated financial advisor with 11 years of industry experience, currently with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD. He has been with T. Rowe Price in various roles since 2016. T. Rowe Price Advisory Services offers the Retirement Advisory Service to individual investors and households focused on retirement goals, providing nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily through proprietary mutual funds and ETFs. The program includes financial planning with Monte Carlo simulations and manages accounts on a discretionary basis once clients enroll and accept the investment proposal.

Todd Garliss Jr. is a financial advisor at Janney Montgomery Scott with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously spent 13 years with Corbyn Investment Management. He serves as a board member for the Fellowship of Christian Athletes in Hunt Valley, 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, offering brokerage, financial planning, consulting, and advisory programs through a combination of in-house and third-party portfolio management.

Mc Kenzie Lannon is a CFP® with seven years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. since 2026. Prior to joining T. Rowe Price, Lannon spent eight years with United Capital Financial Advisors and has experience in both the financial and retail sectors, including a role at Blenders Eyewear. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, serving individual investors and households primarily using proprietary T. Rowe Price mutual funds and ETFs. The firm distinguishes itself by its specific regulatory status, focused client base, and reliance on electronic processes for enrollment.

Christina Snyder is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Carson Wealth. She has held roles at Jacob William Advisory, CWM, LLC, Hornor Townsend & Kent Inc, and Penn Mutual Life Insurance. Outside of her advisory work, Christina is involved in several community and professional organizations, including serving as Co-President of Women in Insurance & Financial Services and as a board member of the Hearing & Speech Agency of Baltimore. CWM, LLC is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and approximately $50.6 billion in assets under management. The firm provides services such as discretionary asset management, financial planning, and retirement plan services, supported by a dedicated investment committee and a range of tailored portfolio solutions.

Steven Eyler is a Certified Financial Planner (CFP®) and Series 66 license holder with 12 years of industry experience, all of which has been with T. Rowe Price Advisory Services, Inc. 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 exclusively with T. Rowe Price mutual funds and ETFs, and employs tax-aware strategies alongside Monte Carlo-based financial planning tools.

Joshua Joseph is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has three years of industry experience. Prior to joining T. Rowe Price, he worked at JJO Gaming and Bank of America, N.A. He also has experience at Merrill and in other roles outside the financial industry. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, which combines goals-based financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households with a focus on retirement, implementing portfolios using proprietary mutual funds and ETFs and employing tax-aware strategies and Monte Carlo simulations for financial planning.

Ryan Cain is a financial advisor at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Wells Fargo, and Aerotek. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, using asset-location strategies and tax-aware rebalancing with account management on a discretionary basis.

Andrew Kelen is a CFP® and CFA® with 14 years of industry experience. He has been with Equity Services, Inc. since 2012 and is also affiliated with National Life. Outside of his advisory role, he serves as an agent licensed to sell life and health insurance through Worthington Financial Partners and holds director positions focused on insurance services at Sortino Financial Group and Sortino Financial LLC. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, frequently employs third-party asset managers, and combines long-term investment strategies with options for shorter-term trading.

James Lohrmann is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining T. Rowe Price in 2021, he worked at Renegade Productions Inc. and ChristLife Inc. T. Rowe Price Advisory Services offers a retirement advisory program focused on individuals and households with retirement goals. The service combines goals-based financial planning, retirement income planning, and discretionary investment management, utilizing proprietary mutual funds and ETFs with a range of model allocations.

Myles Mccomas III is a financial advisor at T. Rowe Price Advisory Services, Inc. with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with T. Rowe Price since 2010. T. Rowe Price Advisory Services provides a retirement-focused financial planning and investment management service for individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combining nondiscretionary planning with discretionary management and online tools for retirement income planning.

Nicholas Sigismondi is a financial advisor with Valic Financial Advisors holding a Series 66 designation and three years of industry experience. Prior to joining the firm, he worked for Baltimore City Public Schools for seven years. Outside of finance, he is a musician who regularly plays with his band, releasing music on platforms like Spotify and Bandcamp. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors.

Lukas Mihailovich is a financial advisor at &PARTNERS with a Series 66 designation and two years of industry experience. He previously worked at Wells Fargo Clearing and South River Mortgage in various roles. &PARTNERS serves a diverse client base that includes individuals, institutions, retirement plans, charitable organizations, and private businesses, offering investment management, financial and tax planning, ERISA consulting, and brokerage services through both discretionary and non-discretionary portfolios.

Damon Cherry is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has three years of industry experience. His background includes roles at ClearOne Advantage and multiple positions at Towson University. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm employs tax-aware strategies and Monte Carlo simulations to assist individual investors and households in managing their retirement assets.

Richard Fernandez is a CFP® professional with 28 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He has been with T. Rowe Price Investment Services, Inc. since 1999. T. Rowe Price Advisory Services offers a retirement-focused advisory program 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, applies tax-aware rebalancing, and employs Monte Carlo simulations for retirement income projections.

Matthew Wells is a CFP®-credentialed financial advisor with 11 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc. and previously worked at Northwestern Mutual Investment Management and the Keller Williams Realty Centre as a licensed real estate agent, though he currently does not engage in real estate activities beyond receiving referral compensation. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households, using proprietary mutual funds and ETFs along with tax-aware strategies and an interactive online planning tool.

Cecil Rockhill is a financial advisor at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He has been with T. Rowe Price since 2017 and previously worked at Merrill for one year. He holds the Series 66 designation. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service that combines goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm implements portfolios using proprietary T. Rowe Price funds and employs strategies such as tax-aware rebalancing and Monte Carlo simulations to generate retirement income projections.

Michael Bay is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and one year of industry experience. His prior work includes roles at Merrill and Year Up United. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement. The firm combines goals-based financial planning and discretionary investment management using proprietary mutual funds and ETFs, offering personalized retirement income planning supported by an online planning tool and telephone access to financial advisors.

Keith Brennan is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2013. He holds Series 63 and Series 66 licenses and is based in Owings Mills, MD. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management, primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing tax-aware strategies and model portfolio allocations tailored to client needs.