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.

Charles Bubeck is a financial advisor at Commonwealth Financial Network with eight years of industry experience. He holds the Series 66 designation and previously worked for the State of Maryland for five years. In addition to his advisory role, he is involved in fixed insurance sales. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages roughly $212.7 billion in client assets through a range of managed-account programs, third-party asset managers, and custody services.

Christopher Clark Jr. is a Series 66-credentialed financial advisor with 10 years of industry experience, currently serving at VALIC Financial Advisors since 2016. He has held a role at AGIA since 2022. Clark is a board member of Jacob’s Well, Inc., a nonprofit organization in Baltimore City that provides housing and services for mentally challenged community members. VALIC Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer that serves primarily U.S. individuals, including high net worth clients and retirement participants. The firm offers portfolio management, financial planning, and unified managed account programs through a large network of advisors, using a centralized technology platform and model 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.

Gregory Speier Jr. is a financial advisor with Valic Financial Advisors, holding a Series 66 designation and 15 years of industry experience. He has been with Valic Financial Advisors since 2010 and also has a role with Agia. Outside of his advisory work, he volunteers with the Greater Ashburn Young Life Committee and performs as a guitarist on an as-needed basis. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Barton George is a financial advisor with VALIC Financial Advisors, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has worked with VALIC Financial Advisors since 1998 and also serves as an agent with Agia, focusing on non-securities insurance products. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

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.

Joshua Groce is a financial advisor with Valic Financial Advisors and holds Series 63 and Series 65 designations. He has one year of experience in the financial services industry, including prior work at LPL Financial LLC. Before entering the financial sector, he held positions in education and public service. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm manages portfolios through discretionary unified managed accounts and offers financial planning and consulting services supported by a large network of advisors and centralized technology.

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.

David Hodnett is a financial advisor at Carson Wealth with Series 65 credentials and two years of industry experience. He previously worked at Brown Advisory for ten years and has held roles at UPD Consulting and Jacob William Advisory. Outside of his advisory work, he serves on the boards of the Forest Hill Swim and Tennis Club and the University of Maryland Francis King Carey School of Law Alumni Association. Carson Wealth is an SEC-registered enterprise platform managing approximately $50.6 billion through a network of more than 650 advisors. The firm offers a range of services including discretionary asset management, financial planning, and retirement plan management, supported by an Investment Committee that constructs and monitors model portfolios using both fundamental and technical inputs.

Mitchell Whiteman is a financial advisor at William Blair with 24 years of industry experience. He has been with William Blair since 2019 and previously worked at Brown Advisory Securities, LLC for 15 years. He holds Series 63 and Series 66 designations. 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 active, research-driven management strategies across various asset classes and provides clients access to proprietary models, third-party sub-managers, and private investment opportunities.

Sydney Wingate is a financial advisor with T. Rowe Price Advisory Services, Inc. holding Series 63 and Series 66 designations and two years of industry experience. Prior to joining T. Rowe Price in 2024, Wingate worked at Equitable Advisors and Ellin & Tucker. Outside of finance, Wingate is involved with The Blended Essentials, a makers space for crafts such as candles and soaps, serving as a bookkeeper and administrative assistant. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines goals-based planning with an online tool and telephone access to advisors, serving clients generally with $250,000 or more in investable assets.