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.

Rebecca Hartnett is a financial advisor at Kestra Advisory with 26 years of industry experience. Her prior roles include positions at UBS Financial Services and Morgan Stanley. She holds Series 63 and Series 66 credentials. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients, offering services such as fiduciary consulting, plan-level investment advice, and employee education. The firm manages approximately $79.8 billion in assets and serves diverse clients including sovereign wealth funds.

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.

Brandon Fanelle is a financial advisor at Janney Montgomery Scott with 11 years of industry experience. He holds a Series 66 designation and has been with Janney in various capacities since 2016. Outside of his advisory role, he serves as an adjunct professor at Towson University, teaching a course in the College of Business & Economics. Janney Montgomery Scott LLC is a large enterprise firm managing approximately $110 billion in client assets. It serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, and advisory services.

Sheila James is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and 25 years of industry experience. She has worked with T. Rowe Price and its affiliated entities since 2006. Outside of advising, she operates a travel consulting business, Cruises and Tours Unlimited, which she started in 1988. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm employs a goals-based approach using proprietary mutual funds and ETFs, with financial plans supported by Monte Carlo simulations and ongoing portfolio management.

Erika Hudson is a financial advisor at Empower Advisory Group with seven years of industry experience. She holds Series 65 and Series 63 licenses and has worked previously at Charles Schwab Bank, Charles Schwab & Co., Inc., and TD Ameritrade. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage clients. The firm’s approach includes integrated services utilizing proprietary and third-party methodologies focused on long-term portfolio returns and annual rebalancing.

Eric Borsoni is a financial advisor with Schwab Wealth Advisory holding Series 66 and Series 65 credentials and 23 years of industry experience. His prior roles include positions at Morgan Stanley, Ameriprise Financial Services, and New York Life, along with 30 years of service in the U.S. Marine Corps. He serves on the advisory board of Harlem Lacrosse of Baltimore, is a board member of the Maryland Lacrosse League, and works as an assistant varsity lacrosse coach for Howard County Public Schools. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, using internal research tools and standard asset-allocation models to guide investment decisions.

James Anderson is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses. He has been in the financial services industry since 2026, previously working at Citibank NA and Equinox Holdings, Inc. Outside of finance, he has experience managing several hospitality establishments, including Epstein's Bar LLC and Blanche's Tavern Lucy's. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily serving individual investors and households. The firm’s offerings combine goals-based planning and retirement income strategies with portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, utilizing tax-aware rebalancing and asset-location strategies.

Kevin Belshaw is a CERTIFIED FINANCIAL PLANNER™ professional with 12 years of industry experience. He has worked at United Planners Financial Services of America since 2019 and also operates Tribel Consulting Firm, a consulting services business based in Columbia, MD. Additionally, he has been involved with the Maritime Institute of Technology and Graduate Studies since 2018. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base, including individuals, retirement plans, and institutional clients. The firm employs a mix of custodians, third-party money managers, and platform programs, with a significant portion of assets managed on a non-discretionary basis.

Aeric Alexander is a financial advisor with Equity Services, Inc., holding Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at National Life Group, InvestorPlace LLC, and T. Rowe Price. Alexander is also involved in insurance-related activities, assisting teachers with their benefits and working as an insurance agent. 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 combines long-term investment strategies with multiple advisory platforms and frequently uses third-party asset managers and model portfolios.

Candice Elam is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, E*TRADE Securities LLC, and New York Life Insurance Company. 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 with an emphasis on tax-aware strategies and model allocations tailored to client goals.