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 63 and Series 65 licenses and previously worked at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., and TD Ameritrade, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm’s approach integrates proprietary and third-party planning methods focused on long-term portfolio returns and client savings rates, delivering services through Empower’s administrative platforms.

Eric Borsoni is a financial advisor at Schwab Wealth Advisory with Series 65 and Series 66 credentials and 23 years of industry experience. His prior roles include positions at Morgan Stanley, Ameriprise Financial Services, and New York Life, as well as a 30-year career in the U.S. Marine Corps. Outside of financial services, 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 and financial planning to clients enrolled in its program, using Charles Schwab’s asset-allocation models and internal research tools. The firm guides clients on investment selection and asset allocation while requiring client authorization for trades.

James Anderson is a financial advisor at T. Rowe Price Advisory Services, Inc. with Series 63 and Series 66 credentials. He has one year of industry experience, having previously worked at Citibank NA and Equinox Holdings, Inc. Outside the financial industry, his background includes roles in hospitality and operational positions, as well as work at several academic institutions. T. Rowe Price Advisory Services offers a retirement advisory service focused on individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management with access to online tools and a dedicated advisor. The firm invests exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and model-based allocations tailored to clients’ retirement needs.

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.

Ajaz Rahman is a CFP® with 21 years of industry experience, currently affiliated with T. Rowe Price Advisory Services, Inc. He previously worked at Brookstone Capital Management, Ameriprise Financial Services, Inc., and M&T Bank and M&T Securities. Outside his advisory role, he also engages in selling life insurance and annuities through J D Mellberg. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial 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 strategies and Monte Carlo simulations to support retirement income planning.

Richard Czypinski is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and having eight years of industry experience. He has been with T. Rowe Price since 2017. Outside of his advisory role, he serves as a sound technician for United Church, supporting various speaking and music-related events. 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 portfolio allocations exclusively in T. Rowe Price mutual funds and ETFs with a focus on tax-aware strategies and model-driven investment management.

Kelly Somorin is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and bringing 21 years of industry experience. She has been with T. Rowe Price since 2014. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial 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, supported by an online planning tool and telephone access to advisors.

David Frank is a Certified Financial Planner (CFP®) with 33 years of industry experience. He currently works at &PARTNERS, where he has been since 2024. Prior to that, he spent 12 years at Wells Fargo Advisors and Wells Fargo Clearing. &PARTNERS serves a diverse client base including high-net-worth individuals, institutions, retirement plans, and charitable organizations. The firm offers investment management, financial and tax planning, and fiduciary consulting, utilizing both proprietary and third-party strategies with ongoing monitoring and review.

Tiffany Eley is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and two years of industry experience. Her prior work includes roles at Bank of America and the Automobile Club of Southern California. Outside of financial advising, she works as an independent contractor for Instacart, providing grocery shopping and delivery services. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, primarily using proprietary T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households, emphasizing retirement income planning supported by an online interactive planning tool.

Christopher Lashley is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and three years of industry experience. He has worked at T. Rowe Price since 2019 and has prior experience in education and other fields, including roles at Perry Hall Christian School, Harford Community College, and Towson University. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households and employs model portfolios with tax-aware strategies, providing online tools and telephone access to advisors.

Samuel Hulett is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining T. Rowe Price, he worked at United Rentals for three years and has held various roles including at Latitude Inc and the Hurricane Junior Golf Tour. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households using proprietary T. Rowe Price mutual funds and ETFs. Their program combines telephone access to advisors, online planning tools, and model portfolio allocations designed to support retirement goals.

Carol Hess is a financial advisor at Janney Montgomery Scott with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Janney since 2009. Hess serves as a member of the board for the Hebrew Burial Society in Towson, MD. 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 range of clients including individuals, families, trusts, estates, and institutional sponsors, offering a variety of brokerage, financial planning, and advisory services.

Hyungwook Lee is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He has held previous roles at PNC, ENI, AXI Remodeling Inc., and Keller Williams. T. Rowe Price Advisory Services offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, typically requiring about $250,000 in investable assets to enroll.

Robert Skaare II is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63, 65, and 66 credentials and possessing 29 years of industry experience. He has been with T. Rowe Price since 2012. Outside of his advisory role, he works as a contractor and referee for the Southeastern Hockey Officials Association across MD, VA, PA, and DC. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, employing a model portfolio approach invested exclusively in proprietary T. Rowe Price mutual funds and ETFs, supported by an interactive online planning tool.