Joshua Sacks is a CERTIFIED FINANCIAL PLANNER™ with 10 years of industry experience. He has worked at MAI Capital Management, LLC since 2025 and previously spent nine years with Lowe Wealth Advisors, LLC. MAI Capital Management, LLC provides discretionary and non-discretionary investment management, wealth management, retirement plan consulting, and family-office services to individuals, families, sports professionals, trusts, and institutional clients. The firm manages a broad range of strategies across equity, fixed income, ETFs, and private investments and integrates financial planning and tax services within many client relationships.

James Maher Jr. is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds the Series 66 designation and has previously worked at firms including Rec Room and SCO Wealth Management. Outside of his advisory role, he works as a bartender at Towson Tavern/Rec Room in Towson, MD. 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 technology-driven planning tools with access to financial advisors and employs tax-aware strategies and Monte Carlo simulations for retirement income projections.

Lois Robinson is a financial advisor at Money Concepts Capital Corp with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Money Concepts Capital Corp since 2012. Additionally, she has been associated with Aim since 2011. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a variety of managed programs and portfolio strategies, using fundamental and technical analysis alongside modern portfolio theory to guide asset allocation and account rebalancing.

Robert Clay is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 credentials and over 35 years of industry experience. He has worked at firms including Paladin Advisor Group, Mass Mutual Investors Services, and MetLife Securities, and has been self-employed since 1991. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios, offering education and support services such as seminars, personalized retirement planning, and separation counseling.

Kevin Parker Jr. is a financial advisor at Valic Financial Advisors with 12 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work experience includes roles at MML Investors Services, MassMutual Life Insurance, Equitable Advisors, and LPL Financial, among others. Outside of finance, he has been involved with Pronghorn Elite Training for three years. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm employs discretionary unified managed accounts through Envestnet’s platform and offers portfolio management and financial planning services via a large network of advisors.

Tiffany Crosley is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds a Series 66 designation and has four years of industry experience. Her previous roles include positions at J.P. Morgan Chase Bank, J.P. Morgan Securities, Merrill, and New York Life Insurance Company. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households focused on retirement goals. The firm combines goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs, supported by an online planning tool and telephone access to advisors.

Brian Malone is a financial advisor at T. Rowe Price Advisory Services, Inc. with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at PNC Private Bank, JPMorgan Chase Bank, Edward Jones, and Ridgeworth Capital Management. Malone is based in Baltimore, MD. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. The firm uses model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, combining goals-based planning, tax-aware rebalancing, and Monte Carlo simulation tools.

Thomas Bracken is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining T. Rowe Price, he worked at Winters Run Golf Club and Auburn University. T. Rowe Price Advisory Services offers the Retirement Advisory Service, which provides goals-based financial planning and discretionary investment management focused on retirement for individual investors and households. The firm employs model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, supported by online tools and access to financial advisors.

Andre Brown 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 Bank of America and Merrill. Brown's background also includes academic experience at George Mason University and roles outside finance. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management for individual investors and households. Their approach combines goals-based planning, tax-aware portfolio management using proprietary mutual funds and ETFs, and annual financial reviews delivered through both advisor support and online tools.

Joel Houck is a financial advisor at HB Wealth with 21 years of industry experience. He holds the CFP®, CFA®, and Series 63 designations. Prior to joining HB Wealth in 2025, he worked at WMS Partners, Cicero Capital Partners, and Wells Fargo Securities. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm’s investment process integrates quantitative and qualitative due diligence across public and private strategies and includes managing registered investment companies and affiliated private funds.

Penelope Spees is a CFP® professional with 26 years of industry experience, currently serving at VALIC Financial Advisors since 2000. She also holds Series 63 and Series 65 licenses and has been an agent at Agia since 2022, involved in non-securities insurance products. VALIC Financial Advisors, Inc. is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and unified managed accounts through a large network of advisors and utilizes centralized technology and model solutions to support its extensive client base.

Dante Chestnut is a CFP® professional with eight years of industry experience. He has worked at T. Rowe Price Advisory Services, Inc. since 2017 and previously spent four years at Beltway Companies. He holds Series 63 and Series 66 licenses. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management for individual investors and households, utilizing proprietary mutual funds and ETFs. The firm combines nondiscretionary planning with discretionary portfolio management and emphasizes tax-aware strategies and model allocations tailored to client goals.

William Andrews Jr. is a financial advisor at TIAA-CREF with 30 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Stifel for 20 years. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm operates within a vertically integrated structure and offers a range of advisory services including customized portfolio management and donor-advised fund advisory.

Joshua Pratta is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Truist Advisory Services, where he has worked since 2021, and has prior experience at Merrill Lynch, Pierce, Fenner and Smith, Inc., and BB&T Securities. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm offers a range of services including asset allocation, fiduciary support, and a manager-selection program that integrates discretionary and non-discretionary strategies, supported by third-party platforms and AI-enabled research tools.

Anton Daire is a Series 66-licensed financial advisor with T. Rowe Price Advisory Services, Inc., where he has worked since 2026. His prior experience includes roles at Merritt Point Wealth Advisors, Life Time, and several other organizations. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households, combining nondiscretionary goals-based financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm emphasizes model allocations tailored to client households and uses tax-aware strategies alongside an interactive online planning platform.

Lauren Kobel is a financial advisor with Janney Montgomery Scott and holds a Series 66 designation. She has one year of industry experience and previously worked at Bonobos and Nordstrom. Janney Montgomery Scott LLC is a large 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 services, financial planning, consulting, and multiple advisory programs.

Megan Belliveau is a financial advisor with HB Wealth Management and holds a Series 65 designation. She has two years of industry experience, including time at WMS Partners, LLC. Outside of finance, she works as a football official and support staff for various football organizations, including the Maryland Board of Football Officials and the National Football League, during the football season. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm employs a combined quantitative and qualitative investment process and offers discretionary portfolio management aligned with clients’ objectives and risk tolerance.

Matthew Klatsky is a financial advisor at &Partners with 24 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Klatsky is also the managing member of an investment-related LLC that owns shares in the &Partners holding company. &Partners serves a diverse range of clients, including high-net-worth individuals, retirement plans, charitable organizations, and private businesses. The firm offers investment management and financial planning services using a combination of fundamental, technical, and quantitative analysis, with accounts managed directly by advisors or through third-party managers.

George Jankiewicz Jr. is a CFP® professional with over 31 years of industry experience, currently affiliated with United Planners' Financial Services of America as a Limited Partner. He has held roles at Federal Training Corporation and The Phoenix Group, and he owns a CPA practice specializing in tax preparation and accounting. He is also involved in teaching and coaching through his ownership in Federal Training Corporation and as an instructor with The Phoenix Group. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individuals, retirement plans, corporations, and trusts. The firm employs independent Investment Adviser Representatives and offers a mix of custodial and third-party management solutions, with a notable focus on non-discretionary account management.

Erin Hogan is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and 21 years of industry experience. She has worked at T. Rowe Price since 2018, following three years at AXA Advisors LLC. Outside of her advisory role, she serves as Treasurer for a family-owned construction business. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm employs model portfolios invested in proprietary mutual funds and ETFs, using tax-aware strategies and Monte Carlo simulation tools to develop and manage retirement income plans.