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 eight 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 offers a retirement-focused advisory program that combines goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model allocations, tax-aware rebalancing, and online planning tools.

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 an investment advisor with Kestra Advisory, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Kestra Advisory since 2016 and has additional experience with Kestra Investment Services, LLC dating back to 2012. Outside of her advisory role, she serves as team lead to the investment operations department at Brotman Financial Group, where she prepares materials for client meetings and maintains client investment accounts. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions, managing approximately $79.8 billion in assets.

Lukas Mihailovich is a financial advisor at &PARTNERS with a Series 66 designation and two years of industry experience. He has worked at Wells Fargo Clearing and several mortgage-related firms prior to joining &PARTNERS. &PARTNERS serves a diverse client base including individuals, retirement plans, charitable organizations, foundations, universities, and sovereign wealth funds. The firm offers both investment advisory and brokerage services, utilizing a combination of proprietary models and third-party management through the Envestnet platform, and operates uniquely as both a broker-dealer and registered investment adviser with multiple revenue streams.

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®-certified financial advisor with 10 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., having joined in 2024. Prior to this, he worked at Northwestern Mutual Investment Management and was affiliated with The Waldner Winters Team of Keller Williams Realty Centre as a licensed real estate agent, where he remains able to receive referral compensation. T. Rowe Price Advisory Services offers a retirement-focused advisory service that combines goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, providing point-in-time financial plans with annual reviews and employing tax-aware rebalancing and Monte Carlo simulation-based projections.

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 the Series 66 credential and beginning his advisory career in 2026. Prior to joining T. Rowe Price, he held positions at Merrill and several other organizations, including Year Up United and various automotive dealerships. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement goals through a combination of nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and providing financial plans with Monte Carlo simulations and annual reviews.

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 with Janney Montgomery Scott holding a Series 66 designation and 10 years of industry experience. He has been with Janney 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, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base and offers a range of brokerage, financial planning, and advisory services supported by in-house portfolio management and third-party managers.

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 has worked at firms including Charles Schwab Bank 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 account holders, delivering integrated services through Empower’s recordkeeping and administrative platforms.

Eric Borsoni is a financial advisor with Schwab Wealth Advisory and holds Series 65 and Series 66 credentials. He has 23 years of industry experience and has previously worked at Morgan Stanley, Ameriprise Financial Services, New York Life, and Nuveen Securities. Outside of financial advising, 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 primarily through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations. Its advice is based on Schwab’s asset allocation models and research tools, with final investment decisions made by clients.

James Anderson is a financial advisor at T. Rowe Price Advisory Services, Inc. with series 66 and 63 licenses. He joined T. Rowe Price in 2026 and has prior experience at Citibank NA and Equinox Holdings, Inc. Outside of finance, he has held various roles in hospitality and education, including operating several bar and tavern establishments. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses proprietary mutual funds and ETFs within model portfolios alongside tax-aware strategies and Monte Carlo-based retirement income projections.

Kevin Belshaw is a Certified Financial Planner® with 12 years of industry experience. He has been with United Planners Financial Services of America since 2019 and also serves as president of TriBel Consulting Firm, LLC, a consulting business unrelated to investment services. Additionally, he has experience as an insurance agent specializing in non-variable insurance and has held roles at MassMutual and the Maritime Institute of Technology and Graduate Studies. United Planners Financial Services of America serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.

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.