Joshua Vlna is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining T. Rowe Price, he has held positions at The Tree Farm, the University of Maryland Global Campus, Target, Modell's Sporting Goods, and the University of Mississippi. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management for individual investors and households, using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm offers point-in-time plans and annual reviews supported by an interactive online tool and manages accounts with tax-aware strategies and tactical allocations.

Evaristo Gonzalez is a Series 66-licensed financial advisor with eight years of industry experience. He is currently affiliated with Guardian Life and Park Avenue Securities, where he has worked since 2017 and 2015 respectively. Outside of his advisory role, Gonzalez is an independent contractor providing outside disability insurance through Peterson International and Assurity. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of brokerage services, financial planning, retirement plan consulting, and investment advisory programs that include discretionary and non-discretionary options.

Marie David is a Certified Financial Planner (CFP®) with nine years of industry experience. She currently serves as a financial advisor at Cerity Partners LLC, joining the firm in 2023. Her prior experience includes roles at Maryland Capital Management and RBC Wealth Management. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset allocation, manager selection, and periodic rebalancing, utilizing proprietary quantitative screens alongside third-party managers and individual securities.

Patrick Fornadel is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has two years of industry experience. Prior to joining T. Rowe Price in 2023, he worked at X-Ceed Consulting and UPS, among other roles. T. Rowe Price Advisory Services offers the Retirement Advisory Service, which 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, employing tax-aware strategies and interactive planning tools.

Stavros Rizakos is a financial advisor at Focus Partners Wealth, LLC with nine years of industry experience and a Series 65 designation. His prior roles include positions at The Colony Group, Connectus Wealth, Horan Capital Management, Morgan Stanley & Co. LLC, Maller Wealth Advisors, and Lincoln Financial Advisors Corporation. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework, combining active and passive strategies along with private and registered funds.

Carole Schreck is a CFP® professional with 13 years of experience, currently with Janney Montgomery Scott in Towson, MD. She has been with Janney Montgomery Scott in various capacities since 2015. Schreck serves on the Investment Management Committee at Friends School of Baltimore, contributing to the review and policy decisions of its investment portfolio. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in assets. The firm serves individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients through a combination of brokerage services, financial planning, consulting, and multiple advisory programs.

Daniel Tambellini is a CFP® with 27 years of industry experience. He has been with T. Rowe Price Advisory Services, Inc. since 2017 and previously worked at Northwestern Mutual Wealth Management Company and its affiliated entities from 2003 to 2017. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. The firm utilizes model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, applying tax-aware strategies and Monte Carlo simulations to support retirement income planning.

James Bryant is a financial advisor at Janney Montgomery Scott with six years of industry experience. He holds a Series 66 designation and has worked at Janney Montgomery Scott since 2019. Bryant serves as a board member of the My Neighbors Foundation in Monkton, MD, which supports less privileged children in the Hereford zone through fundraising activities. 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, providing brokerage services, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Jason Policastro is a CFP® with nine years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He has worked at T. Rowe Price since 2016 with a two-year period at Cornerstone Advisory from 2021 to 2023. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm utilizes proprietary mutual funds and ETFs within model-driven portfolios and offers planning supported by an interactive online tool and telephone access to advisors.

Leah Powell is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and having two years of industry experience. She has worked in various roles across multiple companies before joining T. Rowe Price in 2024. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, focusing on retirement planning for individual investors and households. The firm combines goals-based financial planning, retirement income planning, and discretionary investment management using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs.

Lauren Szczybor is a financial advisor at Focus Partners Wealth, LLC with 12 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at firms including The Colony Group, LLC, T Rowe Price, Merrill, Lincoln Financial Advisors, Hornor, Townsend & Kent, Inc, and Penn Mutual Life Insurance Company. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that emphasizes tax- and fee-sensitivity within an enhanced open architecture framework, combining active and passive strategies alongside private funds and ETFs.

Jonathan Webb is a CFP® professional with seven years of industry experience, currently affiliated with T. Rowe Price Advisory Services, Inc. He previously worked at OSAIC, Lincoln Financial Advisors Corporation, and Charles Schwab & Co., Inc. In addition to his advisory role, Webb serves as a fiduciary and power of attorney for family members’ investment accounts. 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 primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, offering model portfolio allocations and employing tax-aware strategies within a technology-supported platform.

Mycha Marshall is a financial advisor with T. Rowe Price Advisory Services, Inc. and holds the CFP® designation along with Series 65 and Series 63 licenses. He has nine years of industry experience and previously worked at Bestgate Wealth Advisors, LLC, Private Advisor Group, LLC, and FisherRing, LLC. In addition to advisory work, he operates a small tax practice and runs a financial literacy and coaching business focused on budgeting and debt reduction. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using proprietary mutual funds and ETFs with a goals-based approach supported by an online planning tool and telephone access to advisors.

John Gately is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and has 10 years of industry experience. He has been with T. Rowe Price since 2015. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management through a model portfolio approach invested exclusively in T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households, emphasizing electronic enrollment and servicing with a focus on proprietary funds.

Connor Martin is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and three years of industry experience. He has worked at T. Rowe Price since 2023 and previously held roles at LPL Financial and Smyth Jewelers. Outside of his advisory work, he owns an eBay store called Dew Industry. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing exclusively proprietary mutual funds and ETFs. The firm combines goals-based planning with tax-aware portfolio management and offers ongoing financial plan reviews through its Retirement Advisory Service.

Steven Phillips is a financial advisor at T. Rowe Price Advisory Services, Inc. with three years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors, Rivet Campus Media, Maryland Media Inc., and the University of Maryland, College Park. 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 to implement model portfolios and offers online tools alongside advisor support for comprehensive retirement planning.

Sophia Stavisky is a financial advisor with Benjamin F. Edwards & Company, Inc. She holds a Series 66 designation and has three years of industry experience. Prior to joining Benjamin F. Edwards & Co., she worked at Cummings & Co. and has diverse experience in realty and insurance. Benjamin F. Edwards & Co. serves a broad client base including individual investors, retirement plans, trusts, estates, and corporate clients. The firm offers a range of investment strategies and financial planning services, combining model-based and customized portfolios managed through ongoing due diligence and periodic rebalancing.

Michael King is a CFA® charterholder with five years of industry experience. He has worked at HB Wealth Management since 2025 and previously at Asset Strategy Consultants, LLC, and Belay Group, LLC. King is a co-founder and board member of the Josie King Foundation, a nonprofit organization, and serves on the board of directors of Smart Patients, a for-profit company. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm offers discretionary portfolio management aligned with client objectives and employs a combination of quantitative and qualitative due diligence across various public and private investment strategies.

Justin Myers is a Certified Financial Planner (CFP®) with eight years of industry experience. He has worked at Janney Montgomery Scott since 2018 and was previously employed at AXA Advisors. Myers is based in Towson, MD. 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 individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering financial planning, brokerage services, consulting, and multiple advisory programs.

Eric Soto 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. His prior work history includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Wells Fargo, and Amazon. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, utilizing model portfolios and an online planning tool, with client accounts managed on a discretionary basis after enrollment.