Craig Ristuben is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 credential and six years of industry experience. His prior roles include positions at M&T Bank, Educational Systems Federal Credit Union, and PNC Bank NA. He has been with T. Rowe Price since 2019. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which combines nondiscretionary goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The program employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, using tax-aware strategies and Monte Carlo simulations to inform financial plans and retirement income projections.

Ryan Behnken is a financial advisor at Equity Services, Inc. with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at M&T Securities and M&T Bank for 10 years. Outside of his advisory role, Behnken serves on multiple nonprofit boards, including as vice chair and board chair of YMCA organizations, and works as a police officer. Equity Services, Inc., operating 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 that include third-party asset managers and combines long-term investment strategies with options for shorter-term trading and specialized instruments.

Julian Brown is a Series 66-licensed financial advisor with five years of industry experience. He is currently with Private Advisor Group, LLC and LPL Financial, LLC. Brown also serves as a board member of Cousincation, a for-profit organization. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model and utilizes a range of investment strategies implemented through third-party managers and technology platforms.

Zachary Weiner is a CFP®-certified financial advisor with eight years of industry experience, currently with Benjamin F. Edwards & Company, Inc. since 2018. Prior to joining Benjamin F. Edwards, he worked at JP Morgan for six years. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension plans, charitable organizations, and corporate clients through more than 500 advisors. The firm offers a range of services including wrap-fee advisory programs, financial planning, retirement plan consulting, and investment management consulting, and utilizes proprietary strategies alongside third-party models in their managed solutions.

Dao Nguyen is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and four years of industry experience. Prior to joining T. Rowe Price in 2022, Dao worked at State Farm for seven years and was involved with V Pro Nails for six years. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, focusing on retirement planning for individual investors and households. The firm uses a combination of nondiscretionary financial planning and discretionary investment management with model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs.

Christopher Dobbins is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and two years of industry experience. His prior roles include positions at Allied First Bank and work as an independent insurance agent. 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 using proprietary mutual funds and ETFs. The firm employs model allocations, tax-aware rebalancing, and Monte Carlo simulations within an online planning tool, with account management executed on a discretionary basis.

Christopher Leary is a CFP® with six years of industry experience, currently serving as a financial advisor at William Blair since 2022. Prior to joining William Blair, he worked at Brown Advisory Inc. for seven years. Outside of finance, he was involved with Portside Tavern from 2010 to 2018. William Blair’s Private Wealth Management division provides investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients, employing a research-driven approach across multiple asset classes and offering proprietary models and access to private funds through its MB Investments Program.

Joseph Harsel is a CFP®-certified financial advisor with 15 years of experience, currently with Valic Financial Advisors since 2011. He also serves as Managing Director of Social Impact Partners, LLC, where he consults on personal and corporate social engagement strategies. Additionally, he is involved in seasonal rental property management in Florida and Delaware. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Rachel Gabriszeski is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience and a Series 66 designation. She has been with T. Rowe Price since 2018 and has prior experience working in fitness and the food service industry. T. Rowe Price Advisory Services, Inc. offers a retirement advisory service focused on individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management using proprietary T. Rowe Price mutual funds and ETFs. The firm employs a combination of tax-aware strategies and Monte Carlo simulations through an online tool to support clients’ retirement goals.

Samuel Petti is a financial advisor with T. Rowe Price Advisory Services, Inc. holding a Series 66 credential and three years of industry experience. Prior to joining T. Rowe Price, he worked at Edge of Distinction Landscaping and Sunset Cove Restaurant. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households with investable assets generally starting at $250,000, providing financial plans and investment management supported by online tools and telephone access to advisors.

Kevin Mc Hugh is an advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at the University of Baltimore and Mid Atlantic Contracting, as well as a background in full-time education. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm employs model portfolios invested solely in T. Rowe Price mutual funds and ETFs, utilizing tax-aware rebalancing and Monte Carlo simulation tools for retirement income planning.

Brendan Sweeney is a CFA® charterholder with 16 years of industry experience. He is currently with Cerity Partners LLC, where he has worked since 2023, following a 12-year tenure at Maryland Capital Management, LLC. Brendan holds a Series 65 license. Cerity Partners advises a broad client base including individuals, families, trusts, estates, business entities, and institutional investors, managing approximately $166.2 billion in client assets as of December 31, 2025. The firm offers customized wealth management services and employs a client-specific investment framework that combines quantitative screening, manager selection, and direct security selection, with access to alternative and private market solutions for qualified clients.

Christina Garland is a CFP® professional at Focus Partners Wealth, LLC with 11 years of industry experience. She has previously worked at The Colony Group, Connectus Wealth, Horan Capital Management, and Charles Schwab. Focus Partners serves high-net-worth families, family offices, corporate and institutional clients with a broad range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

Andrew Meredith is a CFP® professional with 28 years of industry experience. He is currently with Janney Montgomery Scott, having joined the firm in 2021. Prior to that, he worked at Bank of America and Merrill, where he held positions from 1998 through 2021. 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 a range of advisory and brokerage services supported by in-house and third-party portfolio management.

Kenneth Buckner is a financial advisor with PNC Wealth Management in Forest Hill, MD, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior experience includes roles at Wells Fargo Clearing and First National Bank of Pennsylvania. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a portfolio strategist digital offering available by invitation to PNC Bank employees. The firm uses algorithm-driven risk assessments and delegates portfolio implementation to third parties, providing managed strategies with annual rebalancing.

Jasmine Byrd is a financial advisor at T. Rowe Price Advisory Services, Inc. with six years of industry experience. She has been with T. Rowe Price since 2019 and previously worked in media roles at Maryland Public Television and CBS Radio/Entercom Radio. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm employs a goals-based approach using proprietary mutual funds and ETFs, offering personalized plans supported by online tools and financial advisor access.

Robert Hill is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the CFP® designation and has 12 years of industry experience. His prior work history includes roles at Bank of America and Merrill, in addition to multiple tenures at T. Rowe Price. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm uses proprietary mutual funds and ETFs within model portfolios, combining goals-based planning with an online planning tool and telephone access to advisors.

Christopher Photiou is a CFP® with 27 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2006. He previously worked at Chase Investment Services Corp. and Banc One Securities Corporation in 2005. Outside of traditional advisory work, he is a podcast host and content creator for an online program called "The Greatest Non-Hits." T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service to individual investors and households, combining financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm emphasizes model portfolio management with tax-aware rebalancing and offers services through a digital platform and telephone access.

Lyubov Sidorova is a financial advisor with Empower Advisory Group, holding a Series 66 designation and bringing 10 years of industry experience. She previously worked at T. Rowe Price for a decade before joining Empower in 2025. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to retail brokerage account holders, using an integrated model connected to Empower’s recordkeeping and administrative platforms.

Harrison Rafiq is a Series 65-licensed financial advisor with four years of industry experience. He is currently with HB Wealth, where he has worked since 2025, and previously held positions at WMS Partners, RF Industries, Morgan Stanley, and Charles A. Pastrana & Sons. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm offers wealth management, investment management, and financial planning services, with a focus on discretionary portfolio management that integrates both quantitative and qualitative analysis across a range of public and private investment strategies.