Leonard Barwick is a financial advisor at Principal Financial Services with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Principal Securities Inc. since 2002 and Principal Life since 2001. In addition to his advisory role, he serves as a bank officer at Principal Bank and Principal Trust Company, supporting retirement plan account relationships across insurance, broker-dealer, and bank/trust services. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and corporations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Candice Elam is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining T. Rowe Price, she worked at Morgan Stanley and E*TRADE Securities LLC. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management to individual investors and households, using model allocations invested exclusively in T. Rowe Price mutual funds and ETFs. The firm emphasizes goals-based planning, tax-aware management, and online tools to support client engagement.

Ajaz Rahman is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2026. His prior experience includes roles at Brookstone Capital Management, Ameriprise Financial Services, Inc., and M&T Bank/M&T Securities. Outside of his advisory work, Rahman is involved in selling life insurance and annuities through a separate life insurance company. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing proprietary mutual funds and ETFs. The firm emphasizes model-based portfolio allocations, tax-aware rebalancing, and online planning tools as part of its approach.

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.

Carmen Roy is a financial advisor with Commonwealth Financial Network based in Towson, MD. She holds a Series 65 license and has recently begun her career in the industry. Prior to joining Commonwealth, she held positions at OneDigital Investment Advisors LLC and T. Rowe Price. Outside of her advisory role, she serves as an assistant field hockey coach at Dulaney High School. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages over $212 billion in client assets. The firm offers a comprehensive platform including managed-account programs, third-party asset manager access, retirement consulting, and custody services.

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 CFP® professional with 33 years of industry experience. He is currently with &PARTNERS and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. &PARTNERS serves a diverse range of clients, including individuals, retirement plans, charitable organizations, foundations, universities, and sovereign wealth funds. The firm offers both advisory and brokerage services, utilizing a mix of proprietary and third-party investment strategies while operating as both a broker-dealer and registered investment advisor.

Ronald Tydings is a financial advisor with PNC Wealth Management in Bel Air, MD, holding Series 63 and Series 66 licenses with 28 years of industry experience. He has worked at PNC Investments LLC since 2008. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital offering for employees that uses algorithmic risk assessment to recommend investment strategies implemented with mutual funds and ETFs.

Tiffany Eley is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of experience in the industry. She holds Series 66 and Series 63 credentials and has prior experience at the Automobile Club of Southern California and Bank of America. Outside of her advisory role, she works as a personal shopper for Instacart on a part-time basis. T. Rowe Price Advisory Services offers a retirement-focused 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, employing model portfolios and tax-aware strategies within a technology-supported service structure.

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.

Hong Chiu is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 65 and Series 66 licenses and has four years of industry experience. His prior roles include positions at Sunnylending LLC, Transamerica Financial Advisors, Inc., and World Financial Group, Inc. T. Rowe Price Advisory Services, Inc. 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, employing a model-driven approach with online tools and telephone access to advisors.

Steven Baden is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and five years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. Before entering the financial industry, he worked for WoodWorks, part of the American Forest & Paper Association, from 2014 to 2019. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which offers nondiscretionary financial planning and discretionary investment management primarily for individual investors and households focused on retirement. The firm utilizes model portfolios invested exclusively in proprietary mutual funds and ETFs, combines tax-aware strategies, and delivers plans through an interactive online tool supported by telephone access to advisors.

Brent Andersen is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and 19 years of industry experience. He has been with T. Rowe Price Investment Services since 2010. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management using selected proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model portfolio allocations, tax-aware rebalancing, and online planning tools.

Malgorzata Elashmawy is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at HB Wealth since 2025. She previously worked at WMS Partners, LLC for 14 years. Elashmawy is also involved with the FPA of Maryland as Co-Chairperson of its Pro Bono Committee, where she organizes pro bono financial advice initiatives for nonprofit organizations and underserved communities. HB Wealth Management is a registered investment adviser that offers wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm employs a disciplined investment process that includes discretionary portfolio management and a combination of quantitative and qualitative due diligence across a range of public and private strategies.

Gustav Jakowitsch III is a financial advisor at T. Rowe Price Advisory Services, Inc. with 12 years of industry experience. He holds a Series 66 designation and has been with T. Rowe Price since 2013. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service to individual investors and households focused on retirement goals, combining goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs asset-location strategies, tax-aware rebalancing, and uses an interactive online planning tool with Monte Carlo simulations for retirement projections.

Jeffrey Berman is a CFP® and PFS™ with 27 years of experience in the financial services industry. He has been with Equity Services, Inc. for 22 years and is also a partner and tax practice leader at the accounting firm Kahn Berman Soloman Taibel & Mogol Pa, where he has worked since 1987. Outside of financial advising, he is involved in producing animated films through a partnership in Mulligan Man, LLC. 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 combines long-term investment strategies with options for shorter-term trading, utilizing multiple advisory platforms and third-party asset managers.