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.

Tyler Sturgill is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has 21 years of industry experience. Prior to joining T. Rowe Price, he worked for Kestra Advisory Services, LLC and Kestra Investment Services, LLC for over a decade. Outside of his advisory role, he is the sole member of Clear Canyon Holdings, LLC, a company involved in real estate investment decisions. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses model portfolios invested exclusively in selected T. Rowe Price mutual funds and ETFs, incorporating tax-aware rebalancing and Monte Carlo simulations in their planning process.

Paul Tomick is a financial advisor with Janney Montgomery Scott in Towson, MD. He holds Series 65 and Series 66 licenses and has 25 years of industry experience, including 24 years with Janney. He serves as an advisory board member for Pressley Ridge, a nonprofit organization assisting foster care youth with the transition to independent living. Janney Montgomery Scott LLC is a large enterprise firm managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, and institutional sponsors, offering brokerage, financial planning, and advisory services through a combination of in-house and third-party portfolio management.

Madeline Ledbury is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds a Series 66 license and joined the firm in 2026. Prior to her current role, she spent several years in education at various institutions, including Hamilton College and Needham High School. T. Rowe Price Advisory Services, Inc. provides a retirement advisory service focused on individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily through T. Rowe Price mutual funds and ETFs. The firm employs asset-location strategies, tax-aware rebalancing, and delivers point-in-time financial plans and annual reviews for enrolled clients.

Christopher Sheeler is a financial advisor at PNC Wealth Management in Timonium, MD, with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Edward Jones, New York Life, and Eagle Strategies LLC. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithm-driven risk assessment and invests via mutual funds and ETFs managed by PNC or third parties.

Robert Vernon is a CFA® charterholder with 32 years of experience in the financial industry. He has been with Brown Investment Advisory & Trust Company since 2008. Brown Advisory provides investment management and advisory services to a diverse range of clients, including high net worth individuals, institutions, and charitable organizations. The firm employs a bottom-up, fundamental research approach and offers a variety of strategies, including sustainable investment options, alongside a notable private-fund and venture program.

Trevor Dunn is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and four years of industry experience. He has worked at T. Rowe Price since 2021 and has held various roles in other companies including United Parcel Service and Autani. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households with at least $250,000 in investable assets. Their offerings combine goals-based planning, retirement income projections using Monte Carlo simulations, and portfolios invested exclusively in T. Rowe Price mutual funds and ETFs.

Brandon Kriebel is a CFA® charterholder with five years of industry experience and has been with T. Rowe Price Associates, Inc. since 2007. He is based in Baltimore, MD. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management focused on retirement goals. The firm uses model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations to deliver point-in-time financial plans and ongoing reviews.

Eric Seale Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 designations and has 19 years of industry experience. His career includes 17 years at T. Rowe Price Investment Services, Inc. before joining T. Rowe Price Advisory Services in 2026. T. Rowe Price Advisory Services offers 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 Monte Carlo simulations for retirement income projections.

William Morrison is a CFP® and ChFC® with 22 years of industry experience. He is an investment advisory representative affiliated with Carson Wealth and has previously worked at Jacob William Advisory, CWM, LLC, Jacob William, Inc., and Hornor, Townsend & Kent, LLC. Morrison serves on the board of the University of Baltimore Foundation, is an adjunct professor at Towson University, and is a board member of the Pro Bono Counseling Project. CWM, LLC is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors managing approximately $50.6 billion. The firm offers discretionary asset management, financial planning, and retirement plan services, supported by an Investment Committee that constructs and monitors model portfolios using fundamental and technical inputs.

Louis Foxwell is a CFA® charterholder with five years of industry experience. He is currently with Focus Partners Wealth, LLC and previously worked at The Colony Group, LLC and Connectus Wealth. Focus Partners Wealth, LLC serves individuals, 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 using both active and passive strategies within an enhanced open architecture framework.