Craig Gross is a CFA® charterholder with 20 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2019, following a 14-year tenure at The Vanguard Group, Inc. Gross holds a Series 63 license and is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households focused on retirement goals, employing tax-aware rebalancing and interactive online planning tools.

Eric Armentrout is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at T Rowe Price and Equitable Advisors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services closely with Empower’s recordkeeping and administrative platforms.

Sean Potter is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has one year of industry experience. Prior to joining T. Rowe Price, he worked in various roles including positions in education and the food service industry. T. Rowe Price Advisory Services offers a retirement advisory program focused on individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm employs tax-aware strategies and uses Monte Carlo simulations for financial planning, serving clients with approximately $250,000 or more in investable assets.

Timothy Parker is a CFA® charterholder currently with Creative Planning, LLC. He has over 25 years of industry experience, including roles at T. Rowe Price and Brightworks Wealth. Outside of financial advisory, he has a concurrent association with Matador Resources. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing and long-term strategies, while also offering access to private market investments and ancillary legal and accounting services.

Francis Walsh is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. Prior to joining T. Rowe Price, he worked at The Elkridge Club, where he helped run the golf shop and daily golf operations. T. Rowe Price Advisory Services offers retirement-focused financial planning and investment management to individual investors and households, utilizing model portfolios invested solely in T. Rowe Price mutual funds and ETFs, supported by online planning tools and discretionary account management.

Michael Sullivan is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 27 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Keel Point, LLC. 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, employing model-based portfolio allocations and tax-aware strategies.

Daniel Beadell is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 15 years of industry experience. He has been with T. Rowe Price Investment Services, Inc. since 2010. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service to individual investors and households, combining nondiscretionary financial planning, retirement income projections, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm employs a model allocation approach tailored to client goals and uses electronic delivery and signatures as part of its enrollment process.

Frank Lucia Jr. is a financial advisor with Equity Services, Inc. in Timonium, MD, holding Series 63 and 66 licenses and bringing 31 years of industry experience. He has been associated with National Life Group and Equity Services, Inc. since 2007. Additionally, he serves as an insurance agent with Worthington Financial Partners. 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 offers multiple advisory platforms and frequently utilizes third-party asset managers, combining long-term strategies with options for specialized trading.

Michael Oye Adeniran is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining T. Rowe Price in 2022, he worked at Fidelity Investments and held positions outside the financial industry, including roles at Lowe’s Companies, Inc. and Kay Jewelers. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management primarily for individual investors and households. The firm employs a goals-based, nondiscretionary planning approach combined with discretionary investment management using proprietary mutual funds and ETFs, supported by an online planning tool and telephone access to advisors.

Katherine Lee is a financial advisor at TIAA-CREF with 10 years of industry experience. She holds a Series 66 designation and has been with TIAA and TIAA-CREF since 2013 and 2015, respectively. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs primarily serving individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm provides both point-in-time planning services and ongoing discretionary management through model and customized portfolios, operating within a vertically integrated group that includes affiliated funds.

William Chlan Jr. is a financial advisor at MAI Capital Management, LLC with 18 years of industry experience. He holds the PFS™ designation and Series 65 license. Prior to joining MAI, he worked 17 years at Court Place Advisors, LLC and has operated his own legal and accounting practice as an attorney and CPA since 1992. His practice provides non-investment-related legal and accounting services and occasionally introduces clients to MAI Capital Management without obligation or referral fees. MAI Capital Management offers discretionary and non-discretionary investment management, integrated wealth management, retirement plan consulting, and family-office services to a diverse client base including high-net-worth individuals, families, institutional clients, and sports professionals. The firm manages $72.3 billion in assets and provides customized portfolio strategies using in-house managers, third-party sub-advisers, and various account models, along with trust and insurance administration services.

Thomas Ervin Jr. is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds a Series 66 credential and began his advisory career in 2025. Prior to joining T. Rowe Price, his experience includes roles outside of the financial industry and part-time work in education. 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 with a goals-based approach supported by an online planning tool and telephone access to advisors.

Dylan Vasbinder is a Series 66 licensed financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. His prior roles include positions at Edward Jones and Morgan Stanley. 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 T. Rowe Price mutual funds and ETFs. The service offers financial plans and ongoing reviews supported by an interactive online tool and telephone access to advisors.

David Cosimano is a Series 66-licensed financial advisor with T. Rowe Price Advisory Services, Inc. He has one year of industry experience and has held previous positions at T. Rowe Price, FIS Global, Caruso, Smith, Picini, and Wells Fargo Advisors. T. Rowe Price Advisory Services, Inc. offers 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 online tools and telephone access to advisors.

Michael Yanchoris is a financial advisor with Guardian Life in Hunt Valley, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 39 years of industry experience and has been with Guardian Life and its affiliated entities for 15 years. Outside of his role at Guardian, he is involved in a separate insurance-related business. Guardian Life’s Park Avenue Wealth Management provides brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning, consulting, and proprietary investment solutions.

Rachel Sarecky is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 credential. She has one year of industry experience and previously worked at firms including Hospitality Asset Management Services, Leidos, and The Health Management Academy. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households with investable assets generally starting around $250,000 and employs strategies such as tax-aware rebalancing and Monte Carlo simulations for financial planning.

Patricia Almony is a financial advisor with Equity Services, Inc. and Worthington Financial Partners, holding Series 63 and Series 65 designations with 36 years of industry experience. Her career includes roles at SunTrust Advisory Services, M&T Securities, LPL Financial, and Uvest Financial Services. Outside of advising, she is involved in running a small business selling craft items and scrapbooking supplies and is a brand partner for a skincare and wellness company. 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, often using third-party managers and model portfolios, and combines long-term strategies with options for shorter-term trading and specialized instruments.

Nancy Briguglio is a financial advisor with Creative Planning, holding the CFP® and ChFC® designations and the Series 66 license. She has 42 years of industry experience, including prior roles at Private Advisor Group, LLC and LPL Financial, LLC. Ms. Briguglio serves on the advisory board of Allen & Shariff. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach that combines low-cost indexing and buy-and-hold strategies with selective private market exposure and offers a range of advisory and non-investment services.

Harold Lowe is a CFP® with 24 years of industry experience, currently serving at MAI Capital Management, LLC since 2025. Prior to joining MAI, he led Lowe Wealth Advisors, LLC for 14 years. MAI Capital Management, LLC provides discretionary and non-discretionary investment management, wealth management, retirement plan consulting, and family-office services to individuals, families, sports professionals, trusts, and institutional clients. The firm manages $72.3 billion in assets and offers a range of customized portfolio strategies alongside integrated financial planning and advisory services.

Heather Follis is a financial advisor with PNC Wealth Management in Ellicott City, MD. She holds Series 63 and Series 66 designations and has 23 years of industry experience, including 19 years with PNC Investments. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available as an invitation-only pilot for employees. The firm’s investment approach uses approved model strategies with mutual funds and ETFs, annual rebalancing, and algorithm-driven risk assessment.