Mandie Peters is a financial advisor with Integrity Alliance, LLC, holding a Series 66 designation and 19 years of industry experience. She has worked at firms including Capital Analysts, Lincoln Investment, and Questar Capital Corporation. In addition to her advisory role, she is an insurance agent specializing in life, fixed annuity, Medicare, and long-term care products. Integrity Alliance is a large advisory enterprise serving individual investors, corporations, and qualified retirement plans. The firm offers a range of portfolio management and financial planning services through a network of over 300 advisors managing approximately $5.4 billion in assets, utilizing various investment approaches and platforms.

Emelia Sarbeng is a financial advisor at Transamerica Financial Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and is an author of works titled *Resilience in the Fire* and *The Poverty Vaccine*. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and charitable organizations. The firm offers advisory and broker-dealer services through proprietary and third-party investment models, providing both discretionary and non-discretionary program options.

Parker Bell is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and two years of industry experience. Prior to joining T. Rowe Price, he worked at Prosperity Capital Partners and Fay Servicing. T. Rowe Price Advisory Services 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 primarily using T. Rowe Price mutual funds and ETFs.

Shantel Washington is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She previously worked at ICMA Retirement Corporation for 10 years and is currently involved in real estate through Affordable Luxury Realty LLC and Affordable Luxury Corp, where she focuses on purchasing, renovating, and selling homes. Washington also serves as an agent for non-securities insurance products with Agia. Valic Financial Advisors primarily serves U.S.-based 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, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction and management.

Angela Treff is a CFP® with 27 years of industry experience, currently affiliated with Kestra Advisory Services. She has held roles at Kestra since 2009 and has owned Craig & Treff Financial Services since 2004, where she provides income tax preparation, planning, and insurance services. Treff also serves on the finance committee of the Maryland Yacht Club. Kestra Advisory Services offers investment advisory and retirement-plan consulting to institutional and individual clients, providing services including fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base that includes large institutional investors.

Jason Ruch is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds Series 66 and Series 63 licenses and has three years of industry experience. Prior to joining T. Rowe Price, he worked for OrthoMaryland for ten years. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management, primarily serving 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 to support financial planning and account management.

Seth Higgins is a financial advisor with HB Wealth who holds Series 65 and Series 63 licenses and has one year of industry experience. Prior to joining HB Wealth, he worked at Equitable Advisors and Leadline Inc. Outside of his advisory role, he serves as a varsity lacrosse assistant coach at McDonogh School and helps run lacrosse camps and tournaments through Millon Events. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, and institutional clients. The firm employs a combined quantitative and qualitative investment process spanning public and private strategies and offers advisory services including outsourced chief investment officer solutions.

Andrew Krafft is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has eight years of industry experience. Prior to joining T. Rowe Price, he worked at Bank of America and Merrill Lynch. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm employs asset-location strategies, tax-aware rebalancing, and Monte Carlo simulation-based planning tools.

Jennifer Whelley is a financial advisor with T. Rowe Price Advisory Services, Inc. in Baltimore, MD. She holds Series 63 and Series 65 licenses and has eight years of industry experience. Her career includes multiple roles at T. Rowe Price as well as a tenure at Fidelity Brokerage Services LLC. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management to individual investors and households, using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm offers nondiscretionary planning combined with discretionary account management, utilizing tools such as Monte Carlo simulations and tax-aware strategies.

Brian Whalen is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 credentials and has 21 years of industry experience. Prior to joining T. Rowe Price in 2018, he worked at Bank of America from 2016 to 2018. Outside of his advisory role, he serves as a lacrosse official with the Southern Lacrosse Officials Association. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management to individual investors and households. The firm offers a goals-based approach using proprietary mutual funds and ETFs, combining discretionary portfolio management with online planning tools and telephone access to advisors.

Natalie Whelton is a financial advisor at HB Wealth with six years of industry experience. She holds a Series 65 designation and previously worked at WMS Partners, LLC, and PNC Bank, NA. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm uses a combination of quantitative and qualitative due diligence across public and private investment strategies and offers outsourced chief investment officer and institutional advisory services.

Bansari Patel is a financial advisor with T. Rowe Price Advisory Services, Inc. holding Series 66 and Series 63 licenses and seven years of industry experience. Her prior roles include positions at Conrad Siegel Investment Advisors, LPL Financial, and Equitable Advisors. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management for individual investors and households, utilizing model portfolios invested exclusively in proprietary mutual funds and ETFs and supported by an interactive online planning tool.

Brendan Mcpeake is a financial advisor at Equity Services, Inc. with Series 65 and Series 63 licenses. He has worked in the financial services industry for two years, including prior experience at Worthington Financial Partners and a background in community recreation with Baltimore County Parks and Recreation. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to a broad client base including individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Monte Woodfin is a CFP® professional with 22 years of experience in the financial services industry. He has been with VALIC Financial Advisors since 2004 and also holds an agent position with Agia, where he is involved in non-securities insurance products. VALIC Financial Advisors 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.

David Brown is a financial advisor with Truist Advisory Services in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. His prior work includes roles at UBS Financial Services, Brown Advisory Securities, and Deutsche Bank Securities. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, offering asset allocation, fiduciary support, and manager-selection programs through a combination of discretionary and non-discretionary approaches.

Mark Dawson is a financial advisor at &Partners with 25 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Clearing, Wells Fargo Advisors LLC, Morgan Stanley, Citigroup Global Markets, and Deutsche Bank Securities Inc. Dawson is based in Baltimore, MD. &Partners serves a diverse client base comprising individual and institutional investors such as high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers investment management and financial planning services through both discretionary and non-discretionary approaches, employing a variety of analytical methods and third-party strategies, supported by ongoing monitoring and reviews.

John Borth is a financial advisor with Truist Advisory Services in Baltimore, MD, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with Truist Advisory Services since 2016 and also works with Truist Investment Services since 2015. Outside of his advisory role, he manages rental property as a landlord. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary manager relationships and uses third-party platforms and AI-enabled research tools to support manager selection and ongoing oversight.

Robert Briggs is a financial advisor with Valic Financial Advisors in Timonium, MD, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Valic Financial Advisors since 1999 and also holds a position as an agent with Agia. Outside of his advisory work, Briggs serves as President of the Board of Directors for At Jacob's Well Inc., a nonprofit providing housing for mentally ill homeless individuals in Baltimore, and as Treasurer of the Board for the Children's Chorus of Maryland. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models with overlay options for tax and ESG considerations.

Anthony Nhe is a financial advisor at T. Rowe Price Advisory Services, Inc. with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at T. Rowe Price since 2019, with prior experience at Bank of America and Merrill. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service for individual investors and households, combining nondiscretionary goals-based financial planning, retirement income planning, and discretionary investment management through a model portfolio approach invested exclusively in T. Rowe Price mutual funds and ETFs.

Shawn Sacchetti is a CFP® professional with 19 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He has been with T. Rowe Price Investment Services, Inc. since 2010 and previously worked at MSI Financial Services, Inc. from 2007 to 2009. T. Rowe Price Advisory Services 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, employing model portfolios and tax-aware strategies implemented with an online planning tool and financial advisor support.