Shawn Kalendek is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. He holds the Series 66 designation and has worked at T. Rowe Price since 2020, including his current role since 2026. Prior to that, he held positions at Mariner Finance and Towson University and was involved with The All American Steakhouse and Sports Theater. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and investment management to individual investors and households. The firm manages portfolios using proprietary T. Rowe Price mutual funds and ETFs, combining discretionary investment management with nondiscretionary, goals-based planning supported by an online tool and telephone access to advisors.

Erich Luebkert is a CFP® with 21 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2021. Prior to this, he worked for THE Vanguard Group, Inc. for 17 years. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning and discretionary investment management primarily using proprietary mutual funds and ETFs. The service addresses individual investors and households, providing financial plans and portfolio management through a model allocation approach with tax-aware rebalancing and Monte Carlo-based retirement income projections.

Linley Pangan is a financial advisor at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He holds Series 63 and Series 66 registrations and has worked at T. Rowe Price since 2017, following two years at Bank of America. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based 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 rebalancing and asset-location strategies.

Gregory Lowe is a CFP® credentialed financial advisor with 23 years of industry experience. He has worked at MAI Capital Management, LLC since 2025 and previously led Lowe Wealth Advisors, LLC for 14 years. MAI Capital Management, LLC provides investment management, wealth management, retirement plan consulting, and family-office services to a diverse client base including high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm manages a wide range of strategies and integrates financial planning, tax, and administrative services, with $72.3 billion in assets under management as of May 2026.

Mandie Peters is a financial advisor with Integrity Alliance, LLC, holding a Series 66 designation and 20 years of industry experience. She has worked at several firms, including Capital Analysts, Lincoln Investment, Questar Capital Corporation, and Ameriprise. In addition to her advisory role, she is also involved as an insurance agent with American Senior Benefits and serves as a notary. Integrity Alliance is a large advisory network with over 300 independent investment adviser representatives managing approximately $5.4 billion in client assets. The firm serves a diverse client base, offering portfolio management, financial planning, and a range of programs through various platforms, supporting strategies that include discretionary accounts, model portfolios, and third-party sub-advisers.

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 Floyd is a financial advisor with Valic Financial Advisors, Inc. She holds Series 63 and Series 66 licenses and has 21 years of industry experience. Prior to her current role, she worked at ICMA Retirement Corporation and T. Rowe Price Advisory Services, Inc. In addition to her advisory work, she is involved in real estate investing, owning and operating Affordable Luxury Realty LLC and Affordable Luxury Corp. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors and implements model-based investment strategies using Envestnet’s platform.

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.

Seth Higgins is a financial advisor at HB Wealth with Series 65 and Series 63 credentials and one year of industry experience. Prior to joining HB Wealth, he held roles at Equitable Advisors and Leadline Inc. Outside of his advisory work, Seth coaches varsity lacrosse at McDonogh School and assists with lacrosse camps and tournaments through Millon Events. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm combines quantitative and qualitative due diligence across a range of public and private investment strategies and provides discretionary portfolio management aligned with clients’ objectives and risk tolerance.

Andrew Krafft is a financial advisor at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill Lynch. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, offering retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware rebalancing and Monte Carlo simulations for retirement income projections.

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.

Justin Beers is a financial advisor at First Command Advisory Services with two years of industry experience. He holds Series 63 and Series 65 licenses. Prior to his current role, he served in the US Navy and worked at Booz Allen Hamilton and Zenetex. First Command Advisory Services, Inc. is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, using model portfolios designed and managed by a centralized Investment Management Team.

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 at T. Rowe Price Advisory Services, Inc. with seven years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including Conrad Siegel Investment Advisors, Equitable Advisors, and LPL Financial. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service that combines goals-based financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing tax-aware rebalancing and Monte Carlo simulation-based financial plans.

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 credential and has worked at Wells Fargo Clearing, Morgan Stanley, Citigroup Global Markets, and Deutsche Bank Securities. &Partners serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers investment management and financial planning services using a combination of proprietary and third-party strategies, supported by the Envestnet portfolio platform and NFS brokerage infrastructure.

John Borth is a financial advisor with Truist Advisory Services in Baltimore, MD, holding Series 63 and Series 65 licenses and 35 years of industry experience. His previous roles include positions at UBS Financial Services and Morgan Stanley DW Inc. Outside of advisory work, he manages rental property ownership. Truist Advisory Services provides investment consulting and advisory services to a range of clients, including individuals, businesses, retirement plan sponsors, and charitable organizations, using a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools.