Zachary Rutsch is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has been with T. Rowe Price since 2026. His prior experience includes roles at LandCare, Attaboy Brewing, and Stevenson University. Outside of finance, he is involved with Dreamland Christmas Tree Farm LLC and Attaboy Brewing. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The service uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combined with an online planning tool and telephone access to advisors.

Thomas Kenney is a financial advisor at TIAA-CREF with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily for individuals with existing relationships through TIAA-administered employer retirement plans, as well as for trusts, estates, partnerships, and small retirement plans. The firm operates within a vertically integrated group and serves as an adviser to a donor-advised fund.

Andrew Tarantula is a financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. He has worked at T. Rowe Price since 2019 and previously held positions at The Baltimore Country Club, Towson University, and Atlantic Coast Athletic Club. He holds a Series 66 designation. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service that combines financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs and uses tax-aware strategies along with Monte Carlo simulations for retirement income projections.

Jeffrey Weiner is a financial advisor with Benjamin F. Edwards & Company, Inc., holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Benjamin F. Edwards since 2013. His other activities include serving as co-trustee for family trusts and a trustee for a grandchildren’s trust. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, and corporations. The firm offers fee-based wrap programs, financial planning, retirement plan consulting, and investment management through a range of actively and passively managed portfolios and model strategies.

Robert Nordeen Jr. is a CFP® professional with 28 years of industry experience, currently serving at Commonwealth Financial Network since 2009. He is also affiliated with RetirementQuest Planning Services. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients with a range of advisory programs and services, including wealth management and retirement plan consulting. The firm provides operational, trading, technology, investment management, and compliance support, enabling advisors to offer customized portfolios and model-based investment solutions.

Yang Yang is a Series 66–registered financial advisor at PNC Wealth Management with 10 years of industry experience. Prior to joining PNC in 2026, Yang worked at JPMorgan Chase Bank and J.P. Morgan Securities from 2022 to 2026, and at Bank of America and Merrill from 2009 to 2022. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary model account offered to employees. The firm uses approved model strategies implemented via mutual funds and ETFs, with portfolio management delegated to third parties and relies on algorithmic tools for enrollment and model selection.

Robert Weisman is a financial advisor at SPC with over 31 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Parkland Securities, LLC since 2014. He has also been an independent insurance agent and operated his own firm, Robert Weisman & Assoc., since 1989. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 advisers managing approximately $5.66 billion in assets.

Moises Reyes Campos Jr. is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has two years of industry experience. Prior to his current role, he has worked in various positions including at Aldi USA and in education at the University of Maryland Robert H. Smith School of Business and two high schools. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses proprietary T. Rowe Price mutual funds and ETFs within model allocations, supported by an online planning tool and financial advisor access.

Melissa Placek is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. She holds a Series 66 credential and has worked previously at Samuel, Son & Co, East Coast Poured Floors, Transportation Impact, and the Baltimore Orioles. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The service is designed for individual investors and households with a focus on retirement goals and includes online planning tools and annual reviews.

Erika Pagel is a financial advisor at Brown Advisory with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Brown Advisory since 2012. Brown Advisory provides investment management and advisory services to a diverse client base, including high net worth individuals, institutions, and charitable organizations. The firm employs a bottom-up, fundamental research process to construct concentrated portfolios and offers a range of strategies, including sustainable-investment options, as well as model portfolios and sub-advisory services.

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 with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and eight years of industry experience. He has been with T. Rowe Price since 2017 and previously worked at Bank of America from 2015 to 2017. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm implements portfolios using proprietary mutual funds and ETFs, applying asset-location strategies, tax-aware rebalancing, and Monte Carlo-based financial planning tools.

Carly Neidecker is a financial advisor at Kestra Advisory with six years of industry experience. She holds a Series 66 designation and has previously worked at T. Rowe Price, Brown Advisory, and Wells Fargo Advisors. In addition to her advisory role, she is involved with JLB Wealth Management Group, providing financial planning and investment advising services. Kestra Advisory Services offers investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm provides a range of services such as fiduciary consulting, plan design, investment advice, and employee education, managing approximately $79.8 billion in assets under management.

John Pauliny is a financial advisor at Janney Montgomery Scott with 21 years of industry experience and holds a Series 66 designation. He has been with Janney since 2015. Outside of his advisory role, he serves as a board member of the Aberdeen Rotary and previously was involved with the Havre de Grace Decoy Museum’s board. 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 diverse client base including individuals, families, trusts, estates, corporations, retirement plans, charitable organizations, and municipal clients, offering brokerage, financial planning, and advisory services through a combination of in-house and third-party portfolio management.

Caroline Michaels is a financial advisor at Guardian Life with a Series 66 designation and one year of industry experience. Her prior roles include positions at Park Avenue Securities, Financial Growth Partners, and Brewbike. Outside of finance, she is involved with Sharons Shaved Ice, a business she has maintained since 2020. Guardian Life’s subsidiary, Park Avenue Wealth Management, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, and investment advisory programs that include proprietary and third-party models.

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.

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.

Ryan Pellegrino is a financial advisor at Centaurus Financial, Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining Centaurus Financial, he worked at Oliver Wyman for six years. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory management of annuity and variable life sub-accounts.