Justin Carpenter is a financial advisor at T. Rowe Price Advisory Services, Inc. with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill, Wells Fargo, and Capital One. T. Rowe Price Advisory Services offers the Retirement Advisory Service, which provides retirement-focused financial planning and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households with a goals-based approach supported by online tools and advisor access.

Robert Karcz is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and 20 years of industry experience. He previously worked at Merrill from 2010 to 2017 and has served at Commonwealth since 2017. He is also the president and owner of Stonehedge Financial, a private entity operating in securities, investment advisory, and insurance services. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, technology, compliance, and practice-management support, enabling advisors to offer a wide range of securities and insurance products alongside discretionary model portfolios managed by Commonwealth’s Investment Management and Research team.

Solomon Nabdoya is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Bankers Life Advisory, he worked in senior living and the food service industry. He is also a 1099 agent for Bankers Life and Casualty Company, authorized to write Medicare Supplement, annuity, life, health, and long-term care insurance products. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, tax efficiency, and a combination of fundamental and technical analysis in portfolio management.

Grant Williams is a financial advisor at T. Rowe Price Advisory Services, Inc. with seven years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining T. Rowe Price in 2018, he worked in educational roles at Manheim Township School District and Lincoln Intermediate Unit 12 from 2016 to 2018. 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, utilizing model portfolios and tax-aware strategies delivered through a combination of telephone access and an online planning tool.

David Bowen is a financial advisor at T. Rowe Price Advisory Services, Inc. with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at T. Rowe Price since 2020, with prior roles at Mariner Finance, Allstate Insurance Co, and MetLife Securities Inc. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households, using proprietary mutual funds and ETFs alongside goal-based planning tools and Monte Carlo simulations. The firm serves clients with approximately $250,000 or more in investable assets.

Jaylen Fuller is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has three years of industry experience. His prior roles include work at Performance Dynamics and Pulse Check Plus LLC, and he has been affiliated with T. Rowe Price since 2022. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using proprietary mutual funds and ETFs within a goals-based framework supported by online tools and telephone access to advisors.

Michele Walthert is a CFP® and holds a Series 66 designation with 23 years of industry experience. She has been with Wealthspire Advisors since 2015. Wealthspire Advisors serves a diverse client base, including individuals, corporations, retirement plans, nonprofits, and foundations, offering wealth management, financial planning, and trust services. The firm employs a relationship-driven, customized investment approach that emphasizes diversified, institutional-style asset allocation and ongoing portfolio review.

Linnea Cullings is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and having 17 years of industry experience. She has worked at T. Rowe Price from 2006 to 2018 and returned in 2019, with experience at David McCabe and Pruco Securities LLC during the same year. T. Rowe Price Advisory Services offers a retirement advisory program for 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 emphasizes tax-aware strategies and uses Monte Carlo simulations for retirement income projections.

Jeffrey Burns is a CFP® professional with 21 years of industry experience and has been with T. Rowe Price Advisory Services, Inc. since 2016. Prior to joining T. Rowe Price, he held positions at Securian Capital of the Chesapeake, Minnesota Life Insurance Co, and Securian Financial Services Inc. Outside of his advisory role, he serves as Treasurer for Hanover Area Little League in Pennsylvania. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, primarily utilizing proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model portfolio allocations and tax-aware strategies to meet clients’ retirement goals.

Constance Weil is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds the Series 63 and Series 66 designations and has 33 years of industry experience. Weil has been with affiliated T. Rowe Price entities since 1992. Outside of her advisory work, she serves as secretary for Consult Your CFO, a non-investment-related business based in Sykesville, MD. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households focused on retirement goals, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm manages portfolio allocations exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware rebalancing and tactical strategies, and delivers plans and ongoing reviews through an interactive online tool with telephone advisor support.

Tara Brummell is a CFP® professional with 11 years of industry experience currently advising at Truist Advisory Services. She previously worked at T. Rowe Price and Bank of America, among other firms. Brummell serves on the Community Leadership Board for the Y in Central Maryland and is a prospective board member of the Maryland chapter of the Exit Planning Exchange. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary management approaches supported by third-party platforms and dedicated oversight teams.

Suzanne Mchugh is a financial advisor with Empower Advisory Group in Laurel, MD, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Her career includes roles at Gwfs Equities, Inc., Rcm&D, Lockton Companies, LLC, and Lockton Financial Advisors, LLC, where she has served for over a decade. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with services for Empower Premier IRA and certain retail brokerage accounts. The firm delivers integrated financial planning and managed account solutions aligned with Empower’s recordkeeping and administrative platforms.

Matthew Main is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 20 years of industry experience. He has worked across various Truist entities since 2015, including Truist Investment Services and SunTrust Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, combining discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Jennifer Mac Lennan is a CFP® professional with 10 years of industry experience. She has worked at Burt Wealth Advisors for 10 years and currently is with Creative Planning, LLC. Burt Wealth Advisors is a fee-only, SEC-registered investment adviser serving individuals and high-net-worth clients with discretionary portfolio management and financial planning. The firm uses a combination of fundamental, technical, charting, and cyclical analysis across various time horizons and primarily allocates assets among mutual funds and ETFs.

Jonathan Charles Paez is a financial advisor with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD, holding Series 66 and Series 63 licenses and having seven years of industry experience. He has been with T. Rowe Price since 2018 and previously worked at Allied Universal Security Services and Anne Arundel Medical Center. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing model portfolios composed of proprietary mutual funds and ETFs. The firm combines goals-based planning with an online platform and financial advisor access, serving clients with approximately $250,000 or more in investable assets.

Lei Shi is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Lei has been with Transamerica Financial Advisors since 2012 and is also involved with Financial Training Inc. and Insurance Marketing Center in roles outside of direct investment advisory. Lei previously worked with the Chinese Friendship Affairs Association, Inc. from 2018 to 2021. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, and charitable organizations. The firm primarily employs model portfolios and third-party managers to implement its advisory services through multiple platforms such as Transamerica ONE and the TFA365 Advisory Program.

Gloria Makino is a financial advisor at Independent Financial Group, LLC with two years of industry experience. She holds the Series 66 designation and has previously worked at Commonwealth Financial Network. Prior to her financial career, she worked as a performing artist for nearly three decades. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through its AccessPoint platform and third-party asset managers, managing approximately $11.3 billion in regulatory assets.

Brian Keeney is a CFP®-certified financial advisor at Beacon Pointe Advisors, LLC with two years of industry experience. He has worked at Beacon Pointe Advisors since 2024 and previously operated Keeney Financial Group. Outside of finance, he has experience in the hospitality industry and education. Beacon Pointe Advisors provides wealth advisory, financial planning, retirement-plan platform services, and outsourced chief investment officer solutions to individual and institutional clients. The firm employs a combination of active and passive investment strategies, utilizing third-party independent managers and proprietary private funds as part of its comprehensive portfolio management approach.

Garrett Scranton is a financial advisor at Wealthspire Advisors with three years of industry experience. He holds a Series 65 credential and has previously worked at Sagevest Wealth Management, Olio Financial Planning, and served in educational roles including at Virginia Tech and in middle and high schools. Wealthspire Advisors serves a diverse client base including individuals, corporations, retirement plans, and nonprofit organizations, providing wealth management, financial planning, and trustee services. The firm employs a relationship-driven, customized investment approach emphasizing diversified, institutional-style asset allocation and uses both discretionary and non-discretionary portfolio management strategies.

Moises Abascal Carrasco is a financial advisor at Cerity Partners LLC with one year of industry experience. He holds a Series 65 designation and previously worked at SOL Capital Management Company and TD Bank. Cerity Partners provides customized wealth management and related services to individuals, families, trusts, business entities, charitable organizations, and institutional investors nationwide. The firm’s approach includes tailored asset allocation, manager selection, and periodic rebalancing, utilizing proprietary quantitative screens alongside third-party managers and individual securities.