Michael Foss is a CFA® charterholder with 22 years of industry experience. He has been with Brown Investment Advisory & Trust Company since 2008. He holds Series 63 and Series 66 licenses and is based in Baltimore, MD. 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 approach and offers a range of strategies across equity, fixed income, and balanced portfolios, as well as OCIO solutions and family office advisory.

Luke Land is a financial advisor at T. Rowe Price Advisory Services, Inc. in Baltimore, MD, holding Series 63 and Series 66 registrations with 10 years of industry experience. He has been with T. Rowe Price since 2016. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households. The firm uses proprietary mutual funds and ETFs within model allocations, emphasizing tax-aware strategies and delivering plans supported by an interactive online tool.

Gavin Chasney is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Conrad's Crabs, Pica and Associates LLC, and the University of Maryland College Park. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households, using model portfolios invested exclusively in T. Rowe Price funds and ETFs. The firm combines goals-based planning with online tools and telephone access to advisors, serving clients with approximately $250,000 or more in investable assets.

Joseph Anyanwu is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He previously worked at Vanguard Advisers and Vanguard Marketing Corporation, as well as several financial institutions in Nigeria, including Applink Capital Nigeria Limited and Stanbic IBTC Bank. 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 utilizing proprietary T. Rowe Price mutual funds and ETFs. The firm employs tax-aware rebalancing and tactical allocations, with planning supported by an interactive online tool and Monte Carlo simulations.

Blake Hall Taylor is a financial advisor at T. Rowe Price Advisory Services, Inc. with one year of industry experience. He holds the Series 66 designation. His prior roles include positions at Convergence Financial, LPL Financial, Ascension Agency, MML Investors Services LLC, and Mass Mutual Life Insurance Company. Outside of his advisory work, he is associated with LegacyHall LLC. T. Rowe Price Advisory Services, Inc. provides 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, combining goals-based planning, tax-aware rebalancing, and Monte Carlo simulation tools.

Johanna Bathurst is a financial advisor with Kestra Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with Kestra Advisory since 2016 and Kestra Investment Services since 2010. Bathurst is the owner of JLB Wealth Management Group, LLC, through which she provides client advising on investment strategies, retirement income planning, budgeting, and savings. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm provides fiduciary consulting, plan-level investment advice, and access to multiple management platforms, serving a range of clients including large institutional investors and sovereign wealth funds.

Trevor Davis is a financial advisor with Janney Montgomery Scott LLC, holding a Series 66 designation and beginning his advisory career in 2026. He previously worked nine years at Gregory Agency and spent one year as a full-time student at the University of Virginia. Janney Montgomery Scott LLC 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, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Ronald Appler Sr. is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at H. Beck, Inc. for 14 years and Cbiz Financial Solutions, Inc. for two years before joining Independent Financial Group in 2017. Appler is the owner of a marketing DBA, Rocky Mountain High Financial Services, and serves as a safety arms instructor. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm utilizes a combination of firm- and third-party models for portfolio management and offers a range of financial planning and retirement services.

Jennifer Ryan is a CFP® and holds a Series 66 license with 18 years of industry experience. She currently works at Focus Partners Wealth, LLC and has previously been affiliated with The Colony Group, Connectus Wealth, The Simmons Partnership LLC, Morgan Stanley, and Citigroup Global Markets. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, and institutional clients, offering a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies and provides access to both third-party and affiliated private funds.

Laura Snyder is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing Services LLC and Raymond James & Associates. Janney Montgomery Scott LLC 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, corporate and retirement plan sponsors, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Timothy Riley is a financial advisor at HB Wealth with three years of industry experience. He holds a Series 65 credential and previously worked at WMS Partners, LLC, The Home Depot, and Virginia Polytechnic Institute & State University. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers discretionary portfolio management and a multi-strategy investment approach, including both public and private assets, as well as outsourced chief investment officer and institutional advisory services.

Matthew Stuckey is a CFP® professional affiliated with T. Rowe Price Advisory Services, Inc. He has 15 years of industry experience and has worked at T. Rowe Price since 2019. His prior roles include positions at Northwestern Mutual Wealth Management Company, Jason Bell, and Northwestern Mutual Investment Management. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, which integrates nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households focused on retirement. The service employs model allocations invested exclusively in T. Rowe Price mutual funds and ETFs, and features tax-aware rebalancing and Monte Carlo simulation–based financial plans delivered via an interactive online tool.

Kristopher Olenginski is a CFP® with 19 years of industry experience, currently advising clients at Janney Montgomery Scott since 2009. His credentials include the Series 66 license. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets, serving a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients through a range of brokerage, financial planning, and advisory programs.

David Freeman is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and currently based in Owings Mills, MD. He has experience spanning several firms, including Pure Finance Group, Thrivent Financial, and Baltimore Community Lending, and has been with T. Rowe Price since 2026. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program for individual investors and households, combining financial planning, retirement income strategies, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs model allocations and tax-aware strategies to manage portfolios primarily designed for clients seeking structured retirement goals.

Frederick Zeller is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Janney Montgomery Scott since 2015. Janney Montgomery Scott LLC 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, corporate and retirement plan sponsors, and charitable organizations, offering brokerage, financial planning, and advisory services through in-house and third-party portfolio management.

Paul Sortino is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) based in Timonium, MD. He holds the CFP® designation and securities licenses Series 63 and Series 65, with 18 years of industry experience. His work history includes roles at Worthington Financial Partners since 2010 and Equity Services, Inc. since 2007. Outside of advising, Sortino serves as a general board member and co-chair for the Maryland chapter of the Cystic Fibrosis Foundation. Equity Services, Inc. provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates with multiple advisory platforms, frequently using third-party asset managers and model portfolios, and offers both discretionary and non-discretionary programs.

Zeyn Desai is a financial advisor with T. Rowe Price Advisory Services, Inc. in Owings Mills, MD, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked at T. Rowe Price since 2019 and previously spent six years with PNC Bank and PNC Investments. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management primarily for individual investors and households. Their approach combines nondiscretionary, goals-based planning with discretionary investment management using proprietary mutual funds and ETFs, supported by online tools and telephone access to advisors.

Kevin Balliet is a financial advisor at PNC Wealth Management with two years of industry experience. He has worked at PNC Investments LLC since 2023 and has been with PNC Bank NA since 2019. He holds a Series 66 designation. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an online discretionary model account offered as an invitation-only employee pilot. The firm’s approach involves algorithm-driven portfolio selection and delegation of investment implementation to third parties, using mutual funds and ETFs with annual rebalancing.

Sean Kilcoyne is a CFP® professional with 17 years of experience in the financial industry. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2014, and previously worked at Valley Forge Asset Management, LLC. Outside of his advisory role, he participates as a stagehand with the International Alliance of Theatrical Stage Employees Local 10 in Baltimore. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining nondiscretionary financial planning and discretionary investment management, primarily serving individual investors and households. The firm invests portfolios exclusively in proprietary mutual funds and ETFs, employing strategies such as tax-aware rebalancing and Monte Carlo-based retirement projections.

Bryce Lanahan is a financial advisor at T. Rowe Price Advisory Services, Inc. with series 63 and 66 registrations. He joined T. Rowe Price in 2025 and has previously worked in various roles including positions at Kelly Benefits and Barley's Backyard. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service focused on individual investors and households with retirement goals. The firm combines goals-based financial planning, retirement income planning, and discretionary investment management using model portfolios invested in proprietary T. Rowe Price funds.