Zachary Ruchman is a financial advisor at HB Wealth with a Series 65 license and three years of industry experience. He has previously worked at WMS Partners, RockCreek Group, and BlackRock. Outside of his advisory role, he serves as a finance committee member for the Harold & Geraldine Polinger Family Foundation, advising on budgets and investments. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm combines quantitative and qualitative due diligence across public and private investment strategies and offers discretionary portfolio management aligned with client objectives and risk tolerance.

Mark Medairy Jr. is a financial advisor with Eagle Strategies (NY Life) based in Timonium, MD, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has worked with NYLife Securities and New York Life Insurance since 1983 and has been involved with Camden Planning Group, LLC since 2009. Medairy also serves as a board member on the Archdiocese of Baltimore’s Lay Personnel Retirement Board and Investment Committee. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients through a large network of affiliated advisers. The firm offers various program types and emphasizes aligning recommendations with client goals and plan sponsor criteria, managing most regulatory assets on a non-discretionary basis.

Daniel Craig is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and nine years of industry experience. Before joining T. Rowe Price in 2018, he worked at Northwestern Mutual in various capacities from 2017 to 2018 and has also held roles at Towson University and Ridge Engineering. Outside of finance, he is a partial owner of Tell Tale Coffee Company, a coffee sales business in Westminster, MD. T. Rowe Price Advisory Services offers 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 with tax-aware management and online tools.

Kevin Lindung is a CFP®-certified financial advisor with 28 years of industry experience. He has worked at Janney Montgomery Scott since 2021 and previously held positions at Bank of America and Merrill. 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 a range of brokerage, financial planning, and advisory services.

Steven Collins is a financial advisor at Kestra Advisory with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Woodbury Financial Services Inc and Independent Financial Group. In addition to his advisory role, Collins sells term insurance and fixed annuities through Collins Capital Management. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds.

Nathan Allen III is a financial advisor at HB Wealth with Series 63 and Series 66 credentials and 23 years of industry experience. He previously worked at WMS Partners, LLC, Warisan Capital Management, and A.L. Stuart Investments. Nathan serves as Committee Chair overseeing legacy private funds at WMS Partners and acts as trustee for several trusts. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm offers discretionary portfolio management, combining quantitative and qualitative due diligence across a range of public and private strategies.

Aaron Welch is a financial advisor with Money Concepts Capital Corp in Towson, MD, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Money Concepts Capital Corp since 2004 and concurrently works with the Internal Revenue Service since 1983. Outside of his advisory role, he operates a sole proprietorship providing federal and state income tax preparation and accounting services. Money Concepts Advisory Service (MCAS) manages portfolios and offers financial planning and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm employs a variety of managed programs and investment strategies, serving approximately 14,700 clients with an integrated broker-dealer and insurance structure.

Kara Shaffer is a CFP® professional with 14 years of industry experience. She is currently with Empower Advisory Group and Empower Financial Services, Inc., having previously worked at Personal Capital Advisors Corporation, Lincoln Financial Advisors, and Heritage Financial Consultants. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions tailored to long-term portfolio returns and client savings rates.

Thomas Hunt is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Truist Advisory Services. His prior experience includes six years at JPMorgan Securities LLC and JPMorgan Chase Bank NA, along with a role at Johns Hopkins Carey Business School. He serves on the board of the Chesapeake Planned Giving Council, a nonprofit focused on planned giving in the greater Chesapeake region. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors and participants, and charitable organizations, utilizing both discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research.

Andrew Harrell is a CFP® professional with seven years of industry experience, currently serving as an advisor at Kestra Advisory. He has worked at Kestra since 2019 and has prior experience with Kestra Investment Services and Coastal Carolina University. Harrell is a member of the FPA of Maryland Board of Directors, where he participates in initiatives supporting the development of future industry professionals. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers services such as fiduciary consulting, plan design, and investment management, supporting large institutional clients and utilizing multiple management platforms and third-party solutions.

Joseph Mills is a CFP® professional with three years of industry experience, currently serving as an advisor at Kestra Advisory. His prior experience includes working with BFG Financial Advisors and earlier roles in education at Towson University and Wallkill Valley Regional High School. Mills also holds responsibilities supporting investment operations within Kestra’s affiliated entities. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base that includes plan sponsors, institutional investors, and individuals. The firm offers comprehensive services such as fiduciary consulting, plan design, and advisor-managed accounts, and manages approximately $79.8 billion in assets with a focus on large institutional clients.

Lauren Serafini is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Creative Planning. Her prior experience includes roles at Berman McAleer, Merrill Lynch, The Financial Gym, Commonwealth Financial Network, and Serafini Financial Services. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and utilizes a financial planning–led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by various portfolio management techniques and comprehensive retirement plan services.

Phillip Korenman is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 23 years of industry experience, including 16 years at The Vanguard Group and time as an independent consultant. He serves on the Baltimore County Workplace Development Board, advising on workforce development initiatives. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households through a combination of goals-based planning, retirement income projections, and model portfolio management.

Craig Gross is a CFA® charterholder with 20 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2019, following a 14-year tenure at The Vanguard Group, Inc. Gross holds a Series 63 license and is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households focused on retirement goals, employing tax-aware rebalancing and interactive online planning tools.

Eric Armentrout is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at T Rowe Price and Equitable Advisors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services closely with Empower’s recordkeeping and administrative platforms.

Nathaniel Powell is a CFP® and holds a Series 66 license, with 15 years of industry experience. He has been with Suntrust Investment Services, INC since 2016, currently affiliated with Truist Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm employs a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and inter-affiliate integration among its affiliated entities.

Sean Potter is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has one year of industry experience. Prior to joining T. Rowe Price, he worked in various roles including positions in education and the food service industry. T. Rowe Price Advisory Services offers a retirement advisory program focused on 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 employs tax-aware strategies and uses Monte Carlo simulations for financial planning, serving clients with approximately $250,000 or more in investable assets.

Francis Walsh is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. Prior to joining T. Rowe Price, he worked at The Elkridge Club, where he helped run the golf shop and daily golf operations. T. Rowe Price Advisory Services offers retirement-focused financial planning and investment management to individual investors and households, utilizing model portfolios invested solely in T. Rowe Price mutual funds and ETFs, supported by online planning tools and discretionary account management.

Nicholas Petrelli is a CFP® and holds a Series 65 license with 16 years of industry experience. He currently works at Cerity Partners LLC and was previously with Maryland Capital Management, LLC for 13 years. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on customized, diversified portfolios.

Grace Rubacky is an Investment Consultant at Fidelity Investments. In this role, she collaborates with clients to develop holistic financial plans tailored to their individual needs, aiming to provide guidance that helps clients and their families feel confident and secure. She has held multiple positions at Fidelity Investments, including Relationship Manager and Financial Representative, gaining experience in client relationship management and financial planning. Grace's approach focuses on understanding clients' priorities and building trust through a step-by-step planning process.