James Gauthier is a CFA® charterholder with 18 years of experience in investment management. He is currently with Cerity Partners LLC and previously worked at Maryland Capital Management, Vansant Mewshaw, BlackRock Investment Management, 1919 Investment Counsel, and Legg Mason Investment Counsel. Cerity Partners serves a diverse clientele including individuals, families, trusts, charitable institutions, and institutional investors, offering customized wealth management services incorporating proprietary quantitative screening, manager selection, direct security selection, and alternative investment access.

Kobe Bolanos is a CFP® professional with four years of industry experience, currently with Kestra Advisory. He has worked at Kestra Advisory and affiliated firms since 2021 and has prior experience at Armstrong Flooring, Under Armour, Stevenson University, Kohl’s, and Ruby Tuesday. Outside of advisory duties, he holds roles involving investment operations and registered representative activities at Kestra-related entities. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients, offering services such as fiduciary consulting, plan design, and advisor-managed accounts. The firm serves large institutional investors and utilizes multiple management platforms and third-party solutions within a supervisory framework.

Dennis Strittmatter is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 66 and Series 63 licenses and has two years of industry experience. His prior work includes roles at Aston Carter, SOBO Strength & Performance, and Merritt Clubs. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary 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, using asset-location strategies, tax-aware rebalancing, and Monte Carlo simulations to support retirement income planning.

Bryan Ator is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has two years of industry experience. His prior roles include positions at T. Rowe Price Investment Services, Inc. and Cowan Systems, as well as employment related to the University of Maryland. T. Rowe Price Advisory Services provides retirement-focused financial planning and discretionary investment management primarily for 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 simulation-based financial plans.

Marc Shuster is a financial advisor with Eagle Strategies (NY Life) in Timonium, MD, holding the ChFC® and Series 63 designations and bringing 22 years of industry experience. He has worked with Eagle Strategies since 2018 and has been the owner of MJS Financial Group, LLC since 2007. Outside of advisory services, Shuster is involved in brokering non-registered insurance products and property and casualty insurance through appointments with outside carriers, and he is also a personal investor in cryptocurrencies. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis, working extensively with institutional plan sponsors and integrating advisory and insurance solutions within the New York Life affiliate structure.

Christine Lewis is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds a Series 66 designation and has 11 years of industry experience, including 12 years at T. Rowe Price. Outside of her advisory role, she operates a sole proprietorship selling templates such as invitations and workbooks on online marketplaces. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm implements portfolios using proprietary T. Rowe Price mutual funds and ETFs with a goals-based, tax-aware approach supported by online planning tools and telephone access to advisors.

Garmai Forlorma is a financial advisor at Creative Planning with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at firms including Lockton Companies, Triad Advisors, Wells Fargo Advisors, and T. Rowe Price Investment Services. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a broad client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure while offering comprehensive support through affiliated legal, accounting, and trust service entities.

Kaitlin Zook is a CFP® professional with six years of industry experience. She is currently with HB Wealth Management, having joined the firm in 2025 after six years at WMS Partners, LLC. 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 offers discretionary portfolio management aligned with clients’ objectives and risk tolerance, utilizing a mix of public and private investment strategies and providing consolidated quarterly reporting.

Jacob Linden 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 work includes roles outside finance, such as positions at Whiting Turner Contracting Company, Davis' Pub, and Colorado College. 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 primarily in proprietary mutual funds and ETFs. The firm uses model portfolios implemented at the household level and employs tax-aware rebalancing and Monte Carlo simulations for financial planning.

Lora Ingrid Untalan is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 credentials and bringing 15 years of industry experience. Her career includes over a decade at E*TRADE Securities LLC and recent roles at Financial Intelligence and T. Rowe Price Investment Services Inc. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service that combines goals-based financial planning, retirement income strategies, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing model portfolios, tax-aware rebalancing, and Monte Carlo simulations to support retirement planning.

Daniel Verbic is a financial advisor at Janney Montgomery Scott with Series 65 and Series 63 credentials and 33 years of industry experience. He worked at Stifel for 20 years prior to joining Janney Montgomery Scott in 2026. 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 clientele, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and various advisory programs.

Nony Persichitti is a financial advisor at T. Rowe Price Advisory Services, Inc. with Series 66 credentials and two years of industry experience. Prior roles include positions at Truist and T. Rowe Price, as well as work in the hospitality sector and education. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households, utilizing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines goals-based planning with an online interactive tool and offers telephone access to advisors.

Silvia Arrue Carcamo is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Raymond James & Associates and Pro Services, LLC. 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 wide range of clients, including individuals, families, trusts, estates, and institutional sponsors, offering brokerage, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

Zachary Riese is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and 10 years of industry experience. He has worked at T. Rowe Price since 2017 and previously held positions at PNC Investments and PNC Bank. T. Rowe Price Advisory Services provides retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing proprietary mutual funds and ETFs with a goals-based approach supported by an online planning tool.

Justin Carpenter is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has eight years of industry experience. His previous roles include positions at Merrill and Capital One. T. Rowe Price Advisory Services offers a retirement-focused advisory program 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, providing point-in-time financial plans and annual reviews supported by an online planning tool and telephone access to advisors.

Nicholas Hood is a financial advisor with Equity Services, Inc. holding a Series 66 designation and 11 years of industry experience. Prior to joining Equity Services, he held roles at National Life Group, Cambridge Investment Research Advisors, and MassMutual, among others. Outside of finance, he owns and operates Nick Hood Photography and has been involved with Towson University’s Stephens Hall Theatre for nearly two decades. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, combining long-term investment strategies with options for shorter-term trading and specialized instruments, and operates both as a broker-dealer and an SEC-registered investment adviser.

Grant Williams is a financial advisor at T. Rowe Price Advisory Services, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at T. Rowe Price since 2018. Prior to that, he held roles in educational institutions including Manheim Township School District and Lincoln Intermediate Unit 12. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management primarily through T. Rowe Price mutual funds and ETFs. The service employs tax-aware strategies and Monte Carlo simulations to generate financial plans and is tailored for individual investors meeting specified asset minimums.

Dimitrios Prassos is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Timonium, MD, holding Series 65 and Series 63 licenses and having 13 years of industry experience. He has been with Equity Services and Worthington Financial Partners since 2013. Outside of his advisory role, Prassos is involved in part-time writing and accounting consulting for startups, as well as freelance food service management. Equity Services, Inc. provides financial planning, consulting, and asset management to a broad client base including individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and an SEC-registered investment adviser, offering multiple advisory platforms that combine long-term strategies with options for shorter-term trading and third-party management.

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.

Michael Dipaula is a financial advisor at AE Wealth Management, LLC with 13 years of industry experience. He holds a Series 65 designation and has worked at AE Wealth Management since 2017, following prior roles at Everest Investment Advisors and Everest Wealth Management. In addition to his advisory work, he is involved in insurance sales through Flora & Dipaula Wealth Partners. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm employs a platform-centered investment approach combining model portfolios managed by AEWM, third-party strategists, and advisor-managed models to provide tailored advisory solutions.