James Gauthier is a CFA® charterholder with 18 years of industry experience. He currently works at Cerity Partners LLC and was previously employed at Maryland Capital Management, LLC. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm uses tailored asset allocation, manager selection, and quantitative screening alongside third-party managers and individual securities to build client programs.

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 designations and has two years of industry experience. Prior to joining T. Rowe Price in 2024, he worked at Aston Carter and has experience in the fitness industry with SOBO Strength & Performance and Merritt Clubs. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households focused on retirement goals, employing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs with a structured approach to asset allocation and tax-aware management.

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.

Ronald Fisher Jr. is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at Private Advisor Group since 2012 and LPL Financial since 2011, and has operated Fisher Financial Services since 1990. In addition to advisory services, he is involved in the sale of non-variable insurance products and basic income tax preparation through his own business. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion for more than 135,000 clients, including individuals, trusts, estates, and corporate retirement plans. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset management programs, employing a variety of investment strategies and coordinating services through multiple custodians.

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.

Joseph Conroy is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Synergy Financial Group, LLC and LPL Financial, LLC. He is also the author of the book *Decades & Decisions*. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs.

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. with three years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked in various roles including at Whiting Turner Contracting Company and Colorado College. T. Rowe Price Advisory Services, Inc. offers a retirement advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households focused on retirement goals. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing asset-location strategies, tax-aware rebalancing, and Monte Carlo simulations for financial planning.

Lora Ingrid Untalan is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds Series 63 and Series 66 licenses and has 15 years of industry experience. Her prior work includes roles at E*TRADE Securities LLC and Financial Intelligence. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which offers nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily for individual investors and households focused on retirement. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware rebalancing and Monte Carlo simulations to produce financial plans and retirement income projections.

Daniel Verbic is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He holds Series 65 and Series 63 credentials. Prior to joining Janney in 2026, he spent 20 years at Stifel. Janney Montgomery Scott LLC is a large 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 brokerage, 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.

Zachary Riese is a financial advisor at T. Rowe Price Advisory Services, Inc. with nine years of industry experience. He holds a Series 66 designation and has worked at T. Rowe Price since 2017, following prior roles at PNC Investments and PNC Bank. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing model portfolios and tax-aware strategies to support retirement goals.

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.

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 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.

Dimitrios Prassos is a financial advisor with Equity Services, Inc., holding Series 65 and Series 63 licenses and over 12 years of industry experience. He has been with Equity Services, Inc. and Worthington Financial Partners since 2013. Outside of his advisory role, he is involved in part-time accounting and consulting for startup businesses and is also a writer and author. Equity Services, Inc., operating 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 employs multiple advisory platforms, often utilizing third-party asset managers and model portfolios, and manages a significant portion of its assets on a non-discretionary basis.

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.