Robert Skaare II is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63, 65, and 66 credentials and possessing 29 years of industry experience. He has been with T. Rowe Price since 2012. Outside of his advisory role, he works as a contractor and referee for the Southeastern Hockey Officials Association across MD, VA, PA, and DC. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, employing a model portfolio approach invested exclusively in proprietary T. Rowe Price mutual funds and ETFs, supported by an interactive online planning tool.

Hong Chiu is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 65 and Series 66 licenses and has four years of industry experience. His prior roles include positions at Sunnylending LLC, Transamerica Financial Advisors, Inc., and World Financial Group, Inc. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing a model-driven approach with online tools and telephone access to advisors.

Steven Baden is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and five years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. Before entering the financial industry, he worked for WoodWorks, part of the American Forest & Paper Association, from 2014 to 2019. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which offers nondiscretionary financial planning and discretionary investment management primarily for individual investors and households focused on retirement. The firm utilizes model portfolios invested exclusively in proprietary mutual funds and ETFs, combines tax-aware strategies, and delivers plans through an interactive online tool supported by telephone access to advisors.

Brent Andersen is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and 19 years of industry experience. He has been with T. Rowe Price Investment Services since 2010. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program that combines nondiscretionary financial planning, retirement income planning, and discretionary investment management using selected proprietary mutual funds and ETFs. The firm serves individual investors and households, emphasizing model portfolio allocations, tax-aware rebalancing, and online planning tools.

S. Paulina Nemec is a financial advisor with Eagle Strategies (NY Life) based in Woodstock, MD, holding Series 63 and Series 65 licenses with 29 years of industry experience. She has worked with New York Life Insurance Company and Nylife Securities Inc. since 2002. Outside of her advisory role, she volunteers at Gilchrist Hospice Care, participating in fundraising events and facility support. Eagle Strategies serves a diverse client base including individual investors and institutional plans, providing financial planning, investment management, and retirement advisory services. The firm offers multiple program types tailored to client and plan sponsor objectives, with most regulatory assets managed on a non-discretionary basis.

Briana Lantuh is a financial advisor at William Blair with a Series 66 designation and one year of industry experience. Before joining William Blair, she held various roles across sectors including technology and education, with positions at Carahsoft Technology Corp. and The University of North Carolina at Chapel Hill. William Blair’s Private Wealth Management division offers discretionary and non-discretionary investment management, financial planning, and wealth services to individuals, foundations, pension funds, and corporate clients. The firm emphasizes active, research-driven management across multiple asset classes and provides access to proprietary models, third-party sub-managers, and private investment opportunities.

Malgorzata Elashmawy is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at HB Wealth since 2025. She previously worked at WMS Partners, LLC for 14 years. Elashmawy is also involved with the FPA of Maryland as Co-Chairperson of its Pro Bono Committee, where she organizes pro bono financial advice initiatives for nonprofit organizations and underserved communities. HB Wealth Management is a registered investment adviser that offers wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm employs a disciplined investment process that includes discretionary portfolio management and a combination of quantitative and qualitative due diligence across a range of public and private strategies.

Gustav Jakowitsch III is a financial advisor at T. Rowe Price Advisory Services, Inc. with 12 years of industry experience. He holds a Series 66 designation and has been with T. Rowe Price since 2013. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service to individual investors and households focused on retirement goals, combining goals-based financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm employs asset-location strategies, tax-aware rebalancing, and uses an interactive online planning tool with Monte Carlo simulations for retirement projections.

James Carroll Jr. is a financial advisor with PNC Wealth Management in Westminster, MD, holding a Series 66 designation and nine years of industry experience. He has previously worked at Merrill and Bank of America, N.A. Carroll joined PNC Investments LLC in 2024. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only, employee pilot that uses algorithm-driven risk assessments to manage portfolios with mutual funds and ETFs.

Jeffrey Berman is a CFP® and PFS™ with 27 years of experience in the financial services industry. He has been with Equity Services, Inc. for 22 years and is also a partner and tax practice leader at the accounting firm Kahn Berman Soloman Taibel & Mogol Pa, where he has worked since 1987. Outside of financial advising, he is involved in producing animated films through a partnership in Mulligan Man, LLC. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with options for shorter-term trading, utilizing multiple advisory platforms and third-party asset managers.

Cari Elliott is a financial advisor at HB Wealth with a Series 65 credential and three years of industry experience. Prior to joining HB Wealth in 2025, she worked at WMS Partners and CovingtonAlsina. Outside of her advisory role, Ms. Elliott is involved in coordinating events and managing vendor relations for The Barn at Pleasant Acres, a wedding venue. 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 and combines quantitative and qualitative due diligence across public and private investment strategies.

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.

Dana Mazzarella is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 credentials and seven years of industry experience. She has worked with Kestra Advisory and related entities since 2015. Outside of her advisory role, she serves as an administrative assistant at Asher Financial Services, supporting tax and accounting operations. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, and employee education, managing approximately $79.8 billion in assets and serving large institutional investors such as sovereign wealth funds.

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. in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. Prior to joining T. Rowe Price in 2018, he worked at Northwestern Mutual in various capacities and has experience in both wealth management and insurance. Outside of finance, he is a part-owner of Tell Tale Coffee Company, a coffee sales business based in Westminster, MD. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households with at least $250,000 in investable assets. The firm uses model portfolios invested in proprietary T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo-based retirement income projections through an online planning tool.

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.

Karina Funk is a CFA® charterholder with 13 years of industry experience, currently serving at Brown Investment Advisory & Trust Company since 2009. She is based in Baltimore, MD. Brown Advisory provides investment management and advisory services to a diverse range of institutional and individual clients, including high net worth individuals, endowments, foundations, pension plans, charitable organizations, and corporations. The firm employs a bottom-up, fundamental research approach to construct concentrated portfolios and offers a variety of strategies including sustainable-investment options, along with model portfolios and sub-advisory services.

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.