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® with six years of industry experience, currently affiliated with Truist Advisory Services. He has previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA. Hunt serves on the board of directors for 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, corporate clients, retirement plan sponsors, and charitable organizations, utilizing both discretionary and non-discretionary manager relationships supported by third-party platforms and AI-enabled research tools.

Daniel Martinez is a financial advisor with T. Rowe Price Advisory Services, Inc. in Baltimore, MD, holding Series 63 and Series 66 designations and six years of industry experience. He has been with T. Rowe Price since 2018 and has prior work experience in various roles including positions at Applebees, Muscle Maker Grill, and Baia Restaurant. T. Rowe Price Advisory Services, Inc. offers individualized retirement planning and discretionary investment management focused on retirement goals, employing model allocations invested exclusively in proprietary T. Rowe Price mutual funds and ETFs. The firm uses goal-based financial planning tools and delivers ongoing plan reviews primarily to households with substantial investable assets.

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.

Thomas Thibeault is a financial advisor with Chapin Davis in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Chapin Davis since 2009. Chapin Davis provides investment advisory and financial planning services to individuals, corporations, trusts, and retirement accounts. The firm manages approximately $539 million in assets and serves several hundred client relationships through a multi-advisor team that employs a variety of investment strategies and portfolio management approaches.

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.

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.

Michael Sullivan is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 27 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Keel Point, LLC. T. Rowe Price Advisory Services offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing model-based portfolio allocations and tax-aware strategies.

Daniel Beadell is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 15 years of industry experience. He has been with T. Rowe Price Investment Services, Inc. since 2010. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service to individual investors and households, combining nondiscretionary financial planning, retirement income projections, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm employs a model allocation approach tailored to client goals and uses electronic delivery and signatures as part of its enrollment process.

Frank Lucia Jr. is a financial advisor with Equity Services, Inc. in Timonium, MD, holding Series 63 and 66 licenses and bringing 31 years of industry experience. He has been associated with National Life Group and Equity Services, Inc. since 2007. Additionally, he serves as an insurance agent with Worthington Financial Partners. 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 offers multiple advisory platforms and frequently utilizes third-party asset managers, combining long-term strategies with options for specialized trading.

Michael Oye Adeniran is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining T. Rowe Price in 2022, he worked at Fidelity Investments and held positions outside the financial industry, including roles at Lowe’s Companies, Inc. and Kay Jewelers. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management primarily for individual investors and households. The firm employs a goals-based, nondiscretionary planning approach combined with discretionary investment management using proprietary mutual funds and ETFs, supported by an online planning tool and telephone access to advisors.

Michael Chasney Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing four years of industry experience. Prior to joining T. Rowe Price in 2017, he worked in sports medicine at Oberlin College and was involved with The L'Hirondelle Club. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management with online tools and advisor support. The service uses model portfolios exclusively invested in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations for retirement planning.

Gregory Heard is a financial advisor at Cerity Partners LLC with 21 years of industry experience. He holds a Series 65 designation and previously worked at Maryland Capital Management, LLC for 18 years. Outside of his advisory role, he serves on the board of directors for Calalyst IT Services, Inc., an IT services and staffing company. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, and other investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and retirement plan services, with a focus on customized, diversified portfolios that incorporate both proprietary quantitative screening and third-party managers.

William Chlan Jr. is a financial advisor at MAI Capital Management, LLC with 18 years of industry experience. He holds the PFS™ designation and Series 65 license. Prior to joining MAI, he worked 17 years at Court Place Advisors, LLC and has operated his own legal and accounting practice as an attorney and CPA since 1992. His practice provides non-investment-related legal and accounting services and occasionally introduces clients to MAI Capital Management without obligation or referral fees. MAI Capital Management offers discretionary and non-discretionary investment management, integrated wealth management, retirement plan consulting, and family-office services to a diverse client base including high-net-worth individuals, families, institutional clients, and sports professionals. The firm manages $72.3 billion in assets and provides customized portfolio strategies using in-house managers, third-party sub-advisers, and various account models, along with trust and insurance administration services.