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., holding Series 63 and 66 licenses and five years of industry experience. He has been with T. Rowe Price since 2017, following roles including sports medicine at Oberlin College. T. Rowe Price Advisory Services offers the Retirement Advisory Service to individual investors and households focused on retirement goals, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs.

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.

Lester Wolf is a financial advisor with Eagle Strategies (NY Life) based in Baltimore, MD. He holds the CFP® and ChFC® designations and has 32 years of industry experience. His career includes long-standing roles at New York Life and Nylife Securities Inc. since 1993, and he is currently affiliated with Tactical Financial Group, LLC. Wolf also works as an insurance broker, providing insurance solutions outside of NYL products. Eagle Strategies serves individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services through a large network of advisers. The firm emphasizes tailored recommendations across multiple program types and manages the majority of its regulatory assets on a non-discretionary basis.

Thomas Ervin Jr. is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds a Series 66 credential and began his advisory career in 2025. Prior to joining T. Rowe Price, his experience includes roles outside of the financial industry and part-time work in education. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm utilizes proprietary mutual funds and ETFs with a goals-based approach supported by an online planning tool and telephone access to advisors.

Robyn Hawkins is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and 14 years of industry experience. Her prior roles include positions at Merrill, Wells Fargo Advisors, and Prudential. Outside of her advisory work, she teaches English to refugee students as an instructor for Strong City Baltimore and serves as an after-school camp leader for Baltimore County Recreation and Parks. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, alongside services for Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and savings rates in its planning approach and integrates closely with affiliated Empower entities for recordkeeping and brokerage execution.

Dylan Vasbinder is a Series 66 licensed financial advisor at T. Rowe Price Advisory Services, Inc. with five years of industry experience. His prior roles include positions at Edward Jones and Morgan Stanley. 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 T. Rowe Price mutual funds and ETFs. The service offers financial plans and ongoing reviews supported by an interactive online tool and telephone access to advisors.

Kalen Baxter is a financial advisor with Private Advisor Group, LLC and holds the CFP® designation along with Series 63 and Series 65 licenses. He has 29 years of industry experience, including roles at LPL Financial, Joseph Klein Associates, and New England Securities. He is involved with Joseph Klein Associates, which operates as a registered investment advisory business. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm employs a fiduciary-based advisory model and utilizes a combination of technology platforms and third-party managers to implement client strategies.

David Cosimano is a Series 66-licensed financial advisor with T. Rowe Price Advisory Services, Inc. He has one year of industry experience and has held previous positions at T. Rowe Price, FIS Global, Caruso, Smith, Picini, and Wells Fargo Advisors. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management to individual investors and households, using proprietary mutual funds and ETFs with a goals-based approach supported by online tools and telephone access to advisors.

Michael Yanchoris is a ChFC® credentialed financial advisor with 38 years of industry experience. He has been with Primerica Advisors and Guardian Life Insurance Co of America since 2011. Yanchoris is also involved in insurance activities outside of Guardian Life. Primerica Advisors operates as part of Park Avenue Securities LLC, serving a broad retail client base with both brokerage and advisory services, offering proprietary advisory programs and a variety of investment options through an integrated operating model.

Alexander Faber is a CFP®, CFA®, and Series 66 designated advisor with eight years of industry experience. He is currently with Cerity Partners LLC and has previously worked at Maryland Capital Management, TIAA, and Wake Forest University. Cerity Partners provides customized wealth management services to a diverse national clientele, including high-net-worth individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset allocation, manager selection, and periodic rebalancing, utilizing proprietary quantitative screens alongside third-party managers and individual securities.

Sean Anderson is a Series 65-registered financial advisor with three years of industry experience. He is currently with HB Wealth Management, LLC and previously worked at WMS Partners, LLC and Greenspring Advisors, LLC. Prior to his financial career, he attended Kenyon College. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm employs a discretionary investment approach that integrates quantitative and qualitative due diligence across a range of public and private strategies and provides consolidated quarterly reporting aligned with clients’ objectives and risk tolerance.

Rachel Sarecky is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 credential. She has one year of industry experience and previously worked at firms including Hospitality Asset Management Services, Leidos, and The Health Management Academy. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households with investable assets generally starting around $250,000 and employs strategies such as tax-aware rebalancing and Monte Carlo simulations for financial planning.

Patricia Almony is a financial advisor with Equity Services, Inc. and Worthington Financial Partners, holding Series 63 and Series 65 designations with 36 years of industry experience. Her career includes roles at SunTrust Advisory Services, M&T Securities, LPL Financial, and Uvest Financial Services. Outside of advising, she is involved in running a small business selling craft items and scrapbooking supplies and is a brand partner for a skincare and wellness company. 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 offers multiple advisory platforms, often using third-party managers and model portfolios, and combines long-term strategies with options for shorter-term trading and specialized instruments.

David Flanders is a CFP® professional with 15 years of industry experience, currently affiliated with Commonwealth Financial Network since 2018. Prior to joining Commonwealth, he worked at 1ST Global Advisors, Inc. and 1st Global Capital Corp from 2010 to 2018. He is also the sole owner of David A. Flanders, CPA, LLC, a tax preparation firm. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs, operational support, and investment management services, allowing advisors discretion in portfolio construction alongside access to model portfolios managed by Commonwealth’s Investment Management and Research team.

Heather Follis is a financial advisor with PNC Wealth Management in Ellicott City, MD. She holds Series 63 and Series 66 designations and has 23 years of industry experience, including 19 years with PNC Investments. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available as an invitation-only pilot for employees. The firm’s investment approach uses approved model strategies with mutual funds and ETFs, annual rebalancing, and algorithm-driven risk assessment.

Brendan Mullally is a financial advisor with Empower Advisory Group in Baltimore, MD, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of America, Merrill, and Equitable Advisors. Outside of his advisory work, he is involved as a lacrosse coach. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders, using an integrated model tied to Empower’s recordkeeping and administrative platforms.

Joel Albert is a financial advisor with Eagle Strategies (NY Life) based in Timonium, MD. He holds Series 63 and Series 66 licenses and has 14 years of industry experience. Prior to his current role, he was involved with Happy Paws Inc. for eight years. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and plan sponsors. The firm offers financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors, focusing primarily on non-discretionary asset management and tailored solutions aligned with client objectives.