Brandon Fanelle is a financial advisor at Janney Montgomery Scott with 11 years of industry experience. He holds a Series 66 designation and has been with Janney in various capacities since 2016. Outside of his advisory role, he serves as an adjunct professor at Towson University, teaching a course in the College of Business & Economics. Janney Montgomery Scott LLC is a large enterprise firm managing approximately $110 billion in client assets. It 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.

Chase Cullison is a financial advisor at Empower Advisory Group with five years of industry experience. He has held positions at Wells Fargo Bank, Wells Fargo Clearing, and T. Rowe Price. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s integrated model is tied to Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Sheila James is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and 25 years of industry experience. She has worked with T. Rowe Price and its affiliated entities since 2006. Outside of advising, she operates a travel consulting business, Cruises and Tours Unlimited, which she started in 1988. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm employs a goals-based approach using proprietary mutual funds and ETFs, with financial plans supported by Monte Carlo simulations and ongoing portfolio management.

Lucy Gussio is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience and holds a Series 66 designation. Her prior roles include positions at the Michael P. O'Brien Athletic and Recreation Center, St. Mary’s College of Maryland, Central Chesapeake, and Notre Dame Preparatory School. T. Rowe Price Advisory Services, Inc. offers the T. Rowe Price Retirement Advisory Service, which focuses on retirement planning for individual investors and households through a combination of nondiscretionary financial planning, retirement income strategies, and discretionary investment management using proprietary mutual funds and ETFs. The firm’s approach includes model allocations, tax-aware rebalancing, and Monte Carlo simulations to provide ongoing portfolio management and financial planning.

Brian Kuhn is a CFP® professional with 23 years of experience in the financial services industry. He is currently with Wealth Enhancement Advisory Services, LLC and has prior experience at LPL Financial and Triad Advisors, Inc. Outside of his advisory work, Kuhn occasionally works as a background actor in television and film and is an author of several personal finance books, including a children’s book and a guide on federal employee benefits. He also speaks publicly on personal finance topics in the Maryland, DC, and Virginia area. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers a range of financial planning, asset management, and retirement consulting services, employing a strategic investment approach that combines passive and active management guided by an internal Investment Committee.

Tracy Kuddar Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and seven years of industry experience. He has been with T. Rowe Price since 2018. Outside of advisory work, he is employed as a driver for food delivery services including Instacart and DoorDash. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines telephone access to advisors with an online planning tool and employs tax-aware strategies and Monte Carlo simulations for retirement income planning.

Erika Hudson is a financial advisor at Empower Advisory Group with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Charles Schwab Bank and TD Ameritrade. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage account holders, delivering integrated services through Empower’s recordkeeping and administrative platforms.

Tatyana Bunich is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and over 32 years of industry experience. Her prior roles include positions at CL Wealth Management LLC and Cabot Lodge Securities. She is also the owner of Financial 1 Wealth Management Group and provides tax preparation and accounting services through Financial 1 Tax Inc. Additionally, she has authored a book published under the name Financial 1 Publishing. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs a combination of strategic asset allocation and multi-manager portfolios across various risk profiles, utilizing both active and passive investment strategies.

Eric Borsoni is a financial advisor at Schwab Wealth Advisory with 23 years of industry experience. He holds Series 65 and Series 66 credentials and has worked at firms including Morgan Stanley, Ameriprise Financial Services, and New York Life. Outside of financial services, he is involved in youth lacrosse organizations as a member of the advisory board for Harlem Lacrosse of Baltimore, a board member of the Maryland Lacrosse League, and serves as an assistant varsity lacrosse coach with Howard County Public Schools. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its Wealth Advisory program, offering financial reviews, planning discussions, and investment recommendations using Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within Charles Schwab & Co. and does not engage in discretionary portfolio management.

James Anderson is a financial advisor at T. Rowe Price Advisory Services, Inc. with series 66 and 63 licenses. He joined T. Rowe Price in 2026 and has prior experience at Citibank NA and Equinox Holdings, Inc. Outside of finance, he has held various roles in hospitality and education, including operating several bar and tavern establishments. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses proprietary mutual funds and ETFs within model portfolios alongside tax-aware strategies and Monte Carlo-based retirement income projections.

Kevin Belshaw is a Certified Financial Planner® with 12 years of industry experience. He has been with United Planners Financial Services of America since 2019 and also serves as president of TriBel Consulting Firm, LLC, a consulting business unrelated to investment services. Additionally, he has experience as an insurance agent specializing in non-variable insurance and has held roles at MassMutual and the Maritime Institute of Technology and Graduate Studies. United Planners Financial Services of America serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.

Aeric Alexander is a financial advisor with Equity Services, Inc., holding Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at National Life Group, InvestorPlace LLC, and T. Rowe Price. Alexander is also involved in insurance-related activities, assisting teachers with their benefits and working as an insurance agent. 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 combines long-term investment strategies with multiple advisory platforms and frequently uses third-party asset managers and model portfolios.

Candice Elam is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining T. Rowe Price, she worked at Morgan Stanley and E*TRADE Securities LLC. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management to individual investors and households, using model allocations invested exclusively in T. Rowe Price mutual funds and ETFs. The firm emphasizes goals-based planning, tax-aware management, and online tools to support client engagement.

Darcy Carroll is a financial advisor at William Blair with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at William Blair since 2019, previously spending 13 years at Brown Advisory Securities, LLC. William Blair’s Private Wealth Management division offers discretionary and non-discretionary investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients. The firm employs an active, research-driven approach across equities, fixed income, and alternative strategies, providing proprietary models and access to private funds and co-investment opportunities.

Fathima Sabeeha Wafik is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. She previously worked at the London Stock Exchange Group for three years and holds a Series 66 designation. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, primarily using T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households aiming for retirement goals and employs a structured investment approach including tax-aware rebalancing and Monte Carlo-based financial planning tools.

Ajaz Rahman is a CFP® with 21 years of industry experience, currently affiliated with T. Rowe Price Advisory Services, Inc. He previously worked at Brookstone Capital Management, Ameriprise Financial Services, Inc., and M&T Bank and M&T Securities. Outside his advisory role, he also engages in selling life insurance and annuities through J D Mellberg. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm uses model portfolios invested in proprietary mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations to support retirement income planning.

Jonathan Wienecke is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC. He has worked with Wealth Enhancement firms since 2019 and previously held roles at Planning Solutions Group, LLC and Triad Advisors, Inc. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by an internal Investment Committee and research targeting factor premiums.

Kelly Mullican is a Series 66-registered financial advisor with Valic Financial Advisors, bringing five years of industry experience. Prior to joining Valic Financial Advisors in 2020, Mullican worked at Madrones American Grill from 2016 to 2020. Mullican also holds an agent position at AGIA, focusing on non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and wrap programs through a large network of advisors. The firm emphasizes discretionary unified managed accounts via Envestnet’s platform and manages approximately $29.2 billion across nearly 300,000 clients.

Richard Czypinski is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and having eight years of industry experience. He has been with T. Rowe Price since 2017. Outside of his advisory role, he serves as a sound technician for United Church, supporting various speaking and music-related events. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households, implementing portfolio allocations exclusively in T. Rowe Price mutual funds and ETFs with a focus on tax-aware strategies and model-driven investment management.

Zachary Boleyn is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Beacon Pointe Advisors, LLC. His prior experience includes roles at Triad Advisors and Keeney Financial Group Inc. He is also licensed as an insurance agent, involved in the sale of life, health, and accident insurance products through Beacon Pointe Insurance Services, LLC. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients, employing a manager due-diligence process and utilizing third-party platforms to implement client strategies across various asset classes.