Robert Smith is a financial advisor with Equity Services, Inc. in Glenwood, MD, holding the ChFC® and Series 63 designations and over 53 years of industry experience. He has been with Equity Services, Inc. since 1972. In addition to his advisory role, he operates as an insurance agent through Evolution Financial Group, selling life, health, disability, and long-term care insurance. 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, often utilizing third-party asset managers and combining long-term strategies with options for shorter-term trading and specialized instruments.

Candice Elam is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, E*TRADE Securities LLC, and New York Life Insurance Company. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing proprietary mutual funds and ETFs with an emphasis on tax-aware strategies and model allocations tailored to client goals.

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.

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.

David Asher is a financial advisor at Kestra Advisory with over 32 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 65 licenses. In addition to his advisory role, he owns Asher Financial Services, where he provides tax preparation and accounting services as a CPA and sells life, health, and long-term care insurance. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including very large investors such as sovereign wealth funds. The firm provides services including fiduciary consulting, plan design, compliance testing, and access to multiple management platforms and third-party solutions.

William Fritz is a CFA® charterholder working with TIAA-CREF in Washington, DC. He has been with TIAA since 2014 and joined TIAA-CREF in 2025. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered retirement plans. The firm separates financial planning services from ongoing portfolio management and acts as adviser to a donor-advised fund, operating within a vertically integrated structure.

Kelly Somorin is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 designations and bringing 21 years of industry experience. She has been with T. Rowe Price since 2014. 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 exclusively in T. Rowe Price mutual funds and ETFs, supported by an online planning tool and telephone access to advisors.

David Frank is a Certified Financial Planner (CFP®) with 33 years of industry experience. He currently works at &PARTNERS, where he has been since 2024. Prior to that, he spent 12 years at Wells Fargo Advisors and Wells Fargo Clearing. &PARTNERS serves a diverse client base including high-net-worth individuals, institutions, retirement plans, and charitable organizations. The firm offers investment management, financial and tax planning, and fiduciary consulting, utilizing both proprietary and third-party strategies with ongoing monitoring and review.

Nicholas Wasielewski is a financial advisor with TIAA-CREF in Columbia, MD, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has been with TIAA-CREF since 2015. Outside of his advisory role, he serves as a non-compensated board member of the Angie Houtz Memorial Scholarship, a nonprofit that awards scholarships to students attending Maryland public colleges and universities. TIAA-CREF’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA employer retirement plans, as well as trusts, estates, and small retirement plans. The firm separates point-in-time planning from ongoing discretionary management and acts as adviser to a donor-advised fund while operating within a vertically integrated group that uses affiliated funds.

Tiffany Eley is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and two years of industry experience. Her prior work includes roles at Bank of America and the Automobile Club of Southern California. Outside of financial advising, she works as an independent contractor for Instacart, providing grocery shopping and delivery services. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary financial planning with discretionary investment management, primarily using proprietary T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households, emphasizing retirement income planning supported by an online interactive planning tool.

Christopher Lashley is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and three years of industry experience. He has worked at T. Rowe Price since 2019 and has prior experience in education and other fields, including roles at Perry Hall Christian School, Harford Community College, and Towson University. T. Rowe Price Advisory Services, Inc. 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 and employs model portfolios with tax-aware strategies, providing online tools and telephone access to advisors.

Nolan Mc Neill is a financial advisor at T. Rowe Price Advisory Services, Inc. with three years of industry experience and a Series 66 credential. His prior roles include positions at Fis, Bank of America, GuideMark Strategic Advisors, Sandy Spring Bank, and the University of Maryland. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service focused on individual investors and households with retirement goals, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs.

Samuel Hulett is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining T. Rowe Price, he worked at United Rentals for three years and has held various roles including at Latitude Inc and the Hurricane Junior Golf Tour. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households using proprietary T. Rowe Price mutual funds and ETFs. Their program combines telephone access to advisors, online planning tools, and model portfolio allocations designed to support retirement goals.

Carol Hess is a financial advisor at Janney Montgomery Scott with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Janney since 2009. Hess serves as a member of the board for the Hebrew Burial Society in Towson, MD. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients including individuals, families, trusts, estates, and institutional sponsors, offering a variety of brokerage, financial planning, and advisory services.

Shannon Hogan is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Hogan has worked with Truist Advisory Services since 2016 and with its affiliated firm, Truist Investment Services, Inc., since 2015. 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 combines discretionary manager relationships and non-discretionary consulting, utilizing third-party platforms and AI-enabled research tools to support its manager selection and oversight processes.

Hyungwook Lee is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He has held previous roles at PNC, ENI, AXI Remodeling Inc., and Keller Williams. 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, typically requiring about $250,000 in investable assets to enroll.