Andrew Schwartz is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 designations and two years of industry experience. Prior to his current role, he held positions at Under Armour, Cohen, Snyder, Eisenberg & Katzenberg P.A., and Elon University Athletic Administration. His background also includes involvement with the Burlington Sock Puppets and Palanzo Martial Arts. 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 through T. Rowe Price mutual funds and ETFs.

Daniel Pineiro is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and two years of industry experience. His prior roles include positions at Mitchell and Hastings Financial Services and InFocus Financial Advisors Inc. He also has experience outside finance, including work with The TJX Companies, Inc., and teaching at Century High School and Salisbury University. T. Rowe Price Advisory Services 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 primarily through proprietary T. Rowe Price mutual funds and ETFs. The firm employs asset-location strategies, tax-aware rebalancing, and Monte Carlo-based financial planning delivered with telephone advisor access and online tools.

Eric Miller is a financial advisor with Janney Montgomery Scott in Towson, MD, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Janney Montgomery Scott since 2006. 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 plans, and offers a range of brokerage, financial planning, and advisory services.

Adekemi Azeez is a financial advisor at T. Rowe Price Advisory Services, Inc. with 16 years of industry experience. She holds the Series 66 designation and previously worked at Merrill and Bank of America, N.A. for ten years. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service that combines 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 allocations and tax-aware strategies supported by an interactive online planning tool.

Gavin La Dore is a financial advisor at Valic Financial Advisors with a Series 66 designation and one year of industry experience. He has prior experience at Ameriprise Financial and has been involved with various organizations including Sacred Heart Outreach Camp and Maryland Football. Additionally, he is appointed as an agent to sell non-securities insurance products for AGIA. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction and management.

Debra Hemphill is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. Her prior work includes roles at Liberty Tax Service and Macy's. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management to individual investors and households, using a combination of nondiscretionary planning and discretionary portfolio management primarily invested in proprietary T. Rowe Price mutual funds and ETFs. The firm employs a structured approach with tax-aware rebalancing and Monte Carlo-based retirement income projections.

William Peck is a financial advisor with Janney Montgomery Scott in Towson, MD, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He worked at Brown Advisory Securities, LLC for 13 years before joining Janney Montgomery Scott in 2018. Peck serves as a board member and treasurer of the Kernan Hospital Endowment and is an investment committee member for the University of Maryland Medical System. 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 wide range of clients through brokerage services, financial planning, and advisory programs, using both in-house portfolio management and third-party managers.

Joshua Scheinker is a Series 66-licensed financial advisor with Janney Montgomery Scott, based in Hunt Valley, MD, with 28 years of industry experience. He has worked at Janney Montgomery Scott since 2009. Outside of his advisory role, Scheinker serves as a board member of the Cal Ripken Senior Foundation, a nonprofit focused on youth development, and sits on the advisory board of Crainius, a med tech startup working toward FDA approval. Janney Montgomery Scott is a 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, estates, and institutional clients, offering brokerage, financial planning, consulting, and advisory programs through a combination of in-house and third-party portfolio management.

Lesa Crosser is a financial advisor at HB Wealth with 19 years of industry experience. She holds a Series 66 designation and previously worked at Wms Partners LLC for 14 years before joining HB Wealth in 2025. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, and institutional clients. The firm offers wealth management, investment management, and financial planning, combining quantitative and qualitative due diligence across public and private investment strategies.

Lorraine Flowers is a CERTIFIED FINANCIAL PLANNER™ professional with 38 years of industry experience. She is an Investment Advisor Representative at Kestra Advisory Services, LLC, where she has worked since 2016. In addition to her advisory role, she owns The Flowers Financial Group, through which she acts as a life and health insurance agent. 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, employee education, and access to multiple management platforms, serving a range of clients from small plans to large institutional investors like sovereign wealth funds.

Brianna Martin is a financial advisor with T. Rowe Price Advisory Services, Inc. She holds the Series 66 and Series 63 designations and has nine years of experience. Prior to her advisory role, she worked seven years at Charm City Run. T. Rowe Price Advisory Services provides retirement-focused financial planning and discretionary investment management for individual investors and households, using proprietary mutual funds and ETFs along with an online planning tool and telephone advisor access.

Nathaniel Adams is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has 10 years of industry experience. Adams has been with T. Rowe Price since 2015. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program for individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, using tax-aware rebalancing and tactical allocations.

Kimberly Wright is a CFP® professional with 21 years of industry experience. She is currently with Janney Montgomery Scott, where she has worked since 2018, following a prior role at Morgan Stanley. Outside of her advisory work, she is a partner in MKW Properties, LLC, an entity involved in property management and related activities. 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 wide range of clients including individuals, families, trusts, estates, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and advisory programs with both in-house and third-party portfolio management.

John Layug is a CFP® with 32 years of industry experience, currently affiliated with OSAIC Advisory Services, LLC since 2025. He previously worked for Lincoln Financial Advisors from 2012 to 2025. In addition to his advisory role, he is an owner and agent at Maller Wealth Advisors, offering a range of insurance products including health, disability, and life insurance. OSAIC Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension plans, corporations, trusts, and nonprofit organizations. The firm provides investment management, financial planning, retirement consulting, and other related services through multiple program models, utilizing both proprietary and third-party platforms and managers.

Robert Hopkins is a financial advisor at William Blair with 42 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Brown Advisory Securities, LLC for 17 years before joining William Blair in 2019. Outside of his advisory role, he serves on the boards of the Baltimore Cemetery Association and the Maryland Historical Society, chairs the investment committee of St. John’s Church, Western Run Parish, and is president of the Thomas Wilson Foundation for the Children of Baltimore City. William Blair’s Private Wealth Management division offers investment management, financial planning, and wealth services to individuals, foundations, and corporate clients. The firm employs active, research-driven strategies across various asset classes and provides access to proprietary models, third-party sub-managers, and private investment opportunities.

Lemium Johnson is a financial advisor at T. Rowe Price Advisory Services, Inc. with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked primarily at T. Rowe Price since 2013, with brief roles at Nationwide Investment Services Corp, K4Connect, Charter Communications, and Merrill. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households using model portfolios invested in proprietary mutual funds and ETFs, supported by an interactive online planning tool and periodic reviews.

Erica Monroe is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and three years of industry experience. Her career includes roles at New Energy Equity and BDO USA LLP, as well as academic positions at the University of Maryland and Montgomery College. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary 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 at least $250,000 in investable assets and employs tax-aware strategies and Monte Carlo simulations in their portfolio management and planning processes.

Moriah Yousefi is a financial advisor at T. Rowe Price Advisory Services, Inc. with three years of industry experience. She holds a Series 66 designation and has worked at several firms, including Donohue Hart Thomson Financial Group and Malecki Financial Group. Her background also includes roles outside finance such as teaching positions at Rutgers University and Harford Community College. T. Rowe Price Advisory Services provides retirement-focused financial planning and discretionary investment management to individuals and households, utilizing a goals-based approach supported by online tools and telephone access to advisors. The firm invests exclusively in proprietary T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and model portfolios tailored to client risk profiles.

Tracy Clark is a CFP® with 20 years of industry experience, currently advising at Valic Financial Advisors since 2018. Her prior roles include positions at Capital One Advisors, LLC and Capital One Investing, LLC from 2016 to 2018. She is also an agent with Agia, involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

James Gauthier is a CFA® charterholder with 18 years of industry experience. He currently works at Cerity Partners LLC and was previously employed at Maryland Capital Management, LLC. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm uses tailored asset allocation, manager selection, and quantitative screening alongside third-party managers and individual securities to build client programs.