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 financial advisor at T. Rowe Price Advisory Services, Inc. with 11 years of industry experience. She holds the CFP® designation along with Series 63, Series 65, and Series 66 licenses. Her prior work includes positions at Liberty Tax Service and Macy's. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily to individual investors and households. The firm employs model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, utilizing tax-aware strategies and online tools to deliver tailored retirement income planning.

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., holding Series 66 and Series 63 credentials and nine years of industry experience. She has been with T. Rowe Price continuously since 2016 and previously worked at Charm City Run from 2012 to 2019. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing proprietary mutual funds and ETFs with model allocations tailored to client goals. The firm provides point-in-time financial plans and annual reviews supported by an online planning tool and telephone access to advisors.

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 experience in the financial services industry. He is currently with Osaic Advisory Services, LLC and previously worked at Lincoln Financial Advisors, Kestra Investment Services, LLC, and Chesapeake Advisors, Inc. Outside of his advisory role, he is an agent and owner at Maller Wealth Advisors, where he offers various insurance products including health, disability, and life insurance. Osaic Advisory Services, LLC is an enterprise SEC-registered advisor serving a diverse client base that includes individuals, pension plans, corporate and charitable entities, and sovereign wealth funds. The firm offers a range of investment programs, retirement plan consulting, and access to alternative investments, combining fundamental and technical analysis with platform partnerships to deliver integrated wealth management solutions.

Robert Christian is a financial advisor with PlanMember Securities Corporation and Paladin Advisor Group, holding Series 63 and Series 66 licenses with seven years of industry experience. Prior to his financial services career, he worked for 25 years at the Annapolis Fire Department and also spent time at the Maryland Department of Health. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as a fiduciary for many plans and offering participant-level investment options. The firm employs a strategic asset allocation framework with risk-based mutual fund portfolios and supports plan sponsors and participants through education, personalized planning, and counseling services.

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 experience in investment management. He is currently with Cerity Partners LLC and previously worked at Maryland Capital Management, Vansant Mewshaw, BlackRock Investment Management, 1919 Investment Counsel, and Legg Mason Investment Counsel. Cerity Partners serves a diverse clientele including individuals, families, trusts, charitable institutions, and institutional investors, offering customized wealth management services incorporating proprietary quantitative screening, manager selection, direct security selection, and alternative investment access.

Arturo Romo is a financial advisor with PNC Wealth Management in Columbia, MD, holding Series 63 and Series 65 licenses and seven years of industry experience. He previously worked at Wells Fargo Clearing Services and Wells Fargo Bank, accumulating a decade of related experience before joining PNC. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithm-driven risk assessments and implements portfolios via approved model strategies with mutual funds and ETFs.