Loukas Sotiropoulos is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and one year of industry experience. Prior to joining T. Rowe Price, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. T. Rowe Price Advisory Services offers the Retirement Advisory Service, combining goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and interactive planning tools.

Ethan Kozel is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has two years of industry experience, including prior roles at Equitable Advisors, LLC. Before entering the financial sector, he worked in the hospitality industry at Kobe Japanese Steak & Seafood House and BJ's Restaurant & Brewhouse. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining goals-based financial planning and discretionary investment management, serving individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, with an investment approach that includes tax-aware rebalancing and Monte Carlo simulation-based retirement income projections.

Jordan Tabor is a CFP® with T. Rowe Price Advisory Services, Inc. He has experience spanning several roles at T. Rowe Price since 2016, along with positions at Capital One and Fidelity National Information Services, Inc. Jordan is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. provides a retirement advisory service focused on individual investors and households, combining goals-based financial planning with discretionary investment management. The firm implements portfolios exclusively in selected T. Rowe Price mutual funds and ETFs, using a model-driven, tax-aware approach tailored to retirement planning.

Alicia Kong is a financial advisor with VOYA Financial Advisors, Inc. She holds Series 63 and Series 65 licenses and has 28 years of industry experience. Her career includes roles at Voya Financial Partners, LLC and Valic Financial Advisors. Kong serves on several local educational advisory boards, including as chairman of the Howard County Public School Academy of Finance advisory board, where she is involved in programs promoting financial literacy and business education. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that provides financial planning, portfolio management, and retirement-plan advisory services to individuals, institutions, and corporate clients. The firm combines in-house and third-party strategies with technology-enabled tools and manages a significant portion of assets through client-authorized, non-discretionary relationships.

Jacob Santore is a CFP® professional with 13 years of industry experience, currently serving at T. Rowe Price Investment Services, Inc. since 2015. He holds Series 63 and Series 66 licenses and is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service for individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily through proprietary mutual funds and ETFs. The firm uses a model allocation approach with tax-aware strategies and delivers financial plans with annual reviews supported by an interactive online tool.

Robin Gibbons is a financial advisor with Voya Financial Advisors, Inc., holding a Series 66 designation and 29 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Metlife Securities, LPL Financial, and Truist Investment Services. In addition to his advisory work, he is an independent insurance agent specializing in fixed insurance products. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer firm serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, unified managed accounts, and retirement advisory services, utilizing both in-house and external strategists alongside technology-enabled tools to implement client investment strategies.

Jason Scarborough is a financial advisor with Empower Advisory Group, holding Series 66 and Series 63 credentials and bringing 29 years of industry experience. Prior to joining Empower Advisory Group in 2025, he worked for T. Rowe Price Investment Services for 16 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering services integrated with Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing through a point-in-time financial planning service and optional managed accounts.

Earl Choi is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 registrations and has five years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, Merrill Edge, Merrill, and PNC Bank. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The service is tailored to individual investors and households with retirement goals and includes telephone access to advisors supported by an interactive online planning tool.

Frances Makino is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. She worked at Commonwealth Equity Services, Inc. for 33 years before joining her current firm in 2025. Makino also teaches a personal finance course through Howard County Parks & Recreation. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm offers financial planning and portfolio management through multiple platforms, utilizing both passive and active strategies tailored to client risk profiles.

Benjamin Hostetler is a financial advisor at Integrity Alliance, LLC with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Lion Street Financial, Commonwealth Financial Network, and Virtus Wealth Solutions. Hostetler is also the owner of Hostetler Financial LLC, a financial advisory firm. Integrity Alliance is a large advisor network serving individual investors, corporations, and qualified retirement plans. The firm offers portfolio management, financial planning, and various program options, utilizing multiple platforms and investment approaches to support a broad client base.

Sergio Gutierrez Carballido is a financial advisor at T. Rowe Price Advisory Services, Inc. with six years of industry experience. He holds Series 63 and Series 66 credentials. His prior work history includes roles at Fis and ClearOne Advantage, LLC. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The service is designed for individual investors and households with investable assets generally starting at $250,000 and includes ongoing financial plans and annual reviews.

Isaac Lee is a financial advisor at T. Rowe Price Advisory Services, Inc. with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Good Shephard Penn Partners and T. Rowe Price. Outside of finance, he has held roles in the restaurant industry, including positions at Chubby Cattle and &Pizza. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which serves individual investors and households focused on retirement goals through goals-based financial planning, retirement income planning, and discretionary investment management. The program uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulations for retirement income projections.

Christopher Riolo is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has four years of industry experience. Prior to joining T. Rowe Price, he worked for five years at Austin Pharmacy and Medical Supplies. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement goals through a combination of nondiscretionary goals-based planning and discretionary investment management using proprietary mutual funds and ETFs. The firm employs a model allocation strategy with tax-aware rebalancing and delivers financial plans and retirement income projections supported by an interactive online tool.

Danielle Szikman is a Series 65-licensed advisor with Mariner, where she has worked since 2026. Prior to joining Mariner, she held roles at T. Rowe Price and Allegis Group. She has experience connected to University of Maryland Hillel and involvement with educational institutions. Mariner serves a broad mix of clients, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and coordinated tax and family office services. The firm utilizes discretionary, customized portfolios supported by in-house research and third-party managers, with a notable integration of tax and accounting services uncommon for firms of its size.

Harrison Malone is a financial advisor with PNC Wealth Management, holding a Series 66 designation and two years of industry experience. Prior to joining PNC Investments LLC in 2025, he worked at Equitable Advisors and has held various roles outside the financial sector, including positions at a middle school, a country club, and a butcher shop. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithm-driven risk assessment and manages investments via mutual funds and ETFs.

James Williamson is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior roles include positions at The Marshall Financial Group LLC and T. Rowe Price. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which serves individual investors and households focused on retirement goals by combining nondiscretionary financial planning, retirement income planning, and discretionary investment management using proprietary mutual funds and ETFs.

Scott Ford is a financial advisor at Janney Montgomery Scott with 28 years of industry experience. He holds a Series 66 designation and has been with Janney Montgomery Scott since 2013. 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 individuals, families, trusts, estates, corporate and retirement plans, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and advisory programs with both in-house and third-party portfolio management.

Daniel Chukwu is a financial advisor at T. Rowe Price Advisory Services, Inc. with two years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining T. Rowe Price, he worked at TEKsystems and has experience in educational roles at Morgan State University and Parkdale High School. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management for individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, incorporating tax-aware rebalancing and tactical allocations.

Kristopher Kell is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked with T. Rowe Price entities since 2007, including his current role at T. Rowe Price Advisory Services starting in 2026. T. Rowe Price Advisory Services offers a retirement-focused advisory program for individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm employs tax-aware strategies and an online planning tool with Monte Carlo simulations to support client goals.

Mitchell Le Page is a Series 66-licensed financial advisor at Creative Planning with two years of industry experience. His prior roles include positions at T. Rowe Price and Wells Fargo Bank, N.A. Outside of finance, he has work experience in the food service industry with Grotto Pizza. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals while incorporating private market investments and institutional services.