Owings Mills, MD 4515 Painters Mill Rd Office

Matthew Bille is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has seven years of industry experience. His prior work includes roles at Capital One Bank, Merrill, and Stanley Black & Decker. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines nondiscretionary goals-based planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, employing model-based portfolios and tax-aware strategies within a structured online and telephone advisory platform.

Nicholas Pagano is a financial advisor at T. Rowe Price Advisory Services, Inc. with 17 years of industry experience, including 18 years at T. Rowe Price Investment Services, Inc. He holds the Series 63 and Series 66 designations. Outside of his advisory role, he is involved in owning and operating a real estate business in Colorado Springs. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households, implementing model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs with a focus on tax-aware strategies and electronic enrollment processes.

Keith Holmes is a CFP® professional with 34 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. He has worked with T. Rowe Price since 2017, following prior roles at LPL Financial and Morgan Stanley. T. Rowe Price Advisory Services provides retirement-focused financial planning and investment management primarily to individual investors and households. The firm combines goals-based planning with discretionary portfolio management using proprietary mutual funds and ETFs, supported by an online planning platform and personalized advisor access.

Rudy Santamaria is a Financial Consultant at Fidelity Investments, a role he has held since 2023. Prior to this, he worked at Ameriprise Financial in several capacities including Client Relationship Manager - Retirement Specialist, Client Relationship Manager, and Client Support Associate between 2021 and 2023. Rudy also gained experience as an Analyst at Novus Partners from 2020 to 2021. Rudy's professional focus is on advocating for his clients and their financial goals. He emphasizes understanding each client's overall situation to provide personalized financial guidance and build tailored plans. Outside of his professional responsibilities, Rudy has interests in art, museums, music, outdoor adventures, reading, and theater.

Lewis Brown III is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has 28 years of industry experience. Prior to joining T. Rowe Price in 2020, he worked at Merrill and Bank of America from 2016 to 2020. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management primarily through T. Rowe Price mutual funds and ETFs. The firm serves individual investors and households, providing financial plans and ongoing reviews supported by an online planning tool and telephone access to advisors.

Charles Fuller is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds the CFP® designation and has 22 years of industry experience, including prior roles at Charles Schwab, Merrill, and TD Ameritrade. Fuller is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. Its Retirement Advisory Service uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combining goals-based planning, tax-aware strategies, and Monte Carlo simulations for retirement income projections.

Tiffany Eley is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 credentials and bringing two years of industry experience. Her prior work includes roles at the Automobile Club of Southern California and Bank of America. Outside of finance, she works as an independent contractor providing grocery shopping and delivery services through Instacart. T. Rowe Price Advisory Services offers a retirement advisory program focused on individual investors and households, combining nondiscretionary financial planning with discretionary investment management using proprietary mutual funds and ETFs. The firm employs model portfolios, tax-aware rebalancing, and interactive Monte Carlo simulations to support retirement goals.

Patrick Wheeler is a Series 66-licensed financial advisor with two years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc. and has prior experience at Thrivent Financial and Thrivent Investment Management Inc. Outside of his advisory role, he has worked as a bartender at BJ’s Restaurant and Brewhouse. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm employs model portfolios using proprietary T. Rowe Price mutual funds and ETFs, with financial plans developed through Monte Carlo simulations and accounts managed on a discretionary basis.

Andrew Heiges is a CFP®-designated financial advisor with 26 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2016. His prior experience includes roles at TIAA-CREF, Banc of America Investment Services, Inc., and Merrill. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management primarily for individual investors and households. Their approach features model portfolios invested exclusively in proprietary T. Rowe Price mutual funds and ETFs, using tax-aware strategies and Monte Carlo simulation-based retirement income projections.

Dennis Elliott Jr. is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 66 and Series 63 licenses and has 27 years of industry experience. Since 2008, he has been with T. Rowe Price Investment Services, Inc. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary financial planning and discretionary investment management, serving individual investors and households. The firm uses proprietary T. Rowe Price mutual funds and ETFs, applying tax-aware strategies and Monte Carlo simulation-based planning tools.

Justin Carpenter is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 63 and Series 66 licenses and has eight years of industry experience. His previous roles include positions at Merrill and Capital One. T. Rowe Price Advisory Services offers a retirement-focused advisory program that combines goals-based financial planning, retirement income planning, and discretionary investment management, primarily using proprietary mutual funds and ETFs. The firm serves individual investors and households, providing point-in-time financial plans and annual reviews supported by an online planning tool and telephone access to advisors.

Grant Williams is a financial advisor at T. Rowe Price Advisory Services, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at T. Rowe Price since 2018. Prior to that, he held roles in educational institutions including Manheim Township School District and Lincoln Intermediate Unit 12. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining goals-based financial planning, retirement income planning, and discretionary investment management primarily through T. Rowe Price mutual funds and ETFs. The service employs tax-aware strategies and Monte Carlo simulations to generate financial plans and is tailored for individual investors meeting specified asset minimums.