2012 Five Star Five Star 2012 Baltimore Wealth Managers

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6,800 registered financial services professionals and all identified financial service companies in the area that ... Brian Gracie ∙ Heritage Financial Consultants
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2012 Five Star Wealth Managers

2012 Baltimore

Five Star Wealth Managers

In a consumer study about dynamics between wealth managers and their clients, Five Star Professional polled wealth managers and consumers about communications. Both groups said that connecting three to four times a year is the right communications strategy, but expectations are not aligned in all areas: • 2 9 percent of consumers want to be contacted by their wealth manager whenever events require an update; only 7 percent of wealth managers say they contact clients based on the impact of events.

• 63 percent of consumers say they receive the right amount of communication from their wealth manager. From research conducted by Five Star Professional, April 2011.

Wealth managers, broadly defined, are those individuals who help you manage your financial world and/or implement aspects of your financial strategies. Common examples of wealth managers are financial advisors, financial planners, investment

A Select Award

advisors, tax advisors and estate planning attorneys.

How do you find a wealth manager with experience, who has a good base of clients with high retention rates, and who has undergone a regulatory and complaint review? And when you find them, are they accepting new clients?

Baltimore magazine and Five Star Professional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Among many distinguishing attributes, the average one-year client retention rate for this year’s award winners is more than 93 percent.

Don’t listen to other people. Investigate for yourself. Be wary of advisers who say they never had a down year.” — Five Star Wealth Manager

The 2012 Five Star Wealth Managers are a select group, representing less than 3 percent of the wealth managers in the Baltimore area.(1)

Although this list is a useful tool for anyone looking for help in managing their financial world or implementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many excellent wealth managers who, for one reason or another, are not on this year’s list.

Award

In order to consider a broad population of high-quality wealth managers, award candidates are identified by one of three sources: firm nomination, peer nomination or pre-qualification based on industry standing. Self-nominations are not accepted. Baltimore award candidates were identified using internal and external research data, including a survey to more than 6,800 registered financial services professionals and all identified financial service companies in the area that are registered with FINRA or the SEC.

Candidates

Five Star award information: fivestarprofessional.com

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Determination

2012 Five Star Wealth Managers

Of Award Winners

Award candidates who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services were named 2012 Five Star Wealth Managers.(2)

Eligibility Criteria – Required(3)

2012

1. Credentialed as an investment advisory representative (IAR), a FINRA-registered representative, a CPA or a licensed attorney. 2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years. 3. Favorable regulatory and complaint history review.(4) 4. Fulfilled their firm review based on internal firm standards. 5. Accepting new clients. Evaluation Criteria – Considered(3)

6. One-year client retention rate (the average one-year client retention rate of this year’s award winners is more than 93 percent).

The Five Star award goes to less than 7 percent of wealth managers.

7. Five-year client retention rate.

8. Non-institutional discretionary and/or non-discretionary client assets administered (this year’s award winners administer an average of $104 million in client assets).

9. Number of client households served (on average, this year’s award winners serve 203 households). 10. Education and professional designations.

Research Disclosures

• W  ealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.

• The Five Star award is not indicative of the wealth manager’s future performance.

Insights from Five Star Wealth Managers Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.”

• Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. • The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or Baltimore magazine.

• Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future.

• Five Star Professional is not an advisory firm, and the content of this article should not be considered financial advice. For more information on the Five Star award and the research/ selection methodology, go to www.fivestarprofessional.com.

•  1,470 award candidates in the Baltimore area were considered for the Five Star Wealth Manager award. 262 (approximately 18 percent of the award candidates) were named 2012 Five Star Wealth Managers. The 262 award winners represent less than 3 percent of the total wealth managers in the area. (1)

(2) (3) (4)

Wealth managers were required to certify that any information they provided was accurate. Criteria 4, 8 and 9 do not apply to attorneys or CPAs. As defined by Five Star Professional, the wealth manager has not: • Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine. • Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process. • Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority. • Filed for personal bankruptcy. • Been convicted of a felony.

Clients don’t care how much you know until they know how much you care.”

Only invest in something that you understand.”

What matters most is how you recover from setbacks.”

Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website. Five Star Professional also uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists. Data submitted through these processes was applied per the above criteria:

• Each wealth manager who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history, based upon the criteria listed above. • Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager. • Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use the services of wealth managers in order to provide consumers the opportunity to submit complaints regarding a wealth manager. More than 22,200 households in the Baltimore area were contacted.

The Five Star Wealth Manager selection criteria was updated for the 2012 award year. 2005 – 2011 Five Star Wealth Managers scored highest in overall satisfaction based on feedback from clients, peers and industry experts. No more than 7 percent of wealth managers receive the award each year. The selection process for the 2005 – 2011 award winners can be found at www.fivestarprofessional.com/2011/wealth_managers_research_overview.php.

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Five Star award information: fivestarprofessional.com

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Business Planning

John Day ∙ DAY Financial Group Page 18

Larry Holmes ∙ Morgan Stanley Smith Barney

David DeVito ∙ Morgan Stanley Smith Barney

Walter Hrab ∙ Ameriprise Financial Services, Inc. Page 19

Jason Dudderar ∙ Morgan Stanley Smith Barney

Margaret Jackson ∙ RBC Wealth Management

Cynthia Scarfo-Fisher ∙ Cardoni Waddell

Richard DuVal, Jr. ∙ Robert W. Baird & Company

Michael Johnson ∙ Robert W. Baird & Company

Estate Planning

Bryon Epple ∙ RBC Wealth Management

Richard Juergensen ∙ Ameriprise Financial Services, Inc. Page 25

Edward Jacobson ∙ Glass Jacobson

Michael Limsky ∙ Summerfield, Willen, Silverberg & Limsky

Steven Manekin ∙ Ellin & Tucker Chartered Marc Pushkin ∙ Pushkin & Pushkin

Lawrence Adashek ∙ Lawrence Adashek Jeffrey Higdon ∙ Serio & Higdon Charles Imhoff ∙ CFMA

Adam Miller ∙ Miller Financial Group

Paul Fallace ∙ Morgan Stanley Smith Barney

Andrew Fink ∙ Morgan Stanley Smith Barney

George Reynolds ∙ Miles & Stockbridge

Angela Finney ∙ PSA Insurance & Financial Services Page 24

Financial Planning

David Flanders ∙ Flanders Wealth Management

Rita Abel ∙ Abel Financial Management Company Brian Akers ∙ Akers Financial Group Page 10

Mark Altemus ∙ Morgan Stanley Smith Barney Megan Avery ∙ Legacy Associates

John Bacci ∙ Foundation Financial Advisors Page 12

T. Joseph Barger ∙ Academy Financial David Berman ∙ Berman McAleer

Jay Beynon ∙ RBC Wealth Management Page 26

Mary Boyle ∙ Morgan Stanley Smith Barney Lawrence Briskin ∙ Planning Solutions Group Page 22

Eric Brotman ∙ Brotman Financial Group Page 11 Michael Calabrese ∙ Severn Financial Solutions Page 27 Jeffrey Carlson ∙ Ameriprise Financial Services, Inc.

Jason Chamberlain ∙ Morgan Stanley Smith Barney Mason Champion ∙ Morgan Stanley Smith Barney Page 24

Joseph Cirelli ∙ Morgan Stanley Smith Barney Kevin Collison ∙ Merrill Lynch

Andrew Cook ∙ Berman McAleer

James Curran III ∙ Morgan Stanley Smith Barney Page 24

Five Star award information: fivestarprofessional.com

Richard Keetley ∙ Janney Montgomery Scott Page 15 Bryan Kelly ∙ The Kelly Group

William Kelly ∙ The Kelly Group Edwin Killinger ∙ The L. Warner Companies

Adrian Force ∙ Merrill Lynch

Edward Kissinger ∙ Kissinger Financial Services Page 20

Mitchell Ford ∙ Morgan Stanley Smith Barney

Matthew Kunkel ∙ RBC Wealth Management

David Frank ∙ Morgan Stanley Smith Barney Page 24

Timothy Kvech ∙ Planning Solutions Group Page 22

Mark Fuhr ∙ MetLife

Ryan Lenet ∙ Morgan Stanley Smith Barney

Page 13

Barry Garber ∙ Deutsche Bank Securities Kyle German ∙ NYLife

Donna Gestl ∙ The Prosperity Consulting Group

Stephen Goldstein ∙ Janney Montgomery Scott Page 15 Brian Gracie ∙ Heritage Financial Consultants Nancy Groff ∙ AXA Advisors

Page 25

Shawn Halsey ∙ Merrill Lynch

Elizabeth Hartman ∙ Hartman Financial John Hauserman ∙ RetirementQuest Wealth Management

Thomas Henry ∙ Integrated Financial Solutions Lisa Hergenroeder ∙ Hergenroeder Financial Advisors

Scott Levin ∙ Worthington Financial Partners Page 25 Jonathan Lipchin ∙ Lipchin Financial Group Anne London ∙ AXA Advisors

John Magiros ∙ Morgan Stanley Smith Barney Peter Maller ∙ Heritage Financial Consultants Page 8

Matthew Manning II ∙ Morgan Stanley Smith Barney Page 20 Matthew Margolies ∙ Merrill Lynch

Bruce Marshall ∙ Ameriprise Financial Services, Inc.

Peter Marshall ∙ The Marshall Financial Group

Joshua Mason ∙ Pinnacle Advisory Group

Rebecca Hergenroeder ∙ Hergenroeder Financial Advisors

Tim Maurer ∙ Financial Consulate

Edward Herring ∙ Ameriprise Financial Services, Inc. Page 25

Colin Meeks ∙ Complete Money Management Page 27

Blair Hill ∙ Merrill Lynch

Gary Melnick ∙ Melnick-Rosenbaum Group Page 21

Michael Hilliard ∙ Ameriprise Financial Services, Inc. Donald Hoffman ∙ The Prosperity Consulting Group

Joe McAleer ∙ Berman McAleer

Patrick Monaghan ∙ Berman McAleer

Pamela Monetti ∙ Life Plan Financial Services Page 27

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2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

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2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

Eugene Nazelrod ∙ Nazelrod & Associates Jason Nazelrod ∙ Nazelrod & Associates David Neunaber ∙ Thrivent Financial Page 27 Richard Osman ∙ Integrated Financial Partners

Eric Villamater ∙ Morgan Stanley Smith Barney

Frederick Crow ∙ Ameriprise Financial Services, Inc.

Eric Walker ∙ Morgan Stanley Smith Barney

Thomas Custance ∙ Edward Jones

Brian Walsh ∙ Heritage Financial Consultants

Kenneth Danker ∙ Morgan Stanley Smith Barney

Michael Ward ∙ StoneBridge Advisors

Alan Danielson ∙ RBC Wealth Management

Jordan Weinberg ∙ Strata Financial Services

Eric Decker ∙ Wells Fargo Advisors, LLC Page 6

Thomas Pasta ∙ Ameriprise Financial Services, Inc.

Brent Weiss ∙ Brotman Financial Group Page 11

Frank Dingle ∙ RBC Wealth Management Page 18

John Pastalow ∙ Ameriprise Financial Services, Inc.

Howard Wilner ∙ Wilner & Scherr

Lyn Dippel ∙ Financial Advantage

Dale Woodring ∙ Financial Council

William Persons ∙ Morgan Stanley Smith Barney

Morry Zolet ∙ Morgan Stanley Smith Barney

Benjamin Dychala, Jr. ∙ BJD Financial Planning

Ariel Popel ∙ Morgan Stanley Smith Barney Page 22

Insurance

Luis Padilla ∙ WorkForce Tactix Mark Pallack ∙ NYLife

Page 27

Benjamin Proctor III ∙ Morgan Stanley Smith Barney Page 27

Gordon Margerum ∙ Primerica Financial Services

David Rauseo ∙ Martin/Wight & Company

Investments

Sean Rippen ∙ Merrill Lynch

Michael Achatz ∙ MetLife

Stanley Rodbell ∙ Academy Financial

Patty Almony ∙ M&T Securities

Brian Rosenbaum ∙ Melnick-Rosenbaum Group Page 21

Kathy Armstrong ∙ Heritage Financial Consultants

Ilene Salcman ∙ The Warner Companies

Frank Aversa ∙ MetLife

Sherry Saucerman ∙ SunTrust Investment Services Page 26

Daniel Bachmann ∙ Merrill Lynch

Robert Saunders III ∙ Ameriprise Financial Services, Inc. Stephen Schad ∙ Ameriprise Financial Services, Inc.

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William Baker ∙ Gaineswood Investment Management David Barnes ∙ Merrill Lynch

Patricia Baum ∙ RBC Wealth Management Kevin Bell ∙ Merrill Lynch

William Eitze ∙ Wells Fargo Advisors, LLC Page 6

Nancy Eshmont ∙ Wells Fargo Advisors, LLC Page 6 Joseph Esposito ∙ Wells Fargo Advisors, LLC Page 6 Michael Fein ∙ CIC Wealth Management Group

Craig Fischer ∙ Atlantic Financial Services Louis Foran ∙ RBC Wealth Management Michael Ford ∙ Merrill Lynch

Harry Ford, Jr. ∙ Morgan Stanley Smith Barney Phyllis Franklin ∙ RBC Wealth Management

Damian Gallina ∙ Buttonwood Financial Group

Thomas Biddison ∙ Cornerstone Advisory

Craig Gayhardt ∙ Wells Fargo Advisors, LLC Page 6

Robert Bogue ∙ Calvert Investment Counsel

Chris Glotzbach ∙ Morgan Stanley Smith Barney

David Bormel ∙ Merrill Lynch

David Goldman ∙ Chapin Davis

David Brandeen ∙ Merrill Lynch

Kevin Goodman ∙ Chapin Davis

Douglas Brandeen ∙ Merrill Lynch

David Gough ∙ Compass Wealth Strategies

Carl Strozyk ∙ Kelly Financial Group

Randolph Brinton ∙ RBC Wealth Management Page 18

Daniel Gounaris ∙ Merrill Lynch

Kathie Sulick ∙ HeimLantz Financial Advisors

Donald Burke ∙ Hergenroeder Financial Advisors

Pamela Graham ∙ Pro Wealth Management

John Sutton, Jr. ∙ RBC Wealth Management

Valerie Campbell ∙ Wells Fargo Advisors, LLC Page 6

Robert Schmitt ∙ SC&H Group

Jonathan Shimaitis ∙ Morgan Stanley Smith Barney David Solomon ∙ Plant Solomon Weslow & Associates/Ameriprise Financial Services, Inc. Page 16 Malcolm Steigerwald ∙ Morgan Stanley Smith Barney Page 27

James Thomas II ∙ Ameriprise Financial Services, Inc. Page 26 Andrew Thompson ∙ SC&H Financial Advisors Clayton Ulman ∙ Ulman Financial

Douglas Velnoskey ∙ Morgan Stanley Smith Barney Page 26

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Jeffrey Caples ∙ Maryland Capital Management Frank Cappadora ∙ CIC Wealth Management Group

Nohemi Cecil ∙ Signature Financial Partners

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Jeff Graham ∙ Robert W. Baird & Company Robert Greenwald ∙ Wells Fargo Advisors, LLC Page 6

Jeffrey Hammer ∙ Gateway Capital Financial Page 13 Michelle Harf-Grim ∙ Wells Fargo Advisors, LLC Page 6

Michael Hartman ∙ Wells Fargo Advisors, LLC Page 6

Five Star award information: fivestarprofessional.com

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Patrick Haskins ∙ Wells Fargo Advisors, LLC

Chad Norfolk ∙ Financial Advantage

Elisabeth Hayes ∙ Chapin Davis

Steven Nuetzel ∙ Wells Fargo Advisors, LLC Page 6

Jeffrey Henderson ∙ Charles Schwab & Company

Carol Hess ∙ Janney Montgomery Scott David Hicks ∙ David A. Hicks

Stephen Holland ∙ Wells Fargo Advisors, LLC Donald Huber ∙ Cornerstone Advisory Patrick Hudson ∙ RBC Wealth Management

James Jacobson ∙ Morgan Stanley Smith Barney Robert Jeffrey ∙ Morgan Stanley Smith Barney

David Kelley ∙ Charles Schwab & Company Marcy Kelly ∙ Marcy A. Kelly

Page 19

Brian Kroneberger ∙ RBC Wealth Management

Marat Kushner ∙ Wells Fargo Advisors, LLC Page 6

Bryce Legg ∙ Robert W. Baird & Company Jerry Leibowitz ∙ Morgan Stanley Smith Barney Robert Letschin ∙ Merrill Lynch

Keith Levitt ∙ Robert W. Baird & Company James Lewis ∙ Janney Montgomery Scott Jeffrey Link ∙ Merrill Lynch

Carol Novak ∙ Novak Financial Planning

Kristopher Olenginski ∙ Janney Montgomery Scott

Brandon Oliver ∙ Morgan Stanley Smith Barney Christopher Ozazewski ∙ Wells Fargo Advisors, LLC Page 6 Frank Palulis ∙ Wells Fargo Advisors, LLC Page 6 Robert Petty ∙ Morgan Stanley Smith Barney Howard Pinson ∙ Pinson Wealth Management

Libby Plunkett ∙ Wells Fargo Advisors, LLC Page 6 James Pomfret ∙ Wells Fargo Advisors, LLC Page 6 Steven Reed ∙ Edward Jones

Bernard Richards ∙ MetLife

Page 13

Jonathan Rogers ∙ Merrill Lynch

Aaron Meisner ∙ Merrill Lynch

Scott Shotto ∙ Morgan Stanley Smith Barney

Keith Murray ∙ Chapin Davis

Spencer Neal ∙ Severn Financial Advisors

Steven Welsch ∙ Robert W. Baird & Company

Ryan Wibberly ∙ CIC Wealth Management Group Beau Wilder ∙ Morgan Stanley Smith Barney Gary Williams ∙ Williams Asset Management

Ryan Winterstein ∙ Morgan Stanley Smith Barney Page 21

Gordon Witherspoon ∙ Morgan Stanley Smith Barney

Scott Cimino ∙ McGladrey

Mitchel Shapiro ∙ Shapiro Financial Advisors

Meredith Mowen ∙ Legg Mason Investment Counsel & Trust

Jeffrey Weiner ∙ Wells Fargo Advisors, LLC Page 6

Joshua Scheinker ∙ Janney Montgomery Scott Page 15

Randy McMenamin ∙ Hardesty Capital Management Page 14

Daniel Morrison ∙ Jacob William Advisory

Richard Weaver ∙ Morgan Stanley Smith Barney Page 23

Howard Blum ∙ Feldman Blum & Associates

Ashby Shanks ∙ Wells Fargo Advisors, LLC Page 6

Matthew Moore ∙ Merrill Lynch

Richard Wagener ∙ Wagener-Lee

Taxation

John Macon ∙ Morgan Stanley Smith Barney

Ronald Mitcherling, Jr. ∙ Morgan Stanley Smith Barney Page 21

Lori Villegas ∙ Morgan Stanley Smith Barney

Gerald Scheinker ∙ Janney Montgomery Scott Page 15

Stephen Lo ∙ Charles Schwab & Company

Todd Mitchell ∙ Janney Montgomery Scott

Gregory Vermeulen ∙ Synergy Financial Group

Robert Wooden ∙ Wooden Financial

Nilos Sakellariou ∙ NTS Bearing Page 23

Laurence Seiden ∙ PSA Insurance & Financial Services Page 27

Charles Menk ∙ C.G. Menk & Associates

H. Dixon Ulmer ∙ Wells Fargo Advisors, LLC Page 6

Nicholas Smeresky ∙ Morgan Stanley Smith Barney Robin Smith ∙ Merrill Lynch

Paul Speargas ∙ WMS Partners

Brian Crepeau ∙ Rosenberg Martin Greenberg

Richard Friedlander ∙ Rosen Sapperstein & Friedlander Chartered Deborah Herman ∙ Deborah L. Herman, CPA Karen Hoffman ∙ Kahler & Associates Lisa Ingram ∙ Lisa D. Ingram, CPA Page 27 Francis Longley ∙ Carney & Longley Leonard Miller ∙ Leonard J Miller & Associates Chartered James Smyth ∙ Smyth & Ward

Michael Stack ∙ Merrill Lynch

Jeffrey Strzelczyk ∙ Morgan Stanley Smith Barney Page 17

Robert Taylor ∙ Premier Business Solutions Martin Yospa ∙ Gorfine Schiller & Gardyn

Linda Tice ∙ PSA Insurance & Financial Services

Paul Tomick ∙ Janney Montgomery Scott

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and the federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC®] is a financial planning designation awarded by The American College.

Five Star award information: fivestarprofessional.com

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2012 Five Star Wealth Managers

Five Star Wealth Managers. Award winners listed by primary services and listed alphabetically by last name.

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2012 Five Star Wealth Managers

Left to right: Two-year winner Marat Kushner, 2012 winner Dixon Ulmer; Scott Lanham, two-year winner Frank Palulis; Elizabeth Palulis, two-year winners Ashby Shanks, Michelle Harf-Grim, Craig Gayhardt, 2012 winner Valerie Campbell; two-year winners Steve Nuetzel, James Pomfret, Bill Eitze, Robert Greenwald, Michael Hartman, Libby Plunkett, Eric Decker, Chris Ozazewski, 2011 winner Suzanne Morgan, two-year winners Nancy Eshmont, Joseph Esposito, Jeffrey Weiner

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Five Star award information: fivestarprofessional.com

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2012 Five Star Wealth Managers

Wells Fargo Advisors

What’s It Like to Be With Wells Fargo Advisors?

Well, for us it’s a commitment. It’s about honoring our relationship with you and being fully invested in your success. It’s about being with you every step of the way — through every life event, every stage of the investment planning process, every triumph and every challenge. Our commitment to you will not change. That’s what it means to be with Wells Fargo Advisors. So, who are you with? To talk with a financial advisor about getting started with your own personalized investment plan, call one of our local offices.

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“Congratulations to our Five Star Wealth Managers — well done!” — Scott Lanham, Market Manager

Annapolis, MD 21401 • (410) 224-0020 | Baltimore, MD 21201 • (410) 727-8400 Bel Air, MD 21014 • (410) 638-9333 | Bethesda, MD 20814 • (301) 961-0100 Columbia, MD 21044 • (410) 715-5000 | Hunt Valley, MD 21031 • (410) 329-1490 Lutherville, MD 21093 • (410) 494-6800 | Owings Mills, MD 21117 • (410) 654-0114 Towson, MD 21204 • (410) 828-2400

Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1211-2575 12/12].

Five Star award information: fivestarprofessional.com

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2012 Five Star Wealth Managers

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Five Star award information: fivestarprofessional.com

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2012 Five Star Wealth Managers

Peter D. Maller

“It’s Never Crowded Along the Extra Mile.”

• Lincoln Financial Network Planner of the Year 2007, 2009 and 2010 • America’s Top 100 Independent Broker-Dealer Advisors (No. 18)*

• Managing and a founding partner of Heritage Financial Consultants Titles: Financial Planner/Investment Advisor Representative Designations: MBA, CERTIFIED FINANCIAL PLANNER™ practitioner

Peter has 20 years of experience in the financial planning industry and specializes in working with successful business owners, professionals and high-net-worth individuals throughout the United States. Services provided:

– Comprehensive financial planning

(retirement, estate, education funding, charitable, risk management)

– Advanced investment management

– Risk management (life, disability, long-term care) – Business succession planning

– Employee benefits solutions (401(k), health, life, disability, etc.)

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307 International Circle, Suite 390 • Hunt Valley, MD 21030 Office: (410) 771-5660 • Fax: (888) 317-0253 [email protected]

Five Star award information: fivestarprofessional.com

Peter Maller is a registered representative of Lincoln Financial Advisors Corp. Securities and advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. CRN201112-2062088. *Per Registered Rep. Magazine (Published August 2011).

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Innovative, Versatile and Personalized Wealth Management Services

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2012 Five Star Wealth Managers

Akers Financial Group, Brian A. Akers

Brian A. Akers, CFP®, Keynote Speaker, 2012 Retirement Planning Expo

Left to right: Two-year winner Brian A. Akers and Jeffery L. Akers

• Customized income, money mgmt. and financial planning services, encompassing all life stages • Uniquely personal approach with frequent portfolio reviews and communication • 24 years of financial services industry experience serving the Baltimore area

Titles: President, VP – FINRA General Securities Representative Designation: CERTIFIED FINANCIAL PLANNER™ practitioner

Brian Akers, founder and CEO, has more than 24 years of experience. With a determined vision, his organization is built on the premise of serving clients — one at a time. Brian specializes in personalized financial planning with lower volatility. His valued team of industry professionals is committed to the philosophy and concept of providing exceptional customer service with a unique and individual approach. Visit us on the web for more information and meet Brian at the 2012 Retirement Planning Expo — www.retirementexpo.org.

Akers Financial Group

3739 Federal Hill Road, Suite 120 • P.O. Box 308 • Jarrettsville, MD 21084 Phone: (410) 692-9870 • Toll-free: (866) 643-5377 [email protected] • www.akersfinancial.com • www.retirementexpo.org

Securities offered through Kalos Capital, Inc. and Investment Advisory Services offered through Kalos Management, Inc., both at 3780 Mansell Rd., Ste. 150, Alpharetta, GA 30022, (678) 356-1100. Akers Financial Group, Inc. is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management, Inc.

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Five Star award information: fivestarprofessional.com

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2012 Five Star Wealth Managers

Brotman Financial Group Not Just Analysis … Synthesis

Areas of Focus: Financial Planning and Wealth Management for Multigenerational Families

Left to right: Two-year winners Eric Brotman and Brent Weiss The George Peabody Library, The Johns Hopkins University

• Investment and retirement planning • Estate and tax planning • Risk management and insurance services

Eric D. Brotman: President and Managing Principal, CFP®, AEP®, MSFS, ChFC®, CLU®, CASL®

Brent M. Weiss: Principal, CFP®, named in Forbes Magazine’s 2012 “30 Under 30” list in Finance At Brotman Financial Group, Inc., we offer holistic financial advice and help coordinate every detail of our clients’ financial worlds, from investing and wealth management to tax and estate planning. During our planning process, we thoroughly evaluate every aspect of a client’s finances, then work as a team — calling on specialists in key areas as needed to create a tailored, coherent plan that addresses our clients’ specific needs and goals and helps prioritize and allocate resources to

meet them. The key is not just the analysis done in formulating a plan, but the synthesis created when a plan has been designed collaboratively. Our ideal clients are multigenerational families — individuals and couples whose very busy lives include balancing their careers as business owners and professionals in a variety of fields while educating children and grandchildren, and caring for aging parents.

9690 Deereco Road, Suite 280 • Timonium, MD 21093 Phone: (410) 252-4555 • Fax: (410) 252-6678 [email protected] • www.brotmanfinancial.com

To receive the 2012 Five Star Wealth Manager award, researched and managed by Five Star Professional, a wealth manager must meet 10 objective eligibility and evaluation criteria associated with wealth managers who provide quality services to their clients. 1,470 award candidates in the Baltimore area were considered for the award. 262 were named 2012 Five Star Wealth Managers which represents less than 3% of the total wealth managers in the area. Wealth managers do not pay a fee to be considered or placed on the final list of 2012 Five Star Wealth Managers. The Five Star award is not indicative of the wealth manager’s future performance. Securities and Investment Advisory Services offered through NFP Securities, Inc., Member FINRA/SIPC. NFP Securities, Inc. is not affiliated with Brotman Financial Group Inc. or Five Star Wealth Managers.

Five Star award information: fivestarprofessional.com

February 2012 / baltimoremagazine.net /

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Non Proprietary Financial Services

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2012 Five Star Wealth Managers

Foundation Financial Advisors

Left to right: Mollie Crocker, Marianne Bacci, John Holtzman, Robin Casto, two-year winner John Bacci

• Comprehensive, holistic financial planning and wealth management • Highly personalized services offered in an unbiased format • Extensively trained and experienced advisors and staff

Areas of Focus: Financial, Estate and Retirement Planning; Wealth Management; Tax Preparation Designations: CFP®, ChFC®, CLU®, EA

We are a registered investment advisor whose overriding mission is to remove conflicts of interest from the advisory relationship. Flexibility allows us to custom tailor solutions to meet your financial goals under traditional, fee-based or feeonly relationship structures. Our practitioners average more

than 20 years of industry experience and work individually with our clients on a long-term basis to provide a foundation for your financial independence. At Foundation Financial Advisors, quality advice is our only product, and client satisfaction our only goal.

1190 Winterson Road, Suite 160 • Linthicum, MD 21090 | 5132 Dorsey Hall Drive • Ellicott City, MD 21042 Winterson: (410) 691-1100 • Toll-free: (800) 289-1584 | Dorsey: (877) 745-1186 [email protected] • www.ffai.net

Securities offered through Commonwealth Financial Network, member FINRA/SIPC. Foundation Financial Advisors is a Registered Investment Advisor. Advisory Services and Tax Preparation offered by Foundation Financial Advisors are separate and unrelated to Commonwealth.

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2012 Five Star Wealth Managers

Gateway Capitol Group

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Gateway Capitol Financial Boasts Five Star Representatives

Left to right: S. Phillips, two-year winners M. Fuhr and M. Achatz, 2012 winners F. Aversa and J. Hammer (Not pictured: Two-year winner B. Richards)

• Named MetLife Office of the Year in the region six times over the last two decades • 129,000 households served in Baltimore/D.C. metro area • 2008 winner of Triskelion Award for sales and management excellence

Designations: Three ChFC®, two CASL®, one CLU®, one CPA, one CRPC®

Michael Achatz, Frank Aversa, Mark Fuhr, Jeff Hammer, Scott Phillips and Bernard Richards represent a financial firm that prides itself on a tradition of excellence. Gateway Capitol Financial, an office of MetLife, began in 1983. Since then, the firm has provided insurance, estate planning, business succession strategies, employee benefits, retirement funding, long-term care insurance and education funding strategies, as

well as investment management. As Five Star Wealth Managers, these men exemplify a premier team of highly educated and successful financial professionals in the greater Baltimore/ Washington region, establishing meaningful relationships and providing financial security. Amongst the individuals, they have more than 100 years of financial industry experience with a personally tailored approach and design.

Gateway Capitol Financial

3700 O’Donnell Street, Suite 200 • Baltimore, MD 21224 Office: (443) 957-6000 www.gatewaycapitolfinancial.com

Metropolitan Life Insurance Company (MLIC). Securities, including variable products and investment advisory services, offered by MetLife Securities, Inc. (MSI), (Member FINRA/SIPC) and a registered investment adviser. Both located at 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are MetLife companies. L1211226869[exp1212][MD].

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Years of Experience With a Disciplined Approach to Investing

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2012 Five Star Wealth Managers

Hardesty Capital Management Group

Investment services for individuals, institutions and trusts

Left to right: Top row: David Stepherson, Barbara Rishel, two-year winner Randy McMenamin; Middle row: Scott Murphy, John Kernan, Eric Schopf; Bottom row: Steven Shea, James D. Hardesy

• A professional staff with more than 200 years’ combined experience • We invest for results, not for excitement • Independently owned with allegiance only to clients

Titles: James Hardesty, MBA, CFA®, Chief Economist, Chairman of the Board; Steven Shea, President Designations: Chartered Financial Analyst® (CFA®), MBA

At Hardesty Capital Management, we never lose sight of fundamental analysis, diversified portfolio construction and the fact that it’s your money. We strive to do what is best for objectivity in the investment selection process. Our intensive your financial future. Our investment strategy is based on management is tailored to the needs of each client. a conservative approach to wealth management, careful

2 East Read Street, 7th Floor • Baltimore, MD 21202 Office: (410) 783-9633 [email protected] • www.hardestycapital.com

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2012 Five Star Wealth Managers

Scheinker Investment Partners

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Let Our Clear Vision Guide Your Future

Areas of Focus: Retirement Income Planning, Wealth Management, Financial Planning

Left to right: Two-year winners Richard A. Keetley, Gerald Scheinker, Joshua A. Scheinker, Stephen M. Goldstein

• Managed wealth. Controlled risk. • Planned future. Lasting legacy.

Gerald Scheinker, Executive Vice President/Wealth Mgmt.; Joshua A. Scheinker, Sr. Vice President/Wealth Mgmt.; Stephen M. Goldstein, CFP®, Sr. Vice President/Wealth Mgmt.; Richard A. Keetley, CFP®, CIMA®, Executive Vice President/Wealth Mgmt. Putting our clients first has always been a part of Scheinker Investment Partners’ rich history. With more than 100 years of investment experience, our client-centric culture has been reinforced by our team approach to service, our focus on individual risk tolerance and our emphasis on long-term planning. Each of these factors contribute to the ongoing success of our clients, whether individual investors, families, business owners, corporate executives or foundations. “Our clients look to us to be their personal CFO,” says Gerald Scheinker. “They rely on us to address their needs, manage their risk, develop a game plan, and continuously update and monitor their plan.” Taking a comprehensive wealth

management approach and cultivating relationships built on trust and success, each partner is equipped with the knowledge and expertise needed to extend our services far beyond the customization of an investment strategy; we put the accumulation, growth and protection of your wealth from generation to generation at the forefront of your plan. Our unique family office structure enables each member to focus on their area of specialization. With the strength, stability and resources of Janney — one of the nation’s oldest financial services firms, proudly serving investors since 1832 — firmly behind us, Scheinker Investment Partners will help you achieve your financial goals, for both today and tomorrow.

2800 Quarry Lake Drive, Suite 160 • Baltimore, MD 21209 Phone: (410) 580-2688 • Toll-free: (888) JANNEY-1 www.scheinkerinvestmentpartners.com

Scheinker Investment Partners is best suited for individuals with investable assets in excess of $500,000.

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Team Perspective — Personalized Service

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2012 Five Star Wealth Managers

David Solomon

Left to right: Two-year winner David Solomon; Holly Hobbs, 2011 winners Richard Plant, James Weslow

• Comprehensive financial planning approach • Wealth management • Retirement planning and estate planning strategies

Title: Private Wealth Advisor Designations: CFP®, CRPC®

Plant, Solomon, Weslow & Associates, a financial advisory practice of Ameriprise Financial Services, Inc., focuses on understanding and anticipating the expectations of clients, and we are committed to acting in their best interests.

Plant, Solomon, Weslow & Associates, A financial advisory practice of Ameriprise Financial Services, Inc.

7120 Minstrel Way, Suite 211 • Columbia, MD 21045 Office: (410) 715-2506 [email protected] • www.pswadvisors.com

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

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2012 Five Star Wealth Managers

Jeffrey A. Strzelczyk

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Managing Personal Wealth to Institutional Standards

• Comprehensive financial and estate planning • Portfolio management • Corporate executive financial services

Titles: Senior Vice President, Senior Portfolio Manager, Executive Financial Services Director Designations: CIMA®, CPWA®, CRPS®

Thank you to all of my clients. It is an honor to be selected again for this award and to be among a select group of top professionals in the financial services industry in Baltimore. Drawing on many years of experience, I understand the importance of building relationships that reflect clients’ challenges, needs and preferences. Developing an in-depth understanding of each client is the cornerstone of my practice. By working with a limited number of clients, I am able to deliver a personalized service that meets each client’s goals

and aspirations.

Executive financial services is an important and growing part of my practice. As an EFS Director at Morgan Stanley Smith Barney, I have focused on servicing the needs of executives of publicly traded firms in the region. These services include restricted stock transactions, Rule 10b-18 repurchase programs, stock option exercises, Rule 10b5-1 plans and lending needs of corporate executives.

303 International Circle, Suite 500 • Hunt Valley, MD 21030 Office: (410) 229-8259 • Toll-free: (888) 435-2281 [email protected] © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

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2012 Five Star Wealth Managers

The Brinton – Dingle Wealth Group More Than 50 Years of Experience Advising Clients

• Multigenerational wealth management

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• Retirement and wealth management planning • Managing more than $500 million in assets Title: Senior Vice President

Left to right: Two-year winners Randy Brinton and Frank Dingle

We provide financial solutions to individuals and their families. Through a comprehensive approach to managing wealth, we address our clients’ specific needs, including retirement, education and protection planning. We offer an unsurpassed level of service to our clients that includes consistent communication of all issues. By customizing investments and constructing personalized portfolios, we address each client’s current financial needs and help achieve their long-term goals.

RBC Wealth Management 100 Light Street Baltimore, MD 21202

Frank: (410) 659-4681 • Randy: (410) 659-4634

[email protected][email protected] www.bdnrteam.com

The articles and opinions in this advertisement, prepared by Five Star Professional, are for general information only and are not intended to provide specific advice or recommendations for any individual. Securities offered through RBC Wealth Management. RBC Wealth Management is not affiliated with Five Star Professional. RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.

John E. Day

Holistic Wealth Management Solutions • Comprehensive wealth management

• Providing unparalleled investment advice

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• Independent, objective asset management

What we offer: a cup of coffee and a second opinion. What are your financial goals, and what is your investment portfolio doing for you? We’ll review your portfolio with you and gladly tell you if your investments continue to be well suited to your long-term goals, or if current market conditions warrant a change. If we think some of your investments no longer fit your goals, we’ll explain why in plain English. Either way, the coffee is on us. “Full steam ahead.”

MBA, LUTCF LPL Registered Principal

DAY Financial Group

7230 Lee Deforest Drive, Suite 203 Columbia, MD 21046

Office: (410) 290-1000 • [email protected] www.daywealthmanagement.com

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.

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2012 Five Star Wealth Managers

Walter Hrab

Service, Wisdom, Integrity

• Wealth accumulation and preservation • Personalized financial planning

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• Defining goals and tracking progress

As a financial advisor, I am passionate about helping clients succeed. I will help you develop a personalized financial plan and investment strategy to enable you to feel confident about your future. Clients are busy and successful people. I help them maintain their financial focus and simplify their busy lives. Give me a call to sit down and talk about ways we can help you feel more comfortable and confident about your future.

Title: Financial Advisor

Designations: ChFC®, AAMS®, AWMA®, CRPC®

10500 Little Patuxent Parkway, Suite 300 Columbia, MD 21044 Phone: (410) 964-4928 [email protected] ameripriseadvisors.com/walter.d.hrab

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

Marcy A. Kelly

Tax and Wealth Management Services

• Wealth management and investment advisory

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• Tax, retirement and estate planning

For more than 30 years, Marcy has helped clients make informed financial decisions. She takes the time to carefully discuss her clients’ tax, retirement and estate planning goals. Then she tailors an integrated plan that addresses their unique concerns, always considering the tax implications of every decision. Marcy’s careful attention to detail and her warm, welcoming spirit have earned her a loyal client following, respect from her peers and accolades from her industry.

• Serving individuals and small businesses Designations: CPA, MBA, PFS, CFP®

1916 South Crain Highway, Suite 18 Glen Burnie, MD 21061 Phone: (410) 766-1122 [email protected] www.marcykelly.com

Marcy Kelly is a Registered Representative of LaSalle St. Securities, LLC (LSS) and an Investment Advisor Representative of LaSalle St. Investment Advisors, LLC (LSIA). LSS is affiliated with LSIA. Securities are offered through LSS, a member of FINRA and SIPC, 940 N Industrial Dr., Elmhurst, IL 60126-1131. Investing involves risks, including the risk of principal loss.

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2012 Five Star Wealth Managers

Kissinger Financial Services Team

We Build Sound Financial Futures®

• Grow, protect and preserve your assets

• Clients will always be respected and offered personal communication

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• Two generations of creating financial independence

Left to right: Two-year winner Ned Kissinger and Bill Kissinger

Kissinger Financial Services was founded in 1982 by Bill Kissinger. Today Kissinger Financial Services offers the very same personal attention as it did in the beginning by getting to know each and every client and helping them realize their financial goals. Our personal communications are based on sincerity and honesty. The strategies we create are customized and based solely on the individuality of each client’s goals and circumstances. We are committed to developing your financial future. At no time do we replace your legal and tax advisors; rather, we work closely with them to provide a fully coordinated financial plan. In these times of economic concerns, Kissinger Financial Services offers a sense of security by bringing structured financial stability into the lives of those we serve.

To provide the highest quality of financial advisory services in the nation for our clients Bill Kissinger, CFP®, CPA/PFS; Ned Kissinger, CFP®, ChFEBC, CFEd®

10155 York Road, Suite 105 • Hunt Valley, MD 21030 Office: (410) 252-3400 • Toll-free: (800) 653-3414

[email protected][email protected] www.kissingernet.com

Securities and investment advisory services offered through Sanders Morris Harris Inc., Member FINRA/SIPC. SMH does not render tax or legal advice. Be sure to consult with a qualified tax and/or legal advisor regarding the best options for your particular circumstances.

Matthew Manning II Thank You for the Honor of Being Chosen, Yet Again

• Comprehensive financial planning

• Accumulation and protection strategies

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• Retirement income strategies

Vice President – Wealth Management, Financial Advisor

Thank you to all of my clients in Baltimore and beyond who continue to afford me the opportunity of working along with their families and organizations.

By personally investing in these relationships and leveraging the resources throughout Morgan Stanley Smith Barney and beyond, I am honored to serve as your advisor.

303 International Circle, Suite 500 Hunt Valley, MD 21030 Direct: (410) 229-8217 • Toll-free: (888) 435-2281 [email protected] fa.morganstanleyindividual.com/matt.manning

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

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2012 Five Star Wealth Managers

Melnick-Rosenbaum Group Wealth and Risk Management Planning

• Educating and empowering our clients • Client trust, integrity and respect

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• Experience and passion make a difference

Left to right: 2012 winner Gary Melnick and two-year winner Brian Rosenbaum

With an emphasis on educating and empowering clients, Gary and Brian put their 43 years of combined experience and passion to work by protecting and advising clients on their most critical insurance and investment programs. Growth, conservation of wealth and meeting their clients' unique goals are why they are able to build long-lasting relationships centered on trust, integrity and mutual respect.

A1JC-1214-15

Gary S. Melnick, CLU®, ChFC® Brian T. Rosenbaum, CFP®

307 International Circle, Suite 100 Hunt Valley, MD 21030 Office: (443) 921-9993 • Toll-free: (800) 926-7366 [email protected]/[email protected] www.melnickrosenbaum.com

Registered Representative of and Securities and Investment Advisory Services offered through Hornor, Towsend & Kent, Inc. Registered Investment Advsor, member FINRA/SIPC. Melnick-Rosenbaum Group is independent of Hornor, Towsend & Kent, Inc.

Ronald W. Mitcherling, Jr. and Ryan Winterstein Active Listening, Professional Advice

• Integrity, wisdom, accreditation

• Understanding your goals and objectives

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• Personalized service

Titles: Vice President, Second Vice President

Designations: CFP®, ChFC®, CLU®, CASL®, CLTC, AAMS®

Left to right: Two-year winners Ronald W. Mitcherling, Jr. and Ryan Winterstein

Our mission is to serve our clients as their lifelong, trusted advisors for all their wealth management needs. Providing multigenerational, comprehensive and total wealth management is our focus. To accomplish this goal, we direct our energies to helping families reach their financial goals by applying the Three Principles of Wealth Management: 1) creating and growing wealth, 2) protecting and preserving wealth, and 3) planning the distribution of wealth in a taxadvantaged way.

303 International Circle, Suite 500 Hunt Valley, MD 21030 Direct: (410) 229-8271 • Toll-free: (888) 435-2281 [email protected] www.fa.smithbarney.com/mrwgroup

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

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2012 Five Star Wealth Managers

Planning Solutions Group Exceeding Expectations in Wealth Management

• Asset management/retirement planning • Estate planning/business succession • Family office

Left to right: Five Star award winner Tim Kvech, Don Hannahs, Bob Carson and Five Star award winner Larry Briskin

Title: The Partners of PSG Designations: CMFC®, CFP®, MBA, JD* (*JD licensed, not practicing)

Planning Solutions Group is a holistic, fee-based financial planning firm. Our innovative solutions are the result of a collaborative approach; we coordinate with our clients’ existing advisors and review their financial outlook to design a comprehensive plan to fit their needs. Our approach is unique, because we make recommendations based on all aspects of our clients’ lives. Over the years, we have been proud to serve as a trusted advisor in the areas of wealth management, estate planning, business succession, retirement and risk management. Our talented team of experienced professionals considers legal, accounting and financial perspectives to offer a cross-disciplinary approach to planning.

8161 Maple Lawn Boulevard, Suite 400 Fulton, MD 20759 Phone: (301) 543-6000

www.psgplanning.com

Securities offered through Triad Advisors, Member FINRA/SIPC. Advisory Services offered through Planning Solutions Group, LLC. Planning Solutions Group, LLC is not affiliated with Triad Advisors.

Ariel “Rick” Popel Committed to Clients Achieving Their Goals

• Customized investment strategies • Advising families and businesses

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• Personal relationships built on trust

Left to right: Kenneth DiBlasi, two-year winner Rick Popel, Philip Nazzaro and Donna Sebastian

Titles: Senior Vice President – Wealth Advisor Designations: CFP®, Financial Planning Specialist

My clients are the foundation of my practice. As such, I’m committed to making a meaningful difference in their lives by guiding them to make well-informed financial decisions, through education and a customized approach to investing. Whether it is retirement, college, estate or investment planning my goal is to create a tailored strategy to help my clients achieve their goals.

2330 West Joppa Road, Suite 255 Lutherville, MD 21093

Direct: (410) 583-4843 • Toll-free: (800) 662-2576 [email protected] www.fa.smithbarney.com/rickpopel

©2012 Morgan Stanley Smith Barney LLC. Memeber SIPC.

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Client-Focused Investment Strategies

• Individualized service and unwavering attention

• We avoid the generic paint-by-numbers strategies

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• We understand both your investment goals and your lifestyle

For more than 20 years, I have had the privilege of helping high-net-worth individuals and prominent families achieve their desired goals, preserve their wealth, and build lasting legacies for their future generations and loved ones. My careful guidance is provided in a personal and always customized fashion. The private portfolios I oversee generally contain a blend of AAA rated bonds, highyield corporate bonds, global equities and, for clients who qualify, hedge funds, commodities and private equity funds. I believe there is no such thing as a perfect investment; however, for every client, there is a perfect portfolio. It would be an honor to meet and privately discuss how my unique approach may benefit you and your family.

Focus: Wealth Management, Tax and Estate Planning Designations: B.A., Graduated With Honors in Economics – 1987, CFM – 1996

58 Cornhill Street Annapolis, MD 21401

Direct: (410) 263-1313 • Office: (443) 926-9226 [email protected] www.ntsbearing.com

Affiliated with and all securities offered through Arete Wealth Management, LLC. Member FINRA & SIPC.

Weaver-McKee Group Your Nonprofit 501(c)6 Specialists

• Investment policy development and review • Investment management consulting

• CD program/short-term reserve management

Left to right: Jeff Mckee and Five Star award winner Rick Weaver

Nonprofit organizations have special needs. Richard Weaver has been working with nonprofit organizations since 1983 to help them reduce their fiduciary liability and to manage their reserves in a prudent manner. Whether you are looking for help with your investment policy statement or help managing your short-term operational funds in today's record low-rate environment, we are ready to help. Please contact us for a free consultation.

410 Severn Avenue, Building B, Suite 211 Annapolis, MD 21403 Phone: (410) 295-5805 • Phone: (410) 295-5809 [email protected] www.morganstanley.com/fa/weavermckeegroup

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

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2012 Five Star Wealth Managers

Nilos T. Sakellariou

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James W. Curran III

2330 W Joppa Rd., Ste. 255 Lutherville, MD 21093 Direct: (410) 583-4840 Toll-free: (800) 662-2576 [email protected]

2330 W Joppa Rd., Ste. 255 Lutherville, MD 21093 Office: (410) 494-1874 [email protected]

fa.smithbarney.com/masonchampion

Integrity • Competence • Service

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2012 Five Star Wealth Managers

Mason Champion

www.fa.smithbarney.com/jamescurran

Helping Clients Get Things Done

• Comprehensive wealth management • Fiduciary-based advisory services • NFLPA Registered Player Financial Advisor

• Make your financial plan a priority • Avoid outliving your assets • Bring clarity to your financial future

Titles: Vice President, Financial Advisor

Titles: Senior Vice President, Financial Advisor

Designation: CRPC®

Designation: CERTIFIED FINANCIAL PLANNER™

With his finger on the pulse of ever-changing market conditions, Mason serves his clients’ wealth management needs with an unparalleled commitment to clear communication, personalized service and substantive guidance.

Has your financial strategy taken a back seat? You’ve spent a lifetime accumulating your nest egg, but have no actual plan. You deserve to give your future the same attention as your other priorities, but you don’t have to do it alone. Let a 25-year veteran CERTIFIED FINANCIAL PLANNER™ practitioner help you navigate the uncertain future, so you arrive at your intended lifestyle destination. Call Jim Curran today.

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

A. Julie Finney

David S. Frank

11311 McCormick Rd., Ste. 500 Hunt Valley, MD 21031 Phone: (443) 798-7421 [email protected]financial.com

2330 W Joppa Rd., Ste. 255 Lutherville, MD 21093 Direct: (410) 583-4846 Office: (410) 296-9200 [email protected]

www.psafinancial.com/ TeamProfiles/JulieFinney.html

Protecting and Growing Client Assets

www.fa.smithbarney.com/davidfrank

Plan | Protect | Give | Live Life

• 30 years of financial industry experience • Financial planning and portfolio management • CERTIFIED FINANCIAL PLANNER™

• Life-stage plans for financial independence • Protection strategies for life's curveballs • Charitable giving approaches that impact lives

Title: Wealth Management Advisor

Retirement Income Planning, Wealth Transfer, Charitable Giving

Designations: CFP®, CRPC®, FLMI

CFP®, CIMA®, CRPC®; Vice President – Wealth Advisor

Finney believes that financial planning is a dynamic, continual process: “Managing risk and goal-driven investment decisions are formulas for success.” She is a member of the Financial Planning Association of Maryland, Society of Financial Service Professionals and MICA Planned Giving Advisory Council. For the past 14 years, Finney has worked with PSA, Maryland’s leading independent financial services firm offering group benefits, insurance and wealth management. Securities offered through PSA Equities, Inc., member FINRA/SIPC. Portfolio management and planning services offered through PSA Financial Advisors, Inc., a registered advisor. Investment and insurance products are not FDIC or government insured, not bank guaranteed and may lose value.

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Since 1993, David has worked closely with generations of families, to help them identify and achieve their financial goals. Each family is unique. Every plan is customized. David works collaboratively with clients, families, tax, legal, and other professionals to design and implement creative planning strategies. As your life unfolds, David will work with you to refine your plan. David thanks his peers and clients for their continued support. © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

Five Star award information: fivestarprofessional.com

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27 Hooks Ln. Baltimore, MD 21208 Office: (443) 524-1376 [email protected] www.nancygroff.com

11350 McCormick Rd., EP 1, Ste. 500

A Passion to Help You Succeed

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Chip Herring

Hunt Valley, MD 21031 Phone: (410) 771-5522, Ext. 101 [email protected] www.ameripriseadvisors.com/ edward.l.herring

Solid, Actionable Financial Planning

• Personalized planning • Relationships built on trust • With you every step of the way

• Dream > Plan > Track>® • Knowledgeable advice • Exceptional service

Title: Retirement Planning Specialist

Title: Financial Advisor

Designation: CFP®

Designation: CRPC®

While you’re busy living your life, who’s making sure your financial goals are addressed? I help clients look at the big picture and create a financial plan toward college, retirement … a better life. The way I see it, the financial strategy I help you develop and stick with will help all your other plans fall into place.

With more than 12 years of experience, and having an Ameriprise Platinum Financial Services® practice, I emphasize a holistic approach to the financial planning process. I am dedicated to creating comprehensive strategies that will help you achieve your specific financial goals. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

Richard K. Juergensen

Scott M. Levin

11350 McCormick Rd., EP 1, Ste. 500 Hunt Valley, MD 21031 Phone: (410) 771-5522 103 [email protected]

303 International Cir., Ste. 590 Hunt Valley, MD 21030 Office: (410) 527-1292, Ext. 231 Toll-free: (800) 510-0763, Ext. 231 [email protected] worthingtonfinancialpartners.com

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Securties offered through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. Investment advisory products and services offered through AX Advisors, LLC, an investment advisor registered with the SEC. Anuity and insurance products offered through AX Network, LLC. AGE-66539(12/11)(exp.l2/I3).

www.ameripriseadvisors.com/richard

True Financial Planning With a CFP® Professional

Smarter Strategy. Focused Results.

• Help you define a clear financial direction • Feel more prepared, even in a tough market • High-net-worth people hire CFP® professionals

• Custom-designed, innovative strategies • Uncover, address, prioritize concerns and goals • Creator of The WealthFACTOR Advantage™

Title: Financial Advisor

Title: Partner

Designations: CFP®, CRPC®

Designation: CERTIFIED FINANCIAL PLANNER™

Most people think all financial planners are "equal," but this is not true. Many can call themselves a "financial planner." Only those who have successfully completed the initial certification and ongoing requirements of the CFP Board can display the CFP® mark. I have 11 years of experience helping clients plan to reach their goals. Juergensen & Associates is a financial advisory practice of Ameriprise Financial Services, Inc. Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

Five Star award information: fivestarprofessional.com

Are the complexities of wealth building taking you off balance? The WealthFACTOR Advantage™ is specifically designed for owners of growing businesses and financially responsible individuals. Our unique process promotes family wealth protection and transfer by leveraging customized strategies and innovative solutions. We help improve your financial opportunities without distracting you from what's important. Our goal is to make your balancing act a whole lot easier. Scott M. Levin is a Registered Representative and an Investment Adviser Representative of, and offers securities and investment advisory services solely through, Equity Services, Inc., Member FINRA/SIPC, 303 International Circle, Suite 590, Hunt Valley, MD 21030, 410-527-1292. Worthington Financial Partners and the WealthFACTOR Advantage are independent of Equity Services, Inc. TC66226(1211). February 2012 / baltimoremagazine.net /

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2012 Five Star Wealth Managers

Nancy Groff

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2012 Five Star Wealth Managers

Sherry A. Saucerman

J.W. Thomas II

SunTrust Investment Services, Inc.

Office: (410) 224-6262 Toll-free: (800) 325-1819

[email protected]

Solid Solutions From a Trusted Advisor

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2350 Solomons Island Rd. Annapolis, MD 21401

180 Admiral Cochrane Dr., Ste. 550 Annapolis, MD 21401 Office: (443) 837-1071 Toll-free: (866) 604-4573 [email protected]

ameripriseadvisors.com/james.w.thomas

Face-to-Face, Personalized Advice

• Client-focused, exceptional service • Customized strategies, financial planning • Investment management, estate strategies

• Retirement income planning • Wealth preservation strategies • Investment strategies

Title: Financial Advisor

Titles: Financial Advisor, Chartered Retirement Planning CounselorSM

Designation: CRPC®

Designations: CRPC®, AAMS®, AWMA®, CMFC®

As a financial advisor, Sherry offers her clients more than 25 years of investment experience. She works collaboratively with clients to assess their financial situation and determine their risk tolerance, goals and objectives. She then develops and executes an investment plan, while obtaining measurable results.

As an Ameriprise Platinum Financial Services® practice advisor, I work with clients one on one to help them create solutions for building, maintaining and transferring wealth. Come see how 30 minutes can impact your next 30 years.

Securities and Insurance Products and Services: Are not FDIC or any other Government Agency Insured ∙ Are not Bank Guaranteed ∙ May Lose Value. Securities, insurance (including annuities and certain life insurance products) and other investment products and services are offered by SunTrust Investment Services, Inc., a SEC registered investment adviser and broker/dealer affiliate of SunTrust Banks, Inc., and a member of the FINRA and SIPC.

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

Jay Beynon

1030 Baltimore Blvd., Ste. 150 Westminster, MD 21157 Office: (410) 840-5130 Toll-free: (800) 451-3607 [email protected] fa.smithbarney.com/velnoskeygroup

Comprehensive Family Wealth Planning

• Focused on your long-term financial vision • Caring about your unique values and dreams • Experienced team of professionals Title: First Vice President – Wealth Management

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Douglas P. Velnoskey

RBC Wealth Management 201 International Cir. Hunt Valley, MD 21030 Phone: (410) 891-5002 Phone: (410) 937-5325 [email protected] www.jaybeynon.com Vice President, CFP®

As a CERTIFIED FINANCIAL PLANNER™ practitioner, I provide the clarity and confidence necessary to develop a responsible approach to achieving financial security. After analyzing each family’s unique needs and aspirations, I combine conservative wealth planning techniques with sound risk management strategies so, my clients will realize all their financial goals.

Designation: Candidate for CFP® certification

We are dedicated to the development and implementation of a comprehensive wealth management strategy to help grow, manage and preserve wealth. Our goals are to learn about the values and dreams that are unique to you; to earn and cultivate a lasting relationship of mutual trust and confidence; and to ultimately exceed your expectations. With passion and caring, we focus on your vision and legacy, so you may have the peace of mind to focus on what is most important to you. © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

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Find a financial planner who will take the time to educate you, eliminate the mystery and put you on the correct path. — Five Star award winner

Five Star award information: fivestarprofessional.com

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9621 Harford Rd. Baltimore, MD 21234 Phone: (410) 663-0700

CompleteMoneyManagement.com

CERTIFIED FINANCIAL PLANNER™

Designations: CPA, MPA

CFP®, MBA, EA

Securities and Investment Advisory Services Offered through H. Beck, Inc. Member FINRA, SIPC. Severn Financial Solutions and H. Beck, Inc. are not affiliated companies.

With more than 27 years of diverse business experience and 11 years with her own firm, Lisa Ingram specializes in providing customized solutions to clients’ unique accounting and tax needs. Professional results, personable service and affordable rates are standard.

Pamela Monetti

Designations: CLU®, ChFC®

Providing the confidence gained through comprehensive wealth management, including retirement, investment, legacy and philanthropy planning. Proudly serving our clients since 1984.

Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.

With more than 20 years of experience as a financial consultant, my first priority is helping you reach your financial goals. Securities offered through Thrivent Investment Management Inc., 625 Fourth Ave. S, Minneapolis, MN, 55415-1665, 800-847-4836, a registered broker/dealer and investment adviser, and a wholly owned subsidiary of Thrivent Financial for Lutherans. Member FINRA. Member SIPC. Your financial representative is a registered representative of Thrivent Investment Management and a licensed insurance agent of Thrivent Financial for Lutherans.

11311 McCormick Rd., Ste. 500 Hunt Valley, MD 21031 Direct: (443) 798-7477 Toll-free: (800) 677-7887 [email protected] www.psafinancial.com

Five Star award information: fivestarprofessional.com

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2330 W Joppa Rd., Ste. 255 Lutherville, MD 21093 Phone: (410) 494-8097 [email protected] fa.smithbarney.com/ benproctor

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

1954 Greenspring Dr., Ste. 700 Timonium, MD 21093 Direct: (410) 938-8221 Cell: (410) 302-5821

[email protected] Title: Financial Consultant

Laurence Seiden

Ben Proc tor ’s practice is focused on providing holistic, unbiased, comprehensive wealth management advice to successful professionals, families and organizations. He prides himself on long-term, multigenerational relationships with his clients.

Mark Christian Pallack

Thrivent Financial for Lutherans 9530 Belair Rd. Baltimore, MD 21236 Office: (410) 256-6411

Benjamin G. Proctor III

Title: Senior Vice President

Investment Advisor Representative Securities and Advisory Services offered through National Planning Corporation (NPC) Member FINRA/ SIPC, a Registered Investment Adviser Complete Money Management and NPC are separate and unrelated companies.

Dave Neunaber

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436 University Dr. Severn, MD 21144 Phone: (410) 969-9500 Fax: (410) 969-9402 [email protected] www.yourlifeplan.net

Financial planning does not have to be complicated. For strategies to address the most common planning issues, visit my website to download reports and enroll in my online course “Money Doesn’t Come With Instructions”.

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We take time to listen and fully understand your circumstances to provide individual service and personalized recommendations. We’d like to take this opportunity to thank our clients for their trust and confidence!

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Colin Meeks

Lisa D. Ingram, CPA, P.A. 7919 Darby Ln. Severn, MD 21144 Phone: (410) 969-0220 [email protected] www.ingram-cpa.com

Wealth Management Advisor

Navigating the financial markets has become a much more complex process as the dynamics of the global economy continuously changes. My passion has always been investments, and I truly enjoy working with clients to achieve the financial security we all deserve. Securities offered through PSA Equities, Inc., member FINRA/SIPC. Portfolio management and planning services offered through PSA Financial Advisors, Inc., a registered advisor firm. Investment products not FDIC or government insured, not bank guaranteed and may lose value.

Title: Registered Representative

Wealth gives people more choices and freedom in life. I aspire to help my clients live for today and plan for tomorrow. Crystalize your vision — plan — follow through. When was your last financial EKG?

Malcolm E. Steigerwald

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909 Soaring Eagle Ct. Davidsonville, MD 21035 Office: (410) 793-1228 Cell: (410) 991-8739 [email protected] www.severnfinancial.com

Lisa Ingram

303 International Cr. Hunt Valley, MD 21030 Phone: (410) 229-8200 Direct: (410) 229-8248 [email protected] Financial Advisor, CRPS®

Backed by the extensive resources of Morgan Stanley Smith Barney, The Steigerwald/ Longanecker Group is committed to finding that unique combination of products and services that helps you meet your goals. Please visit our website at www.fa.smithbarney. com/steigerwald_longanecker. © 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

February 2012 / baltimoremagazine.net /

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2012 Five Star Wealth Managers

Michael Calabrese

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