Baltimore 2011 FIVE STAR Wealth Managers - Five Star Professional
Baltimore 2011 FIVE STAR Wealth Managers - Five Star Professional
Baltimore 2011 FIVE STAR Wealth Managers - Five Star Professional
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SPECIAL ADVERTISING SECTION<br />
usiness<br />
o Business Se<br />
endo Business Servic<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
<strong>Wealth</strong> <strong>Managers</strong><br />
<strong>2011</strong> INDEPENDENT SURVEY<br />
OVERALL SATISFACTION<br />
escendo Business Services<br />
Crescendo Business Servic<br />
Crescendo Business Se<br />
©<strong>2011</strong> Crescendo Business Services www.fivestarprofessional.com<br />
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Meet your<br />
Well over half of the consumer<br />
responses in the <strong>Baltimore</strong> area<br />
indicated it is difficult to find a<br />
wealth manager they trust and rely on. (1)<br />
<strong>Wealth</strong> managers, broadly defined, are those<br />
individuals who help you manage your<br />
financial world and/or implement aspects of<br />
your financial strategies. Common examples<br />
of wealth managers are financial advisors,<br />
financial planners, investment advisors,<br />
tax advisors, estate planning attorneys, etc.<br />
With more than 8,200 wealth<br />
managers (2) in the <strong>Baltimore</strong> area, how<br />
do you find someone who listens to you,<br />
represents your interests and operates<br />
with an emphasis on integrity and service?<br />
<strong>Baltimore</strong> magazine can help. The magazine<br />
formed a partnership with Crescendo<br />
Business Services to find out which<br />
wealth managers scored highest in overall<br />
satisfaction.<br />
The Selection Process<br />
Crescendo administered a survey, by<br />
mail and phone, to approximately 1 in 4<br />
high-net-worth households (3) (over 99,000<br />
households) and all identified FINRA<br />
registered representatives (over 7,200<br />
financial services professionals) within the<br />
<strong>Baltimore</strong> area.<br />
On the surveys, recipients were asked<br />
to evaluate only wealth managers whom<br />
they know through personal experience<br />
and to evaluate them based upon nine<br />
criteria: customer service, integrity,<br />
knowledge/expertise, communication,<br />
value for fee charged, meeting of financial<br />
objectives, post-sale service, quality of<br />
recommendations and overall satisfaction.<br />
SPECIAL ADVERTISING SECTION<br />
<strong>Baltimore</strong> <strong>2011</strong> <strong>FIVE</strong> <strong>STAR</strong><br />
<strong>Wealth</strong> <strong>Managers</strong><br />
We surveyed consumers and financial services<br />
professionals to find wealth managers in the <strong>Baltimore</strong><br />
area who scored highest in overall satisfaction. Here<br />
they are.<br />
usiness<br />
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Both positive and negative evaluations<br />
were included in the scoring, and only<br />
wealth managers with more than five years<br />
of experience in the financial services<br />
industry were considered.<br />
Next, each wealth manager was<br />
reviewed for regulatory actions, civil judicial<br />
actions and customer complaints as reported<br />
by FINRA, the SEC, the State Board of<br />
Accountancy and the State Bar.<br />
Then, before finalizing the list, wealth<br />
managers were reviewed by a blue ribbon<br />
panel comprised of individuals from within<br />
the financial services industry. Although<br />
panelist comments were incorporated into<br />
the final score, safeguards were built into the<br />
review process to reduce the ability of panel<br />
members to influence the composition of the<br />
final list on the basis of company affiliation.<br />
An Elite Award<br />
The resulting list of <strong>2011</strong> <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong><br />
<strong>Managers</strong> is an elite group, representing less<br />
than 5 percent of the wealth managers in the<br />
<strong>Baltimore</strong> area. For a more user-friendly<br />
listing, wealth managers have been grouped<br />
based upon their primary financial service.<br />
Each wealth manager was also able to list up<br />
to three additional financial services that<br />
they provide their clients.<br />
Although this list will certainly be<br />
a useful tool for anyone looking for help<br />
in managing their financial world or<br />
implementing aspects of their financial<br />
strategies, it should not be considered<br />
exhaustive. Undoubtedly, there are many<br />
other excellent wealth managers who,<br />
for one reason or another, are not on this<br />
year’s list.<br />
(1) 2010 Consumer Survey, QMI Research<br />
(2) FINRA registered representatives, IARs, CPAs and attorneys that provide estate planning and trust services<br />
(3) Defined as the upper 1/3 of all households based on net-worth<br />
FS-2 / baltimoremagazine.net / FEBRUARY <strong>2011</strong><br />
Research Declarations:<br />
As with any research or recognition program, it is<br />
important that we provide you the following<br />
declarations:<br />
• The <strong>2011</strong> <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> do not<br />
pay a fee to be included in the research or the<br />
final list of <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong>.<br />
• The overall evaluation score of a wealth manager<br />
reflects an average of all respondents and may not<br />
be representative of any one client’s experience.<br />
• The <strong>FIVE</strong> <strong>STAR</strong> Award is not indicative of the<br />
wealth manager’s future performance.<br />
• <strong>Wealth</strong> managers may or may not use discretion<br />
in their practice and therefore may not manage<br />
their clients’ assets.<br />
• The inclusion of a wealth manager on the <strong>FIVE</strong><br />
<strong>STAR</strong> <strong>Wealth</strong> Manager list should not be<br />
construed as an endorsement of the wealth<br />
manager by Crescendo Business Services or<br />
<strong>Baltimore</strong> magazine.<br />
• Working with a <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager or<br />
any wealth manager is no guarantee as to future<br />
investment success nor is there any guarantee that<br />
the selected wealth managers will be awarded this<br />
accomplishment by Crescendo in the future.<br />
• The research process for the <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong><br />
Manager Program, managed by QMI Research,<br />
incorporates a statistically valid sample in order<br />
to identify the wealth managers in the local<br />
market that score highest in overall satisfaction.<br />
QMI Research does not include wealth<br />
managers on the list unless their score is<br />
statistically valid. At least 50 percent of the<br />
wealth managers in the market have a<br />
statistically valid score.<br />
For more information on the <strong>FIVE</strong> <strong>STAR</strong> Award<br />
and the research/selection methodology, go to:<br />
fivestarprofessional.com/wmresearch.<br />
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©<strong>2011</strong> Crescendo Business Services
BUSINESS PLANNING<br />
BUSINESS<br />
PLANNING<br />
Sidney Friedman<br />
Weinstock Friedman &<br />
Friedman<br />
EP, FP<br />
Ed Jacobson<br />
Glass Jacobson<br />
IV, TX<br />
Robert H. Jones<br />
Jones Hall Advisors<br />
EP, FP, TX<br />
Michael Limsky<br />
Summerfield, Willen,<br />
Silverberg & Limsky<br />
EP, TX<br />
Steven Manekin<br />
Ellin & Tucker, Chartered<br />
TX<br />
Marc Pushkin<br />
Pushkin & Pushkin<br />
EP, FP, IV<br />
Cindy ScarfoFisher<br />
Cardoni Waddell<br />
FP, TX<br />
Brian Stamp<br />
Stamp Financial Services<br />
EP, FP, IV<br />
ESTATE<br />
PLANNING<br />
Lawrence Adashek<br />
Lawrence D. Adashek,<br />
Attorney At Law<br />
BP, TS, TX<br />
Susan Beasley<br />
Susan E. Beasley<br />
TX<br />
Kevin Bress<br />
Hodes Pessin & Katz<br />
BP, TS, TX<br />
Gail Cooper<br />
Thomas Ronald & Cooper<br />
TS, TX<br />
Brian Crepeau<br />
Rosenberg, Martin,<br />
Greenberg<br />
TX Page 35<br />
Frederick Franke<br />
Law Office of Frederick<br />
R. Franke, Jr.<br />
TS, TX<br />
Richard Gershberg<br />
Gershberg & Associates<br />
BP<br />
SPECIAL ADVERTISING SECTION<br />
INDEX OF WEALTH MANAGERS<br />
List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. <strong>Wealth</strong> Manager additional financial services:<br />
BP=Business Planning; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; TS=Trust Services; TX=Taxation<br />
ESTATE PLANNING<br />
Judith Harclerode<br />
Moore, Carney, Ryan &<br />
Lattanzi<br />
Laura Henninger<br />
Henninger & Henninger<br />
BP, TS, TX<br />
Andrew Hermann<br />
Levy Mann Caplan<br />
Hermann & Polashuk<br />
Jeffrey Higdon<br />
Serio & Higdon<br />
BP<br />
Michael Hodes<br />
Michael Hodes Financial<br />
Consultants<br />
FP<br />
Samuel Hoyle<br />
Monaghan Tilghman &<br />
Hoyle<br />
BP<br />
Jay Hymer<br />
Schnitzer, Segall, Hymer<br />
& Billian<br />
BP, TS, TX<br />
Matthew Kunkel<br />
RBC <strong>Wealth</strong><br />
Management<br />
FP, IV, TS Page 24<br />
James A. List<br />
Law Offices of<br />
James A. List<br />
BP, TS, TX<br />
Matthew Mace<br />
Ober Kaler, Attorneys<br />
at Law<br />
BP, TS, TX<br />
Adam Miller<br />
Miller Financial Group<br />
FP, IN, IV<br />
Richard Moore, Sr.<br />
Law Offices of<br />
Richard W. Moore<br />
BP, TX Page 36<br />
Chris A. Owens<br />
Chris A. Owens, Attorney<br />
at Law<br />
BP, TS, TX<br />
David Pessin<br />
Hodes Pessin & Katz<br />
BP, TX<br />
Theodore Provenza<br />
The Provenza Group<br />
FP, IV, TS<br />
George Reynolds III<br />
Miles & Stockridge<br />
BP, TS, TX<br />
ESTATE PLANNING<br />
Thomas Schetelich<br />
Ferguson Schetelich &<br />
Ballew<br />
BP, TS, TX Page 36<br />
Joseph Schnitzer<br />
Schnitzer, Segall, Hymer<br />
& Billian<br />
BP, TS<br />
Gina Shaffer<br />
The Attorneys of Shaffer<br />
Law Office<br />
TS<br />
Robert Sloan<br />
Whiteford Taylor Preston<br />
TS, TX<br />
Louis Jay Ulman<br />
Offit Kurman, Attorneys<br />
At Law<br />
BP, TX<br />
Richard Wright<br />
The Wright Firm<br />
BP, TS<br />
FINANCIAL<br />
PLANNING<br />
Rita Abel<br />
Abel Financial<br />
Management Company<br />
EP, IV, TX<br />
Lee Abramovitz<br />
Abramovitz <strong>Wealth</strong><br />
Management<br />
EP, IN, IV<br />
Michael Achatz<br />
MetLife<br />
IN, IV<br />
Brian A. Akers<br />
Akers Financial Group<br />
EP, IN, IV Page 11<br />
Mark Altemus<br />
Morgan Stanley Smith<br />
Barney<br />
IV<br />
Katherine Bays Armstrong<br />
Heritage Financial<br />
Consultants<br />
BP, IN, IV Page 26<br />
Megan Avery<br />
Legacy Financial Group<br />
TX<br />
John Bacci<br />
Foundation Financial<br />
Advisors<br />
EP, IV, TX Page 27<br />
FINANCIAL PLANNING<br />
T. Joseph Barger<br />
Academy Financial<br />
BP, IN, IV Page 10<br />
Lyle Benson<br />
L.K. Benson & Company<br />
EP, IV, TX<br />
David Berman<br />
Berman McAleer<br />
EP, IN, IV<br />
Jay Beynon<br />
RBC <strong>Wealth</strong> Management<br />
EP, IN, IV<br />
Mary Boyle<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IV, TS<br />
Douglas Brandeen<br />
Merrill Lynch<br />
EP, IV, TS<br />
Michael O. Brooks<br />
Brooks Financial Group<br />
BP, EP, IV<br />
Eric Brotman<br />
Brotman Financial Group<br />
EP, IN, IV<br />
Michael Calabrese<br />
Severn Financial<br />
Solutions<br />
IN, IV, TX<br />
Jeffrey D. Carlson<br />
Ameriprise Financial<br />
Services, Inc.<br />
BP, EP, IV Page 33<br />
Nohemi Cecil<br />
John Hancock/Signature<br />
Financial Partners<br />
EP, IV<br />
Jason Chamberlain<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV<br />
Joseph Cirelli<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV Page 33<br />
Patrick Collins<br />
Greenspring <strong>Wealth</strong><br />
Management<br />
IV, TX<br />
Andrew “Drew” Cook<br />
Berman McAleer<br />
EP, IN, IV<br />
James Curran III<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV Page 35<br />
usiness<br />
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<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
FINANCIAL PLANNING<br />
John E. Day<br />
Day Financial Group<br />
EP, IN, IV Page 33<br />
Sarah DeCerbo<br />
StoneBridge Advisors<br />
EP, IN, IV<br />
Woody Derricks<br />
Partnership <strong>Wealth</strong><br />
Management<br />
EP, IN, IV Page 26<br />
David DeVito<br />
Morgan Stanley Smith<br />
Barney<br />
IV<br />
John Donohue, Jr.<br />
Donohue Hart &<br />
Associates<br />
BP, IN, IV<br />
Jason Dudderar<br />
Morgan Stanley Smith<br />
Barney<br />
IV<br />
Benjamin Dychala<br />
BJD Financial Planning<br />
Group<br />
EP, IV Page 27<br />
James Eichelberger<br />
Strategic <strong>Wealth</strong><br />
Management Group<br />
IV<br />
Thomas Ervin<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV<br />
Andrew Fink<br />
Morgan Stanley Smith<br />
Barney<br />
BP, IN, IV<br />
Adrian Force<br />
Merrill Lynch<br />
EP, IN, IV<br />
Mitchell Ford<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV<br />
Harry “Mac” Ford<br />
Morgan Stanley Smith<br />
Barney<br />
EP<br />
Dena Frenkel<br />
Ameriprise Financial<br />
Services, Inc.<br />
EP, IN, IV<br />
Howard Friedman<br />
AXA Advisors<br />
EP, IN, IV<br />
escendo Business Services<br />
Crescendo Business Servic<br />
Crescendo Business Se<br />
www.fivestarprofessional.com FEBRUARY <strong>2011</strong> / baltimoremagazine.net / FS-3<br />
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FINANCIAL PLANNING<br />
Edward Frome<br />
Ameriprise Financial<br />
Services, Inc.<br />
IN, IV<br />
Jeff Furniss<br />
Charter Financial Group<br />
EP, IN, IV<br />
Damian Gallina<br />
Buttonwood Financial<br />
Advisors<br />
IV Page 33<br />
Edward Garbarino<br />
Merrill Lynch<br />
EP, IN, IV<br />
Barry Garber<br />
Deutsche Bank<br />
EP, IV, TS<br />
Brian Gardiner<br />
Gardiner Private <strong>Wealth</strong><br />
Management<br />
EP, IV, TS<br />
Kyle German<br />
New York Life/Harbor<br />
Financial Group<br />
BP, IN, IV<br />
Henry Godfrey<br />
Asset Management<br />
Services<br />
EP, IN, IV<br />
Stephen Goldstein<br />
Janney Montgomery<br />
Scott<br />
EP, IN, IV<br />
Brian Gracie<br />
Heritage Financial<br />
Consultants<br />
EP, IN, IV<br />
David Greenleigh<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV<br />
James Griesser<br />
Strategic <strong>Wealth</strong><br />
Management Group<br />
IV<br />
Dennis Grinestaff, Jr.<br />
BCSB Financial Services<br />
EP, IN, IV<br />
Sharon Grinestaff<br />
BCSB Financial Services<br />
EP, IN, IV<br />
Jason Harris<br />
Robert W. Baird &<br />
Company<br />
BP, IN, IV<br />
SPECIAL ADVERTISING SECTION<br />
INDEX OF WEALTH MANAGERS<br />
List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. <strong>Wealth</strong> Manager additional financial services:<br />
BP=Business Planning; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; TS=Trust Services; TX=Taxation<br />
FINANCIAL PLANNING<br />
John Hauserman<br />
Retirement Quest<br />
Timothy Heidenberg<br />
Ameriprise Financial<br />
Services, Inc.<br />
EP, IN, IV<br />
Ryan Hemminger<br />
Morgan Stanley Smith<br />
Barney<br />
IV<br />
Tom Henry<br />
Integrated Financial<br />
Solutions<br />
EP, IN, IV<br />
Edward Herring<br />
Ameriprise Financial<br />
Services, Inc.<br />
IN, IV, TX Page 34<br />
Michael Hilliard<br />
Ameriprise Financial<br />
Services, Inc.<br />
IN, IV, TX<br />
Benjamin Hoffman<br />
Ameriprise Financial<br />
Services, Inc.<br />
IN, IV<br />
Kenneth Holt<br />
Morgan Stanley Smith<br />
Barney<br />
IV<br />
Gregory Horning<br />
SC&H Financial Advisors<br />
EP, IV, TX<br />
Walter D. Hrab<br />
Ameriprise Financial<br />
Services, Inc.<br />
EP, IN, IV Page 28<br />
Bruce Hughes<br />
Bruce Hughes, CPA<br />
TX<br />
Margaret Jackson<br />
RBC <strong>Wealth</strong> Management<br />
EP, IN, IV<br />
Michael Johnson<br />
Robert W. Baird &<br />
Company<br />
EP, IN, IV<br />
Richard Juergensen<br />
Ameriprise Financial<br />
Services, Inc.<br />
BP, EP, IV Page 28<br />
Richard Keetley<br />
Janney Montgomery<br />
Scott<br />
EP, IV, TS<br />
FS-4 / baltimoremagazine.net / FEBRUARY <strong>2011</strong><br />
FINANCIAL PLANNING<br />
Marcy Kelly<br />
Marcy A. Kelly, CPA<br />
EP, IV, TX Page 29<br />
William Kelly<br />
The Kelly Group<br />
BP, IV, TX<br />
Thomas Kerr<br />
Charter Financial Group<br />
BP, IN, IV<br />
Ned Kissinger<br />
Kissinger Financial<br />
Services<br />
EP, IN, IV Page 19<br />
Jeff Klauenberg<br />
Klauenberg<br />
Retirement Solutions<br />
EP, IV, TX Page 29<br />
Michael Lawrence<br />
Morgan Stanley Smith<br />
Barney<br />
IN, IV, TS<br />
Jerry Leibowitz<br />
Morgan Stanley Smith<br />
Barney<br />
IV<br />
Scott Levin<br />
Worthington Financial<br />
Partners<br />
BP, IN, IV Page 34<br />
Michael Livingston<br />
Livingston Financial<br />
Group<br />
IN, IV<br />
Glenn Livingston<br />
Livingston Financial<br />
Group<br />
IN, IV<br />
Jenny Logsdon<br />
Wolf & Associates<br />
Financial Group<br />
BP, EP, IV<br />
Justin Lotano<br />
Ameriprise Financial<br />
Services, Inc.<br />
EP, IN, IV<br />
Jim Ludwick<br />
MainStreet Financial<br />
Planning<br />
IN, IV<br />
Brian Luts<br />
Morgan Stanley Smith<br />
Barney/The Luts &<br />
Greenleigh Group<br />
EP, IN, IV<br />
FINANCIAL PLANNING<br />
Brian Lutz<br />
Merrill Lynch<br />
IN, IV<br />
John Magiros<br />
Morgan Stanley Smith<br />
Barney<br />
BP, IN, IV<br />
Peter D. Maller<br />
Heritage Financial<br />
Consultants<br />
EP, IN, IV Page 34<br />
Matthew Manning II<br />
Morgan Stanley Smith<br />
Barney<br />
BP, EP, IV Page 35<br />
Matthew Margolies<br />
Merrill Lynch<br />
BP, EP, IV<br />
Bruce Marshall<br />
Ameriprise Financial<br />
Services, Inc.<br />
IN, IV<br />
Peter Marshall<br />
The Marshall Financial<br />
Group<br />
IN, IV Page 34<br />
Jake Mason<br />
Pinnacle Advisory Group<br />
BP, EP, IV<br />
Tim Maurer<br />
The Financial Consulate<br />
EP, IV, TX<br />
Ryan Mazzarino<br />
RBC <strong>Wealth</strong> Management<br />
IN, IV, TS<br />
John Joseph McAleer<br />
Berman McAleer<br />
EP, IN, IV<br />
Ronald Mitcherling, Jr.<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV<br />
Patrick Monaghan, IV<br />
Berman McAleer<br />
EP, IN, IV<br />
Donald Moore<br />
Chesapeake Financial<br />
Strategies<br />
EP, IN, IV Page 36<br />
James Mugele<br />
Robert W. Baird &<br />
Company<br />
EP, IN, IV<br />
Eugene Nazelrod<br />
Nazelrod & Associates<br />
EP, IV, TX<br />
usiness<br />
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<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
FINANCIAL PLANNING<br />
Jason Nazelrod<br />
Nazelrod & Associates<br />
IN, IV, TX<br />
Spencer Neal<br />
Severn Financial Group<br />
EP, IN, IV<br />
David Neunaber<br />
Thrivent Financial<br />
EP, IN, IV<br />
Luis Padilla<br />
Workforce Tactix<br />
IV<br />
Mark Pallack<br />
New York Life<br />
BP, EP, IV Page 36<br />
John Pastalow III<br />
Ameriprise Financial<br />
Services, Inc.<br />
IN, IV<br />
Bill Persons<br />
Morgan Stanley Smith<br />
Barney<br />
IV<br />
Kenneth Pittman<br />
PNC Financial Services<br />
Group<br />
EP, IV, TS Page 30<br />
Richard Plant, Jr.<br />
Plant, Solomon, Weslow<br />
& Associates/Ameriprise<br />
Financial Services, Inc.<br />
IV<br />
Ariel Popel<br />
Morgan Stanley Smith<br />
Barney<br />
BP, IV, TS<br />
Annette Quigley<br />
BCSB Financial Services<br />
BP, IN, IV<br />
Leonard Raskin<br />
<strong>Wealth</strong> Advocacy Partners<br />
EP, IN, IV<br />
Bernard Richards<br />
MetLife<br />
EP, IN, IV Page 36<br />
Maarten Rietveld<br />
Nationwide Securities<br />
EP, IN, IV<br />
Barbara Rishel<br />
Merrill Lynch<br />
BP, IV<br />
Brian T. Rosenbaum<br />
Capital Financial<br />
Partners<br />
EP, IN, IV Page 30<br />
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FINANCIAL PLANNING<br />
Beth Rosenwald<br />
RBC <strong>Wealth</strong><br />
Management<br />
EP, IN, IV Page 24<br />
Alex Rotman<br />
Morgan Stanley Smith<br />
Barney<br />
IN, IV<br />
Robert Saunders<br />
Ameriprise Financial<br />
Services, Inc.<br />
IV<br />
Stephen Schad<br />
Ameriprise Financial<br />
Services, Inc.<br />
EP, IN, IV<br />
Scott Schuebel<br />
Garrison Financial<br />
EP, IN, IV<br />
Mitchel Shapiro<br />
Shapiro Financial Advisors<br />
EP, IN, IV<br />
Bradley Shepherd<br />
Brooks Financial Group<br />
EP, IN, IV<br />
David Solomon<br />
Ameriprise Financial<br />
Services, Inc.<br />
IV<br />
Malcolm Steigerwald<br />
Morgan Stanley Smith<br />
Barney<br />
IN, IV Page 36<br />
Mark Stinson<br />
Balitmore Washington<br />
Financial Advisors<br />
EP, IV, TX<br />
J.W. Thomas II<br />
Ameriprise Financial<br />
Services, Inc.<br />
IN, IV Page 37<br />
Drew Tignanelli<br />
The Financial Consulate<br />
EP, IV<br />
Douglas Velnoskey<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV<br />
Richard Wagener<br />
Wagener-Lee<br />
IV<br />
Eric Walker<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV<br />
SPECIAL ADVERTISING SECTION<br />
INDEX OF WEALTH MANAGERS<br />
List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. <strong>Wealth</strong> Manager additional financial services:<br />
BP=Business Planning; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; TS=Trust Services; TX=Taxation<br />
FINANCIAL PLANNING<br />
Chris Walker<br />
The Walker Hall<br />
Group/RBC <strong>Wealth</strong><br />
Management<br />
EP, IV<br />
Michael Ward<br />
StoneBridge Advisors<br />
BP, EP, IN<br />
Lee Warner<br />
The L. Warner Companies<br />
EP, IN, IV<br />
Chadwick Watson<br />
Charter Financial Group<br />
EP, IN, IV<br />
Wendy M. Weaver<br />
The Family Firm<br />
IV<br />
John T. Webbert<br />
John Webbert<br />
IN, IV, TX<br />
Bobby Wehman<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN, IV<br />
Jordan Weinberg<br />
Strata Financial<br />
Services<br />
EP, IN, IV Page 37<br />
Brent Weiss<br />
Brotman Financial Group<br />
EP, IN, IV<br />
James Weslow<br />
Ameriprise Financial<br />
Services, Inc.<br />
IV<br />
Bruce Wiener<br />
Wiener Financial<br />
Management<br />
IV<br />
Gary Williams<br />
Williams Asset<br />
Management<br />
IV<br />
Howard Wilner<br />
Wilner & Scherr<br />
EP, IV, TX Page 37<br />
Andrew Wilson<br />
Lighthouse Financial<br />
Advisors<br />
EP, IV, TX<br />
Ryan Winterstein<br />
Morgan Stanley Smith<br />
Barney<br />
IV<br />
FINANCIAL PLANNING<br />
Vicki M. Wolf<br />
Morgan Stanley Smith<br />
Barney<br />
IN, IV<br />
Morry Zolet<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IV, TS Page 32<br />
INSURANCE<br />
Dave M. Morris<br />
Franklin Morris Associates<br />
BP, EP, FP<br />
INVESTMENTS<br />
Neal Abravanel<br />
Wells Fargo Advisors,<br />
LLC<br />
Elisabeth “Betsy” Albert<br />
Hayes<br />
Chapin Davis Investments<br />
BP, FP, TS<br />
Frederick Allner<br />
Maryland Capital<br />
Management<br />
FP, TS<br />
Ryan Appleby<br />
Hergenroeder<br />
Financial Advisors<br />
BP, FP, IN Page 18<br />
Linda Askew<br />
Askew Continuing<br />
Education<br />
IN<br />
Charles Bailey<br />
Chapin Davis<br />
Investments<br />
EP, FP, IN Page 12<br />
Roger Bair<br />
The Financial Consulate<br />
EP, FP<br />
David Barnes<br />
Merrill Lynch<br />
Patricia Baum<br />
RBC <strong>Wealth</strong> Management<br />
EP, FP, IN<br />
Kevin R. Bell<br />
Merrill Lynch<br />
EP, FP, TS<br />
Thomas Biddison III<br />
Cornerstone Advisory<br />
FP<br />
Robert Bogue<br />
Calvert Investment<br />
Counsel<br />
EP, FP, TS<br />
INVESTMENTS<br />
David Bormel<br />
Merrill Lynch<br />
EP, FP, TS<br />
William Boykin, IV<br />
Merrill Lynch<br />
EP, IN, TS<br />
David Brandeen<br />
Merrill Lynch<br />
EP, FP, IN<br />
Randolph Brinton<br />
RBC <strong>Wealth</strong> Management<br />
FP, IN, TS<br />
Mary Burrows<br />
Stifel Nicolaus & Company<br />
Angus Burton<br />
Marathon Capital<br />
Management<br />
Jeffrey Caples<br />
Maryland Capital<br />
Management<br />
FP, TS<br />
Timothy Carne<br />
Merrill Lynch<br />
FP, IN, TS<br />
John F. Cavanaugh<br />
Brown Advisory<br />
Michael Cohen<br />
Glass Jacobson<br />
Susan L. Craib<br />
Brown Advisory<br />
EP, TS, TX<br />
Russell Croft<br />
Croft Leominster<br />
FP<br />
Frederick Crow<br />
Ameriprise Financial<br />
Services, Inc.<br />
EP, FP, IN<br />
Tony Cummings<br />
Edward Jones<br />
Tom Custance<br />
Edward Jones<br />
Alan Danielson<br />
RBC <strong>Wealth</strong> Management<br />
EP, FP, TS<br />
John Darlington III<br />
RBC <strong>Wealth</strong> Management<br />
TS<br />
Eric Decker<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8, 13<br />
Bart DeLuca<br />
Wells Fargo Advisors<br />
Financial Network, LLC<br />
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<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
INVESTMENTS<br />
H. Anderson Demuth<br />
Morgan Stanley Smith<br />
Barney<br />
EP, FP<br />
Robert Demuth<br />
Morgan Stanley Smith<br />
Barney<br />
EP, FP<br />
Frank Dingle<br />
RBC <strong>Wealth</strong> Management<br />
FP, IN, TS<br />
Lyn Dippel<br />
Financial Advantage<br />
EP, FP<br />
Martin Domres<br />
Deutsche Bank<br />
EP<br />
Michael Dougherty<br />
Chapin Davis Investments<br />
IN<br />
David Dukehart<br />
Merrill Lynch<br />
BP, EP, TS<br />
Richard DuVal, Jr.<br />
Robert W. Baird &<br />
Company<br />
EP, FP, IN<br />
Mark Dyer<br />
RBC <strong>Wealth</strong><br />
Management<br />
FP Page 14<br />
Vernon Edejer<br />
TD Ameritrade<br />
Bill Eitze<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Bryon Epple<br />
Shaeffer Investment<br />
Group/RBC <strong>Wealth</strong><br />
Management<br />
EP, FP, TS<br />
Nancy Eshmont<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Joseph Esposito<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Paul Fallace<br />
Morgan Stanley Smith<br />
Barney<br />
FP, IN<br />
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INVESTMENTS<br />
Thomas Feldman<br />
Stifel Nicolaus &<br />
Company<br />
IN<br />
Phyllis Franklin<br />
RBC <strong>Wealth</strong> Management<br />
FP<br />
William Fritz<br />
PNC Bank/ <strong>Wealth</strong><br />
Management<br />
Page 30<br />
Mark Fuhr<br />
MetLife<br />
Page 35<br />
Tony Fusco<br />
Fusco Financial<br />
Associates<br />
EP, FP, IN Page 16<br />
David Gately<br />
Morgan Stanley Smith<br />
Barney<br />
EP<br />
Craig Gayhardt<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Joseph Geier<br />
Geier Asset Management<br />
BP, EP, FP<br />
John Gerold<br />
RBC <strong>Wealth</strong> Management<br />
BP, EP, FP<br />
Christopher Glotzbach<br />
Morgan Stanley Smith<br />
Barney<br />
EP, FP<br />
Patrick Goles<br />
RBC <strong>Wealth</strong> Management<br />
EP, FP, TX<br />
Kevin Goodman<br />
Chapin Davis<br />
Investments<br />
EP, FP Page 12<br />
Daniel Gounaris<br />
Merrill Lynch<br />
Jeff Graham<br />
Robert W. Baird &<br />
Company<br />
BP, EP, FP<br />
Pamela Graham<br />
Pro <strong>Wealth</strong> Management<br />
EP, IN<br />
Christopher Grant<br />
Grant/GrossMendelsohn<br />
EP, FP, TX<br />
SPECIAL ADVERTISING SECTION<br />
INDEX OF WEALTH MANAGERS<br />
List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. <strong>Wealth</strong> Manager additional financial services:<br />
BP=Business Planning; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; TS=Trust Services; TX=Taxation<br />
INVESTMENTS<br />
Robert Greenwald<br />
Wells Fargo Advisors, LLC<br />
Michelle Harf-Grim<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Michael Hartman<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8, 17<br />
Patrick Haskins<br />
Wells Fargo Advisors, LLC<br />
Jeffrey Henderson<br />
Charles Schwab<br />
FP<br />
Lisa Hergenroeder<br />
Hergenroeder<br />
Financial Advisors<br />
BP, FP, TX Page 18<br />
Rebecca Hergenroeder<br />
Hergenroeder<br />
Financial Advisors<br />
EP, FP, TS Page 18<br />
Alan Hess<br />
Morgan Stanley Smith<br />
Barney<br />
IN<br />
Matt Hickes<br />
The Mutual Fund Store<br />
FP<br />
David Hicks<br />
David A. Hicks<br />
EP, FP, IN<br />
John Hill<br />
Pinnacle Advisory Group<br />
EP, FP, TX<br />
Josie Hoffman<br />
Merrill Lynch<br />
Stephen Holland<br />
Wells Fargo Advisors, LLC<br />
Robert Hopkins<br />
Wells Fargo Advisors, LLC<br />
Patrick Horan<br />
Horan Capital<br />
Management<br />
BP, EP, TS<br />
Philip Huber, Jr.<br />
Huber Weakland &<br />
Associates<br />
EP, FP, TX<br />
Donald Huber, Jr.<br />
Cornerstone Advisory<br />
FP<br />
FS-6 / baltimoremagazine.net / FEBRUARY <strong>2011</strong><br />
INVESTMENTS<br />
Charles Imhoff<br />
CFMA<br />
BP, EP, TX<br />
James J. Jacobson<br />
Morgan Stanley Smith<br />
Barney<br />
EP, FP, IN<br />
John Jaeger<br />
Morgan Stanley Smith<br />
Barney<br />
Kirk Jay<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Robert I. Jeffrey<br />
The Jeffrey Group/<br />
Morgan Stanley Smith<br />
Barney<br />
EP, FP, TS<br />
Arthur Johnson<br />
Morgan Stanley Smith<br />
Barney<br />
IN<br />
Erik Johnson<br />
Private Fund Advisors<br />
FP<br />
Thomas Judge<br />
Wells Fargo Advisors<br />
Financial Network, LLC<br />
J. Robert Judkins<br />
Morgan Stanley Smith<br />
Barney<br />
FP<br />
David Kelley<br />
Charles Schwab<br />
FP<br />
Debra Kriebel<br />
Pinnacle Advisory Group<br />
BP, EP, FP<br />
Brian Kroneberger, Jr.<br />
RBC <strong>Wealth</strong><br />
Management<br />
EP, FP, TS Page 14<br />
Marat Kushner<br />
Wells Fargo Advisors<br />
Financial Network, LLC<br />
Geraldine Langan<br />
PFS Investments<br />
FP, IN<br />
Robert E. Letschin, Jr.<br />
Merrill Lynch<br />
Keith Levitt<br />
Robert W. Baird &<br />
Company<br />
BP, EP, FP<br />
INVESTMENTS<br />
John Lynch<br />
Wells Fargo Advisors<br />
Financial Network, LLC<br />
John Macon<br />
Morgan Stanley Smith<br />
Barney<br />
EP, FP Page 20<br />
Frank Richard Manson<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Joshua Mauer<br />
Morgan Stanley Smith<br />
Barney<br />
BP, FP, IN<br />
Mark McGrath<br />
Stifel Nicolaus &<br />
Company<br />
EP, FP, IN<br />
V. Randolph McMenamin<br />
Hardesty Capital<br />
Management<br />
FP<br />
Aaron Meisner<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Robert Mewshaw<br />
Van Sant & Mewshaw<br />
Registered Investment<br />
Advisor<br />
FP, TS Page 21<br />
Mark Miller<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Todd Mitchell<br />
Janney Montgomery<br />
Scott<br />
BP, EP, FP<br />
Suzanne Morgan<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Thomas Morgan<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Meredith Mowen<br />
Legg Mason Investment<br />
Counsel & Trust<br />
EP, FP, TS<br />
R. Theodore Murphy<br />
Cornerstone Advisory<br />
FP, IN<br />
usiness<br />
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<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
INVESTMENTS<br />
Keith Murray<br />
Chapin Davis Investments<br />
FP, IN, TS<br />
Robert Naeny, Jr.<br />
Stifel Nicolaus &<br />
Company<br />
FP, IN<br />
Chad Norfolk<br />
Financial Advantage<br />
EP, FP<br />
Daniel Novak, Jr.<br />
Novak Financial<br />
Planning<br />
FP<br />
Steven Nuetzel<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Brandon Oliver<br />
Morgan Stanley Smith<br />
Barney<br />
EP, FP, IN<br />
Niall O’Malley<br />
Blue Point Investment<br />
Management<br />
Christopher Ozazewski<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8, 13<br />
Frank Palulis<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Joseph Parnes<br />
Technomart<br />
Investment Advisors<br />
Page 32<br />
Howard R. Pinson<br />
Pinson <strong>Wealth</strong><br />
Management/The<br />
Sterling Group<br />
BP, FP, IN Page 22<br />
Elizabeth Plunkett<br />
Wells Fargo Advisors, LLC<br />
James Pomfret<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Benjamin Proctor III<br />
Morgan Stanley Smith<br />
Barney<br />
FP Page 36<br />
Bob Ray<br />
Balitmore Washington<br />
Financial Advisors<br />
EP, FP, TX<br />
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INVESTMENTS<br />
Lauren Rebbel<br />
Slavie Financial Services<br />
FP, IN<br />
Joseph E. Ries, IV<br />
Stifel Nicolaus &<br />
Company<br />
EP, FP, IN Page 23<br />
Patricia Roche<br />
Merrill Lynch<br />
EP, FP, TS<br />
Jonathan Rogers<br />
Merrill Lynch<br />
BP, FP, TS<br />
Philip Sachs<br />
Morgan Stanley Smith<br />
Barney<br />
EP, FP, IN<br />
Nilos T. Sakellariou<br />
NTS Bearing/Total<br />
<strong>Wealth</strong> Management<br />
EP, FP, IN Page 31<br />
Eladio Santiago<br />
Morgan Stanley Smith<br />
Barney<br />
FP Page 35<br />
Sherry Saucerman<br />
SunTrust Investment<br />
Services<br />
EP, FP, IN Page 31<br />
Joshua Scheinker<br />
Janney Montgomery<br />
Scott<br />
EP, FP<br />
Gerald Scheinker<br />
Janney Montgomery<br />
Scott<br />
EP, FP, TS<br />
Laurence Seiden<br />
PSA Insurance &<br />
Financial Services<br />
IN<br />
Ashby Shanks, Jr.<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Scott Shotto<br />
Morgan Stanley Smith<br />
Barney<br />
FP<br />
Edward Simon<br />
Hartford Financial Group<br />
EP, IN<br />
SPECIAL ADVERTISING SECTION<br />
INDEX OF WEALTH MANAGERS<br />
List compiled by Crescendo Business Services. Names in boldface also appear in the profiles that follow. <strong>Wealth</strong> Manager additional financial services:<br />
BP=Business Planning; EP=Estate Planning; FP=Financial Planning; IN=Insurance; IV=Investments; TS=Trust Services; TX=Taxation<br />
INVESTMENTS<br />
Nicholas Smeresky<br />
Morgan Stanley Smith<br />
Barney<br />
FP, IN, TS<br />
Robin Smith<br />
Merrill Lynch<br />
EP, IN<br />
Joseph Snouffer<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Paul Speargas<br />
WMS Partners<br />
EP, FP, TX<br />
Michael Stack<br />
Merrill Lynch<br />
EP, FP, IN<br />
M. Kent Strosnider<br />
Morgan Stanley Smith<br />
Barney<br />
EP, IN<br />
Jeffrey Strzelczyk<br />
Morgan Stanley Smith<br />
Barney<br />
BP, EP, FP<br />
John Sutton, Jr.<br />
Shaeffer Investment<br />
Group/RBC <strong>Wealth</strong><br />
Management<br />
IN, TS<br />
George Taylor<br />
Temenos Advisory<br />
FP Page 25<br />
Cathy Teller<br />
Teller Financial Services<br />
Thomas Thibeault<br />
Chapin Davis Investments<br />
FP<br />
Linda Tice<br />
PSA Insurance &<br />
Financial Services<br />
EP, FP, IN<br />
Ted Toal<br />
Rockwood <strong>Wealth</strong><br />
Management<br />
EP, FP, TX<br />
Eric Villamater<br />
Morgan Stanley Smith<br />
Barney<br />
FP<br />
INVESTMENTS<br />
Lori Villegas<br />
Morgan Stanley Smith<br />
Barney<br />
BP, EP, FP<br />
James Warring<br />
EagleStone <strong>Wealth</strong><br />
Advisors<br />
EP, FP, TX<br />
Mark Weigman<br />
T. Rowe Price Associates<br />
FP<br />
Jeffrey N. Weiner<br />
Wells Fargo Advisors,<br />
LLC<br />
Page 8<br />
Steve Welsch<br />
Robert W. Baird &<br />
Company<br />
FP<br />
Art Widmann<br />
Widmann Financial<br />
Services<br />
EP, FP<br />
Beau Wilder III<br />
Morgan Stanley Smith<br />
Barney<br />
BP, FP, IN Page 37<br />
Gordon Witherspoon<br />
Morgan Stanley Smith<br />
Barney<br />
FP<br />
Michael Wooden<br />
Wooden Financial<br />
FP, IN<br />
Christopher Yanson<br />
Edward Jones<br />
Frederick Zeller<br />
Morgan Stanley Smith<br />
Barney<br />
EP, FP<br />
TAXATION<br />
Allan Alperstein<br />
Alperstein & Stelmack<br />
BP, EP<br />
Arthur F. Bell, Jr.<br />
Arthur Bell, CPA<br />
BP<br />
Howard Blum<br />
Feldman Blum &<br />
Associates, CPA<br />
TAXATION<br />
Barry Bondroff<br />
Gorfine Schiller &<br />
Gardyn<br />
BP, EP<br />
Scott Cimino<br />
Oracle Capital Strategies<br />
BP, EP, FP<br />
Charles Freeland<br />
Charles Freeland,<br />
Attorney at Law<br />
EP, FP, IV Page 15<br />
Richard Friedlander<br />
Rosen Sapperstein &<br />
Friedlander, Chartered<br />
BP, EP<br />
Edward Friedman<br />
Edward M. Friedman,<br />
CPA<br />
FP<br />
Alan Gordon<br />
Alan L. Gordon, CPA<br />
Sandra Gourley<br />
Sandra Schultz Gourley,<br />
CPA<br />
BP<br />
C. David Heisler<br />
Heisler Williams &<br />
Lazzaro<br />
EP<br />
Deborah Herman<br />
Deborah L. Herman, CPA<br />
BP, EP, FP<br />
Karen Hoffman<br />
Kahler & Associates<br />
Sheldon Kalish<br />
Kalish & Associates<br />
BP<br />
Michael Katz<br />
Katz & Luxenberg<br />
BP<br />
John Kenneally<br />
Kenneally & Company<br />
BP, FP, TS Page 35<br />
Frank Longley<br />
Carney & Longley<br />
BP<br />
Leonard J. Miller<br />
Leonard J. Miller &<br />
Associates, Chartered<br />
BP, EP, FP Page 35<br />
David Mueller<br />
Mueller & Company<br />
BP, EP, FP Page 36<br />
usiness<br />
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<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
TAXATION<br />
Irvin Naiman<br />
Naiman & Associates<br />
BP, EP, FP<br />
Laura M. Nemec<br />
Four Corners Tax<br />
BP, EP, FP<br />
Barrett Penan<br />
Penan & Scott<br />
BP, EP, FP<br />
Jeffrey Ring<br />
Fisher Ring<br />
BP, EP, TS<br />
Irv Rosenstadt<br />
Rosenstadt & Associates<br />
EP, FP, TS<br />
James A. Smyth<br />
Smyth & Ward<br />
BP<br />
Robert Stahler, Jr.<br />
RH Stahler, Jr., CPA<br />
BP, FP, IV<br />
Joseph L. Stefanski<br />
Joseph L. Stefanski, CPA<br />
BP, EP, FP<br />
David Stein<br />
David A. Stein, CPA<br />
BP, FP<br />
Robert Taylor<br />
Premier Business<br />
Solutions<br />
BP, EP<br />
Thomas Wagner<br />
Thomas Wagner &<br />
Associates<br />
BP<br />
Benny Walker<br />
Weyrich Cronin & Sorra<br />
BP, EP<br />
Martin Yospa<br />
Gorfine Schiller & Gardyn<br />
BP<br />
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Left to right: <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> Dick Manson, Eric B. Decker, Jeff rey Weiner, Mark Miller, Aaron W. Meisner, Michelle Harf-Grim, Craig Gayhardt,<br />
James J. Pomfret, Michael J. Hartman, Joseph Esposito, Frank W. Palulis, Suzanne Morgan and Tom Morgan; Jennifer Ghingher Snouff er,<br />
<strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> Jay Snouff er, Christopher J. Ozazewski, Bill Eitze, Kirk Jay, Ashby D. Shanks and Steve Nuetzel; Scott Lanham,<br />
<strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Nancy Eshmont<br />
Not Pictured: <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> Neal Abravanel, Robert Greenwald, Patrick Haskins, Stephen Holland, Robert Hopkins and Elizabeth Plunkett<br />
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WELLS FARGO ADVISORS<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
What’s It Like to Be with Wells Fargo Advisors?<br />
usiness<br />
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for us it’s a commitment. It’s about honoring our relationship with you<br />
and being fully invested in your success. It’s about being with you every step of<br />
the way — through every life event, every stage of the investment planning process,<br />
every triumph and every challenge. Our commitment to you will not change. That’s<br />
what it means to be with Wells Fargo Advisors. So, who are you with?<br />
To talk with a fi nancial advisor about getting started with your own personalized<br />
investment plan, call one of our local offi ces.<br />
“Congratulations to our <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong>.” — Scott Lanham, Market<br />
Manager.<br />
escendo Business Services<br />
Annapolis, MD 21401 • (410) 224-0020 | <strong>Baltimore</strong>, MD 21201 • (410) 727-8400<br />
Bel Air, MD 21014 • (410) 638-0404 • (410) 638-9333<br />
Bethesda, MD 20814 • (301) 961-0100 | Columbia, MD 21044 • (410) 715-5000<br />
Hunt Valley, MD 21031 • (410) 329-1490 | Lutherville, MD 21093 • (410) 494-6800<br />
Towson, MD 21204 • (410) 828-2400<br />
Wells Fargo Advisors, LLC: The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample<br />
of all, of the experiences of the adviser’s clients. The rating is not indicative of the adviser’s future performance. See the announcement page for more<br />
information on how the <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> are chosen. Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a<br />
separate non-bank affiliate of Wells Fargo & Company. [CAR 1210-1891 12/16/10].<br />
Crescendo Business Servic<br />
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ACADEMY FINANCIAL ADVISORS<br />
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Serving Our Clients First, Last and Always<br />
• Comprehensive financial and retirement planning solutions<br />
• Proactive investment and risk management services<br />
• Tax and estate planning strategies<br />
foundation of Academy Financial is our unique, proprietary,<br />
financial planning process. Our advisors utilize sophisticated tools<br />
and provide a fully integrated approach to identifying solutions to produce<br />
a customized financial plan. Through our financial planning process, we<br />
evaluate all aspects of a client’s financial life. We look at the full picture and<br />
develop a personalized plan that includes cash flow analysis, investment<br />
management, retirement and estate planning needs. Intellectual capital is<br />
1300 York Road • Lutherville, MD 21093<br />
Phone : (410) 825-0781<br />
www.academyfinancialinc.com<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
Left to right: Stan Rodbell, Brent Kvech, <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Joe Barger, Mike McFeeley, Harry Horn and Mike Leonard (George Buckless not pictured)<br />
Areas of Focus: Pre-retirement planning, retirement income distribution and estate planning<br />
Designations: CFP®, ChFC®, CLU®, CRPC®, CSA, CASL®, CLTC<br />
escendo Business Services<br />
a strength at Academy Financial. Our team of professional advisors has<br />
an average experience of more than 20 years and all have various financial<br />
and retirement planning degrees and designations. In addition, Academy<br />
Financial is supported by a committed, highly experienced administrative<br />
staff and an internal planning department that also has advanced financial<br />
planning designations.<br />
Crescendo Business Servic<br />
Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer and registered investment advisor.<br />
Insurance offered through Lincoln affiliates and other fine companies.<br />
Crescendo Business Se<br />
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AKERS FINANCIAL GROUP<br />
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<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
Innovative, Versatile and Personalized Financial Services<br />
One Client at a Time<br />
• Customized life transition planning services — encompassing all stages of life<br />
• Uniquely personalized approach with ongoing portfolio reviews and communication<br />
• 23 years of financial services industry experience serving the <strong>Baltimore</strong> area<br />
A. Akers founded Akers Financial Group, a provider of customized<br />
investment and wealth management services, with a vision to bring<br />
to his clients the versatility, expertise and personalization for proven<br />
investment success. Brian, along with his team of seasoned professionals,<br />
gives each client personal attention to effectively plan and strategize their<br />
investment with a unique and personalized approach.<br />
Brian and the Akers team pride themselves on building long-term<br />
Left to right: Jeff ery L. Akers, <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Brian A. Akers<br />
Areas of Focus: Financial Planning, Retirement Planning and Rollover, IRA, Roth IRA and 401(k), Portfolio Management, Insurance Services<br />
Designation: CERTIFIED FINANCIAL PLANNER practitioner<br />
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relationships based upon trust and communication. Their clients’ needs<br />
and interests are their first and foremost concern. Upholding a strong ethical<br />
culture, they incorporate an obligation to develop the best financial plan<br />
possible for a successful, lifelong partnership. As the leading advisor, Brian<br />
is a highly sought after industry speaker on personal investment topics. Visit<br />
us online to learn more about upcoming speaking engagements and to begin<br />
building your portfolio today.<br />
Crescendo Business Servic<br />
3739 Federal Hill Road, Suite 120 • Jarrettsville, MD 21084 | 1301 York Road, Suite 108 Heaver Plaza • Lutherville, MD 21093<br />
Phone : (410) 692-9870 • Toll-free : (866) 643-5377<br />
brian@akersfinancial.com • www.akersfinancial.com<br />
Securities offered through Kalos Capital, Inc. and Investment Advisory Services offered through Kalos Management, Inc., both at 3780 Mansell Rd., Suite 150, Alpharetta, GA 30022,<br />
(678) 356-1100. Akers Financial Group, Inc. is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management, Inc.<br />
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CHAPIN DAVIS INVESTMENTS GROUP<br />
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Left to right: Bruce Alderman, Donna Levin, <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> Kevin Goodman and Charles Bailey<br />
Relationships Built on Trust, Not Transactions<br />
• Providing financial advice with attentive personal service to our clients<br />
• Asset management services utilizing diversified risk management strategies<br />
• A recent finalist for the 2010 Better Business Torch Awards<br />
Areas of Focus: Individual and retirement planning for both large and small clientèle<br />
Designations: Kevin Goodman, Managing Director and Municipal Bond Principal and Charles Bailey, Investment Advisor<br />
1952, Chapin Davis has established itself as an experienced<br />
financial services company in <strong>Baltimore</strong>, Maryland through personal<br />
relationships, trust and objectivity. Our representatives and advisors are<br />
extremely grateful to be part of a rewarding profession and ever mindful of<br />
the confidence that is placed in us. We welcome the opportunity to learn<br />
more about you and your planning needs.<br />
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Kevin R. Goodman, Director, Fixed Income Principal<br />
R. Bruce Alderman, President<br />
Donna Levin, Fixed Income Specialist<br />
Charles Bailey, Investment Advisor<br />
2 Village Square, Suite 200 • <strong>Baltimore</strong>, MD 21210<br />
Office: (443) 574-3741 • Office: (443) 573-3958<br />
KGoodman@ChapinDavis.com • www.ChapinDavis.com<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
escendo Business Services<br />
Crescendo Business Servic<br />
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A s<br />
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ERIC DECKER AND CHRIS OZAZEWSKI<br />
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<strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Eric Decker, Janet Desmond and <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Christopher Ozazewski<br />
Managing <strong>Wealth</strong> with the Integrity and Experience<br />
to Help Clients Realize Goals<br />
• Building relationships on a foundation of trust, integrity and mutual respect<br />
• Offering comprehensive wealth management solutions<br />
• Committed to guiding clients through every life event<br />
advisors, we are committed to giving our clients the advice and<br />
service to help them achieve their financial goals. We know that in<br />
order to create lasting relationships, we must do more than just manage<br />
assets. We must also act in an advisory capacity, where ongoing education<br />
and communication are integral parts of the advisor-client commitment.<br />
For The Ozazewski/Decker Group of Wells Fargo Advisors, we take great<br />
pride in the relationships we have with our clients. We are a relationship-<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
Areas of Focus: Investments, Insurance, Comprehensive Investment and <strong>Wealth</strong> Management, Estate and Succession Planning<br />
Chris Ozazewski, CERTIFIED FINANCIAL PLANNER, Chartered Retirement Plan Specialist; Eric Decker, AAMS, Financial Advisor<br />
escendo Business Services<br />
driven investment group that focuses on delivering personalized service that<br />
surpasses client expectations and is characterized by responsive, friendly<br />
and reliable team members.<br />
We are committed to guiding you through every life event — every<br />
challenge and every triumph. Take that first step, schedule a meeting so<br />
that, together, we can help preserve and grow your wealth.<br />
Crescendo Business Servic<br />
24 South Main Street • Bel Air, MD 21014<br />
Phone : (410) 399-8492 • Phone : (800) 324-4712<br />
chris.ozazewski@wellsfargoadvisors.com • eric.decker@wellsfargoadvisors.com • www.ozazewski-decker.wfadv.com<br />
The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the adviser’s clients. The rating is<br />
not indicative of the adviser’s future performance. See the announcement page for more information on how the <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> are chosen. Wells Fargo Advisors, LLC,<br />
Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. [1110-4013A 11/30/2010].<br />
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THE DYER KRONEBERGER GROUP<br />
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Our Primary Focus Is on Helping Clients<br />
Achieve Their Income Goals in Retirement<br />
• Understanding clients’ financial objectives<br />
• Developing smart, time-tested strategies<br />
• Implementing thoughtful and creative solutions<br />
Dyer Kroneberger Group was founded by Julius Westheimer.<br />
“Westy” was recognized as one of the most influential financial<br />
advisors in the mid-atlantic region. Although Westy has since passed, his<br />
investment philosophy still lives on with The Dyer Kroneberger Group. Our<br />
team consists of eight individuals with more than 100 years of combined<br />
Left to right: <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> Brian Kroneberger and Mark Dyer<br />
Our primary area of focus is on helping individuals achieve fi nancial security before and in retirement<br />
FS-14 / baltimoremagazine.net / FEBRUARY <strong>2011</strong><br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
escendo Business Services<br />
investment experience. We are dedicated to helping individuals, families<br />
and corporations meet their investment objectives. Mark has been advising<br />
individuals since 1975 and Brian since 1991. Brian is currently a financial<br />
commentator for WBAL Radio and can be heard daily at 7:50 AM and every<br />
Saturday morning at 11 AM.<br />
Crescendo Business Servic<br />
201 International Circle • Hunt Valley, MD 21030<br />
Phone: (410) 785-6999<br />
brian.kroneberger@rbc.com • mark.dyer@rbc.com • www.dkgroup-rbc.com<br />
RBC <strong>Wealth</strong> Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.<br />
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C harles<br />
SPECIAL ADVERTISING SECTION<br />
CHARLES FREELAND<br />
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Left to right: <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Charles Freeland and Kimberly S. Freeland<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
Thank You to Our Clients. It Is an Honor to Be Selected.<br />
• Proudly celebrating 40 years of helping people with tax-advantaged investments<br />
• Limited number of clients to ensure personalized service that meets unique needs<br />
• Estate and income tax focused financial strategies to create and preserve wealth<br />
Areas of Focus: Taxation Specialist Focusing on Tax Compliance and Tax-Advantaged Investment Strategies<br />
Designations: Attorney and Certifi ed Public Accountant<br />
escendo Business Services<br />
Freeland is an attorney and Certified Public Accountant who<br />
has served the taxation and wealth management needs of individuals<br />
and corporations primarily in the <strong>Baltimore</strong> and Washington area for more<br />
than 40 years. He began helping clients make smart financial decisions after<br />
beginning his career as a financial executive and consultant for international<br />
companies as an Assistant <strong>Baltimore</strong> City Solicitor and as an attorney in the<br />
Office of the Judge Advocate General of the U.S. Navy. Both he and daughter<br />
Kimberly have worked to develop long-term relationships and provide<br />
Charles Freeland, PC<br />
1300 York Road, Suite 180 • Lutherville, MD 21093<br />
Office : (410) 339-7907<br />
charlesfreeland@attorney-cpa.com<br />
Past performance does not guarantee future results. Your experiences may vary.<br />
superior service in the areas of taxes, estate planning, probate of estates;<br />
estate and income taxation and asset investment strategies. Charles is a<br />
member of the American Institute of CPAs, Maryland Association of CPAs,<br />
American Association of Attorneys and CPAs, American Bar Association and<br />
Maryland Bar Association. He has served on the Federal Taxation Committee<br />
of the MACPA and Tax Committee of the ABA. He enjoys serving clients with<br />
his daughter who is licensed to practice in Maryland and Illinois. Kimberly’s<br />
area of practice includes real estate, contracts and litigation.<br />
Crescendo Business Servic<br />
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TONY FUSCO<br />
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Building Long-Term Relationships Based on Trust,<br />
Experience and Exceptional Service<br />
• Independent, objective advice coupled with unbiased investment research<br />
• Active, ongoing portfolio review and monitoring of investment performance<br />
• Customized, personal service and investment strategies designed to meet your needs<br />
Areas of Focus: <strong>Wealth</strong> Planning, Estate, Elder Care and Retirement Planning, Tax Planning, Investment Management<br />
Our associates represent more than 110 collective years of wealth management experience<br />
25 years, Fusco Financial Associates, a comprehensive financial<br />
services firm, has built solid client relationships using a personalized<br />
approach to pursuing financial security. We are committed to a thorough<br />
understanding of each client’s individual goals and needs so they can build<br />
or protect their wealth and pass on a legacy to their families and charities. In<br />
today’s financial landscape, managing your portfolio is a responsibility that<br />
<strong>Wealth</strong> Management<br />
505 <strong>Baltimore</strong> Avenue • Towson, MD 21204<br />
Office : (410) 296-5400 • Toll-free : (800) 810-6650<br />
info@fuscofinancial.com • www.fuscofinancial.com<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
escendo Business Services<br />
should not be taken lightly. That’s why Fusco Financial performs unbiased<br />
independent research. We then develop customized investment strategies<br />
supported by active ongoing portfolio review and monitoring of investment<br />
performance. Every effort is made to meet or exceed client expectations with<br />
exceptional service, communication and client education. We are proud of<br />
the reputation we have built and the confidence our clients have placed in us.<br />
Crescendo Business Servic<br />
Fusco Financial Associates a Registered Investment Advisory Firm. Securities and Advisory services offered through LPL Financial. Member FINRA/SIPC.<br />
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P rior<br />
SPECIAL ADVERTISING SECTION<br />
MICHAEL J. HARTMAN<br />
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<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
Dedicated to Helping Clients Build and Preserve <strong>Wealth</strong><br />
• Comprehensive wealth management strategies and solutions<br />
• Relationships built on trust and sound advice<br />
• Proven record of providing exceptional personal service<br />
Areas of Focus: Investment Planning, Investment Management, Retirement Income Strategies, Insurance Planning<br />
Titles/Designations: First Vice President – Investments, CERTIFIED FINANCIAL PLANNER<br />
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to working one-on-one with clients as their financial advisor for<br />
the past 12 years, Mike worked in public accounting before receiving his<br />
MBA in Finance from the University of Notre Dame. His guiding philosophy<br />
is that all financial services should be looked at in the context of the client’s<br />
best interest. He believes that managing wealth begins with understanding<br />
the goals, objectives and concerns of an investor and then developing a<br />
written, comprehensive wealth management strategy that is monitored and<br />
proactively managed with changes in an investor’s life.<br />
Whether you are focused on accumulating wealth, protecting and<br />
preserving that wealth or distributing your wealth to heirs or charitable<br />
Wells Fargo Advisors, LLC<br />
organizations, Mike will apply his experience plus integrate the advice of<br />
outside tax and legal experts to help simplify the most complex financial<br />
situations and free you to enjoy your life more fully.<br />
Mike has developed a successful practice emphasizing long-term client<br />
relationships built on a foundation of ethics, respect, trust and quality<br />
personal service. He strives to provide sound, unbiased advice, which is<br />
communicated regularly. His ultimate objective is to assist you in making<br />
educated, sensible investment decisions and provide clear, concise solutions<br />
to fulfill both immediate and long-term financial goals.<br />
Crescendo Business Servic<br />
210 West Pennsylvania Avenue, Suite 100 • Towson, MD 21204<br />
Direct: (410) 828-2449 • Toll-free: (866) 905-0355, Ext. 2449<br />
michael.hartman@wfadvisors.com • www.mhartman.wfadv.com<br />
The rating may not be representative of any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the advisor’s clients. The rating is not<br />
indicative of the advisor’s future performance. See the announcement page for more information on how the <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> are chosen. Wells Fargo Advisors, LLC, Member<br />
SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. [CAR 1110-2273 12/15/10].<br />
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HERGENROEDER FINANCIAL TEAM<br />
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Independent, Prudent and Proactive Advice with the<br />
Knowledge, Experience and Credentials to Back It Up<br />
• Personalized, goal-based, comprehensive financial planning<br />
• Investment management designed to preserve and enhance wealth<br />
• Client relationships that develop into lifelong partnerships based on solid advice<br />
term “wealth” means more today than it ever has. True wealth represents<br />
more than just money. It symbolizes happiness in relationships, fulfilling<br />
one’s dreams and the feeling of overall financial security.<br />
The Hergenroeder Financial Team understands the importance of<br />
managing wealth and helping clients reach their full potential. We specialize<br />
Towson, MD 21286<br />
Phone : (410) 769-8262<br />
www.hfainc.net<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
Left to right: Donald Burke, Roxanne Marshall, <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> Ryan Appleby, Rebecca Hergenroeder and Lisa Hergenroeder<br />
Areas of Focus: Comprehensive wealth management and planning, retirement rollovers, insurance and trust services, business planning<br />
Designations: CFP®, EA, AIF®, ChFC®, CLU®, REBC®, MSFS, CFA®, CPA<br />
escendo Business Services<br />
in comprehensive wealth planning and management.<br />
Our boutique of services allows us to cater to and anticipate your needs,<br />
essentially becoming your personal financial concierge. Whether it is your<br />
desire to leave an estate to heirs or simply provide for your own retirement,<br />
let us help you maximize your true wealth.<br />
Crescendo Business Servic<br />
LPL Financial Representatives offer access to Trust Services through The Private Trust Company, N.A., an affiliate of LPL Financial. Securities offered through LPL Financial —<br />
Member FINRA/SIPC. Investing involves risk including possible loss of principal. Financial planning is offered through Hergenroeder Financial Advisors, Inc.<br />
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K issinger<br />
SPECIAL ADVERTISING SECTION<br />
KISSINGER FINANCIAL SERVICES TEAM<br />
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We Build Sound Financial Futures®<br />
• To grow, protect and preserve your assets with the highest level of personal care<br />
• The client will always be respected and offered unlimited personal communication<br />
• Offering two generations of excellence in creating financial independence<br />
Financial Services was founded in 1982 by Bill Kissinger. Today<br />
Kissinger Financial Services offers the very same personal attention as<br />
it did in the beginning by getting to know each and every client and helping<br />
them realize their financial goals. Our personal communications are based<br />
on sincerity and honesty. The strategies we create are customized and based<br />
solely on the individuality of each client’s goals and circumstances. We are<br />
Left to right: <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Ned Kissinger and Bill Kissinger<br />
To provide the highest quality of fi nancial advisory services in the nation for our clients<br />
Bill Kissinger, CFP®, CPA/PFS and Ned Kissinger, CFP®, ChFEBC, CFEd®<br />
10155 York Road, Suite 105 • Hunt Valley, MD 21030<br />
Office : (410) 252-3400 • Toll-free: (800) 653-3414<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
escendo Business Services<br />
committed to develop your financial future. At no time do we replace your<br />
legal and tax advisors; rather, we work closely with them to provide a fully<br />
coordinated financial plan. In these times of economic concerns, Kissinger<br />
Financial Services offers a sense of security by bringing structured financial<br />
stability into the lives of those we serve.<br />
Crescendo Business Servic<br />
bill_k@kissingernet.com • ned_k@kissingernet.com • www.kissingernet.com<br />
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<br />
qualified tax and/or legal advisor regarding the best options for your particular circumstances.<br />
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JOHN MACON<br />
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Building Long-Term Financial Advisory<br />
Relationships through Experience and Trust<br />
Macon has been helping clients each step of the way by his<br />
consultative approach to the financial planning process. By including<br />
input from the client’s CPA and estate planning attorney, John creates a<br />
functional financial plan and investment policy that ensures the client has a<br />
wealth management team providing independent, objective fee-based advice.<br />
To grow and preserve assets in today’s globally-linked economies John<br />
utilizes the investment management research of the Morgan Stanley Smith<br />
Left to right: <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager John Macon and Dot Walter<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
• CERTIFIED FINANCIAL PLANNER since 1991 and Senior Investment Management Consultant<br />
• Advisor to individuals, families, business owners and qualified plan sponsors for 27 years<br />
• John Macon, along with Registered Associate, Dot Walter, design client-focused strategies<br />
Areas of Focus: Comprehensive multigenerational fi nancial planning; focusing on investment management, retirement income<br />
generation and trust and estate planning<br />
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2330 West Joppa Road, Suite 255 • Lutherville, MD 21093<br />
Phone: (410) 494-8093 • Toll-free: (800) 662-2576<br />
john.a.macon@mssb.com<br />
© <strong>2011</strong> Morgan Stanley Smith Barney LLC. Member SIPC.<br />
Barney Consulting Group. Their written research reports assess the people,<br />
process and performance of many investment organizations. John uses their<br />
analyses to make timely asset allocation changes to client portfolios.<br />
During life’s inevitable changes, it is comforting to have a loyal financial<br />
advisor who understands your needs. John is committed to each client’s<br />
success and is honored by this recognition.<br />
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©<strong>2011</strong> Crescendo Business Services
• Act out of fiduciary standard<br />
• Independent, fee-only management<br />
• Emphasis on high client satisfaction<br />
V SM<br />
SPECIAL ADVERTISING SECTION<br />
ROBERT F. MEWSHAW<br />
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Creating <strong>Wealth</strong> by Managing Risk<br />
is a registered investment advisor established in 1992 under the<br />
leadership of President and Chief Investment Officer Robert F. Mewshaw,<br />
to provide individuals, businesses, retirement plans and trusts with professional<br />
investment services. Mr. Mewshaw has 30 years of experience as an investment<br />
professional. VSM is an independent, fee-only investment advisor, disclosing all<br />
fees fully to our clients. They accept no monetary or other compensation from<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
Left to right: Pamela Mewshaw, Sara Bowser, Rob Mewshaw, <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Robert Mewshaw, Alex Barron, Bryan Thaler and Rick Faby<br />
Areas of Focus: Portfolio Management, Retirement Planning, Trust Services<br />
Titles: President, Chief Investment Offi cer<br />
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anyone except their clients. They maintain no custody of client assets at any<br />
time (custody services provided by Charles Schwab Inc.). They believe that the<br />
key to achieving superior long-term investment returns begins with the ability<br />
to correctly identify and manage risk. The objective is protection and growth<br />
of your assets through management of risk. Recognition of risk is fundamental.<br />
Management of risk is essential.<br />
Van Sant & Mewshaw, Inc. Registered Investment Advisor<br />
2330 West Joppa Road, Suite 201 • Lutherville, MD 21093<br />
Office : (410) 825-8844<br />
www. vs-m.com<br />
Crescendo Business Servic<br />
Federal and state law requires that Registered Investment Advisors are held to a Fiduciary Standard. This law requires that an advisor act solely in the best interest of the client, even if<br />
that interest is in conflict with the advisor’s financial interest. Registered Investment Advisors must disclose any conflict, or potential conflict, to the client prior to and throughout a<br />
business engagement. Investment Advisors must adopt a Code of Ethics and fully disclose how they are compensated. ADV provided upon request.<br />
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SPECIAL ADVERTISING SECTION<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
PINSON WEALTH MANAGEMENT GROUP<br />
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Distinctly Positioned with Access to Extensive Resources<br />
Delivered on a Local and Personal Basis<br />
• Experienced investment management for individuals, families, retirees, business owners, professionals<br />
• Providing a comprehensive, holistic and objective approach to total wealth management<br />
• Analysis-based approach to integrated financial strategies<br />
Integrated fi nancial analysis, fee-based investment strategies, accumulation and retirement distribution strategies, planning for business owners<br />
CERTIFIED FINANCIAL PLANNER, Registered Financial Consultant, Chartered Life Underwriter, Life Underwriter Training Council Fellow<br />
of the undertaking, solutions are fundamentally the result<br />
of meticulous planning and rarely the result of impulse. Instead they<br />
are likely a product of data being analyzed, understood and combined in an<br />
efficient, synergistic manner. Since 1974, across two industries, the goal has<br />
always been to focus on assisting clients in achieving their personal vision of<br />
success. Applying a team approach, we offer open-architecture, non-proprietary<br />
investment strategies using world-class investment firms and diversified<br />
allocation strategies. Combined with approaches for the protection of assets<br />
<strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Howard Pinson<br />
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and income, the goal is to capitalize on the use of an integrated asset base.<br />
We provide strategies for protection and wealth accumulation during<br />
working years; security and independence during retirement and the efficient<br />
transfer of assets when wealth is passed to future generations.<br />
Howard has spoken to or taught courses to employees of; The Johns Hopkins<br />
University Applied Physics Laboratory, Carefirst, Northrup Grumman, The<br />
Smithsonian, GSA, CCBC Adult Education and the American Federation<br />
of Teachers.<br />
Crescendo Business Servic<br />
1700 Reisterstown Road, Suite 207 • <strong>Baltimore</strong>, MD 21208 • Phone: (410) 580-1212<br />
howard.pinson@axa-advisors.com • www.pinsonfinancial.com<br />
Howard Pinson offers securities and investment advisory services through AXA Advisors, LLC (212-314-4600), member FINRA/SIPC and offers annuity and insurance products offered<br />
through AXA Network, LLC and its insurance agency subsidiaries. Pinson <strong>Wealth</strong> Management is not a Registered Investment Advisor and is not owned or operated by AXA Advisors or AXA<br />
Network. The rating does not represent any one client’s experience because the rating reflects an average of all, or a sample of all, of the experiences of the professional’s clients. The rating is<br />
not an indication of the professional’s future performance. Please see the Research Declarations for more information. AGE 59772 (12/10).<br />
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©<strong>2011</strong> Crescendo Business Services
T hank<br />
SPECIAL ADVERTISING SECTION<br />
THE RIES FINANCIAL GROUP<br />
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Left to right: Daniel G. Wright, Jennifer L. Snyder, Heather L. Dardamanis, <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Joseph E. Ries IV<br />
you. You have our gratitude for this recognition and our<br />
commitment to continue to secure your satisfaction. At Ries Financial<br />
Group we believe in integrity, which we define as doing what’s right even<br />
when no one is looking. This time, we are happy that you were looking.<br />
Being selected for this award is an honor because it is from our clients (our<br />
friends). By treating others the way that we want to be treated, we continue<br />
We Can Help<br />
• Afraid you could outlive your money? We can help.<br />
• Can’t find independent advice? We can help.<br />
• Tired of Wall Street and Washington and want someone to listen to you? We can help.<br />
115 A North Main Street • Bel Air, MD 21014<br />
Toll-free : (866) 578-1783 • Direct : (410) 809-6701<br />
joseph.ries@stifel.com • www.RiesFinancialGroup.com<br />
Stifel, Nicolaus & Company, Incorporated<br />
Member NYSE/SIPC.<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
Areas of Focus: Investments, Financial Planning, Estate Planning, Retirement Planning, Education Planning and Insurance<br />
Designations: CERTIFIED FINANCIAL PLANNER professional, Chartered Financial Consultant®, Chartered Advisor in Philanthropy®<br />
escendo Business Services<br />
building relationships in uncertain times. We know that you cherish honest,<br />
independent advice centered on you and your family. Earning your trust<br />
restores our belief that if you do the right thing, you will be successful.<br />
We look forward to continuing to serve our clients and our community.<br />
Thank you again.<br />
Crescendo Business Servic<br />
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THE ROSENWALD TEAM<br />
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Left to right: <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong> Matthew D. Kunkel and Beth C. Rosenwald; Leksi Kovalerchik<br />
Thank You to All of Our Clients,<br />
Friends and Families for Your Continued Support<br />
• Managed income distribution strategies<br />
• Comprehensive wealth management solutions<br />
• Family legacy planning<br />
Designation: CERTIFIED FINANCIAL PLANNER practitioner, Senior Vice President, Branch Director, Financial Consultant<br />
Rosenwald Team is a multigenerational wealth management practice.<br />
Our holistic approach to wealth management planning encompasses all<br />
family affairs bringing together a variety of financial and wealth-focused<br />
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2800 Quarry Lake Drive, Suite 260 • <strong>Baltimore</strong>, MD 21209<br />
Phone: (410) 318-5074 • Toll-free: (866) 851-0550<br />
beth.rosenwald@rbc.com • www.therosenwaldteam.com<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
escendo Business Services<br />
tools to help you preserve and protect your family’s assets and your legacy.<br />
Our mission is to provide proactive guidance while serving our clients’ best<br />
interests in order to sustain family wealth.<br />
Crescendo Business Servic<br />
RBC <strong>Wealth</strong> Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.<br />
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T emenos<br />
SPECIAL ADVERTISING SECTION<br />
GEORGE L. TAYLOR<br />
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Left to right: Alexander G. Campbell, III and <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager George L. Taylor<br />
Noticeably Different in a Crowded Field<br />
Advisory is a different kind of financial services company. The<br />
CEO, George L. Taylor, CFP® and President, Alexander G. Campbell, III<br />
(Zandy), along with the company’s other principals spent a combined 80 years<br />
working for larger financial institutions. Tired of working to balance the often<br />
conflicting “best interest” of the institutions they represented and that of their<br />
clients, the Temenos Advisory team worked to build a new company with<br />
clarity of purpose — we strive to collectively focus each day, all day, on what is<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
Temenos: The inner sanctuary in ancient Greek temples — a place of safe keeping, shielded from the chaos of the external world.<br />
escendo Business Services<br />
singularly in the best interest of each of our clients. In doing so, we represent our<br />
clients in a variety of capacities. We are money managers, financial advisors,<br />
multigenerational wealth advisors and business and pension consultants for<br />
small to mid-sized business owners. Most importantly, we are stewards of<br />
our clients’ assets and financial future — a privileged responsibility we take<br />
seriously and protect in an ever-conscious manner.<br />
Crescendo Business Servic<br />
265 Chestnut Hill Road • Litchfield, CT 06759 | 1340 Smith Avenue, Suite 200 • <strong>Baltimore</strong>, MD 21209<br />
300 Main Street, Suite 201-C • St. Simons Island, GA 31522 | Phone: (888) 769-9149 • Fax: (800) 466-9603<br />
info@temenosadvisory.com • www.temenosadvisory.com<br />
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<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
KATHERINE BAYS ARMSTRONG<br />
Heritage Financial Consultants, LLC<br />
• Extensive experience<br />
• Uncompromising integrity<br />
• Responsive with strong interpersonal relationship skills<br />
<strong>Wealth</strong> Management, Retirement Planning, Estate/Asset Protection Strategies<br />
Designations: MBA, CFP®, CRPC®<br />
K athy<br />
WOODY DERRICKS<br />
Helping Navigate the Road to Financial Dreams<br />
• Local and independent financial services company<br />
• Trusted financial advice<br />
• Relaxed and professional atmosphere<br />
Areas of Focus: Retirement Income, LGBT, Eco/Socially-Friendly Investing<br />
A s<br />
an independent and local financial services company, Partnership <strong>Wealth</strong> Management<br />
offers unparalleled service to their clients. From the relaxing atmosphere of their office<br />
to the pleasantness of the staff, they want you to feel comfortable and valued as their client.<br />
Partnership <strong>Wealth</strong> Management helps their clients plan for the future through their<br />
customized financial planning strategies. Their advice helps clients to improve everything<br />
from their day-to-day finances to retirement planning; investment planning to estate strategies;<br />
and insurance to tax strategies.<br />
1819 Thames Street • <strong>Baltimore</strong>, MD 21231<br />
Phone : (410) 732-2633<br />
woody.derricks@lpl.com • partnershipwm.com<br />
Securities and Financial Planning offered through LPL Financial,<br />
a Registered Investment Advisor, Member FINRA/SIPC.<br />
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Armstrong (formerly Kathy Paal) and her team provide comprehensive financial<br />
planning to Baby Boomers, professionals and families in transition. Committed to the<br />
individual needs and priorities of her clients, Kathy delivers objective, straightforward strategies<br />
to help achieve their lifelong goals.<br />
Maryland’s Top 100 Women, 1997, 2005 and 2007 – The Daily Record.<br />
Maryland’s Top 100 Women Circle of Excellence, 2007 – The Daily Record.<br />
<strong>Baltimore</strong>’s Top 25 Women Entrepreneurs, 2008 – BRAVA, Smart CEO Magazine.<br />
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307 International Circle, Suite 390 • Hunt Valley, MD 21030<br />
Phone : (410) 771-5655<br />
katherine.armstrong@LFG.com • www.heritageconsultants.org<br />
Katherine Bays Armstrong is a registered representative of Lincoln Financial Advisors Corp. Securities and<br />
investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer and registered<br />
investment advisor. Insurance offered through Lincoln affiliates and other fine companies. CRN201012-2049002.<br />
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©<strong>2011</strong> Crescendo Business Services
SPECIAL ADVERTISING SECTION<br />
BENJAMIN J. DYCHALA, JR.<br />
Asset Management; Life Insurance; Estate Planning<br />
CFP®, CLU®, CPA, JD, LLM (Taxation)<br />
B JD<br />
FOUNDATION FINANCIAL ADVISORS<br />
Non-Proprietary Financial Services<br />
• Comprehensive, holistic financial planning and wealth management<br />
• Highly personalized services offered in an unbiased format<br />
• Extensively trained and experienced advisors and staff<br />
Areas of Focus: Financial, Estate, Retirement Planning; <strong>Wealth</strong> Mgt.; Tax Prep.<br />
Designations: CFP®, ChFC®, CLU®, EA<br />
W e<br />
are a registered investment advisor whose overriding mission is to remove conflicts of<br />
interest from the advisory relationship. Flexibility allows us to custom-tailor solutions<br />
to meet your financial goals under traditional, fee-based or fee-only relationship structures.<br />
Our practitioners average more than twenty years of industry experience and work individually<br />
with our clients on a long-term basis to provide a foundation for your financial independence.<br />
At Foundation Financial Advisors, quality advice is our only product and client satisfaction<br />
our only goal.<br />
1190 Winterson Road, Suite 160 • Linthicum, MD 21090<br />
Phone : (410) 691-1100 • Toll-free : (800) 289-1584<br />
jbacci@ffai.net • www.ffai.net<br />
Securities offered through Commonwealth Financial Network, Member FINRA/SIPC.<br />
Foundation Financial Advisors, Inc. is a Registered Investment Adviser.<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
<strong>Wealth</strong> Management and Asset Preservation<br />
Financial Planning Group, Inc. is an independent financial services firm that focuses<br />
on clients whose primary goal is to be responsible financial stewards in order to maximize<br />
wealth transfers to future generations. Advising a limited number of clients who prefer to work<br />
with one advisor with a background in multiple disciplines, rather than a group of specialists.<br />
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BJD Financial Planning Group, Inc.<br />
575 South Charles Street, Suite 450 • <strong>Baltimore</strong>, MD 21201<br />
Phone : (410) 727-3123<br />
benjamin.dychala@multifin.com<br />
Securities and Investment Advisory Services offered through Multi-Financial Securities Corporation,<br />
Member FINRA/SIPC. BJD Financial Planning Group, Inc. is not affiliated with Multi-Financial<br />
Securities. See Section Article Page for disclosure on <strong>FIVE</strong> <strong>STAR</strong> Award methodology.<br />
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Left to right: John Holtzman, Robin Casto,<br />
Marianne Bacci and <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager John Bacci<br />
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WALTER D. HRAB<br />
Service • Wisdom • Integrity<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
• Personalized, comprehensive approach to financial planning<br />
• Advice for wealth accumulation and preservation<br />
• Help define your goals, develop your plan and track your progress<br />
Areas of Focus: Investments, Insurance, Distribution and Estate Planning Strategies<br />
Designations: AWMA®, CRPC®, AAMS®<br />
A s<br />
RICHARD K. JUERGENSEN<br />
True Financial Planning with a CFP® Practitioner<br />
• Help you define a clear financial direction<br />
• Feel prepared, even during changing market conditions<br />
• High-net-worth people tend to hire financial advisors<br />
Areas of Focus: Retirement planning and investment management<br />
Senior Financial Advisor, CERTIFIED FINANCIAL PLANNER practitioner, CRPC®<br />
am a financial advisor based in Hunt Valley, MD. I am a CERTIFIED FINANCIAL PLANNER<br />
practitioner and financial planning is my passion. Most people think all financial planners<br />
are “equal,” but this is not true. Many can call themselves a “financial planner.” Only those<br />
who have successfully completed the initial certification and ongoing requirements of the CFP<br />
Board can display the CFP® mark. I have 10 years of experience and I specialize in retirement<br />
planning and investment management.<br />
11350 McCormick Road, Executive Plaza 1, Suite 500 • Hunt Valley, MD 21031<br />
Phone : (410) 771-5522, Ext. 103<br />
richard.k.juergensen@ampf.com<br />
Juergensen & Associates, A financial advisory practice of Ameriprise Finsncial Services, Inc. Working<br />
with this financial advisor is not a guarantee of future financial success. Investors should conduct<br />
their own evaluation of a financial professional. Brokerage, investment and financial advisory<br />
services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC.<br />
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a financial advisor, I am passionate about helping my clients succeed. I help you develop<br />
a personalized financial plan and investment strategy to enable you to feel confident<br />
about your future. My clients are busy, successful people. I help them maintain their financial<br />
focus and simplify their busy lives while providing a financial plan tailored to their goals.<br />
Give me a call to talk and let me treat you to a cup of coffee at your favorite place.<br />
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10500 Little Patuxent, Suite 300 • Columbia, MD 21044<br />
Office : (410) 964-4928<br />
walter.d.hrab@ampf.com • www.ameripriseadvisors.com/walter.d.hrab<br />
Working with this financial advisor is not a guarantee of future financial success. Investors should conduct<br />
their own evaluation of a financial professional. Brokerage, investment and financial advisory services are<br />
made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and<br />
services may not be available in all jurisdictions or to all clients.<br />
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Left to right: <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Richard K. Juergensen<br />
and Jewell D. Juergensen<br />
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©<strong>2011</strong> Crescendo Business Services
SPECIAL ADVERTISING SECTION<br />
MARCY A. KELLY<br />
Tax and <strong>Wealth</strong> Management Services<br />
• <strong>Wealth</strong> management and investment advisory services<br />
• Tax, retirement and estate planning<br />
• Individuals and small businesses<br />
Designations: CPA, MBA, PFS, CFP®<br />
H elping<br />
JEFF KLAUENBERG<br />
Making Retirement Comfortable and Enjoyable<br />
• Independent, fee-based, comprehensive management of<br />
retirement needs<br />
• Actively managed risk-adjusted portfolio management<br />
Areas of Focus: Retirement, tax, estate planning and wealth management<br />
Designations: MA, RIS, CFP®, CPA/PFS<br />
S ince<br />
1983, Jeff Klauenberg’s firm has specialized in managing retirements. The retirement<br />
years are unique. The focus is on securing income needs, health needs, protecting assets<br />
and wealth transfer. Klauenberg Retirement Solutions is different. They “actively manage” for a<br />
successful retirement. Their tactical portfolio strategies focus on risk management during bad<br />
markets and attractive returns in good markets. There has never been a more important time<br />
to manage portfolio risk and income needs, nor a better time to put Klauenberg Retirement<br />
Solutions to work for you.<br />
14502 Greenview Drive, Suite 420 • Laurel, MD 20708<br />
Office : (301) 317-0401 • Toll-free : (877) 715-0400<br />
J eff@KlauenbergRetirementSolutions.com • www.KlauenbergRetirementSolutions.com<br />
Securities offered through Questar Capital Corporation (QCC), Member FINRA/SIPC. Advisory<br />
services offered through Questar Asset Management (QAM), A Registered Investment<br />
Advisor. Klauenberg Retirement Solutions is independent of QCC and QAM.<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
clients make informed financial decisions has been our priority for more than<br />
30 years. Focused on each client’s goals, we are committed to helping to achieve them.<br />
As a Certified Public Accounting firm, we consider the tax ramifications of every investment<br />
decision, from charitable giving to the transfer of wealth. As a result, estate and tax planning<br />
are an integral part of the plan.<br />
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1916 South Crain Highway, Suite 18 • Glen Burnie, MD 21061<br />
Phone: (410) 766-1122<br />
marcy@marcykelly.com • www.marcykelly.com<br />
Marcy Kelly is a Registered Representative of LaSalle St. Securities, LLC (LSS) and Investment Advisor Representative of<br />
LaSalle St. Investment Advisors, LLC (LSIA). LSS is affiliated with LSIA. Securities are offered through LSS, a member of<br />
FINRA & SIPC. 940 N Industrial Dr. Elmhurst, IL 60126-1131. Investing involves risks, including the risk of principal loss.<br />
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Left to right:<br />
Will Heil, <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Jeff Klauenberg<br />
and Sue Klauenberg<br />
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Left to right: Gary S. Melnick,<br />
<strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Brian T. Rosenbaum<br />
SPECIAL ADVERTISING SECTION<br />
PNC WEALTH MANAGEMENT TEAM<br />
Integrity, Vision and Expertise<br />
• Integrated wealth management solutions<br />
• Personalized service and expert advice<br />
• Company history of strength and stability<br />
Areas of Focus: Investment management, fi duciary services and wealth planning<br />
a world of constant change, it’s nice to know that some things have stayed the same — like hard<br />
work, adherence to values, community commitment and personalized attention. That’s what<br />
our clients find from the moment they meet any member of the PNC <strong>Wealth</strong> Management team.<br />
While advising clients with financial solutions in the areas of trust, investments, financial<br />
planning, credit and liquidity management, we also understand that building solid, long-term<br />
relationships with clients and their families is the cornerstone of the wealth management business.<br />
Two Hopkins Plaza • <strong>Baltimore</strong>, MD 21201<br />
Direct : (410) 237-5664 • Direct : (410) 237-5324<br />
w.fritz@pnc.com • kenneth.pittman@pnc.com<br />
The PNC Financial Services Group, Inc. (“PNC”) provides investment and wealth management, fiduciary services, FDIC-insured<br />
banking products and services and lending and borrowing of funds through its subsidiary, PNC Bank, National Association,<br />
which is a Member FDIC, and provides certain fiduciary and agency services through PNC Delaware Trust Company.<br />
Investments: Not FDIC Insured, No Bank or Federal Government Guarantee, May Lose Value.<br />
© <strong>2011</strong> The PNC Financial Services Group, Inc. All rights reserved.<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
MELNICK-ROSENBAUM GROUP<br />
Comprehensive Financial Planning<br />
• Building relationships based on trust, integrity and respect<br />
• Tactical strategies for wealth accumulation and distribution<br />
• Holistic approach to wealth and risk management<br />
W ith<br />
an emphasis on educating and empowering clients, Gary and Brian put their 40<br />
years of combined experience and passion to work by protecting and advising clients<br />
on their most critical insurance and investment programs. Growth, conservation of wealth<br />
and meeting their clients’ unique goals are why they are able to build long-lasting relationships<br />
centered on trust, integrity and mutual respect.<br />
usiness<br />
o Business Se<br />
endo Business Servic<br />
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307 International Circle, Suite 100 • Hunt Valley, MD 21030<br />
Office : (410) 821-2920, Ext. 206 • Toll-free : (800) 926-7366<br />
brosenbaum@htk.com • www.capitalfinancialmaryland.com<br />
Registered Representative of and Securities and Investment Advisory Services offered through Hornor,<br />
Townsend, Kent, Inc., Registered Investment Advisor, Member FINRA/SIPC. Capital Financial Benefit Solutions,<br />
LLC and Melnick-Rosenbaum Melnick Group are Independent of Hornor, Townsend Kent, Inc. A0JC-1213-20.<br />
escendo Business Services<br />
Crescendo Business Servic<br />
Left to right: <strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> <strong>Managers</strong><br />
Bill Fritz and Ken Pittman<br />
scendo Business<br />
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Crescendo Business Se<br />
©<strong>2011</strong> Crescendo Business Services
SPECIAL ADVERTISING SECTION<br />
F or<br />
SHERRY A. SAUCERMAN<br />
Solid Solutions from a Trusted Advisor<br />
• Client-focused, exceptional service, customized strategies<br />
• Financial planning, estate strategies and risk management<br />
• Advisory services, investment management, retirement planning<br />
Areas of Focus: Comprehensive Planning, 401(k)/IRA Rollovers, Asset Allocation<br />
Designations: Certifi ed Retirement Planning Counselor, CRPC®<br />
A s<br />
a Financial Advisor, Sherry offers her clients more than 25 years of investment experience.<br />
She uses this experience to assist clients in achieving their specific financial goals. She works<br />
collaboratively with clients to assess their financial situation, determine risk tolerance, goals and<br />
objectives. She then forms an investment plan and executes the plan, while obtaining measurable<br />
results. Sherry’s goal is to help clients build and preserve wealth during their lifetime and plan the<br />
most tax-efficient transfer of that wealth to their chosen beneficiaries.<br />
SunTrust Investment Services, Inc.<br />
2350 Solomons Island Road • Annapolis, MD 21401<br />
Office : (410) 224-6262 • Toll-free : (800) 325-1819<br />
sherry.saucerman@suntrust.com<br />
Securities and Insurance Products and Services: Are not FDIC or any other<br />
Government Agency Insured · Are not Bank Guaranteed · May Lose Value<br />
Securities, insurance (including annuities and certain life insurance products) and other investment<br />
products and services are offered by SunTrust Investment Services, Inc., a SEC registered investment<br />
adviser and broker/dealer affiliate of SunTrust Banks, Inc., and a member of the FINRA and SIPC.<br />
SunTrust Bank and its affiliates and the directors, officers, employees and agents of SunTrust Bank and<br />
its affiliates (collectively, “SunTrust”) are not permitted to give legal or tax advice. Clients of SunTrust<br />
should consult with their legal and tax advisors prior to entering into any financial transaction.<br />
NILOS T. SAKELLARIOU<br />
Client-Focused Investment Strategies<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
• Highly individualized service and unwavering attention<br />
• We avoid the generic paint-by-numbers strategies<br />
• We understand both your investment goals and your lifestyle<br />
Areas of Focus: <strong>Wealth</strong> Management, Tax and Estate Planning<br />
Designations: B.A., Graduated with Honors in Economics — 1987, CFM — 1996<br />
more than 20 years, I have had the privilege of helping high-net-worth individuals and<br />
prominent families achieve their desired goals, preserve their wealth and build lasting<br />
legacies for their future generations and loved ones. My careful guidance is provided in a<br />
personal and always customized fashion. The private portfolios I oversee generally contain a<br />
blend of AAA Rated Bonds, High Yield Corporate Bonds, Global Equities and for clients who<br />
qualify, Hedge Funds, Commodities and Private Equity funds. I believe there is no such thing<br />
as a perfect investment; however, for every client there is a perfect portfolio. It would be an<br />
honor to meet and privately discuss how my unique approach may benefit you and your family.<br />
usiness<br />
o Business Se<br />
endo Business Servic<br />
58 Cornhill Street • Annapolis, MD 21401<br />
Direct : (410) 263-1313 • Office : (443) 926-9226<br />
nsakellariou@ntsbearing.com • www.ntsbearing.com<br />
Affiliated with and all securities offered through Glen Eagle Advisors, LLC. Member FINRA & SIPC.<br />
escendo Business Services<br />
Crescendo Business Servic<br />
Crescendo Business Se<br />
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Left to right: Simon Siony, Eric Parnes,<br />
<strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Joseph Parnes<br />
SPECIAL ADVERTISING SECTION<br />
THE ZOLET LENET GROUP AT MORGAN STANLEY SMITH BARNEY<br />
Multigenerational <strong>Wealth</strong> Management Team<br />
• Morry A. Zolet and Gary R. Lenet, Barron’s Top 1000 Advisors 2009<br />
• Family <strong>Wealth</strong> Directors — a designated elite group within MSSB<br />
• Members of MSSB’s Business Owner Executive Council<br />
Area of Focus: Retirement Income Planning Using Liability-Driven Investing<br />
Designations: CFP®, CRPS, Portfolio Manager, Sr. VP – Family <strong>Wealth</strong> Director<br />
T he<br />
Zolet Lenet Group is proud to recognize our partner Morry A. Zolet as a <strong>FIVE</strong> <strong>STAR</strong><br />
<strong>Wealth</strong> Manager. We are committed to serving the needs of our clients by helping them<br />
preserve and create wealth and assisting them in turning their goals into reality. As consultants<br />
we utilize our vast resources to develop a customized investment program tailored to help meet<br />
each individual’s needs and desires. As our relationship builds over time, we will be able to<br />
anticipate changing circumstances and advise on appropriate investment strategies. We deliver<br />
this service with the highest standards of integrity and with devotion to our clients’ needs. With<br />
a combined industry experience of more than 100 years, we are collectively focused on the client<br />
as the complete financial advisor.<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
TECHNOMART INVESTMENT ADVISORS TEAM<br />
F ounded<br />
2330 West Joppa Road, Suite 255 • Lutherville, MD 21093<br />
Direct : (410) 583-4844 • Toll-free : (800) 662-2576<br />
morry.a.zolet@mssb.com • www.fa.smithbarney.com/zoletlenetgroupsb<br />
© <strong>2011</strong> Morgan Stanley Smith Barney LLC. Member SIPC.<br />
Independent, Family-Operated, Highly Rated<br />
• Highly scalable, disciplined, long/short philosophy to the market<br />
• Recognized in Barron’s, Forbes, Bloomberg and CNBC<br />
• Separately managed, fee-based, brokerage held accounts<br />
Areas of Focus: Individuals, retirement, thrifts, trusts, institutions<br />
Designation: Registered Investment Advisors (RIA)<br />
in 1979, Technomart is currently recognized as one of the top investment<br />
advisories in the United States (<strong>Wealth</strong> Manager 2004-2010). Joseph Parnes is responsible<br />
for supplying the firm’s private and institutional clients with actionable investment advice with<br />
a special focus on growth companies and on long/short selling strategies. He is also editor of<br />
the Shortex Market Letter and is showcased in a broad array of media, including Bloomberg<br />
TV, CNBC, Forbes and Barron’s. He is joined by his son, Eric Parnes, and nephew Simon Siony.<br />
usiness<br />
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endo Business Servic<br />
FS-32 / baltimoremagazine.net / FEBRUARY <strong>2011</strong><br />
401 Washington Avenue, Suite 1101 • <strong>Baltimore</strong>, MD 21204<br />
Phone : (410) 828-6555 • Toll-free : (800) 877-6555<br />
info@technomartrga.com • www.technomartrga.com<br />
Past performance is no guarantee of future results. A risk of loss is involved with investing in stock markets.<br />
escendo Business Services<br />
Crescendo Business Servic<br />
Left to right: Seated: Gary R. Lenet and Joel T. Fink<br />
Standing: Ryan M. Lenet and<br />
<strong>FIVE</strong> <strong>STAR</strong> <strong>Wealth</strong> Manager Morry A. Zolet<br />
scendo Business<br />
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Crescendo Business Se<br />
©<strong>2011</strong> Crescendo Business Services
JEFFREY D.<br />
CARLSON<br />
Tailored Advice Centered Around You<br />
• Integrity, candor, leadership<br />
• My process is interactive and personal<br />
• I collaborate with your CPA and attorney<br />
Areas of Focus: Retirement, Investment and Estate Planning Strategies<br />
Designation: CERTIFIED FINANCIAL PLANNER practitioner<br />
A s<br />
10025 Governor Warfield Pkwy.,<br />
Ste. 209<br />
Columbia, MD 21044<br />
Phone: (410) 740-8000<br />
a Senior Financial Advisor I provide candid, insightful leadership<br />
to align clients with their goals and dreams in a customized<br />
manner. My proactive, intergenerational approach helps bring peace of<br />
mind and continuity to your life. For more information, please visit my<br />
website at ameripriseadvisors.com/jeffrey.d.carlson.<br />
Working with this financial advisor is not a guarantee of future financial success.<br />
Investors should conduct their own evaluation of a financial professional.<br />
Brokerage, investment and financial advisory services are made available through<br />
Ameriprise Financial Services, Inc., Member FINRA and SIPC.<br />
JOHN E.<br />
DAY<br />
Holistic <strong>Wealth</strong> Management Solutions<br />
• Dedication to unbiased financial advice<br />
• Independent and objective wealth management<br />
• Developing asset allocation strategy<br />
Areas of Focus: Investment Portfolio Analysis, Retirement/Estate Planning<br />
Designations: MBA, LUTCF<br />
A s<br />
DAY Financial Group, Inc.<br />
Columbia, MD 21046<br />
Office : (410) 290-1000<br />
john.day@lpl.com<br />
an independent wealth advisor, John is in the business of helping his<br />
clients meet all of their financial goals and challenges. He does this by using<br />
a total wealth management approach. Each area is important individually, but<br />
managing them all collectively is one of the most important considerations in your<br />
overall financial success. His approach can help you invest conservatively, reduce<br />
your exposure to taxes, meet your insurance needs and provide a plan based on<br />
your financial objectives to successfully transfer your wealth to your children and<br />
grandchildren. Providing unparalleled investment advice and services.<br />
Securities and advisory services offered through LPL Financial, a Registered Investment<br />
Advisor, Member FINRA/SIPC.<br />
SPECIAL ADVERTISING SECTION<br />
J oe<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
JOSEPH C.<br />
CIRELLI<br />
650 S Exeter St., Ste. 1100<br />
<strong>Baltimore</strong>, MD 21202<br />
Phone : (410) 736-5427<br />
joseph.c.cirelli@mssb.com<br />
Planning for Your Success<br />
usiness<br />
o Business Se<br />
endo Business Servic<br />
• Retirement income planning strategies<br />
• Disciplined investment management process<br />
• Charitable and estate transfer strategies<br />
CERTIFIED FINANCIAL PLANNER practitioner<br />
Vice President – Investment Management Consultant<br />
has been advising busy and successful corporate executives, business<br />
owners and professionals in <strong>Baltimore</strong> since 1993. His client-focused<br />
practice is rooted in the financial planning discipline of quantifying goals,<br />
evaluating resources, implementing and monitoring a plan. His clients<br />
enjoy peace of mind by having a customized plan and the knowledge that<br />
they have a trusted advisor with the education, the experience and the<br />
resources of Morgan Stanley Smith Barney on their side.<br />
© <strong>2011</strong> Morgan Stanley Smith Barney LLC. Member SIPC.<br />
DAMIAN<br />
GALLINA<br />
Buttonwood Financial<br />
Advisors<br />
5850 Waterloo Rd., Ste. 140<br />
Columbia, MD 21045<br />
Toll-free : (877) 660-6968<br />
buttonwoodfa.com<br />
escendo Business Services<br />
Thank You for Your Trust and Confidence<br />
• Financial planning made easy<br />
• Making sense of investments<br />
• Advice and guidance to last a lifetime<br />
Designation: Chartered Financial Analyst<br />
T o<br />
make your investments last a lifetime, you will have to make<br />
some choices. Buttonwood’s financial planning and investment<br />
management services will help strike an informed balance between the<br />
conflicting goals of safety and growth. By using fundamentally prudent<br />
investment methods, we make sense of the investment markets while<br />
we manage your assets. Thank you to all my clients who selected me for<br />
this special recognition of quality service.<br />
Crescendo Business Servic<br />
Crescendo Business Se<br />
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E dward<br />
CHIP<br />
HERRING<br />
11350 McCormick Rd.<br />
Executive Plaza 1, Ste. 500<br />
Hunt Valley, MD 21031<br />
Phone : (410) 771-5522, Ext. 101<br />
Complete Financial Success<br />
• Knowledgeable advice<br />
• Exceptional service<br />
• Dream > Plan > Track>®<br />
Areas of Focus: Comprehensive Financial Planning and Portfolio Management<br />
Designation: CRPC®<br />
L. Herring, Jr., Senior Financial Advisor and Ameriprise Platinum<br />
Financial Services Advisor, has more than 10 years of experience. He<br />
emphasizes a holistic approach to the financial planning process and is dedicated<br />
to creating comprehensive strategies to help you achieve your specific financial goals.<br />
He prides himself on being professional, caring, proactive, thorough and successful.<br />
Working with this financial advisor is not a guarantee of future financial success.<br />
Investors should conduct their own evaluation of a financial professional. Brokerage,<br />
investment and financial advisory services are made available through Ameriprise<br />
Financial Services, Inc., Member FINRA and SIPC.<br />
PETER<br />
MALLER<br />
Personal and <strong>Professional</strong> Caring Advice<br />
• We work exclusively with a high-net-worth clientele<br />
c onsisting of business owners, professionals, c orporate<br />
executives and families<br />
Areas of Focus: Investment, Insurance and Estate Planning<br />
Designations: MBA, CFP®<br />
P eter<br />
307 International Cir.<br />
Hunt Valley, MD 21208<br />
Phone : (410) 771-5660<br />
Peter.Maller@LFG.com<br />
is a partner at Heritage Financial Consultants, LLC and a financial<br />
planner with 19 years of experience. He was the No. 1 planner in<br />
2007 and 2009 leading the 7,700 affiliated advisors at Lincoln Financial<br />
Network. His team of 18 employees provides a professional, clientcentered<br />
practice with extraordinary service to every valued client.<br />
Peter D. Maller is a registered representative of Lincoln Financial Advisors Corp.<br />
Securities and investment advisory services offered through Lincoln Financial Advisors<br />
Corp., a broker/dealer (Member SIPC) and registered investment advisor. Insurance<br />
offered through Lincoln affiliates and other fine companies. CRN201011-2048045.<br />
SPECIAL ADVERTISING SECTION<br />
W orking<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
SCOTT M.<br />
LEVIN<br />
303 International Cir., Ste. 590<br />
Hunt Valley, MD 21030<br />
Office : (410) 527-1292, Ext. 231<br />
Levin_Scott@nlvmail.com<br />
Knowledge Makes the Difference<br />
usiness<br />
o Business Se<br />
endo Business Servic<br />
FS-34 / baltimoremagazine.net / FEBRUARY <strong>2011</strong><br />
• Work closely with clients and their other advisors<br />
• Custom-designed, innovative financial strategies<br />
• Uncover, address and prioritize concerns and goals<br />
Areas of Focus: Financial Strategies, Investment Mgmt., Exec Benefi ts<br />
Designation: CERTIFIED FINANCIAL PLANNER<br />
closely with his client and their other advisors, Scott<br />
is able to help create custom-designed, innovative financial<br />
strategies. Through his comprehensive process, he helps his clients<br />
uncover, address and prioritize their concerns and goals, ultimately<br />
leading to a desired destination.<br />
Scott M. Levin is a Registered Representative and an Investment Adviser<br />
Representative of, and offers securities and investment advisory services solely<br />
through, Equity Services, Inc., Member FINRA/SIPC, 303 International Circle, Suite<br />
590, Hunt Valley, MD 21030, 410-527-1292. Worthington Financial Partners is<br />
independent of Equity Services, Inc. TC60087(1210).<br />
W ith<br />
PETER<br />
MARSHALL<br />
<strong>Baltimore</strong>, MD<br />
Phone : (410) 563-1044<br />
pmarshall@marshallfinancialgroup.com<br />
www.marshallfinancialgroup.com<br />
escendo Business Services<br />
An Independent <strong>Wealth</strong> Advisor<br />
• Holistic approach to money management<br />
• Relationships built on trust and mutual respect<br />
• Commitment to your financial security<br />
Areas of Focus: Investment, Insurance, Income and Tax Planning<br />
Designations: President – <strong>Wealth</strong> Management, Registered Principal, RIA<br />
the ups and downs of today’s marketplace, you need a constant<br />
source of guidance that you can trust. Every financial decision involves<br />
a balance of risks, rewards and complexity. But that shouldn’t be the case<br />
when choosing a financial advisor. You deserve unfaltering ethical standards,<br />
straightforward communication and a partner committed to just one agenda<br />
— yours. That’s exactly what you can expect from us. We know that being<br />
confident in your financial decisions starts with being absolutely confident in us.<br />
Securities through Securities Service Network, Inc., member FINRA/SIPC.<br />
The Marshall Financial Group, LLC. A Registered Investment Advisor.<br />
Crescendo Business Servic<br />
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©<strong>2011</strong> Crescendo Business Services
I n<br />
ELADIO A.<br />
SANTIAGO<br />
6230 Old Dobbin Ln., Ste. 100<br />
Columbia, MD 21045<br />
Office : (443) 259-3041<br />
Eladio.a.santiago@mssb.com<br />
Investing that Changes with the World<br />
• Global, macroeconomic, research-driven investing<br />
• Risk management in an uncertain economy<br />
• Tactical investing designed to exploit opportunity<br />
Area of Focus: High-net-worth investors – $500,000 asset minimum<br />
Titles: First Vice President, Financial Advisor<br />
today’s fast-paced world, few people have the time or resources<br />
to dedicate to managing their investments — whether it involves<br />
researching global macroeconomic trends, reviewing company earnings<br />
projections or tracking industry and sector trends. As a financial<br />
advisor, I alert my clients to new and ever-changing opportunities<br />
and advise them on current market conditions that may affect their<br />
investments. It’s all part of my long-term commitment to my clients.<br />
© <strong>2011</strong> Morgan Stanley Smith Barney LLC. Member SIPC.<br />
MARK C.<br />
FUHR<br />
Metlife<br />
Gateway Capitol Financial<br />
3700 O’Donnell St., Ste. 200<br />
<strong>Baltimore</strong>, MD 21224<br />
Phone: (443) 957-6013<br />
mfuhr@metlife.com<br />
Focus: Individual Retirement<br />
Planning; 401(k) and IRA<br />
Rollovers; Mutual Fund<br />
seasoned professional with A 14 years in the financial<br />
industry and an additional<br />
16 years of diverse business<br />
experience. I am committed to<br />
providing customized strategies<br />
specific to my clients’ financial<br />
needs.<br />
Kenneally & Company<br />
660 Kenilworth Dr., Ste. 104<br />
Towson, MD 21204<br />
Office : (410) 321-9558<br />
jkenneally@jlkcpas.co m<br />
jlkcpas.com<br />
Designations: Certified Public<br />
Accountant, Masters in Taxation,<br />
Personal<br />
F<br />
Financial Specialist<br />
or more than 25 years, John<br />
has been helping individuals<br />
and businesses meet their<br />
financial goals and objectives<br />
by providing fee-only financial<br />
planning. “Independence,<br />
honesty and integrity are a<br />
priority in our firm.”<br />
SPECIAL ADVERTISING SECTION<br />
JOHN L.<br />
KENNEALLY<br />
BRIAN<br />
CREPEAU<br />
usiness<br />
o Business Se<br />
endo Business Servic<br />
25 S Charles St.<br />
<strong>Baltimore</strong>, MD 21201<br />
Phone : (410) 727-6600<br />
bcrepeau@rosenbergmar tin.com<br />
Titles: CPA, CFE, Esq.<br />
Brian J. Crepeau, Partner, is<br />
an attorney and CPA. Mr.<br />
Crepeau is particularly skilled<br />
in representing individuals and<br />
businesses with tax planning,<br />
business structuring, estate<br />
planning and tax controversy<br />
matters before the IRS and state<br />
taxing authorities.<br />
MATTHEW<br />
MANNING, II<br />
303 International Cir.<br />
Hunt Valley, MD 21030<br />
Phone: (410) 229-8217<br />
matt.manning@mssb.com<br />
Vice President<br />
Comprehensive wealth<br />
planning delivered through<br />
a full-service client platform to<br />
help provide a truly personalized<br />
experience. Your family, values<br />
and wealth are components of<br />
your life’s portfolio. Let’s plan it.<br />
© <strong>2011</strong> Morgan Stanley Smith Barney<br />
LLC. Member SIPC.<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
JAMES W.<br />
CURRAN, III<br />
2330 W Joppa Rd., Ste. 255<br />
Lutherville, MD 21093<br />
Direct : (410) 494-1874<br />
jim.curran@mssb.com<br />
Senior Vice President, Financial Advisor<br />
J ames<br />
Curran is a CERTIFIED<br />
FINANCIAL PLANNER who should<br />
be an important part of your core<br />
circle of family, friends and advisors,<br />
with an additional area of focus in<br />
special needs trusts.<br />
© <strong>2011</strong> Morgan Stanley Smith Barney<br />
LLC. Member SIPC.<br />
LEONARD J.<br />
MILLER<br />
escendo Business Services<br />
Leonard J. Miller &<br />
Associates, Chartered<br />
425 St. Paul Pl.<br />
<strong>Baltimore</strong>, MD 21202<br />
Phone : (410) 539-4600<br />
www.lenmiller.com<br />
Accounting, Business, Financial Plng.,<br />
Estate, Trust, Income Tax Services<br />
Designations:<br />
O<br />
CPA, MBA, CVA, PFS<br />
ur clients come to us for<br />
financial advice in this<br />
ever-increasing complex world<br />
of laws and regulations. Our<br />
clients stay with us because of<br />
the high-quality, creative, proactive,<br />
personalized solutions<br />
they receive.<br />
Crescendo Business Servic<br />
Crescendo Business Se<br />
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DONALD L.<br />
MOORE<br />
Chesapeake Financial<br />
Strategies, LLC<br />
7501 Greenway Ctr. Dr., Ste. 420<br />
Greenbelt, MD 20770<br />
Phone : (301) 474-8300<br />
www.chesapeakefinancial<br />
strategies.com<br />
Financial and Retirement Planning<br />
ODesignations: CLU®, ChFC®<br />
ur pledge to clients combines<br />
cutting-edge resources,<br />
independent investment advice and<br />
exemplary service to help them reach<br />
their wealth management goals.<br />
Securities and Investment Advisory Services<br />
offered through Capital Analysts Incorporated:<br />
Member FINRA, SIPC. Chesapeake Financial<br />
Strategies, LLC and Capital Analysts Incorporated<br />
are independent non-affiliated entities.<br />
B en<br />
BENJAMIN G.<br />
PROCTOR, III<br />
2330 W Joppa Rd.<br />
Lutherville, MD 21093<br />
Office: (410) 494-8097<br />
fa.smithbarney.com/benproctor<br />
CERTIFIED FINANCIAL PLANNER<br />
Proctor’s practice is focused<br />
on providing customized, goaloriented<br />
wealth management services<br />
to successful professionals, families<br />
and organizations. His emphasis<br />
is on long-term, multigeneration<br />
relationships with clients.<br />
© <strong>2011</strong> Morgan Stanley Smith Barney<br />
LLC. Member SIPC.<br />
Law Offices of<br />
Richard W. Moore<br />
2300 York Rd., Ste. 213<br />
Timonium, MD 21093<br />
Office : (410) 825-1790<br />
dick@moorelawyers.net<br />
MarylandEstatePlanners.com<br />
Estate and Business Planning<br />
I<br />
SPECIAL ADVERTISING SECTION<br />
RICHARD W.<br />
MOORE<br />
strive to know our clients’<br />
family dynamics, goals and<br />
business interests. Only then<br />
can I develop and implement<br />
a suitable plan that meets<br />
each client’s unique estate<br />
and business concerns<br />
and objectives.<br />
BERNARD<br />
RICHARDS<br />
3700 O’ Donnell St.<br />
<strong>Baltimore</strong>, MD 21224<br />
Direct : (443) 957-6177<br />
bwrichards@metlife.com<br />
Designation: CRPC®<br />
Since 2005, I have been<br />
successfully working with<br />
my clients to help them identify<br />
their financial goals and dreams<br />
and then by working with<br />
my team of highly educated<br />
advisors to achieve those goals<br />
and dreams.<br />
DAVID G.<br />
MUELLER<br />
Mueller and Company, LLC<br />
1015 S Main St.<br />
Bel Air, MD 21014<br />
Office : (410) 893-1901<br />
dgm@davemuellercpa.com<br />
www.davemuellercpa.com<br />
Individual and Business Taxation,<br />
Accounting and Planning<br />
DCPA, Registered Rep.<br />
avid has more than<br />
30 years of tax and<br />
accounting services experience.<br />
Our goal is to assist our clients<br />
in every aspect of their financial<br />
lives. Servicing individuals and<br />
a diverse spectrum of small<br />
business clients.<br />
usiness<br />
o Business Se<br />
endo Business Servic<br />
FS-36 / baltimoremagazine.net / FEBRUARY <strong>2011</strong><br />
THOMAS J.<br />
SCHETELICH<br />
Ferguson, Schetelich &<br />
Ballew, P.A.<br />
100 S Charles St., Ste. 1401<br />
<strong>Baltimore</strong>, MD 21201<br />
Phone : (410) 837-2200<br />
tschetelich@fsb-law.com<br />
Estate and tax plng., business<br />
plng., tax-exempt organizations,<br />
Ofamily and Medicaid issues<br />
ur “commitment to<br />
professional excellence”<br />
is evident in the quality of<br />
service and attention we give to<br />
our clients. You will find these<br />
qualities in everything we do,<br />
and in the people who comprise<br />
our firm.<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
MARK CHRISTIAN<br />
PALLACK<br />
1954 Greenspring Dr., Ste. 700<br />
Timonium, MD 21093<br />
Direct: (410) 938-8221<br />
Cell: (410) 302-5821<br />
Registered Representative<br />
W ealth<br />
gives people more<br />
choices and freedom<br />
in life. I aspire to help my<br />
clients live for today and plan<br />
for tomorrow. Crystalize<br />
your vision — plan — follow<br />
through. When was your last<br />
financial EKG?<br />
MALCOLM E.<br />
STEIGERWALD<br />
escendo Business Services<br />
303 International Cir.<br />
Hunt Valley, MD 21030<br />
Office : (410) 229-8200<br />
malcolm.e.steigerwald@mssb.com<br />
CRPS®, Financial Advisor<br />
Backed by the extensive<br />
resources of Morgan Stanley<br />
Smith Barney, The Steigerwald/<br />
Longanecker Group is committed<br />
to finding that unique combination<br />
of products and services that helps<br />
you meet your goals.<br />
© <strong>2011</strong> Morgan Stanley Smith Barney<br />
LLC. Member SIPC.<br />
Crescendo Business Servic<br />
scendo Business<br />
ndo Busin<br />
Bu<br />
Crescendo Business Se<br />
©<strong>2011</strong> Crescendo Business Services
J.W.<br />
THOMAS II<br />
180 Admiral Cochrane Dr., Ste. 550<br />
Annapolis, MD 21401<br />
Office: (443) 837-1071<br />
james.w.thomas@ampf.com<br />
Financial Advisor, CRPC®, AWMA<br />
Are you looking for a one-onone<br />
relationship that focuses<br />
on helping you grow, manage and<br />
protect your wealth? Call me today.<br />
Working with this financial advisor is not<br />
a guarantee of future financial success.<br />
Investors should conduct their own<br />
evaluation of a financial professional.<br />
Ameriprise Financial Services, Inc., Member<br />
FINRA and SIPC.<br />
I<br />
SPECIAL ADVERTISING SECTION<br />
JORDAN<br />
WEINBERG<br />
1425 Clarkview Rd.<br />
<strong>Baltimore</strong>, MD 21209<br />
Office : (443) 798-7878<br />
jordan@mystratafinan cial.com<br />
<strong>Wealth</strong> and Risk Management<br />
am committed to providing<br />
individuals, families and businesses<br />
with exceptional, personalized<br />
financial advice and services in an<br />
effort to guide them in fulfilling<br />
their needs, goals and dreams.<br />
Securities offered through Founders<br />
Financial Securities, LLC. Member<br />
FINRA, SIPC and RIA.<br />
B eau<br />
BEAU<br />
WILDER<br />
usiness<br />
o Business Se<br />
endo Business Servic<br />
125 West St., Ste. 201<br />
Annapolis, MD 21401<br />
Phone: (410) 972-3221<br />
carlos.b.wilder@mssb.com<br />
Title: Financial Advisor<br />
has been working in the<br />
investment industry more than<br />
15 years. He wants to thank his clients<br />
for helping him be successful. His<br />
passion is working one on one with<br />
clients and helping them understand<br />
their investment goals and needs.<br />
© <strong>2011</strong> Morgan Stanley Smith Barney<br />
LLC. Member SIPC.<br />
<strong>2011</strong><br />
<strong>FIVE</strong> <strong>STAR</strong><br />
WEALTH MANAGERS<br />
HOWARD M.<br />
WILNER<br />
Wilner & Scherr, P.A.<br />
1829 Reisterstown Rd., Ste. 420<br />
<strong>Baltimore</strong>, MD 21208<br />
Office: (410) 363-3424<br />
hwilner@wilnerscherr.com<br />
www.wilnerscherr.com<br />
Areas of Focus: <strong>Wealth</strong> Accumulation<br />
Strategies and Taxation<br />
WDesignation: CPA<br />
hile specializing in highnet-worth<br />
clientele for more<br />
than 25 years, Wilner & Scherr,<br />
P.A. offers an interdisciplinary<br />
planning approach. We coordinate<br />
strategies between our tax advisory<br />
and wealth management planning<br />
departments delivering creative<br />
solutions to client needs.<br />
escendo Business Services<br />
Crescendo Business Servic<br />
Crescendo Business Se<br />
www.fivestarprofessional.com | FS – 37 FEBRUARY <strong>2011</strong> / baltimoremagazine.net / 37<br />
scendo Business<br />
ndo Busin<br />
Bu
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