BWFA - Key Persons
Job Titles:
- Associate Tax Advisor With
Ann Garczynski is an Associate Tax Advisor with BWFA. She is a graduate of the University of Baltimore with a Bachelor's Degree in Business Administration and Accounting. She is a native of New York City and began her career as… Read More
Ann Garczynski is an Associate Tax Advisor with BWFA. She is a graduate of the University of Baltimore with a Bachelor's Degree in Business Administration and Accounting. She is a native of New York City and began her career as a legal secretary in Manhattan. After moving to Maryland, she worked at the law firm of Weinberg and Green in Baltimore while completing her degree. Her first job after graduation was in the tax department of Deloitte & Touche LLP in their Baltimore office. Ann and her husband reside in Taylorsville, Maryland.
Brandon joined BWFA in June 2023 as a Client Associate. He graduated cum laude from High Point University where he earned B.S.B.A in Finance from the Phillips School of Business.
During his undergraduate years, he was a part of their Division 1 Lacrosse Program, Student-Athlete Advisory Council, and Big Brothers/Big Sisters of America. In his free time, Brandon enjoys doing outdoor activities, fitness, and giving back to the community.
Brian MacMillan joined BWFA in May 2013 and is the Managing Director of Mergers and Acquisitions. He is a graduate of Salisbury University where he earned a Bachelor of Science degree in Business Administration. Brian attended the Management Development Program… Read More
Brian MacMillan joined BWFA in May 2013 and is the Managing Director of Mergers and Acquisitions. He is a graduate of Salisbury University where he earned a Bachelor of Science degree in Business Administration. Brian attended the Management Development Program at the University of Delaware College of Business & Economics and holds the Financial Recasting Consultant Designation from RWS Business Valuation Services. Brian serves on the board of the Maryland Chapter of Exit Planning Exchange.
Brian has been a consultant for buyers and sellers of privately held businesses for over 20 years. During this time, he has worked with publicly traded corporations, private equity firms, owners of small- and medium-sized privately held businesses, and high net-worth individuals. Previously, he had experience working for a Fortune 500 company and was involved in the successful start-up and sale of two businesses. Brian has multi-industry experience in business development, sales, marketing, finance, accounting, and operations.
Brian enjoys biking, golfing, traveling and spending time with his wife and two sons.
Brian joined BWFA in 2019 as a Tax Advisor. He is currently working to achieve his Enrolled Agent Certificate. He spent the previous 12 years working at BDO USA in a variety of roles, including the last 5 in the Core Tax Department with experience in both business and individual tax preparation.
Brian enjoys traveling, food, playing sports, and rooting for all of his hometown professional teams.
Job Titles:
- Certified Public Accountant
- Member of the Executive Management Team
- CFP®, M.Accy - Portfolio Manager and Financial Advisor, & Executive Manager
- CFP®, M.Accy / Financial Advisor, Senior Relationship Manager & Executive Manager
- Financial Advisor and Senior Relationship Manager
Chris is a Financial Advisor and Senior Relationship Manager whose expertise includes comprehensive financial planning and investment portfolio management and strategy. He is a member of the firm's Executive Management Committee, as well as the Investment Management Committee. Chris is… Read More
Chris is a Financial Advisor and Senior Relationship Manager whose expertise includes comprehensive financial planning and investment portfolio management and strategy. He is a member of the firm's Executive Management Committee, as well as the Investment Management Committee.
Chris is a Certified Public Accountant (CPA) and a CERTIFIED FINANCIAL PLANNER ® professional. He holds both a B.S. in Finance from the University of Maryland and a Master's degree in Accounting from George Washington University. Chris is fluent in investment management and portfolio design. He also assists clients with the implementation of their personal financial plans, investment tax strategies, and overall financial risk management. Chris takes great pride in maintaining a relationship based on trust, transparency, and accountability with each of his clients.
Chris has worked in the accounting and wealth management industry for over 20 years at regional, national and international level firms, and has been at BWFA since 2009.
Chris enjoys all things with his family. He also enjoys travel, fitness, country music, and good times with good friends.
Chris was born and raised in Western Maryland (Cumberland, MD), and currently lives with his wife, two children, and goldendoodle in Clarksburg, MD.
Cortney graduated from Towson University with a bachelors degree in Communications with a focus in Public Relations & Advertising. She has worked in many Customer Service positions over the years including jobs in the restaurant, grocery and mortgage industries. She… Read More
Cortney graduated from Towson University with a bachelors degree in Communications with a focus in Public Relations & Advertising.
She has worked in many Customer Service positions over the years including jobs in the restaurant, grocery and mortgage industries. She also has experience with Event Planning and Marketing.
Cortney strives to provide exceptional service to each and every BWFA client and prospective client, she enjoys learning more about their lives and building relationships for years to come.
Before joining BWFA in 2019, she worked for a local non-profit for 7 years. She has a philanthropic heart and is passionate about helping those in need. She enjoys traveling, boating and spending time with family.
Cortney lives in Sparrows Point, MD with her husband, their two sons and dog.
Job Titles:
- Certified Elder Planning Specialist
- Member of Our Client Service Team
Eve Kennedy joined BWFA in 2017 as a member of our Client Service Team. Eve is a Certified Elder Planning Specialist (CEPS) as well as a Certified Grief Recovery Specialist. Eve is passionate about making sure BWFA's clients have an… Read More
Eve Kennedy joined BWFA in 2017 as a member of our Client Service Team. Eve is a Certified Elder Planning Specialist (CEPS) as well as a Certified Grief Recovery Specialist.
Eve is passionate about making sure BWFA's clients have an exceptional experience. In practice, this translates to providing prompt and accurate responses to day-to-day needs paving the way for clients' success and satisfaction for all firm-wide interactions.
She enjoys running the BWFA Book Club, and the opportunity to interact with our clients in their discussions.
She is a supporter of the arts, active in her community, and always happy to lend a hand to those in need. Eve lives in Mt. Washington, Maryland, with her son, Calvin, and dog Major.
Job Titles:
- Associate
- Business Analyst
- in 2023 As Associate Business Analyst
Faith joined BWFA in 2023 as Associate Business Analyst. She graduated cum laude from the University of Maryland where she earned a Bachelor of Science in Marketing from the Robert H. Smith School of Business with a minor in French Studies.
Faith grew up in Howard County, MD, and enjoys fitness, concerts, and traveling. During her college experience, she studied abroad in Antibes, France.
Havital joined BWFA in December 2023 as an Associate Tax Advisor. She is an Enrolled Agent and has been in the financial industry since 2009. Havital holds a Bachelor's Degree in Sociology and Anthropology from the University of Haifa and… Read More
Job Titles:
- Member of the Executive Management Team
- CFP® - Portfolio Manager, Chief Information Officer, & Executive Manager
Joseph Caputo joined BWFA in September of 2012 as the firm's Chief Information Officer and Sr. Relationship Manager. He has obtained over 15 years of financial and investment management-related experience. Prior to joining the firm, he worked for notable local,… Read More
Joseph Caputo joined BWFA in September of 2012 as the firm's Chief Information Officer and Sr. Relationship Manager. He has obtained over 15 years of financial and investment management-related experience. Prior to joining the firm, he worked for notable local, regional, and national investment companies such as T. Rowe Price and Wachovia Securities. Throughout his career he has worked closely with small business owners helping to establish company-sponsored retirement plans. His focus has been to foster long-standing relationships and guide clients down a clear path to the future.
As BWFA's Chief Information Officer, his role is to implement new-age ideas and a sound technological vision. Joe also serves as a member of BWFA's Executive Management Committee. Joe attended Frostburg State University where he acquired a Bachelor's of Science degree in Political Science. Joe is also a CERTIFIED FINANCIAL PLANNER ® professional.
Joe has spent most of his life as a Maryland resident and currently lives with his wife and two sons, and his cat, "Sir Whiskers" in the Mt. Washington area. Joe is a member of the Towson Rec Council and coaches his son's spring baseball team.
Job Titles:
- Chief Operating Officer
- Member of the Asset Management Team
- Member of the Executive Management Team
- Chief Operating Officer of Baltimore - Washington Financial Advisors, Inc
Joseph Manfredi is Chief Operating Officer of Baltimore-Washington Financial Advisors, Inc. Joe is privileged to work with the firm's clients as a lead advisor to coordinate all BWFA capabilities when helping clients with financial planning, investment, and tax advisory services…. Read More
Job Titles:
- MST, CFP®, CIMA® Senior Tax and Planning Advisor
Larry Post is a financial professional dedicated to serving the needs of individuals and families. Prior to joining BWFA, Larry held various positions in Hawthorn, PNC Family Office, PNC Wealth Management, and was a partner with a CPA and financial… Read More
Lex started his career in the tax department of Deliotte & Touche where he became a tax manager specializing in employee benefits and retirement plan consulting. He subsequently became a partner in a small local accounting firm where he focused his… Read More
Lex started his career in the tax department of Deliotte & Touche where he became a tax manager specializing in employee benefits and retirement plan consulting. He subsequently became a partner in a small local accounting firm where he focused his practice on providing tax services to small businesses and their owners. For 10 years he served as Chief Financial Officer of a large multi-state title agency and subsequently started his own title agency while also practicing law (primarily in the areas of taxation and real estate) for five years before joining a large regional accounting firm where he became the tax director in charge of the firm's personal financial services group.
Lex has taught business law and accounting classes at Clemont College and was an adjunct professor at Villa Julie College (now Stevenson University) where he taught tax accounting classes. Currently he teaches graduate and undergraduate classes in individual and business taxation for the Smith Business School at the University of Maryland. He has been very active in the community, serving as the Chairman of the Howard County Pension Oversight Commission and also as the Vice Chairman of the Howard Community College Education Foundation. Lex has a B.A. in Economics from the University of Virginia and is an honors graduate of the University Of Maryland School Of Law.
He and his wife Terry like to travel, attend concerts and sporting events and spend time with family and friends.
Job Titles:
- Associate
- Financial Analyst
Max Pflugrad started with BWFA as an intern during the summer of 2021. He graduated from Towson University with a B.S. in Business, and is currently pursuing his CIMA certification. He is excited about his new role as an Associate Financial Analyst in which he will be supporting the Investment Management team. Outside of the office, he enjoys golfing, fishing, and spending time outdoors.
Job Titles:
- Member of the Executive Management Team
- CEPS - Director of Client Services, & Executive Manager
Meghan is a BWFA Executive Manager and Certified Elder Planning Specialist (CEPS). Serving as the firm's Director of Client Services, she supervises all aspects of the client experience including those which impact new client relationships. Additionally, Meghan oversees client education… Read More
Job Titles:
- Associate
- Client Associate
Raechelle joined BWFA in 2019 as a Client Associate. She attended Loyola University Maryland for both undergraduate and graduate school. She has spent time in both customer service and sales positions. She lives in Mt. Washington, Maryland, where she lives with her husband, three girls, and three dogs. She enjoys attending her girls' sporting events, traveling, and spending time with her large extended family.
Job Titles:
- CEO
- Member of the Asset Management Team
- Member of the Executive Management Team
- President
Robert Carpenter leads the team at BWFA that is dedicated to improving the financial lives of its clients. As President and CEO, he is responsible for overseeing all areas of the firm, Investment Management, Financial Planning, Tax Advisory Services and… Read More
Robert Carpenter leads the team at BWFA that is dedicated to improving the financial lives of its clients. As President and CEO, he is responsible for overseeing all areas of the firm, Investment Management, Financial Planning, Tax Advisory Services and Mergers and Acquisition, as well as ensuring clients receive the best possible service. In addition, Rob has direct responsibility as lead advisor and portfolio manager for many of BWFA's clients.
Rob has three decades of experience in the financial industry. Over the course of his successful career, he has served in numerous management and leadership positions at some of the largest wealth management firms in the country. He began his career working as a financial advisor and he has vast expertise in wealth management, trust services, portfolio management, and financial planning.
Sandy Hornor is an experienced financial professional with over 30 years in the industry. Sandy works with individuals, families, organizations, and companies to define their long-term wealth management objectives; he assists with the implementation of solutions and techniques to meet… Read More
Sandy Hornor is an experienced financial professional with over 30 years in the industry. Sandy works with individuals, families, organizations, and companies to define their long-term wealth management objectives; he assists with the implementation of solutions and techniques to meet their objectives. Sandy strives to ensure that each client's goals are met or exceeded by delivering a custom-tailored plan designed to address each client's unique circumstances. His oversight and guidance help clients to comfortably navigate through this often complex process.
Sandy is a Certified Elder Planning Specialist (CEPS).
Prior to joining BWFA, Sandy worked at Legg Mason as Principal and Business Development Executive. Before that he was a Regional Vice President for Old Mutual Asset Management, New York Life Investment Management and MFS Investment Management. Sandy, his wife and three children reside in Ellicott City, Maryland.
Job Titles:
- Executive Assistant to the President
Stacy joined BWFA in 2023 and serves as the Executive Assistant to the President. She strives for excellence and has organizational talents that will benefit the BWFA team and its clients. Her career path has always been customer service-based with… Read More
Stacy joined BWFA in 2023 and serves as the Executive Assistant to the President. She strives for excellence and has organizational talents that will benefit the BWFA team and its clients. Her career path has always been customer service-based with a goal of providing a 5-star experience. Stacy's experience has ranged from working as a young waitress, bank teller, administrative assistant, and providing customer sales support for a UK company. Before joining BWFA, she also worked as a respected realtor for the past 18 years. All her positions have helped hone her communication skills and ability to provide caring customer service with attention to detail.
Stacy has a mission to help others and is always looking for volunteer/service opportunities to be a part of. Some of her past experiences include serving as PTA President, Lacrosse Program Chairperson, and Team Mom for her local Recreation Council. She's also been involved in church service opportunities, RED Day, Soup for the Soul, Casey Cares, Habitat for Humanity, and Operation Christmas Child. All her volunteer work brings her great joy.
Stacy is currently enjoying the grand-parenting chapter of her life. She loves being "Gigi" to her four grandsons. Some of her favorite past-times include spending time at the beach, walking, yoga, and reading. Stacy married her high school sweetheart, Ray, and they live in Sparrows Point, MD.
Terrence Jones serves as a Financial Planning Analyst. Before joining BWFA, Terrence spent 10 years in various client-facing positions at T. Rowe Price and is currently pursuing the Certified Financial Planner designation. Terrence holds the Chartered Retirement Planning Counselor (CRPC®)… Read More
Job Titles:
- Senior Financial Planner With Baltimore Washington Financial Advisors
Thad Ismart is a Senior Financial Planner with Baltimore Washington Financial Advisors (BWFA). In this role, Thad prepares, presents, and implements comprehensive financial and retirement plans for BWFA's clients. Thad is a CERTIFIED FINANCIAL PLANNER ® professional and a Certified… Read More
Tiffany Thurston is a Tax Associate and registered tax preparer for BWFA. With a professional journey beginning in 2014, she has excelled as a bookkeeper and staff accountant, accumulating three years of specialized experience in taxation. Tiffany also serves as… Read More
Tiffany Thurston is a Tax Associate and registered tax preparer for BWFA. With a professional journey beginning in 2014, she has excelled as a bookkeeper and staff accountant, accumulating three years of specialized experience in taxation. Tiffany also serves as the Treasurer for the Board of Directors of the Downtown Sykesville Connection. Beyond her professional commitments, she resides happily with her husband, two children, and two dogs. Tiffany is passionate about community engagement, dedicating her time to volunteering, and finds joy in activities like reading and both creating and appreciate art.
Job Titles:
- Member of the Executive Management Team
- CEPS - Managing Director, Wealth Management & Executive Manager
Tyler became a part of BWFA in 2021, taking on the role of an Associate Financial Planner. In this capacity, he provides support to our investment management, financial planning, and client services teams. Prior to joining BWFA, Tyler gained valuable… Read More
Tyler became a part of BWFA in 2021, taking on the role of an Associate Financial Planner. In this capacity, he provides support to our investment management, financial planning, and client services teams. Prior to joining BWFA, Tyler gained valuable experience at T. Rowe Price and earned his CERTIFIED FINANCIAL PLANNER™ certification. Additionally, he holds the designation of a Certified Elder Planning Specialist (CEPS). Tyler is enthusiastic about collaborating closely with our clients to assist them in achieving their financial objectives.
Originally hailing from Connecticut, Tyler attended Gettysburg College, where he earned his degree in Political Science. During his college years, Tyler was not only a dedicated student but also a student-athlete, serving as captain of the wrestling team.
Tyler joined BWFA in 2016 and currently serves as a Financial Planner. He supports the firm's Investment Management Team, Financial Planning Team, and Client Service Team. He is very proud and excited to work with clients and their families to… Read More
Tyler joined BWFA in 2016 and currently serves as a Financial Planner. He supports the firm's Investment Management Team, Financial Planning Team, and Client Service Team. He is very proud and excited to work with clients and their families to help plan for and achieve their financial goals.
Tyler is a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner, a Certified Private Wealth Advisor® (CPWA), a Certified Divorce Financial Analyst (CDFA®), and a Certified Elder Planning Specialist (CEPS).
He is a proud Terrapin, having graduated from University of Maryland, College Park, where he earned both his B.S. in Civil & Environmental Engineering and a Master of Finance degree.
Tyler was born in New Jersey and currently lives in Baltimore, Maryland with his wife, Shayna, his son, Jaxson, and their two cats. He enjoys volunteering for Habitat for Humanity, fitness, golfing, traveling, and rooting for the Ravens and Giants.
Yuan Zhang is a Tax Associate at BWFA and also an Enrolled Agent. She graduated from the University of Maryland where she earned her BS in Accounting. Prior to joining BWFA, Yuan was a staff accountant in a regional CPA firm in Bethesda.
Yuan lives in Ellicott City, MD with her husband and two kids. She enjoys cooking and likes to spend time with friends and family.
Zaman serves as a Senior Client Associate on the financial planning track with plans to obtain the Certified Financial Planner (CFP) designation. She currently holds bachelor's degrees in economics and biology, along with a masters in finance from the University of Maryland.
Zaman started as an intern in 2021 and has spent the past year in San Francisco working in sell-side investment banking in the biotech field. In her spare time, Zaman enjoys baking, watching tennis, and spending time with friends.