About Us

Patrick L. Brown, Executive Vice-President of Willow Financial Services, LLC.

Mr. Brown is a graduate of Loyola College and has his Masters from Sellinger School of Business. Mr. Brown was the executive vice president of the small business division of USF&G, a Baltimore based insurance carrier that was purchased by St. Paul in 1997. He is recognized for developing the small business division nationwide and pioneering the concept of marketing small business products geared to the owners of small businesses.

In 2002, Mr. Onorato and Mr. Brown completed a comprehensive course on priority senior issues and attained the Certified Senior Advisor designation. They are currently active members of the Society of Senior Advisors® and the National Association of Insurance and Financial Advisors (NAIFA). This designation allows Willow Financial Services to meet the key needs and issues concerning small business owners as they grow older.
410-321-9608 • 800-662-9847 • www.willowfinancial.com

Mary Helen Dennis, Owner, InfoDoc, Inc.

InfoDoc, Inc. is a comprehensive Estate Organizing Service dedicated to helping clients before, during and after a family crisis or a life change by helping them to Identify, Organize and Document their Estate.

• Personal Bookkeeping – Checkbook balancing, bill pay, insurance claim paperwork and file organizing.
• Estate Documentation – Creating a "Family Resource Book" documenting information about property, finances, insurances, etc.
• Assisting Estate Administrators – Assisting Executors and Conservators of estates with everything from filling out paperwork to cleaning out the house in preparation for sale.

410-375-7903 • mhdennis@infodocinc.com • www.infodocinc.com

Rajiv Goel, Principal, Offit Kurman

Mr. Rajiv Goel is a principal at Offit Kurman and head of the firm’s Elder Care Practice. Mr. Goel skillfully counsels seniors, persons with disabilities and individuals seeking advice on how best to conserve, protect, and distribute estate assets before and after death. In the process of preparing the appropriate estate planning and elder care documents, Mr. Goel tailors a comprehensive plan to meet the unique needs of each client. Regardless of the complexity of a client’s needs, Mr. Goel is committed to delivering outstanding client service with a keen attention to detail.
443.738.1516 • Fax 443.738.1535 • rgoel@offitkurman.com • www.offitkurman.com

Robert W. Groves, Jr., C.P.C.

Licensed Mortician for 26 years and a Certified Preplanning Counselor since 2000.
For the past 17 years, Robert and the Evans Funeral Chapel and Cremation Services have been leaders in Funeral Preplanning, firmly believing that preplanning is a "Gift of Selfless Love."

Robert has been recognized as one of the top preplanning counselors in the United States. He also serves on his church denomination's Senior Adult Committee for the Del Mar VA-DC Region.
410-665-9444 • Evanspims@earthlink.net • www.evansfuneralchapel.com

Nicole R. Hewitt, Esquire, Hewitt & Waicker, LLC

Ms. Hewitt practices in the area of Elder Law, Estate Planning and Estate Administration, Business Planning, and Title and Real Estate Transactions, with an emphasis on the tax aspects of each area. Her clients consist of both individuals and small businesses. Prior to co-founding Hewitt & Waicker, LLC, Ms. Hewitt was a senior tax associate with two Big 5 accounting firms, an associate with a large prominent Baltimore law firm and General Counsel and Executive Director of a national corporation. She is a member of the Maryland State Bar Association's Estate & Trusts, Elder Law and Real Property sections, and a member of the Baltimore County Bar Association. Ms. Hewitt received her B.A. from Loyola College, J.D. from the University of Baltimore School of Law, and L.L.M. in Taxation from Georgetown University School of Law.
410-825-2255 • nhewitt@hewittwaicker.com • www.hewittwaicker.com

Valorie Leeb, CSA, Paralegal, Former Owner, Accent on Elder Law Accent on Elder Law is now affiliated with Offit Kurman

Ms. Leeb is the former owner and founder of Accent on Elder Law, Inc. which is now affiliated with Offit Kurman. A paralegal and Certified Senior Advisor (CSA), Ms. Leeb has been serving Maryland seniors and their families in the area of Elder Law services and Medicaid eligibility since 1995. Ms. Leeb holds a degree in Business Administration with a focus on Paralegal Studies. She has further education in the areas of Gerontology with special interest on the study of the aged population. Ms. Leeb serves on the Board of Directors for the Baltimore County Guardianship Review Board. She is a licensed health insurance agent, which allows her to better serve the needs of her clients in helping them understand the impact of Medicare and secondary insurances. Ms. Leeb is an associate member of the Maryland Bar Association and a member of the National Ethics Bureau.
443-738-1563 • Cell: 443-790-7915 • vleeb@offitkurman.com
www.accentonelderlaw.com

William M. Leeb, CFP®

William Leeb is the President of Financial Council, Inc. (FCI), a registered investment advisory firm, specializing in retirement planning. FCI provides a unique approach to the retirement planning process through a highly qualified team of accredited professionals.

Mr. Leeb brings over 25 years of experience to FCI, which he co-founded with his father, Howard W. Leeb in 1988. He holds degrees in Business Administration and Economics from Towson University. He is a certified Financial Planner and a member of the Financial Planning association and the Institute of Certified Planners. He currently serves as an adjunct faculty member of the Johns Hopkins University where he frequently lectures on investment and financial planning issues. Mr. Leeb is also President and Chief Investment Officer of Financial Council Asset Management, Inc., a Registered Investment Advisory Firm.
410-821-9200 • info@financialcouncil.com • www.financialcouncil.com

Jeffrey V. Merwin, CLU, RHU, Director of LTC Brokerage

Jeff Merwin has more than 22 years in the financial services industry, developing personal production in both individual and group insurance markets. He also partners with financial advisors and insurance professionals to assist them with implementing long term care plans for their individual and business group clients.

His value to consumers and advisors’ clients in long-term care planning includes the underwriting qualification process, contract evaluation, plan design suitability, and planning strategies to implement the most efficient long-term care plan.

He has been a featured speaker and CE instructor at local chapter meetings of Maryland Association of Health Underwriters, National Association of Insurance & Financial Advisors, Financial Planning Association of Maryland, and Maryland Association of CPAs. He has provided training and consultation to over a thousand agents and advisors. He has been the Senior Issues Chair for MAHU and developed the 8 hour training day sponsored by MAHU & NAIFA in June of 2008.

Jeff graduated from Bowdoin College in Brunswick ME with B.A. in History. His professional designations include Chartered Life Underwriter (CLU), Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), and Life Underwriters Training Council Fellow (LUTCF). He lives in Baltimore with his wife and 3 children.
410-312-0003 • jeff.merwin@capitolmetro.com • www.capitolmetro.com

Richard A. Onorato, CSA, President of Willow Financial Services, LLC

A financial consulting firm that specializes in financial and retirement planning for individuals and businesses. Recognized as a top executive in the distribution of insurance and financial product, Rick has 30 years of experience in the industry. As a consultant and licensed broker, he deals with a wide variety of highly rated insurance companies, finding the best one to fully meet each client's current and future needs. He has received numerous awards over the years for outstanding professional service and performance to his clients.
410-321-9608 • 800-662-9847 • www.willowfinancial.com

Kenneth F. Prager, Certified Public Accountant

Kenneth Prager has almost thirty years of broad administrative and financial management experiences. His practice is dedicated to working with entrepreneurial companies and small businesses in their start-up phase by providing quality administrative and financial support to those organizations through various stages of their growth as well as providing both individual and business tax return preparation and planning. A strong emphasis has been placed on serving the needs of seniors in both tax planning and preparation of individual, trust and estate tax returns.

Mr. Prager earned a B.S. Degree from the University of Baltimore and is a member of both the Maryland Association and American Institute of Certified Public Accountants, and serves on the University of Baltimore Alumni Board. He has worked for a Big 6 CPA firm, served in various management capacities with Commercial Credit Company, was Regional Controller for a large shipping company and as Chief Financial Officer of a computer related distributor prior to developing his current practice.
410-829-4749 • KFPCPA@aol.com

Dave Pyser, CEO, Visiting Angels

Dave is the owner of Visiting Angels, located in Pikesville, Maryland, serving Baltimore County and Baltimore City with non-medical in-home care for primarily seniors. Dave is currently on the Board of Directors of the Baltimore County Provider Council and Myerberg Senior Center and Vice President of the Franklin High School PTSA.

Visiting Angels is a national leader in providing private duty care to the elder population so that they can continue to live independently at home for as long as they are able with assistance. Visiting Angels has an RSA (Residential Service Agency) license issued by the Maryland Department of Health and Mental Hygiene, Office of Health Care Quality. After a no obligation home evaluation is completed a screened and vetted caregiver is then referred to provide care to include assistance with daily living, assistance with hygiene and bathing, meal preparation, light housekeeping, medication reminders plus additional tasks as required. A benefit of Visiting Angels is having the opportunity to meet with and interview referred caregiver prior to care beginning. Each case is customized to meet individual scheduling and service preferences.
410-321-4466 • visitingangelshomecare@comcast.net • www.visitingangels.com/pikesville

Stuart Solomon, CPA, Registered Investment Advisor

Stuart Solomon is a partner and a shareholder in KBST&M. He has twenty-eighty years of public accounting experience. Stuart has been with KBST&M since 1985. Stuart's areas of concentration are in accounting services, individual and corporate taxation, management of advisory services, and wealth management services. He serves many clients in various industries, including professional services, real estate, automotive dealerships and contracting.
410-308-0300 • ssolomon@kbstm.com • www.kbstm.com

Neil Sweren, CMC, CRMS, CEO of Allymac Mortgage Services

Mr. Sweren is a twenty year veteran of residential mortgage financing and has personally handled more than two thousand loan transactions.

Allymac Mortgage Services offers a wide range of mortgage financing programs for purchase and refinance. Under his leadership Allymac has become one of the largest and most experienced providers of HECM reverse mortgages in the United States.

Neil holds a Bachelor of Science degree from Towson University, and is a licensed loan originator in Maryland, Virginia, Pennsylvania, Delaware and Washington DC. He is a nationally Certified Mortgage Consultant and Certified Residential Mortgage Specialist. Neil is a past-president of the Maryland Association of Mortgage Professionals and is a current member of its Ethics Oversight Committee. He has served as a consultant to the Maryland Legislature in the formation of continuing education requirements for Mortgage Brokers and has been appointed to represent the industry before the Commissioner of Financial Regulation. He currently serves on the Mortgage Advisory Council to the Conference of State Bank Supervisors in the development of a federally mandated national mortgage licensing system (NMLS).

Neil is a long time resident of Pikesville Maryland, where he lives with his wife Sherri, and two children.
410-902-4660 • neil@allymac.com • www.Allymac.com