Sue is a Senior Advisor at the Financial Consulate with over 20 years of experience managing taxable and tax-exempt pension trust assets. She is a Certified Financial Planner™ practitioner and has obtained a Bachelor’s degree from the State University of New York at Binghamton as well as a Master’s degree from Cornell University.
Having joined the firm in July of 2008, Sue ended a 10 year stint with Constellation Energy Group as Director – Pension Investments. Sue’s driving belief is that people can more effectively focus on personal growth once they have attained a certain level of comfort with financial decisions and the allocation of their financial resources.
Sue counsels that “making life-changing decisions such as sending a child to college (or going to college), buying a second home, retiring or a career move is less stressful once the probable financial path has been mapped out. Other changes in our lives that we do not like to think about or anticipate, such as the death of a loved one or separating from one’s spouse, can be made less emotionally painful when decisions are made with the counsel of knowledgeable and experienced advisors."
Outside of the office, Sue is active in the running community and has coached women runners for the Baltimore Women’s Classic for the past six years, and she serves as an Associate Trustee of Sheppard Pratt Investment, Inc. She also enjoys swimming, cross-country skiing and traveling with her husband, Jeff Caldwell, with whom she lives in Pikesville. Having moved to the Baltimore area 10 years ago, she is astounded at the warmth and friendship extended to her and her husband by its citizens.
Roger is a Senior Advisor with the Financial Consulate and has twenty years of experience in the financial services industry. He is a graduate of McDaniel College and holds a Master of Science in Finance degree from Loyola College in Baltimore.
After serving as a US Army officer with NATO in Europe, Roger began his career in finance as an investment executive with Legg Mason. Subsequently, Roger joined Oxford Capital Management as a portfolio manager where he managed equity, balanced, and fixed-income portfolios for individual and institutional clients. In 1996 Roger joined PSA Financial of Lutherville, Maryland where he performed the duties of chief investment officer.
Roger has a passion for serving clients in part by helping them understand and be comfortable with the financial world and is keenly interested in helping clients smoothly integrate their financial and non-financial lives. He is a frequent speaker at the Loyola College Sellinger School of Business, seminars, and is a frequent guest on financial talk radio.
Roger lives in Westminster, Maryland with his wife Audrey who is a German teacher at North Carroll High School in Hampstead Maryland. Roger and Audrey have three children; Christopher 24, Nicholas 22, and Charlotte 20. He is active in his community through his church and Habitat for Humanity.
Chuck is the Chief Financial Officer at the Financial Consulate. He is a Certified Public Accountant (CPA) and has earned his Masters of Business Administration from Loyola College in Maryland as well as an undergraduate degree from Virginia Tech. Chuck has successfully completed the Certified Financial Planner™(CFP) examination and is now a candidate for CFP Certification.
As the Investment Team Leader, Chuck is the day-to-day steward of the investment management programs at the Financial Consulate. In addition he provides recommendations to the Investment Committee at the firm through his continual research processes.
Chuck guides the firm’s investment management according to its mission, “To help our clients meet their goals by achieving a good rate of return without inspiring a spirit of fear or greed.”
A native of Pennsylvania, Chuck now lives in Baltimore, Maryland. Through his church, Chuck serves on a ministry team which provides one-on-one budget counseling to those having financial difficulties. Chuck has also served as an adjunct professor at Mount St. Mary’s University in Emmitsburg, MD.
Chris is a Para-Planner at the Financial Consulate, involved in many of the firm’s activities since his graduation from Towson University. He is currently preparing to test for his Certified Financial Planner™ designation.
Chris aids in both the financial planning and the investment management processes of the firm. He aids in the creation of Financial and Retirement Financial Physicals® as well as the processing and confirming of investment trades.
As a native of Baltimore, Chris lives in Roland Park where he grew up working for his family’s local prominent business, Schneider’s Hardware. Outside of work Chris enjoys participating in various sports such as soccer, football, volleyball, and softball.
Bob serves as the Chief Operating Officer and Chief Compliance Officer for The Financial Consulate, bringing 30 years of experience in the financial services industry. Prior to joining the Consulate in 2005, Bob was the Managing Director of Retail Trading for Alex. Brown & Sons, now Deutsche Bank Securities, Inc. He also has extensive expertise in compliance oversight and operational management from Deutsche Bank, Morgan Stanley and Legg Mason, where he led the operations department for Legg Mason Investment Counsel & Trust Company.
Bob’s responsibility at The Financial Consulate is to oversee and guide the operational processes and ensure the highest levels of accuracy, efficiency and service to our valued clients. Additionally, he is charged with being a pro-active partner with the regulatory bodies that guide our industry and protect our clients’ interests.
Suzanne is the Director of Information Planning at the Financial Consulate. With over 30 years of experience in the financial services industry, Suzanne developed her expertise in retail brokerage administration management and served as the administrative head of an institutional consulting group with Smith Barney and a retail trading division of Alex. Brown/Deutsche Bank.
At The Consulate, Suzanne is responsible for the strategic planning and development of internal operational systems for investment account maintenance, client cash flow and the retention of detailed client information. Additionally, Suzanne is developing a service consulting for clients in the later stages of their retirement regarding difficult decisions in matters of housing, health care and other transitional issues.
Suzanne resides in the Baltimore area and stays busy keeping up with her two sons, Kevin and Derek, currently in college.
Kathy joined the Firm early in 2008 as an Operations Specialist. Kathy brings over 12 years of administrative and operational leadership in the advertising and medical fields.
Kathy is responsible for carrying out and developing operational processes that will ensure our standard of excellent client service as we build toward the future.
DeAnna is the Communications and Technology Coordinator at the Financial Consulate. Familiar to most clients as the incredibly pleasant “voice of The Consulate,” DeAnna brings over 10 years industry experience and is involved in client relations, public relations and creative support for the Financial and Information Planning divisions of the firm. As she works towards the receipt of her Bachelor’s Degree in Information Technology at Strayer University, she is also transitioning into further computer and technology responsibilities.
DeAnna’s passion for treating each person as the unique individuals they are has helped deepen the firm’s relationships with clients, but it also helps her provide a creative and sensitive touch to the firm’s website and newsletter.
DeAnna lives in the Dundalk area, where she is a care-giver to her mother. If you don’t find her serving her family or the firm’s clients, she is probably planning her next cruise.
Kelly is the Administrative Director at the Financial Consulate. In her 30 years of work experience, she has owned or managed several businesses utilizing her passion for working with people.
Kelly’s tasteful attention to detail enables her to ensure that the many processes at The Consulate are running smoothly. Her efforts result in benefits for clients and employees of the firm.
In addition to her professional efforts, Kelly employs her interactive gifts working with various charitable and community groups.
