Team
![]() J. PATRICK COLLINS JR, CFP®, EA- Principal
Patrick founded the fee-only financial planning and private money management firm in October 2004 after spending several years at Merrill Lynch as a Financial Advisor. Along with being an Investment Advisor Representative, he also holds his insurance licenses with the State of Maryland. Pat's primary responsibility is heading up the firm's Private Client Group which is responsible for providing Financial Planning and Wealth Management services primarily for individuals and families with a net worth of $2 million and above.
Patrick received his Bachelor of Science degree from the Pennsylvania State University and obtained his CERTIFIED FINANCIAL PLANNER™ certification from the CFP Board of Standards. In September of 2005 he became an Enrolled Agent, broadening his knowledge of the US Tax Code and allowing him to represent taxpayers in front of the IRS. He is also active within the National Association of Personal Financial Advisors (NAPFA), the primary professional organization for financial planners who have agreed to work only on a fee-only basis.
Patrick has been quoted extensively in such publications as The Washington Post, The Baltimore Examiner, Financial Planning, Investment Advisor, Registered Representative, Dow Jones Newswires and Bankrate.com.
Collins has been involved in a significant amount of charitable work throughout his career. He currently sits on the Board of Directors for both The Abilities Network and Senior Citizen’s Inc. Patrick lives in Baltimore County, Maryland with his wife Beth, their sons Trey and Quinn, and dog, Brogan.
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 JOSHUA P. ITZOE,
CFP®, AIF® - Principal
Josh joined the firm as a Principal in September of 2005 after working as a Financial Advisor with Morgan Stanley in Hunt Valley, Maryland. He is an Investment Advisor Representative and also holds his insurance licenses with the State of Maryland. Josh is primarily responsible for leading the firm's Institutional Services Group which provides Independent Fiduciary Services to
qualified retirement plans that generally range between $5 million and $100 million.
He is respected as an industry expert on matters pertaining to fiduciary responsibility and ERISA-governed retirement plans as well as the author of the book, Fixing the 401(k): What Fiduciaries Must Know (And Do) To Help Employees Retire Successfully.
He has also written about fiduciary responsibility for Benefits & Compensation Digest and has been quoted extensively in publications such as SmartMoney Magazine, Kiplinger's Retirement Report, Wealth Manager Magazine, The Baltimore Examiner, Journal of Financial Planning, Investment Advisor, Registered Rep, PLANADVISER Magazine, Financial Advisor and National Underwriter Life and Health.
A native of Baltimore, Josh attended high school at Calvert Hall College and graduated with honors from Wake Forest University with a Bachelor of Arts degree. He is a CERTIFIED FINANCIAL PLANNER™ and also earned the Accredited Investment Fiduciary® professional designation, awarded by the Center for Fiduciary Studies, which is associated with the University of Pittsburgh. He has received formal training in investment fiduciary responsibility. He has also served as an Instructor for the Community College of Baltimore County (CCBC) in the area of financial planning.
While at Wake Forest, Josh was a four-year starter for the baseball team and spent several years playing professionally after graduation. Josh resides in Phoenix, Maryland with his wife Jessica, their son Caleb, and daughter Lydia.
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 JASON P. DYE- Financial Planner
Jason joined the firm in January 2009 after working for Citi’s wealth planning group as a Planning Analyst. While at Citi, he was responsible for developing comprehensive financial plans for the high net worth clients of Citi’s Private Bank and Smith Barney. Jason is an Investment Advisor Representative, and is responsible for providing financial planning and wealth management services for the firm’s private client group.
Jason graduated from McDaniel College in Westminster, Maryland with a Bachelor of Arts degree. He currently lives in Westminster, Maryland with his wife.
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 LAURA STONER- Client Service Manager
Laura joined the firm as Client Service Manager in April 2010 after working for T. Rowe Price Investments for nearly six years.
While at T. Rowe Price, Laura held multiple positions in both the Retail Service and Sales departments of the organization where she obtained her FINRA Series 6 and 63 licenses. Her experience in back-office processes, procedures and account servicing, as well as three years of management experience, bring a wealth of operational experience to the firm.
Laura graduated from Stevenson University (formerly Villa Julie College) in Stevenson, Maryland with a Bachelor of Science degree in Visual Communication Design. Outside of the office, Laura is an accomplished equestrian and has been a member of the American Quarter Horse Association since 1992. She also volunteers with the Washington County Horse Council fundraising horse shows as an office manager and judge.
She currently lives in Pikesville, Maryland with her husband, Chris.
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