Bruce W. Robson, CFP^®
Co-Founder of CFS Retirement & Tax Solutions
CERTIFIED FINANCIAL PLANNER^™
Registered Securities Principal
Investment Advisor Representative
Registered Representative

Frank L. Brittingham
Co-Founder of CFS Retirement & Tax Solutions
Investment Advisor Representative
Registered Representative

Mark E. Engberg, CFP^®
CERTIFIED FINANCIAL PLANNER^™
Investment Advisor Representative
Registered Representative

J.D. Schroen, CPA
CERTIFIED PUBLIC ACCOUNTANT
Investment Advisor Representative
Registered Representative

Andrew H. Benjamin
Insurance Broker

Sandra M. Hearne
Operations Manager
Executive Administrator for Bruce W. Robson, CFP^®

Rose M. Whayland
Director of Marketing
Executive Administrator for Frank L. Brittingham

Stephanie P. Brown, MBA
Director of Technology & Strategic Planning
Executive Administrator for Mark E. Engberg, CFP^®

Shelly M. Mullins
Director of First Impressions
Executive Administrator for J.D. Schroen, CPA

Angie N. Haray, RP^®
REGISTERED PARAPLANNER^SM
Client Service Associate for Mark E. Engberg, CFP^®
Tax Associate for CFS Tax Solutions

Natasha R. Donoway
Director of First Impressions
Client Service Associate for Bruce W. Robson, CFP^®

Kimberly A. Bateman
Client Serive Associate for Mark E. Engberg, CFP^®

Stephanie A. Bolden
Income Tax Preparer for CFS Tax Solutions

Phone: (410) 546-0911 ext. 106
Toll-Free: (800) 465-7042 ext. 106
E-Mail: brobson@cfs-retirement.com

Co-Founder of CFS Retirement & Tax Solutions
CERTIFIED FINANCIAL PLANNER^™
Registered Securities Principal
Investment Advisor Representative
Registered Representative

With 30 years of experience in the financial services and tax preparation fields, Bruce is a Registered Securities Principal, Investment Advisor Representative, a Licensed Insurance Agent, and a CERTIFIED FINANCIAL PLANNER^™. 

Bruce is the co-founder of CFS, which has been in its present location for over 20 years.  He attained the CFP^® designation in 1994.  Bruce supervises a team of 4 representatives, a CPA, an Insurance Broker, and 6 staff members.  He currently serves on the Advisors Council for the Financial Services Institute, Inc.  His mission is to help families develop strategies to assist in attaining financial security.

Bruce has three children and resides in Salisbury, MD with his wife Susan.  He enjoys anything involved with the water and gardening.  Bruce is actively involved with the Salisbury Horizons Academic and Summer Enrichment Program and a member of the Wicomico Enviornmental Trust.
 

Phone: (410) 546-0911 ext. 101
Toll-Free: (800) 465-7042 ext. 101
E-Mail: fbrittingham@cfs-retirement.com

Co-Founder of CFS Retirement & Tax Solutions
Investment Advisor Representative
Registered Representative

Frank is a Registered Representative and Investment Advisor Representative through Multi-Financial Securities Corporation.  In addition, he is a co-founder of CFS Retirement & Tax Solutions.  Frank has over 28 years of experience in the financial services and insurance industry.  He specializes in risk management, allocation strategies, and developing adequate investment income for retirees.  Frank is a State of Maryland licensed insruance agent (Health, Life, and Variable) and holds a B.S. from Elizabethtown College (Elizabeth, PA).

Phone: (410) 546-0911 ext. 102
Toll-Free: (800) 465-7042 ext. 102
E-Mail: mengberg@cfs-retirement.com

CERTIFIED FINANCIAL PLANNER^™
Investment Advisor Representative
Registered Representative

Mark is a graduate of the Calhoon MEBA Engineering School in Baltimore, MD.  He spent 20 years in the US Merchant Marine sailing as a licensed marine engineer - his last 8 years as chief engineer.

Mark has gone on to create a second career in the financial services field.  He is a Registered Representative, Investment Advisor Representative, Licensed Insurance Agent and has been affiliated with CFS since 1999.

In addition to his engineering background, Mark holds a B.S. in Finance from Excelsior College, graduating Magnum Cum Laude, and is a CERTIFIED FINANCIAL PLANNER^™.  Mark specializes in financial planning, retirement income solutions, and asset management.  He servces on the Advisory Council for the Franklin P. Perdue School of Business Department of Economics and Finance at Salisbury University.  Mark takes great pride in his work and is personally invested in each client's financial future.

Mark resides in Salisbury, MD with his wife Patty and their extended families.  He is active at the YMCA and swims with the YMCA Aquatic Masters.  He is a long-time volunteer and advocate for people with developmental disabilities with a special interest in the Holly Center located in Salisbury, MD.

Phone: (410) 546-0911 ext. 107
Toll-Free: (800) 465-7042 ext. 107
E-Mail: jdschroen@cfs-retirement.com

CERTIFIED PUBLIC ACCOUNTANT
Investment Advisor Representative
Registered Representative

J.D. is a CERTIFIED PUBLIC ACCOUNTANT, licensed through the State of Delaware, who leads the tax department of CFS Retirement & Tax Solutions.  He is a Salisbury native, member of the Maryland Society of Accountants as well as a member of the National Society of Tax Professionals.  J.D. received his B.A. in Accounting from Asbury College (Wilmore, KY).

After college, J.D. interned with Pigg, Krahl & Stern, a local account firm in Salisbury, MD, and ventured into the investment field through taking a position with First Investors Corporation, an accounting firm in Lexington, KY.  After working in the corporate world for several years, J.D. decided he wanted to raise a family closer to home and moved back to the Salisbury, MD area and came on board with CFS Retirement & Tax Solutions to establish the tax department.

J.D. works closely with small businesses to design and implement retirement plans such as SEP and Simple IRA's and 401(k) Plans.  He assists with a wide range of retirement plans, investments, college savings plans, insurance policies, and general planning.  J.D. specializes in tax control strategies, specifically in tax preparation for the Individual Sole Proprietor.

J.D. lives in Salisbury, MD with his wife Jessica and their four children.  He is active in his church and various community outreach programs.  J.D. enjoys spending time with his family and is a avid runner and cycler.

Phone: (410) 546-0911 ext. 110
Toll-Free: (800) 465-7042 ext. 110
E-Mail: abenjamin@cfs-insurancesolutions.com

Insurance Broker

A Salisbury Native, Andrew has been involved in the insurance business for almost 20 years. He specializes in long-term care insurance, life and disability insurance, and individual and group health insurance.

Andrew has helped a considerable number of CFS clients for the last thirteen years in the area of long-term care insurance.  In February 2011, he relocated his office to CFS and founded CFS Insurance Solutions with the idea of making CFS a venue where clients could not only receive expert financial and accounting services, but also address all their insurance needs.

Andrew has access to all major insurance carriers.  His ability to educate his clients regarding insurance coverage coupled with outstanding services brings him many referrals and repeat business.  Andrew works closely with attorneys and other advisors and is very familiar with community resources.  He is always available to talke about any questions or concerns regarding your insurance policies.

Phone: (410) 546-0911 ext. 103
Toll-Free: (800) 465-7042 ext. 103
E-Mail: shearne@cfs-retirement.com

Director of Operations
Executive Administrator for Bruce W. Robson, CFP^®

Sandra M. Hearne is the Director of Operations for CFS Retirement & Tax Solutions and also serves as Bruce W. Robson's Executive Administrator.  She has been associated with CFS Retirement & Tax Solutions since January 2000.  Sandra's main focus is on compliance, maximizing client fulfillment, and providing a pleasurable atmosphere for both staff and clientele.

Before beginning her career with CFS, she was employed by a local accounting firm as Chief Administrator. 

Sandra resides in Salisbury, MD with her husband Ted.

Phone: (410) 546-0911 ext. 100
Toll-Free: (800) 465-7042 ext. 100
E-Mail: rwhayland@cfs-retirement.com

Director of Marketing
Executive Administrator for Frank L. Brittingham

Rose M. Whayland is the Director of Marketing for CFS Retirement & Tax Solutions and also serves as Frank L. Brittingham's Executive Administrator.  She has been associated with CFS Retirement & Tax Solutions since January 1998.  Rose's main focus is on marketing and promotion and providing clients exceptional customer service.

Before beginning her career with CFS, she retired from Delmarva Power. 

Rose resides in Salisbury, MD.

Phone: (410) 546-0911 ext. 105
Toll-Free: (800) 465-7042 ext. 105
E-Mail: sbrown@cfs-retirement.com

Director of Technology & Strategic Planning
Executive Administrator for Mark E. Engberg, CFP^®

Stephanie P. Brown is a graduate of Salisbury University's Franklin P. Perdue School of Business where she graduated Summa Cum Laude in 2006 with a B.S. in Finance with a concentration in Financial Planning.  She furthered her education, receiving her MBA in May of 2007 from Salisbury University's Franklin P. Perdue School of Business Accelerated Graduate Program.  Stephanie has been affiliated with CFS Retirement & Tax Solutions since 2004 and serves as Mark E. Engberg's Executive Administrator.  She also is the Director of Technology and Strategic Planning for CFS Retirement & Tax Solutions.

Stephanie's key role is to support Mark's business operations (Maritime Wealth Management, LLC).  Her day-to-day responsibilities include managing and controlling the team's business work-flow and helping to assure an "Exceptional Client Experience."

In addition, as Director of Technology and Strategic Planning, Stephanie is a key decision maker related to information technology (IT) and the long-range vision planning of the organization.  Along with our outside vendors, she helps ensure the smooth and effective performance of the IT infrastructure.  Her goal is to continuously enhance and implement effective and useful technology solutions for our firm and clientele.

Stephanie resides in Millsboro, DE with her husband Ryan and their two children Rowan and Lydia.

Phone: (410) 546-0911 ext. 111
Toll-Free: (800) 465-7042 ext. 111
E-Mail: smullins@cfs-retirement.com

Director of First Impressions
Executive Administrator for J.D. Schroen, CPA

Shelly M. Mullins joined CFS Retirement & Tax Solutions in January 2009 as our Tax Receptionist.  As our company has grown, she now serves as our Director of First Impressions and Executive Administrator to J.D. Schroen, CPA.

As Executive Administrator to J.D. Schroen, CPA, Shelly is responsible for a vast array of administrative tasks as well as assuring investment and tax clients receive the highest satisfaction possible.

Standing as a self-motivated, energetic individual, serving as our lead Director of First Impressions, Shelly provides a friendly and professional point of contact for all CFS Retirement & Tax Solutions clientele.  Shelly's top priority is to provide an exceptional customer service experience.

Prior to joining CFS Retirement & Tax Solutions, she was employed by the Phillips family at Phillips Men Shop as a Sales Associate here in Salisbury, MD for over 6 years.  Shelly is a long time Worcester County Native who has three children and resides in Berlin, MD with her husband Andy.
 

Phone: (410) 546-0911 ext. 112
Toll-Free: (800) 465-7042 ext. 112
E-Mail: aharay@cfs-retirement.com

REGISTERED PARAPLANNER^SM
Client Service Associate for Mark E. Engberg, CFP^®
Tax Associate for CFS Tax Solutions

Angie H. Haray serves as a Client Service Associate for Mark E. Engberg, CFP^® and has been with CFS Retirement & Tax Solutions since 2008.  She received her REGISTERED PARAPLANNER^SM designation in 2010 from the College of Financial Planning^® to help better serve Mark's maritime clients needs.

In addition, beginning this tax season, Angie will be serving as a Tax Associate for CFS Tax Solutions to gain fundemental knowledge of the tax aspect of the financial industry. 

Angie resides in Salisbury, MD with her finace Justin.
 

Phone: (410) 546-0911 ext. 108
Toll-Free: (800) 465-7042 ext. 108
E-Mail: ndonoway@cfs-retirement.com

Director of First Impressions
Client Service Associate for Bruce W. Robson, CFP^®

Natasha R. Donoway serves as a Director of First Impressions and Client Service Associate for Bruce W. Robson, CFP^®. She has a background working in the financial services industry, being previously employed with another local financial advisor as well as experience in rental management; however, her love for the financial industry brought her back to work for CFS in April 2011.

Offering a creative and high energy work ethic, Natasha serves as one of our Director of First Impressions giving our clientele an exceptional first impression in directing you to the right department within our organization.  In addition, as Client Service Associate for Bruce W. Robson, CFP^® , Natasha is responsible for a vast array of administrative issues and providing Bruce's clients with a pleasurable customer experience.

Natasha resides in Salisbury, MD with her daughter Keira.

Phone: (410) 546-0911 ext. 112
Toll-Free: (800) 465-7042 ext. 112
E-Mail: kbateman@cfs-retirement.com

Client Serive Associate for Mark E. Engberg, CFP^®

Kimberly A. Bateman serves as a Client Service Associate for Mark E. Engberg, CFP^® and joined CFS Retirement & Tax Solutions in January 2012.  She has a background in customer, financial and travel services as well as the insurance industry, being previously employed as a Senior Retail Agent with AAA Mid-Atlantic in Salisbury, MD.  In wanting to challenge herself and transition her career, she joined CFS to focus more on helping clients find financial security.

Kimberly's main focus is providing exceptional customer service while handling all of Mark's clientele service requests. 

Kimberly resides in Salisbury, MD with her two daughters Candace Rose and Sarah.

Phone: (410) 546-0911 ext. 109
Toll-Free: (800) 465-7042 ext. 109
E-Mail:

Income Tax Preparer for CFS Tax Solutions

Stephanie A. Bolden joined CFS Retirement & Tax Solutions in January 2012 after the tax departments expansion in acquiring a local tax firm, Kelly Messick's Tax Service.  She came on board to provide a familiar face and assure a smooth transition for our new tax clientele.  Stephanie is credentialed through Jackson Hewitt Tax Cirriculum and QuickBooks Pro courses through Wor-Wic Community College.

Stephanie has a background in income tax preparation, payroll services, and bookeeping and has been preparing tax returns since 2004 with Kelly Messick's Tax Service.  She has become a huge asset to our tax department as the company is rapidaly expanding.

Stephanie resides in Princess Anne, MD with her husband Matthew and their daughter Kaylie.