The Lighthouse Team
Tom Kozlowski, CFP®
Tom co-founded Lighthouse Wealth Management with Andy Wilson and the company celebrated its 25th Anniversary in 2017.
Recognizing the value of having a team of professionals, Tom was the driving force behind Lighthouse’s signature service, ‘The Compass Program.’
Providing our clients with a “one stop shop” for all their financial needs has differentiated the firm from other financial service providers. “Our clients appreciate having a team of professionals working diligently to maximize their financial situation.”
Tom earned his Bachelor of Science in business administration in 1984 from Utica College of Syracuse University, and in 1986 was registered as a securities representative. Along with his CFP designation, Tom currently holds Series 7, 24, 63 and 65 Registrations, along with multiple Life and Health Insurance Licenses. With over 30 years as a Financial Advisor, Tom still has a passion to help clients meet their goals and dreams of a fulfilling retirement.
Tom’s service to the community is equally important to him. He is either serving as or recently served as: Member of Monocacy Valley Church Building and Finance Team; Chairman of the Gus Macker 3 on 3 Charity Basketball Tournament; Treasurer of Blue Ridge Force AAU Girls Basketball; Coordinator and coach of the LUYAA Middle School Girls Basketball Teams; Southern Frederick County Rotary Board Member, as well as their Fund Raising Chairperson.
Tom and his wife Teri currently reside in New Market, Maryland. When free time allows, Tom enjoys golf as a member of Holly Hills Golf Course, working out, traveling with Teri and good bottle of wine.
Andy Wilson, CFP®
From the time he entered the industry, Andy Wilson had a dream to create an independent financial advisory firm that would provide completely unbiased financial advice. This meant no proprietary products – no ties to Wall Street firms – and no pressure to recommend the latest products to his clients. Quickly tiring of working for firms that were more interested in marketing a product than doing what was in the client’s best interest.
Andy realized his dream in 1992 and joined with his longtime business partner Tom Kozlowski to co-found Lighthouse Wealth Management, Inc. Andy now uses his years of experience to guide individuals, families, and businesses through the ever changing financial planning landscape with unbiased advice driven by his clients’ needs.
Andy came to Maryland in 1984 from his home town of Windsor, Ontario in Canada, having been recruited on a lacrosse scholarship by Loyola University in Baltimore, Maryland. Upon graduating, he joined a national financial services firm marketing tax-sheltered annuities to teachers in Prince George’s County. Influenced by his in-laws, both financial planners, Andy enrolled in the College of Financial Planning and received his CFP® certification in 1994.
The opportunity to work with a broad range of clientele is one aspect of his work that Andy enjoys most and he attributes the continued growth of Lighthouse Wealth Management, Inc. to its adherence to a solid financial planning process, constant research, and the willingness to adapt that planning process to an ever changing financial industry.
Andy lives in Glenwood, Maryland with his wife Melissa, their youngest son, Connor, an avid baseball player. They also have two grown children, Beverly and Spencer. Andy has always been heavily involved in his children’s extra-curricular activities, and also finds time to indulge in his other great passion of life – golf.
Ed Kozlowski, MPAS
Ed Kozlowski is the Chief Operation Officer at Lighthouse. He has been working professionally in these capacities since 2008.
In addition to ensuring the firm has proper operational controls, Ed administrative and reporting procedures, and people systems in place to effectively grow the organization and to ensure financial strength and operating efficiency.
Ed also heads up the tax services division of the operation – Lighthouse Tax Services. He believes the team approach of helping clients achieve their financial goals is what makes Lighthouse special.
Ed holds the designation of Master Planner Advanced Studies (MPASSM). In order to hold the MPASSM designation Ed completed the Master of Science degree with a major in personal financial planning from the College of Financial Planning in Denver Colorado.
As a designee, Ed adheres to Standards of Professional Conduct and renews his designation every two years by completing 40 hours of content-specific continuing education, reaffirming adherence to the Standards of Professional Conduct and complying with self-disclosure requirements.
Ed also has a Bachelor of Science degree in Accounting from Lemoyne College in Syracuse, New York and is a registered tax preparer.
He lives in New Market, Maryland with his wife Mindy and has two grown children – Bryan and Lindsey. When time allows Ed enjoys getting out in nature with friends and family.
Partner, Director of Research
Henry L. Becker, Jr., CFP®
Henry has worked in the Financial Services industry for over 20 years and now serves as Director of Research and Investment Strategy for Lighthouse Wealth Management. He began working with Lighthouse in September of 2011 and became the newest partner of the firm in April of 2012. Henry has held positions with some of America’s largest pension providers and mutual fund companies. Prior to joining Lighthouse Henry ran his own investment management firm.
Henry’s decision to merge his business with Lighthouse was driven by a desire to be part of a like-minded, client-focused team of advisors while maintaining autonomy and passion for his work. Henry has experience in overall financial planning but specializes in global economics and investment management. Henry uses a mixture of both technical analysis as well as fundamental analysis to guide investment decisions. His approach is to keep up with changing global market dynamics.
Henry was born and raised in Pittsburgh, Pennsylvania. He enlisted in the U.S. Air Force and served as a logistics specialist from 1987 to 1992. After his enlistment in the military, Henry returned to Pittsburgh and attended The University of Pittsburgh where he earned his Bachelor of Art in West European History. He completed his studies for the Certified Financial Planner™ designation through the American College in Bryn Mawr, Pennsylvania and has been authorized to use the CFP® mark since 2004. Henry is also a self-trained Austrian economist and member of the Ludwig von Mises institute.
Henry, his wife Tracy and their three boys currently reside in New Market, Maryland. They are one of a few people that have circumnavigated the world in one trip. From August of 2000 to July of 2001 they spent their honeymoon traveling to over twenty countries.
Out of the office, Henry and his wife are busy raising their boys and trying to see and alpine ski as much of the world as possible.
Financial Advisor, Service Advisor
Katy Chase, CFP®, MBA
A native of Upstate New York, Katy loves the snow. After graduating from The Pennsylvania State University, she transplanted to Boston where she volunteered with AmeriCorps VISTA.
After her year of AmeriCorps service was complete, Katy earned her Masters of Business Administration with a concentration in Business Analytics at Simmons College. At the time, the Simmons College MBA program was women’s-only, offering a unique learning prospective.
She was introduced to the ‘real’ world of investing through her internship at Vanguard where she worked on improving the client experience and helped to quantitatively measure the social return on investment of the business’ employee programs.
In early 2013, Katy joined the team at Lighthouse Wealth Management and found her home. Her favorite aspect of working for Lighthouse is the family-like atmosphere between clients and fellow staff. She works with clients on their financial planning needs, analyzing each of their unique situations.
Katy especially enjoys helping families work towards reducing stress by setting and achieving specific goals. Katy holds her CFP® designation, her Series 7 and 66 licenses, and she is a licensed Maryland and Pennsylvania State Life Insurance Agent.
Katy and her husband recently purchased their first home in the Pinehurst community in Lake Linganore – it was a fixer upper and they are working hard to renovate the house room by room.
Katy enjoys kayaking on Lake Linganore (she was on the Penn State crew team for four years), camping, hiking Sugarloaf Mountain, and the Great Outdoors in general. She’s known to have never come across a craft beer she doesn’t like, and when she’s not outdoors or sampling brews, she volunteers at the Frederick Rescue Mission. Katy also serves as Lighthouse’s Frederick Chamber of Commerce representative.
Financial Advisor, Service Advisor
Jonathan Winkert, CFP®
Jonathan has enjoyed working with Lighthouse Wealth Management as a Support Advisor since April 2017. After earning his Bachelor’s in Economics from the University of Maryland in 2015, he quickly attained valuable industry experience with a large online broker-dealer.
Jonathan and his wife, Jocelyn had a big year in 2017 – both getting married, and buying their first home in Frederick, MD.
As someone who values spending time with his many family members, playing basketball, and accumulating new experiences with friends, he recognizes that people have an abundance of competition for their limited time and energy.
Jonathan aspires to improve the financial lives of individuals and families so that they can focus more of their time and energy on what matters most to them.
Mike Wali, CFP®
Mike has been in the Financial Services industry for over 22 years working with clients to help them plan for the present and future.
His years of experience allow him to offer practical financial advice gained after years of living, learning, and experiencing successes and disappointments through his own financial life and the lives of his many clients. When appropriate, Mike works with CPAs, attorneys, and other professionals to advise clients regarding implementation of financial and legal decisions they may make as a result of the planning process.
Mike’s decision to join Lighthouse Financial Advisors in February of 2009 came after successfully building a solo practice and finding challenges in growing and providing value added services to his clientele. He made a decision to join together with other advisors and after some research, he was referred to Tom and Andy, and the rest they say – is history.
Mike has earned the CERTIFIED FINANCIAL PLANNER™ designation from the College for Financial Planning in Denver, Colorado. He also has earned the Chartered Financial Consultant (ChFC), the Chartered Retirement Planning Counselor (CRPC), and the Chartered Mutual Fund Counselor (CMFC) designations from The American College in Bryn Mawr, Pennsylvania. Mike attended Montgomery College in Takoma Park, Maryland, and then transferred into the Business School at the University of Maryland in College Park where he majored in Finance.
Mike is originally from Guyana, South America and has lived in the Baltimore/Washington Metro area since 1975. He and his wife Angie of 25+ years live in Mount Airy, Maryland. They have two children and one awesome grandson. Mike is an avid cyclist, riding with the DC Randonneurs and the Frederick Pedalers bicycle clubs.
Private Wealth Advisor
Brian has worked in the private wealth industry since 2012 and brings a great deal of knowledge in financial management, investment strategy, and estate planning to the clients he serves. After years working with a well known national broker-dealer, Brian brought his expertise and client base to Lighthouse Wealth Management where he can expand the quality and variety of financial services he offers.
Beyond contemplating efficient asset management – one of Brian’s favorite topics – he can often be found enjoying the great outdoors. He has never found a ski slope he didn’t like and will take to the rivers of the mid-Atlantic year round to enjoy time in his canoe (yes, even in winter). He is also a soccer enthusiast and will gladly share his adoration of Liverpool Football Club with you.
Brian lives in downtown Frederick and claims that this is the best place on earth to live because of the small town feel, with big city amenities and a healthy dose of all four seasons to boot. If you’re ever thirsty for a craft beer, take Brian up on his offer to meet you at one of Frederick’s local breweries.
Jullie Caniford, CPA
Jullie Caniford is the Chief Financial Officer at Lighthouse and joined the team in 2015.
A graduate of Shepherd University, Jullie has a Bachelor of Science degree in Accounting, with a double major in Economics. Jullie holds her CPA (Certified Public Accountant) designation and has a background in financial planning as well. In addition to overseeing the daily financial functions of Lighthouse Wealth, Jullie also provides tax planning, advice and tax preparation services for Lighthouse clients through Lighthouse Tax Services, LLC. Jullie especially enjoys working with clients to ensure their financial planning goals and tax planning goals work in tandem and believes the concierge level of service that Lighthouse provides is what makes the firm so successful.
Jullie, a native of Maryland, resides in Frederick with “fur baby”, Stewart, her Cavalier King Charles Spaniel. In her free time, Jullie enjoys volunteering through her church, traveling to warm weather destinations and cycling.
Client Services Associate
Will began his career in financial services in 2018. Prior to joining Lighthouse, Will worked for a large financial firm where he helped Maryland teachers in setting up and maintaining retirement plans and insurances.
Will’s role with Lighthouse has him working closely with Andy as a Client Services Associate. When not fielding client questions and sitting in on meetings, he is studying for Certified Financial Planner™ designation.
Prior to entering the financial services industry, Will graduated from Towson University with a degree in Finance. While in college, he was first introduced to financial planning as an intern with a local financial planning firm. Outside the office, he enjoys weight training, cycling, and fishing.
Client Services Associate
Justin began his career in financial services in 2017. Prior to joining Lighthouse, Justin cut his teeth in the financial services world while working for a large brokerage firm in Frederick, Maryland.
Justin’s role with Lighthouse has him working closely with Tom as a Client Services Associate. When not fielding client questions and sitting in on meetings, he is studying for Certified Financial Planner™ designation.
Justin moved to Middletown, Maryland upon graduating from Mount St. Mary’s University with a double major in Accounting and Sport Management with a minor in Business with his Fiancée Juliette and their dog Romeo.
Outside the office Justin enjoys cooking, wakeboarding, and coaching basketball for Special Olympics Frederick County.
A graduate of Hood College, Sara holds a degree in Business Management with a Concentration in Accounting.
Sara began her career in finance in 2003 in the mortgage business, working for almost 6 years for JP Morgan Chase. After a career change to accounting and working for a few local firms, she joined the team at Lighthouse Wealth Management in October 2019. Sara works as a staff accountant, is as a part of the tax team, and also assists Jullie in the financial functions of Lighthouse Wealth.
Sara is a native of Maryland, and enjoys the outdoors. In her free time, Sara can be found distance running, cycling, and spending time with her kids. Recently, she has been exploring the Gettysburg Battlefield.