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 dreamed of creating 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. Instead, Andy could simply do what was in the client’s best interest – all the time, every time.
Andy realized his dream in 1992 and joined with his longtime business partner, Tom Kozlowski, to co-found Lighthouse Wealth Management. He played a key role in developing Lighthouse’s signature Compass Program, further expanding the ability to help clients by offering an in-house Tax Practice and an Estate Attorney that works directly with the firm. This multi-point approach gives Andy a full understanding of client goals – and also allows him to coordinate all avenues of their financial lives, saving clients from having to go to three separate companies. Andy now uses his years of experience to guide individuals, families, and businesses through the ever-changing financial planning landscape with unbiased advice driven solely by his clients’ needs.
Andy lives in Glenwood, Maryland with his wife, Melissa, and their youngest son, Connor, who is an avid baseball player. They also have two grown children, Beverly and Spencer. Andy can usually be found on a baseball field on weekends or playing golf with his family.
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 handles administrative and reporting procedures 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 (MPAS). In order to hold this 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. 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 participated in the AmeriCorps VISTA program.
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 perspective.
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 and she is a licensed Life Insurance Agent.
Katy is a local in the Pinehurst community in Lake Linganore where she lives with her husband and son. Katy enjoys spending time outdoors hiking, kayaking, or going to the playground with her son. Having rowed on the Penn State Crew team for four years and her high school rowing team before that, she loves being on the water, especially at her family’s camp on Cayuga Lake in Upstate NY. 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 with the New Market Green Team organizing the local farmer’s market and pursuing other initiatives to help better our planet.
Financial Advisor, Service Advisor
Jonathan Winkert, CFP®
Jonathan has enjoyed working with Lighthouse Wealth Management since April 2017. After earning his Bachelor’s in Economics from the University of Maryland, he quickly attained valuable industry experience with a large online broker-dealer.
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 more than 30 years, specializing in estate planning, wealth preservation strategies, and asset management. Mike joined forces with Lighthouse Wealth Management in February of 2009 after many years as a successful solo practitioner. 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 in a more comprehensive and broad based manner.
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 of 25 years, Angie, live in Mount Airy, Maryland. They have two children and one awesome grandson. Mike is an avid cyclist, riding long distances all over the US and Europe.
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 hails from Western Maryland and claims that this is the best place on earth to live because of the small town feel, 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 has worked in the financial services industry for over 27 years and brings a wealth of knowledge and experience to Lighthouse. Prior to joining the firm in 2015 as the Financial Officer, she operated her own tax preparation & consulting firm and spent many years in ‘Big 4’ public accounting.
A graduate of Shepherd University with a dual degree in Accounting and Economics, Jullie holds her CPA (Certified Public Accountant) designation, as well as her Series 65 and Series 63 licenses. In addition to overseeing the daily financial and accounting functions of Lighthouse, she also provides tax planning and preparation services through Lighthouse Tax Services, LLC. Jullie especially enjoys working with clients to ensure their financial planning goals work in tandem with their tax related goals and believes that the concierge level of service Lighthouse provides is what makes the firm so successful.
Jullie, a Maryland native, resides in New Market with her Cavalier King Charles Spaniel ‘fur baby’, Stewart. In her free time, you can find Jullie hiking the great outdoors, traveling to warm weather destinations or sipping wine at one of the many fabulous local wineries.
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.
Director of Communications & Events
|Cindy graduated from Millersville University in Pennsylvania with a degree in Meteorology & Earth Sciences. Coming out of college in the aftermath of the Great Recession, and having always enjoyed working with both numbers and people, she decided to pursue a different path and began her career in the finance field. After a few years in the retail banking segment, she shifted into wealth management.|
Her time spent working alongside different advisors and at different firms has given Cindy a wide range of experience – and in April 2020, she joined the Lighthouse Wealth Management team as the Director of Communications & Events. She works closely with the partners of the firm to promote and build the Lighthouse brand for both current and prospective clients – by coordinating events, managing marketing efforts, and maintaining the firm’s online and social media platforms.
Cindy is originally from Philadelphia but now resides in Mount Airy with her husband, Steve, and their two cats, Holmes and Watson. She enjoys anything outdoors, wrenching on her cars, watching football (E-A-G-L-E-S!), and relaxing on the front porch with a good book.
Client Services Associate
Katelyn graduated from Pennsylvania State University with a degree in Economics. Her financial career began at T. Rowe Price where she worked in Retirement Plan Services. Eventually, she made the difficult decision to make a move to Boston to fulfill the dream of living there.
While in New England, she was introduced to the world of Wealth Management. In her four years at BNY Mellon Family Office, she gained invaluable experience as a Relationship Manager for ultra-high net worth clients. She also made sure to enjoy all Massachusetts had to offer. If you ever find yourself on the South Shore of MA, make sure to check out World’s End Reservation!
After starting a family, Katelyn and her husband returned to Carroll County to raise their son with his grandparents close by. Since relocating back to Maryland, Katelyn joined Lighthouse Wealth Management in January 2020. Her role as a Client Services Associate has her working closely with Brian & Mike.
Katelyn tries to return to Boston at least once a year. In her free time, she enjoys spending time with her family, attending Penn State football games (WE ARE!), and traveling (the Jersey Shore & New Orleans are frequented favorites).
Roushan is a native New Englander who grew up in Massachusetts. She attended Guilford College, a small liberal arts university in Greensboro, North Carolina. As opportunities arose, she moved to Knoxville, Tennessee and worked in a small CPA firm. After six years of working in the accounting field, she gained real world experience that can’t be taught in books, learning valuable knowledge and diversifying her accounting skills. In 2007, Roushan moved to Frederick, Maryland where she worked at a local CPA firm until she decided to focus on starting a family.
Since returning to work in 2014, Roushan has become a licensed Maryland Tax Preparer and earned her certification as a QuickBooks Pro. With twelve years of experience in individual tax return preparation, bookkeeping and payroll, she joined the team to assist Ed and Jullie with the accounting services provided at Lighthouse Wealth Management.
Roushan and her two daughters enjoy the small town feel of Frederick but also enjoy being close to cities. Whether it’s spending time playing cards and board games, advancing her photography skills, picking local fruit, vegetables and flowers at the local farms, or browsing all the vintage stores she can find – it’s being together with her daughters that she enjoys most.