Meet the Team
“I enjoy time spent getting to know my clients and learning what is important to them. This helps me tailor my advice to meet their unique goals and circumstances. The personal relationships I form with my clients make every day at work satisfying.”
Joe focuses on providing truly integrated wealth management services. “I’ve learned that most mistakes made by otherwise competent advisers result from the ‘left hand not knowing what the right hand is doing’. All too often, investment advisers, estate planning lawyers, and tax professionals (CPA’s) operate in isolation. There is simply too much overlap in these disciplines—they need to be integrated.”
Joe takes his time to explain in plain language your investment strategy. Therefore, a genuine relationship of trust is built on a foundation of understanding and clear communication. “It’s my job to help you understand and thus be confident with your investment strategy and other important financial decisions.”
Joe began his career at a midsize, local public accounting firm, later operating his own CPA firm from 1996 – 2008. He has owned and managed Kilner Capital Advisors since 2006. Joe holds a bachelor’s degrees in accounting and theology from Mount St. Mary’s University.
Joe resides in Frederick, MD with his wife Margie. Together, they enjoy the never ending activities of their 9 children, 14 grandchildren, and extended family and friends.
“In real life the financial plan sometimes needs to be adjusted. Life happens. Nothing makes me happier than hand-holding our clients through these hurdles.”
Mindy works closely with Joe in all aspects of client services. She provides particular focus on monitoring and rebalancing portfolios, creating and updating retirement planning projections, and assisting with distribution planning. Clients appreciate her attention to details, and her personal touch. Her 20+ years of experience in the financial services industry helps her to navigate the often complex world of finance with ease and efficiency.
Mindy has a Bachelor’s Degree in Business Administration Marketing with a minor in Statistics from Shepherd University.
Mindy resides in Sykesville, MD with her husband Jay and their dogs. They have 2 children and adore their 2 grandkids. They enjoy the many activities in and around their neighborhood with family and friends. She especially loves being able to finally own and ride her horse.
As Office Manager, Margie fills many roles in the firm including creating an organized an attractive office, planning the annual client event, handling a wide array of special projects, and all client mailings. During tax season Margie assists Joe with tax preparation work flow.
Margie‘s previous experience was in education. She homeschooled many of her own children for a period of time and later taught most subjects in grades 4 – 8 in a private school for 12 years. She has a Bachelor’s Degree from the University of Maryland in Therapeutic Recreation, and is a Maryland State Certified Teacher in Elementary Education.
She resides in Frederick, MD with her husband, Joe. Together, they enjoy their large family of 9 children and 14 grandchildren, as well as their extended family and friends. They are actively involved in their local church.
“As one of the first persons to talk to our clients when they call or come in, I get a ton of pleasure assisting them with their needs and/or solving problems, just as I did when I taught math for over 30 years. I’ve always been a people person, and getting to know all of our clients is the best part of my job of support.”
Tom works with Joe and Mindy as a back-office support specialist. He creates and maintains reports, creates the individualized tax organizers for every client, collects, organizes and processes tax return documents so Joe can review and finalize the returns with the clients. Tom’s job is to support Joe and Mindy in any way possible, to make their time available for
direct client interaction.
Tom has a Master of Education Administration from Towson State University, has taught high school and middle school, and ran the math department in those schools for the last 22 years of his teaching career. Before teaching, Tom managed hotels for 6 years including opening the Hyatt Regency Baltimore back in the 80’s.
Tom spends most of his free time volunteering for church activities with his wife Barbara and four kids and two grandchildren. Tom plays competitive senior softball on a team that has traveled across the country for over 10 years and runs a 20 two-man team golf league for the church every Wednesday evening spring through early fall, at Whiskey Creek Golf Club.
- Science, Not Speculation
- Focusing on What You Can Control
- Managing Risk
- Controlling Cost
- Broadly Diversifying
