Meet the Team

At our firm, we have the client—and only the client—in mind.

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives. We feel a commitment to our community.

Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. We believe it has far-reaching benefits for our clients to get opinions from several sources with diverse backgrounds, education, and experience.

No one strategy fits everyone, which is why every client gets our undivided attention—from planning to execution to follow-up. We take a proactive approach to helping you develop a strategy to address your financial goals and objectives, using the most efficient methods available.

Find a Financial Advisor

Allyson Wade
Billy Patriarca, CFP®
Christian Furniss
Dave Filo, MBA
Elizabeth A. Liechty, ChFC®, CLU®, ADPA®
Jeffrey Furniss
John (Rick) Nistler, ChFC, CLU
Joseph Codd, CFP®
Mackenzie (Grahm) Watson, CFP®, CFA
Nancy Kelban
Osborne (Buzz) D. Christensen, ChFC, CLU

Steven “Dave” Filo is a financial advisor with a focus on holistic financial planning for individuals, families, and small businesses. Dave has been in the financial services industry since 2003. Dave has a...

Joseph Codd, CFP®

Financial Advisor

joseph.codd@charterfg.com

Joseph is an advisor with Charter Financial Group, in Annapolis, MD. Joseph is a 2021 graduate of Towson University and a holder of the Certified Financial Planner® designation. Joseph specializes in Retirement Planning, Investment...

Billy Patriarca, CFP®

Financial Advisor

billy.patriarca@charterfg.com

Billy Patriarca is a Financial Advisor at Charter Financial Group and a Certified Financial Planner®. Billy focuses on in-depth, holistic financial planning with specialization in tax mitigation strategies. Billy has been in the...

Nancy Kelban

Practice Manager

nancy.kelban@charterfg.com

Christian Furniss

Client Relationship Manager to Jeffrey Furniss

christian.furniss@charterfg.com

Salisbury Office

Osborne (Buzz) D. Christensen, ChFC, CLU

LPL Financial Planner

osborne.christensen@charterfg.com

Osborne (Buzz) D. Christensen is an LPL Financial Planner at Charter Financial Group, an independent financial services firm serving clients across the nation from its Annapolis & Salisbury, MD offices. He is...

Allyson Wade

LPL Financial Planner

allyson.wade@charterfg.com

Allyson Wade is an LPL Financial Planner at Charter Financial Group (CFG), an independent financial services firm serving clients across the nation from its Annapolis, MD; Salisbury, MD; and Houston, TX offices. She is based out of the...

Client Centered

Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses your needs, wants, and long-term goals.

Our team of professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you.

Contact Us