Our Mission

Our business and passion is people and their financial well-being. Therefore, in the pursuit of our goals, we will conduct ourselves in accordance with the following precepts: Our clients always come first. We must provide the highest level of service with integrity. Assisting our clients in the attainment of their financial objectives is our most worthy enterprise. We must communicate with our clients clearly and frequently. Our investments and services must be of superior quality. Teamwork – cooperating with and providing assistance and support to our fellow associates – is fundamental to sustaining a quality work environment that nurtures opportunities for unparalleled service, personal growth and job satisfaction. Continuing education is necessary to maintain the timeliness of investment knowledge, tax law information and financial planning techniques. Innovation is requisite to our survival in a changing world. To emulate other members of our industry requires us to continue to work hard; to excel beyond our peers requires us to provide an even higher caliber of service to our clients. We must give something back to the communities in which we live and work.


About Us

Thomas Quirk

President – Retirement & Investment Group, LLC
Financial Advisor, RJFS

As a CERTIFIED FINANCIAL PLANNER™ professional and Chartered Retirement Planning Councilor®  , Tom Quirk has been assisting clients with their retirement and distribution planning needs since 1994. He is an instructor for the Maryland State pre-retirement program and has published financial planning articles in the Senior Digest and the Baltimore Business Journal. Tom is an active member and past Vice President of the Catonsville Chamber of Commerce. He has served on the Board of Directors for the Community College of Baltimore County Foundation. He has also been active in his community serving as its President and Treasurer in prior years. Tom also serves as both the Chairman of the Baltimore County Council and the Baltimore County Spending Affordability Committee. In his spare time he enjoys hiking in the Patapsco park and spending time with his family in Oella.


College for Financial Planning, Chartered Retirement Planning Counselor
Boston University, Financial Planning Certification
McDaniel College, B.A., Economics, Business Administration, Political Science


Series 7 – General Securities License
Series 9 & 10 – General Securities Sales Supervisor
Series 63 – Uniform Securities Agent License
Series 65 – Uniform Investment Adviser License
Life And Health Insurance Licensed


Jackie Niedrowski

Registered Associate

Jacqueline launched her career in the Financial Industry in 1991 when she began working at Alex. Brown & Sons in the Listed Trading and Institutional Sales division while passing her Series 7.   She grew and continued her path to New York working at Scudder Stevens & Clark and gaining experience on the floor of the NYSE.  Returning to Maryland in 1996, Jacqueline worked with International Institutional Sales Brokers at Legg Mason while passing her Series 63.  This executive path led to her Entrepreneurship — creating a National Educational Curriculum and becoming an Author of 16 books.  This rewarding experience enabled her to give back by helping children prepare for the required domains of school readiness.  Jacqueline came full circle in 2014 back to the Financial Industry gaining momentum and growth at Wells Fargo and Graystone Consulting Morgan Stanley while also regaining the Series 7 license.  She is a Registered Associate here at the Retirement & Investment Group aligned with Raymond James helping with client reports, meetings, analysis and financial plans.  Jackie is currently studying for the Series 66.  Jackie lives in Hampstead with her husband Keith and family.

Elia Reppas

Registered Associate

Elia Reppas has been in the financial services field for over 20 years. She has an extensive banking background, assisting individuals and small businesses with their lending and investment needs. Elia lives in Perry Hall with her husband and two children.

Education and Licenses:

Stevenson University, B.A., Pre-Law
Series 6 Mutual Fund and Annuity License
Series 63 – Uniform Securities Agent License
Life and Health Insurance Licensed

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.


Dedicated HealthPlanOne Agent for all of your medicare needs.

Paula Walker*

Dedicated Agent with HealthPlanOne
877-581-5373 x 106

Paula is a Senior Licensed Agent, licensed in 41 states and specializes in Medicare products, including Medicare Advantage, Medicare supplement and Medicare Prescription Drug plans. She has been selling Medicare products for over 10 years and has helped thousands of people navigate the many options available across all types of Medicare products. Her mission is to understand the specific needs of each of her clients to find the right Medicare plan that is best for the client. Paula is also familiar with group retiree coverage and can help clients decide whether remaining in a group retiree plan or purchasing an individual Medicare plan is the best option.

*Not affiliated with Raymond James

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