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 important values:

  • Our clients always come first.
  • Integrity matters.
  • 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 is fundamental to sustaining a quality work environment and providing outstanding client service.
  • Continuing education is necessary to maintain the timeliness of investment knowledge, tax law information, and financial planning techniques.
  • Innovation is crucial.
  • We must give back to the communities in which we live and work.

In other words, excelling in our industry requires us to work hard by providing exceptional service to our clients, each other, and our community.


About Us

Thomas Quirk

President – Retirement & Investment Group, LLC
Financial Advisor, Raymond James Financial Services

As a CERTIFIED FINANCIAL PLANNER professional and Chartered Retirement Planning Counselor, 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 the Oak Crest Community Association, serving as 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, Tom enjoys hiking in 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 Licenses

Jackie Niedrowski

Registered Associate

Jackie Niedrowski 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 continued her professional path in New York by working at Scudder Stevens & Clark and gaining experience on the floor of the NYSE. Returning to Maryland in 1996, Jackie 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.

Jackie came full circle in 2014, moving back to the financial industry and gaining momentum at Wells Fargo and Graystone Consulting at 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. She is currently studying for the Series 66. Jackie lives in Hampstead with her family.

Pam Smith

Relationship Manager

For more than 25 years, Pam Smith has been a business growth and customer relationship specialist, dedicated to executing target operating plans that streamline operations, increase sales, and improve customer satisfaction and employee retention.

After working with businesses from a variety of industries, including technology, customer loyalty programs, advertising, transition services, and healthcare, she now applies her combined administrative, operations, sales, and CRM expertise to her work with clients at the Retirement and Investment Group.

Pam is an expert in CRM, customer loyalty programs, sales process, sales information technology, performance management, customer service standards & training, multi-unit management, team leadership & performance, and account management. Along the way, she has obtained the following professional certifications: Development Dimensions International Leadership Development & Assessment, Front-line Leadership, Professional Coaching Skills, Interview & Selection Training: When Only the Best will Do!, Professional Selling Skills, “Reaching the Top Sales Training,” and Pride Plus Sales Training.

She has managed sales teams for Entertainment Publications, Roper Industries, and CORT Business Services, a Berkshire Hathaway Company, and co-founded an IT outsourcing company, JustRight Technology, with her husband. Pam earned her B.A. from the University of Delaware, where she was an Academic All-American Field Hockey Player. Pam, along with her husband and two sons, is an active resident of Catonsville.

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 specializing in Medicare products, including Medicare Advantage, Medicare Supplement and Medicare Prescription Drug plans. She has been selling Medicare products for over ten 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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