About Us

Tom Quirk

CFP®,  CRPC® *
Retirement & Investment Group, LLC, President
LPL, Financial Advisor
tomquirk@retirementandinvestment.com

Since 1994, Tom has been focused on helping individuals and families pursue financial independence and confidence through education, planning and investment management. He concentrates on creating individual plans that address the unique situations for each client in all stages of their retirement planning. He is a CERTIFIED FINANCIAL PLANNERTM professional and Chartered Retirement Planning CounselorSM. Also, 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. Tom 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. *Chartered Retirement Planning Counselor (CRPC®) conferred by College of Financial Planning.

Education:
CFP Board of Standards, Inc., CERTIFIED FINANCIAL PLANNERTM
College for Financial Planning, Chartered Retirement Planning CounselorSM
Boston University, Financial Planning Certification
McDaniel College, B.A., Economics, Business Administration, Political Science

The following FINRA Licenses are held through LPL:
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

Nicole Caringal

CFP®
Retirement & Investment Group, LLC, Senior Vice President
LPL, Financial Advisor
nicolecaringal@retirementandinvestment.com

Throughout her career, Nicole’s passion has been to share her years of experience and financial insight with her clients, with whom she builds strong, lasting relationships based on mutual trust.

She has over 25 years in the financial services industry, which was gained through her career with Raymond James and T. Rowe Price. During the last 13 years, Nicole was primarily focused on supporting and advocating the needs of independent financial advisors and their unique practices. Taking on various roles and increasing management responsibilities across the independent broker dealer, Nicole gained tremendous experience overseeing advisor facing areas such as client service, operations, practice management, discretionary asset management offerings, advisor supervision, and compliance. Before leaving Raymond James to join Retirement and Investment Group, she was responsible for supporting and growing the Northeast Region as the Assistant Regional Director.

Nicole and her husband, Conrad, are currently traveling back and forth between Maryland and Florida and will move full-time to the Catonsville area in the early summer of 2020 when her youngest, Adam, graduates high school. Their eldest child, Mya, is currently attending Florida State University.

Education:
CFP Board of Standards, Inc., CERTIFIED FINANCIAL PLANNERTM
Illinois State University B.A., International Business. Minors: French and Political Science

The following FINRA Licenses are held through LPL:
Series 7 – General Securities License
Series 24 – General Securities Principal
Series 66 – Uniform Combined Investment Adviser State License
Series 4 – Registered Options Principal
Series 53 – Municipal Securities Principal
Series 63 – Uniform Securities Agent State Law
Life and Health Insurance Licensed

Steve DeBoy

Retirement & Investment Group, LLC, Vice President – Investments
LPL, Financial Advisor
stevedeboy@retirementandinvestment.com

Steve has worked with individuals and their families on all aspects of their financial planning needs for the past 17 years. He prides himself in developing highly personalized, yet simple approaches to complex financial situations. He honed his investment knowledge with Janney Montgomery Scott, LLC and Ferris, Baker Watts, Inc. He has worked in several capacities including compliance, supervision, and the annuity and insurance special products groups.

He is a lifelong resident of Maryland, and currently resides in Catonsville with his wife Molly and their sons, Jack and Bowen. Steve is an avid golfer and is involved with the Juvenile Diabetes Association of Maryland. He is also a recipient of the Five Star Wealth Manager Award* for 2017-2019, as featured in Baltimore Magazine. *Five Star Wealth Manager Award is based on 10 objective criteria associated with providing quality services to clients such as credentials, experience, and assets under management among other factors. Wealth managers do not pay a fee to be considered or placed on the final list of 2017 and 2018 Five Star Wealth Managers.

Education:
Loyola College, B.A., Business Administration

The following FINRA Licenses are held through LPL:
Series 7 – General Securities License
Series 9 & 10 – General Securities Sales Supervisor
Series 31 – Futures Managed Funds License
Series 66 – Uniform Combined Investment Adviser State License
Life, Health and Long-Term Care Insurance Licensed

Sam Lauderdale

Vice President – Investments
LPL, Financial Advisor
Sam.Lauderdale@LPL.com

It’s a little un-conventual to join a practice with the goal in mind to retire, but that is what Sam has done. After a year of due diligence, Sam made the decision that Retirement & Investment Group would be the ideal fit for his clients. He is certain that that the attentive team will be dedicated to his clients and their financial well-being.

Sam has over 35 years of experience as a financial advisor. Since 2000, Sam has owned and operated his own financial services practice with LPL Financial. He was a Certified Financial Planner professional from 1991 – 2019. He has also been a CFP ® Instructor through the University of Maryland, Baltimore Campus. He just retired his designation as a Certified Fund Specialist, which he held since 1999.

When not working with his clients, we can find Sam with his lovely wife and his German Shepard. Most weekends will find him with one of his three children or his three grandchildren. We are delighted to have Sam and his clients join the Retirement & Investment Group.

Education:
Valparaiso University, Bachelor of Arts
The State University of New York at Buffalo, Master of Business Administration

The following FINRA Licenses are held through LPL:
Series 7 – General Securities License
Series 22 – Direct Participation Programs Limited Representative
Series 24 – General Securities Principal
Series 39 – Direct Participation Programs Limited Principal
Series 63 – Uniform Combined Investment Adviser State License

Pam Smith

Retirement & Investment Group, LLC, Director of Client Relations
pamsmith@retirementandinvestment.com

For more than 25 years, Pam has been a customer relationship specialist, dedicated to executing target operating plans that streamline operations and improve customer satisfaction.

Pam joined Retirement and Investment Group in 2017. Since then, she has applied her combined operations, administrative, account management and team leadership skills to her work with clients at Retirement and Investment Group. She has also managed sales teams for CORT Business Services, a Berkshire Hathaway Company, Entertainment Publications, Roper Industries, 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.

Along the way, Pam 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! and Professional Selling Skills.

Serena Ortega

Retirement & Investment Group, LLC, Administrative and Operational Assistant
serenaortega@retirementandinvestment.com

Serena Ortega started with Retirement and Investment Group in May of 2019. She works remotely in Tampa, FL as Virtual Administrative Assistant, where she provides assistance and support on administrative and operational tasks. Serena has been working at LPL Financial since December of 2012 and has extensive knowledge on back office policies, procedures, systems and operations.

Prior to joining LPL Financial, Serena was enlisted and served eight years in the United States Air Force. In her spare time, Serena enjoys spending time with her husband Nick, cooking, reading, and traveling.

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.

RETIREMENT WELL PLANNED.

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