FinanceForward, LLC is the merger of two firms: Young & Company Wealth Management Strategies and Joseph Klein Associates. They bring over 140 combined years of experience advising their clients in the areas of financial, estate, insurance and investment planning. We have all known each other for many years and share a common bond: the understanding that the continuity and succession of our business enterprises are as important as the care extended to our clients.
By sharing common values and combining resources, FinanceForward is a stronger firm able to provide you, our clients, advice and service for many years to come.
Look for our combined presence in our current Annapolis and Towson offices.
We are passionate about the partnerships we form with our clients—going above and beyond in seeking out the best options for creating, maintaining and protecting wealth. We live in a world of tremendous uncertainty and change; therefore, our desire is for our clients to have financial clarity! Our goal, when working with each of our clients, is to provide the best financial leadership, which gives our clients financial confidence, now going forward.
Elaine M. Shanley, CFP®, AIF®, CDFA®, Partner
Elaine joined FinanceForward (formerly Young & Company) in 1998 and became Partner in 2003. She is proficient in all areas of wealth management and is licensed for life, health, disability, and long term care insurance. She is a Certified Financial Planner® practitioner, holds the Accredited Investment Fiduciary® (AIF®) designation for retirement plans as well as the Certified Divorce Financial Analyst® (CDFA®) designation, and is recognized as a Woman’s Choice Award recipient for 2014-2021* Financial Advisor. Elaine holds a bachelor’s degree in Finance from the College of Notre Dame, a Masters of Business Administration in Finance from the University of Baltimore, and her Series 7, 63, and 65 registrations. She is registered as an Investment Advisor Representative with Private Advisor Group.
*The Women’s Choice Award® by WomenCertified Inc. is a recognition award for advisors who provide quality service to their female clients. The Award is based on 17 objective criteria associated with providing quality service to women clients such as credentials, experience and a favorable regulatory history. Financial advisors may have paid a basic program fee to cover the cost of comprehensive review and client survey.
Thomas M. Brown, CLU, Partner
Thomas joined FinanceForward (formerly Joseph Klein Associates) in 1983. He specializes in estate, financial and charitable planning, insurance and medical underwriting. Tom holds a bachelor’s degree in Intellectual History from the University of Michigan; a master’s degree in the History of Science from The Johns Hopkins University; and is a Chartered Life Underwriter. He holds the Series 6, 63, and 65 registrations as well as Life and Health licenses. He is registered as an Investment Advisor Representative with Private Advisor Group.
Cynthia Klein Goldberg, CLU, Partner
Cynthia joined FinanceForward (formerly Joseph Klein Associates) in 1987 and specializes in investment management, wealth accumulation, and retirement and college planning. She holds a bachelor’s degree in International Relations from the University of Pennsylvania, a master’s degree in Education from The Johns Hopkins University, and is a Chartered Life Underwriter. She also holds the Series 7 and 66 registrations, as well as Life and Health Licenses. Cynthia is registered as an Investment Advisor Representative with Private Advisor Group.
Kalen D. Baxter, CFP®, Partner
Kalen entered the financial services industry in 1997 and joined FinanceForward (formerly Joseph Klein Associates) in 2002. Kalen specializes in financial and investment planning and helps clients organize their financial affairs and implement strategies to meet their financial goals. He holds a bachelor’s degree in Business Administration from Loyola College in Maryland, and is a Certified Financial Planner® practitioner. Kalen holds the Series 6, 7 and 63 registrations as well as Life and Health licenses. He is registered as an Investment Advisor Representative with Private Advisor Group.
Neil R. G. Young, CLU, ChFC, Partner, Insurance Advisor
Neil founded Young & Company (now FinanceForward) in 1989, specializing in group insurance benefits and business solutions. He is a Chartered Life Underwriter and Chartered Financial Consultant, a graduate of the Franklin & Marshall College, and a veteran of the United States Navy.
Michele M. Beernink
Michele is our Client Relations Manager. Michele joined FinanceForward (formerly Young & Company) in 2008. She holds a bachelor’s degree in Business Administration and a Masters of Business Administration in Finance from Loyola University in Maryland. She is Series 6 and 7 registered and has also earned the Certified Employee Benefits Specialist (CEBS) designation.
Barbara H. Glaze
Barbara is our Administrative Assistant. Barbara joined FinanceForward (formerly Joseph Klein Associates) in 1990. She oversees all insurance processing and multiple aspects of client service and support, taking care of all the details behind the scenes—so when you need details and support with anything, she is your go-to-associate.
Karin is our Operations Manager. Karin joined FinanceForward (formerly Young & Company) in 1994. She oversees the client database, bookkeeping, human resources, agent licensing, and day-to-day operations of the company. She keeps the website content current and services group insurance needs.