Meet the Team
Ozer Culhagil, PhD
Ozer began his career in London and has over 25 years of experience in the financial services industry. He holds a Ph.D. in Finance and is also a Special Needs Planner. Ozer’s client-centric approach to planning focuses on education, advocacy, and coordination of individuals’ goals for themselves and their families. This holistic approach considers investment, retirement, estate, tax, education, and insurance objectives in shaping a financial plan tailored to the client’s needs. As a caring advisor, Ozer is dedicated to learning about your personal goals. Some of his particular areas of experience include estate planning, funding and withdrawing from retirement plans and IRAs, taking full advantage of retirement benefits, and maximizing Social Security benefits. He understands his clients are in various life stages and believes a financial plan must be tailored toward pursuing short and long-term objectives.
Director of Operations & Financial Advisor
Nick is a Vice President and Investment Advisor Representative for Elite Income Advisors, Inc. Nick began his career in the financial services industry in 2004 working for one of the oldest brokerage firms in the U.S. In addition, he worked for one of the largest insurance companies in the U.S. as an advisor and in operations. His experience includes wealth management, income & retirement planning, and managing the operations of a 100+ advisor financial services office. Nick takes pride in working closely with clients on their insurance and investment needs and enjoys developing lasting relationships with his clients and their families. Nick is a graduate of Towson University with a BS in Marketing. He holds the Series 66 and his Life & Health insurance license in the state of Maryland. Nick is a 30+ year resident of Howard County and currently lives with his wife Amy and their sons Sean and Evan in Columbia, Maryland.
Prashant is a financial advisor for Retirement Planning Services, Inc. and brings to the firm experience in insurance planning, retirement planning, and wealth management. As a trusted advisor, Prashant believes in using a comprehensive financial planning approach to ensure that all of his clients’ financial objectives are achieved. He is a lifetime Maryland resident and a graduate of the University of Maryland with a B.A. in Economics. He currently holds the Series 6, 63, and 65, as well as Life and Health licenses in Maryland. He specializes in helping individuals create, manage, and protect wealth throughout their lifetime while employing tax-efficient strategies. As a Baltimore, MD resident, Prashant is involved with local organizations such as Baltimore Talent Education Center
Michael Hartzell is a recognized Retirement Planner, Financial Educator and Speaker on the topic of wealth management and retirement planning. Michael is a licensed FINRA Series 65 qualified investment advisor who has been teaching these workshops as a community service for over five years in the Howard County and Anne Arundel areas to help guide families through their retirement financial planning. Belonging to a national group of Social Security planning advisors with access to sophisticated Social Security strategy planning software and cutting-edge financial planning software, Mr. Hartzell, offers complimentary counseling to all workshop attendees so that they may develop a strategy towards achieving life-time income.
Bruce Fletcher has spent his entire professional career (30+ years) working with clients and assisting them with their insurance and investments needs. At age 22 he ventured out to an insurance brokerage in Gaithersburg. From there he moved on to Chevy Chase Bank/Chevy Chase Financial Services, where he spent 11 years handling insurance and investment needs for the bank’s clientele. He received an exceptional number of awards and recognition while working at Chevy Chase. This didn’t go unnoticed in the industry, and he was recruited to SunTrust Private Wealth Management. As part of the wealth team, he worked with high-net-worth clients assessing their risk management needs and providing solutions. Bruce received numerous awards and recognition and was the number one producer his last 3 years at SunTrust. Bruce’s focus is retirement coaching with his clients utilizing safe money investing, tax free income in retirement, and life and long-term care insurance planning.
Questions about your retirement portfolio?
Should your planning and investment strategies change?
Retirement Planning Services can guide you through the 2023 changes and beyond.