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Company Name
Address |
President/CEO & Contact |
Company Profile |
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1st Mariner Mortgage Corp. 1801 S. Clinton Street Baltimore, MD 21224 www.1stmarinerbank.com Founded: 1995 |
Brett Carter Jeff Harris 410-342-2600 410-342-4110 fax |
Full-service mortgage lender offering a complete line of products and services. Including custom construction/permanent loans and 103% financing for purchases up to $300,000. Branches located from VA to the Eastern shore. |
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A.G. Edwards & Sons 8865 Stanford Blvd., Suite 121 Columbia, MD 21045 www.agedwards.com Founded: 1887 |
John S. Kinzer 410-872-1000 410-872-4875 fax |
Provide corporate retirement plans, financial and estate planning, private money management, fee-only investment programs, stock and bond research & advice, life and long term care insurance, IRAs. |
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A.J. Funding 5444 Thunder Hill Road Columbia, MD 21045 Founded: 1994 |
Howard Lessey 410-997-1991 410-997-1991 fax |
Purchases seller financed notes secured by business assets, mortgages and other securities. |
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Accounting & Word Services 4932 Pale Orchids Court Columbia, MD 21044 Founded: 1991 |
Pamela Neff 410-740-4259 410-740-4259 fax |
Tax and accounting services to businesses and individuals. QuickBooks accounting set-up and instruction. Spreadsheets, word processing and graph creation also available. |
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Allfirst Bank 25 S. Charles Street Baltimore, MD 21201 www.allfirst.com Founded: 1806 |
Susan Keating Joseph Durham 410-244-4000 410-244-3902 fax |
Allfirst is a regional, diversified financial services company headquartered in Baltimore offering a range of services including banking, investment and insurance to retail, business and commercial customers. |
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American Express 5550 Sterrett Place, Suite 216 Columbia, MD 21044 Founded: 1894 |
Harvey Golub Gary S. Williams 410-740-5885 410-715-9682 fax |
American Express Financial Advisors is a major financial planning services company. Our goal is to provide our clients with excellent advice and service as you plan your financial future. |
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American Express Financial Advisors 10420 Little Patuxent Parkway, Suite 110 Columbia, MD 21044 Founded: 1894 |
Merle Ross 410-730-9200 410-995-3049 fax |
Partnering with clients; guiding them through the process of financial decision-making, growth of assets and fulfillment of dreams. |
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Amerix Corporation 10500 Little Patuxent Parkway Columbia, MD 21044 www.amerix.com Founded: 1996 |
Bernie Dancel Lori Cuonze 410-910-4664 410-997-6886 fax |
Service provider to the credit counseling industry. Locations in Columbia. |
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Atlantic Brokerage Group 9051 Baltimore National Pike, Suite 3B Ellicott City, MD 21042 Founded: 1992 |
Norman E. Brondi James W. Zehner Stuart G. Fox 410-461-8900 410-461-9007 fax |
Financial services as well as individual and group life, health, disability insurance. Long term care insurance. |
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AXA Advisors, LLC 12006 White Cord Way Columbia, MD 21044 Founded: 1859 |
David Hepple 410-347-1006 410-547-0709 fax |
Providing insurance and investment products for personal and business markets. Financial planning services, life, health, disability, long term care insurance, annuities, mutual bonds and retirement plans. |
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Baltimore-Washington Financial Advisors 3525 Ellicott Mills Drive, Suite G Ellicott City, MD 21043 www.bwfa.com Founded: 1986 |
Kevin P. Condon Kim Keller 410-461-3900 410-461-2127 fax |
Fee-only financial advisers. Investment management, comprehensive financial planning, taxes, stock options. Fiduciary care. No commissions of any kind. |
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Bank of America 10320 Little Patuxent Pkwy., Suite 814 Columbia, MD 21044 |
William Couper Bill Sandlin 410-309-4958 410-964-2309 fax |
Business banking. |
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Baylights Compensation Consulting, LLC 3748 Dorsey Search Circle Ellicott City, MD 21042 www.baylights.com Founded: 1997 |
Charlotte C. Clive Craig N. Clive 410-480-2880 410-461-0571 fax |
Providing compensation consulting services that assist companies in improving their financial results. Design and implement cash and non-cash reward programs for employees. |
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BB&T “Loan Office Only” 7130 Minstrel Way, Suite 220 Columbia, MD 21045 Www.bbandt.com Founded: 1872 |
Michael L. Oster W. Stephen Pindell 301-596-7880 301-596-2001 fax |
Community banking with decisions made locally. Traditional bank products/services, plus insurance, leasing, investments, brokerage and trust services. Branches in Annapolis, Crofton, Laurel and throughout Maryland. |
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BUCS Federal 10455 Mill Run Circle Owings Mills, MD 21117 www.bucsfederal.com Founded: 1970 |
Herbert J. Moltzan Jeff Myers 410-998-5371 410-998-6674 fax |
Low cost provider of consumer and commercial banking services. Branch in Columbia. |
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Buna B. Cumbie II 9891 Broken Land Parkway, Suite 103 Columbia, MD 21046 Founded: 1969 |
Buna B. Cumbie II 410-290-3930 410-290-3932 fax |
Financial services. How do you define wealth? Love, time relationships, security. Let us help you achieve what you really want out of life. |
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Capital Markets LC 10451 Twin Rivers Road, Suite 415 Columbia, MD 21044 www.capitalmarket.com Founded: 1998 |
Larry Arobo Sletta Hughes 410-997-8307 410-997-8317 fax |
We are a full service brokerage firm with products ranging from mortgage, insurance to investment. We focus on the individual consumer to a one-person company and beyond. |
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Charles Schwab & Co. 9891 Broken Land Pkwy., Suite 102 Columbia, MD 21046 www.schwab.com Founded: 1974 |
Charles Schwab Patty Heinbough 410-309-4148 410-309-4246 fax |
Full service brokerage company giving unbiased investment advice and cutting edge web trading/research/account tracking. |
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Citizens National Bank 517 Main Street Laurel, MD 20707 www.mercantile.net/citizens Founded: 1890 |
Peter Floeckher Mike Barrett 301-497-6215 301-497-1766 fax |
A full service financial institution that, as an affiliate of Mercantile BankShares, combines regional strength with community bank perspective. Branches in Howard, Prince George’s, Anne Arundel and Montgomery counties. |
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Clarion Credit Management 10260 Old Columbia Road, Suite D Columbia, MD 21046 www.clarioncredit.com Founded: 1998 |
Dwight A. Burrill Michelle Glassburn 410-309-9020 410-309-9022 fax |
Non-profit corporation assisting individuals in financial distress, debt management plans and skill-building in personal financial management. |
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Coale Pripstein & Associates 8850 Stanford Boulevard, Suite 2900 Columbia, MD 21045 Founded: 1991 |
Edmund S. Coale III 410-290-0295 410-290-0721 fax |
CPA firm. Consulting services to closely held businesses. Provide assistance with tax planning, capital budgeting, financing. Conduct audits of financial statements. Tax preparation and representation before IRS. |
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Columbia National, Inc. 7142 Columbia Gateway Drive Columbia, MD 21046 www.columbianational.com Founded: 1939 |
David Gallitano Liz Angel 410-964-0077 410-740-3240 fax |
A traditional mortgage banker and has been making loans to people buying homes. |
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Commercial Insurance Managers, Inc. 9009 Mendenhall Court, Suite A Columbia, MD 21045 www.businsure.com Founded: 1989 |
Gordon Mumpower 410-309-7901 410-309-7905 fax |
Business and personal insurance including group life and medical, commercial property, liability, automobile, umbrella, workers compensation, professional and homeowners, employee benefit plans. |
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Controller at Large 9509 Sea Shadow Columbia, MD 21046 Founded: 1992 |
Kathy Welkos 410-792-2715 301-776-3605 fax |
Providing part-time controller services to growing businesses. Also offers a full range of accounting and tax preparation services. |
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County National Bank 7450 Ritchie Highway Glen Burnie, MD Founded: 1996 |
Jan W. Clark John Warner 410-760-7000 410-760-7004 fax |
Offering a complete selection of business and consumer services that include checking, savings, retirement plans and loan products. Branches in Pasadena, Odenton and Glen Burnie. |
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Creative Capital Associates, Inc. P.O. Box 1926 Silver Spring, MD 20915 Ccassociates.com Founded: 1993 |
Gary W. Honig 301-681-0080 301-681-0082 fax |
Factoring quick, easy access to commercial working capital. Immediate funding decisions with flexible terms. Commercial businesses only, no real estate. |
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Credit Management Solutions, Inc. 135 National Business Parkway Annapolis Junction, MD 20701 www.cmsinc.com Founded: 1986 |
Scott Freiman Nancy L. Weil 301-362-6000 301-362-6301 fax |
Credit automation and loan marketing software and services; provide Internet-based on-line lending and leasing technology. Credit decisioning system. |
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Crestar, a SunTrust Bank 120 E. Baltimore Street Baltimore, MD 21202 www.suntrust.com Founded: 1891 |
J. Scott Wilfeng Kathryn Miller 410-986-1712 410-986-1770 fax |
Provides financial, trust and investment services. Through various subsidiaries, the company provides mortgage banking, insurance, brokerage and investment banking services. Branches in Glen Burnie, Towson, Reisterstown, Annapolis, Linthicum, Ellicott City and Columbia. |
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Economic Strategies, Ltd. 9693 Gwynn Park Drive Ellicott City, MD 21042 www.members.home.net/helwig Founded: 1983 |
Ralph D. Helwig 410-313-9040 410-465-7487 fax |
Assisting entrepreneurs in all stages of the strategic planning process. Business plans, venture capital strategies, U-7/SCOR financing, various activities to help companies organize and expand. |
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Edward Jones 9062 Chevrolet Drive Ellicott City, MD 21042 www.edwardjones.com Founded: 1871 |
John Bachman Harry Slade 410-418-8218 410-418-8241 fax |
Stocks, bonds, mutual funds, CDs, life insurance, long term care insurance, annuities, money markets, estate planning, IRAs, business retirement plans, customer loans, trust services, full service brokerage. |
|
Equity Management Services, Inc. P.O. Box 653 Mt. Airy, MD 21771 Founded: 1995 |
Heidi Schlosser 301-829-6515 301-829-6511 fax |
QuickBooks professional advisers, specializing in bookkeeping services including payroll, accounts payable, accounts receivable, G/L, bank reconciliation, financial statements. Consulting division handles set-up, training and troubleshooting QuickBooks products. |
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Farmers & Mechanics National Bank 8593 Baltimore National Pike Ellicott City, MD 21043 www.fmbn.com Founded: 1817 |
Faye E. Cannon Bill Chalfant 410-480-1270 Tim Storch 410-480-1252 John Knipp 410-480-3317 410-992-4489 fax |
Full range of financial services. Commercial and personal banking, insurance products, trust and investment services, 24-hour telephone and electronic banking, mobile banking facility. Branches in Frederick, Howard, Montgomery, Carroll and Baltimore counties. |
|
Fawcett Bookkeeping & Tax Services, Inc. 6110 Rainbow Drive Elkridge, MD 21075 Founded: 1997 |
Susan Fawcett 410-796-0680 410-796-0790 fax |
Bookkeeping services, tax returns, QuickBooks training seminars, payroll and notary service. |
|
FCNB Bank B/W Corridor Regional Office 6810 Deer Path Road, Suite 325 Elkridge, MD 21075 www.fcnbbank.com Founded: 1818 |
A. Patrick Linton 800-662-2191 301-624-2085 fax |
FCNB Bank provides comprehensive personal and business services, full banking services. Mortgage and home equity loans, commercial real estate services. Member FDIC. Equal Housing Lender. Branches in Columbia, Glen Burnie, Laurel, Odenton, Washington, DC, and VA. |
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Financial Planning & Management Center, Inc. 9191 Baltimore National Pike Ellicott City, MD 21042 www.fpmc.com Founded: 1984 |
George Paniculam 410-461-2411 410-461-2436 fax |
Financial planning, tax planning, estate planning, mutual funds, annuities, life and health insurance, comprehensive financial planning. |
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First Savings Bank Merchant Division 9693 Gerwig Lane Columbia, MD 21046 www.nextdayfunding.com Founded: 1998 |
Paul Sabella 410-309-4210 410-309-4215 |
Processing credit transactions for traditional store front and Internet merchants. Sales of credit cards and wireless terminals, ATM, web site construction, design, E-commerce services. |
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First Union Financial Consultants 8808 Centre Park Columbia, MD 21045 matthew.steilberg1@firstunion.com www.firstunion.com Founded: 1997 |
Matthew Steilberg 410-332-5101 410-772-5592 fax |
We visit small business clients. After learning about them first, we show them how we will give them better service and a better bottom line, too. |
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Gilbert P. Davis, MBA, CFP 1300York Road, Suite 200 Lutherville, MD 21093 Founded: 1990 |
Gil Davis 410-339-6661 410-823-6570 fax |
Provides financial planning services addressing personal and business goals. Gil can offer securities, insurance and real estate for plan implementation. |
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Interpay, Inc. 6851 Oak Hall Lane, Suite 200 Columbia, MD 21045 Founded: 1971 |
William Scott Donna Ange 410-290-6840 410-290-3993 fax |
Payroll services to small and medium size businesses with one to 100 employees. Tax filing, direct deposit, new hire registration, S125, and a range of management reports. |
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Jolles Insurance & Financial Services 10408 Hardwood Court Woodstock, MD 21163 Founded: 1984 |
Brian S. Jolles Lisa K. Jolles 410-465-8210 410-465-8424 fax |
Offering services to fill gaps occurring when income stops due to retirement, death or disability. Life. health disability and long term care insurance. |
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Jon W. Ford, P.C. 3300 North Ridge Road, Suite 230 Ellicott City, MD 21043 Founded: 1991 |
Jon W. Ford 410-465-0317 410-461-0658 fax |
Tax planning and account services for small businesses and individuals. |
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Kaleidosystems, Inc. 5238 Raccoon Court, Suite B Columbia, MD 21045 www.kaleidosystems Founded: 1992 |
Betty Myers 410-997-2052 410-997-2062 fax |
Creatively managing changeÉempowering clients to prosper. Improving company and department performance through strategic planning, teambuilding, customized seminars and manager/leader coaching. |
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Katz, Abosch, Windesheim, Gershman & Freedman, P.A. 9891 Broken Land Pkwy., Suite 300 Columbia, MD 21046 www.kawgf.com Founded: 1969 |
Steven Gershman Mark Cissell 410-290-3299 410-381-3479 fax |
Advisers and consultants for closely held businesses. Personal financial planning; expert witness and business valuations. Preparation of financial statements. Corporate and individual tax planning and preparation |
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Lee Financial Associates, LLC 5018 Dorsey Hall Drive, Suite 204 Ellicott City, MD 21042 Founded: 1968 |
James W. Lee Jennifer R. Lee 410-964-3000 410-964-5133 fax |
Financial services/estate planning, asset management. |
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Leeds Federal Savings Bank 1101 Maiden Choice Lane Arbutus, MD 21229 LeedsFSBCPCnet.com www.LeedsFSB.com Founded: 1923 |
Gordon E. Clark 410-242-1234 410-242-7549 fax |
The biggest little bank in Maryland. 1st order of check free – checking with interest. New branch in Elkridge opens May 5th. Branch in Elkridge. |
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Management Ultimate Solutions, Inc. 10025 Governor Warfield Parkway Suite 200A Columbia, MD 21044 www.musinc.com |
Rajiv Mahajan 410-884-2993 410-884-2995 fax |
New software saves time and produces revenue. SBA Form Plus cuts SBA business loan package prep time by 75 percent. Office Manager for Accountants streamlines office procedures and client service. |
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Maryland Permanent Bank 9612 Reisterstown Road Owings Mills, MD 21117 www.marylandpermanentbank.com Founded: 1910 |
Michael Meisel Sharon Andrews 410-590-9067 410-590-9068 fax |
A community bank with business and personal products and services. Small business checking accounts and a full line of services. Debit cards, credit cards and merchant processing arriving soon. Branches in Harford County. |
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McCabe Insurance Associates, Inc. 5501 Twin Knolls Road, Suite 101 Columbia, MD 21045 Mccabeins.com Founded: 1985 |
Charles D. McCabe 410-992-5550 410-992-4204 fax |
Locally owned independent insurance agency specializing in providing insurance and other financial needs for small to mid-sized businesses and families and individuals. |
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Merrill Lynch The Merrill Lynch Building 10320 Little Patuxent Pkwy., Suite 1000 Columbia, MD 21044 Ken_danker@ml.com www.ml.com Founded: 1885 |
David Komansky Ken Danker 410-884-6610 410-884-6617 fax |
Provides investment, financing, advisory and insurance services for individuals and businesses locally and worldwide. |
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NASA Federal Credit Union 500 Prince George’s Blvd. Upper Marlboro, MD 20774 www.nfcu.org Founded: 1949 |
Doug Allman Maria Arnold 800-638-8484 301-390-4531 fax |
Provides a full range of financial services including savings, checking, money markets, certificates, mortgages, credit cards and consumer loans to eligible members and their relatives. Locations in MD, DC & VA. |
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Nationwide Insurance Company Bob Engelbach Agency 5520 Cedar Lane, Suite A Columbia, MD 21044 www.nationwide.com |
Bob Engelbach 410-995-4610 410-740-4972 fax |
Mutual funds, IRAs, Roth IRAs, annuities. |
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Neuberger Berhan 10420 Little Patuxent Pkwy., Suite 450 Columbia, MD 21044 www.nbfunds.com Founded: 1950 |
Jeff Lane Robert Knaus 800-238-8196 410-740-7089 fax |
Investment manager, administrator and distributor of a diversified family of no-load mutual funds. |
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Padgett Business Services 3230 Bethany Lane, Suite 3 Ellicott City, MD 21042 www.smallbizpros.com Founded: 1966 |
Dan Sautner Dennis Wochok 800-padgett 410-750-3639 fax |
Accounting and tax preparation services for small businesses focusing on consultation and tax planning. |
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Parr Financial Solutions 10440 Little Patuxent Parkway, Suite 300 Columbia, MD 21044 www. ParrFinSolutions.com Founded: 1992 |
Christopher P. Parr 410-740-5681 410-740-5603 fax |
Fee-only comprehensive financial planning and investment management services. “Worth Magazine” – “Nation’s 250 Best Financial Advisers” |
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Paytrak Payroll Services 3230 Bethany Lane, Suite 3 Ellicott City, MD 21042 www. smallbizpros.com Founded: 1999 |
Steve Rafsky Dennis Wochok 410-750-9110 410-750-3639 fax |
Paytrak Payroll Services, with complete payroll processing, is designed especially for small businesses with up to 40 employees. Personal service is our focus. |
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Peacock, Condron, Anderson & Company 6851 Oak Hall Lane, Suite 300 Columbia, MD 21045 www.grow-with-pca.com Founded: 1998 |
James S. Peacock 410-720-5220 410-381-2524 fax |
Accounting, audit and tax services for business, not-for-profit organizations, and associations. QuickBooks, Y2K, mergers & acquisitions, small business services, marketing consulting, litigation and insurance claims support. |
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Progressive Factoring 2420 Florence Drive Westminster, MD 21158 www.mddcbiz.com/workingcapital Founded: 1994 |
Dennis Gilbert 410-751-5976 410-751-5978 fax |
Providing working capital and cash flow to help small to mid-sized businesses that desire growth and more efficient budget planning. |
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Provident Bankshares Corporation 114 East Lexington Street Baltimore, MD 21203 www.provbank.com Founded: 1886 |
Peter M. Martin Vicki Cox 410-277-7000 410-277-2768 fax |
A full service financial center offering personal checking accounts, savings, investment and insurance products, home equity loans, mortgages and commercial lending and deposit services. Branch in Gaithersburg. |
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Risk Management Associates 8970 Route 108, Suite B Columbia, MD 21045 www.relyonrma.com Founded: 1998 |
Charlie Baggett Vince Graosu 410-992-1910 410-992-1931 fax |
Provides high quality, cost-effective information security solutions. Consulting services include risk assessment, policy development, network designs, implementations, penetration testing and computer incident investigations. |
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Roberts Organizational Services, Inc. Crystal Heights Office Center 10015 Old Columbia Road, K143 Columbia, MD 21046 Founded: 1993 |
Beverly A. Roberts 410-381-8560 410-381-6910 fax |
Record management services to the financial industry, government agencies and non-profit sector. Organization of records systems, storage, creation of retention schedules and vital records identification. |
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Russell Resources P.O. Box 6001 Ellicott City, MD 21042 www.russell-resources.com Founded: 1995 |
JoAnn Linck 410-750-1992 410-750-3129 fax |
Specializing in financial counseling, daily money management and educational seminars for clients who have difficulty managing personal finances. Debt management and maintaining financial and investment records. |
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S.A. Funding Group, LLP 7476 Merrymaker Way, PMB 118-A Elkridge, MD 21075 www.safunding.com Founded: 1998 |
John J. Royo Frances Royo 410-379-6900 410-579-4750 fax |
We provide alternative financing, including debt, debt-free and equity forms of financing for businesses in growth or survival mode, especially those that do not qualify for bank financing. |
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Sheldon S. Kramer & Assoc., CPAs 10025 Gov. Warfield Pkwy., Suite 100 Columbia, MD 21044 www.ssk-cpa |
Sheldon S. Kramer 410-997-5544 410-997-5530 fax |
A full-service CPA firm providing financial statements, payroll services, corporate and individual tax return preparation, trust and estate tax returns, income tax and estate planning. |
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Snelling Personnel Services 9881 Broken Land Parkway Columbia, MD 21044 Columbia@jobs4u Jobs4u.com Founded: 1986 |
Linda Kaestner Carleen Pena 410-312-7850 410-312-7860 fax |
Recruit individuals with accounting, finance, administrative and graphic design skills and place them in direct hire, temp to hire, temporary and freelance employment opportunities. Offices in Timonium and Baltimore. |
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State Farm Insurance Companies 6325 H Washington Boulevard Elkridge, MD 21075 Founded: 1994 |
Mary E. Crow 410-379-6500 410-379-2662 fax |
Multi-line insurance agency featuring auto, homeowners, life, health and business insurance. We also offer long term care and medical supplemental policies. |
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Steve Walker And Associates 3060 Washington Road, Suite 200 Glenwood, MD 21738 www. stevewalker.com Founded: 1998 |
Steve Walker Stacey Sweeney 301-854-6850 301-854-6235 fax |
Steve Walker and Associates invest seed and early-stage money in technology companies with a sound business concept coupled with leading technology. |
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Strauss & Suit, P.A. 10480 Little Patuxent Parkway, Suite 400 Columbia, MD 21044 Founded: 1998 |
Rosalia B. Strauss 410-740-5660 410-740-8704 fax |
Certified public accountants providing business and individual clients with professional tax, financial and accounting services. |
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Susquehanna Bank 100 West Road Baltimore, MD 21204 Founded: 1897 |
Joseph R. Lizza Liz Wright 410-769-5423 410+769-5440 fax |
Personal and business banking services specializing in land acquisition and development financing, real estate financing. Susquehanna Mortgage Corp specializes in residential mortgage financing and construction loans. Branches in Baltimore, Anne Arundel, Carroll, Harford, Wicomico and Worcester counties. |
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Taking Care of Business, Inc. P.O. Box 773 Columbia, MD Founded: 1988 |
Lisa M. Berlin 410-730-6062 410-730-6062*51 fax |
Daily money management for individuals including debt and budget counseling, bill paying and assistance with medical insurance claims. |
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The Columbia Bank 10480 Little Patuxent Parkway Columbia, MD 21044 www.columbibank.com Founded: 1987 |
John M. Bond, Jr. 410-465-4800 410-465-0105 fax |
Founded in 1987, The Columbia Bank operates 23 branch banking offices in the Baltimore-Washington, D.C., region and provides a full range of financial services to consumers and businesses. Branches in Columbia. |
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The Financial Planning Association (FPA) P.O. Box 44 Riverwood, MD 21139 www.fpamd.org Founded: 2000 |
James Kenney Becky Baummer 410-296-1124 410-821-0001 |
An industry-wide organization providing exchange of knowledge and experience among professionals in all areas of financial services. |
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The Jim Rouse Entrepreneurial Fund, Inc. 9250 Bendix Road North Columbia, MD 21045 www.jref.org Founded: 1992 |
Anthony Tangires Mary Becker 410-313-6530 410-313-6531 fax |
The financing alternative to start-up and expanding businesses unable to obtain loans from traditional sources. |
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Valderas, August & Horowitz, P.A. 8840 Stanford Boulevard, Suite 1600 Columbia, MD 21045 Founded: 1994 |
Margaretha Valderas 410-290-0246 410-290-0245 fax |
Accounting and auditing, tax planning and compliance, estate and trust planning and compliance, business valuation, personal financial planning, business planning, mergers and acquisitions. |
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William C. Gardner 5052 Dorsey Hall Drive, Suite 102 Ellicott City, MD 21042 Founded: 1989 |
William Gardner 410-730-6500 410-964-1305 fax |
Part-time controller/CEO to small businesses as well as tax planning and preparation. |