David is the President of Frederick Financial Group, an independent financial planning agency located in Frederick, Maryland. 

Frederick Financial Group is comprised of 3 subsidiaries:  

• Frederick Advisors - a fee only investment management and financial planning firm,
• Liberty Insurance - an independent insurance brokerage firm,
• Frederick Tax Pros - an in-house tax preparation and planning agency.

Our unique business model enables Frederick Financial Group to offer a greater number of overall financial planning and management services than many other firms in the area.

David began working in the financial services industry in 2001 after a 20 year military career.  He is dual registered as an investment adviser representative (IAR) and an independent insurance broker.  He currently hold the Life Underwriting Training Council Fellow (LUTCF) and Financial Services Specialist (FSS) professional designations.

The Investment Adviser Representative securities license is currently the only securities license that carries with it the stated, legal requirement to act as a fiduciary.  That means that by law, David can only offer suggestions and recommendations that are in my clients’ best interest!

He grew up in King of Prussia just outside Philadelphia, PA and graduated from West Chester University in West Chester, PA. He joined the Army in 1977 and during his military career he was stationed in many U.S. cities, Europe and Japan.  While at Fort Knox, KY, David struck gold when he had the great fortune to meet and marry his wonderful wife Janice.  A few years later they were blessed with the birth of their beautiful daughter Sarah.  Their hobbies include woodworking and gardening.  Sarah is aspiring to become a science fiction writer, does her own anime art work and is a huge Steampunk fan. 

David's life experiences taught him that you cannot underestimate the importance of proper planning and saving today to ensure a secure and comfortable tomorrow!  Today, his passion is helping clients achieve their goals utilizing a unique approach that incorporates the latest skills and technology to create a comprehensive financial plan.

Recognized multiple times as Frederick’s Agent of the Year by the National Association of Insurance and Financial Advisors, David has made appearances on local television programs Young at Heart, Contemporary Retirement and public radio programs.  He has published a variety of articles in the Frederick News Post, The Guide to Retirement Living Magazine and given over one hundred local presentations on the topics of retirement planning and wealth preservation.  David is a member of these organizations:

• Financial Services Specialist (FSS)
• Ed Slott's Elite IRA Advisor Group
• Life Underwriting Training Certified Fellow (LUTCF)
• The National Ethics Association
• The Financial Planning Association

Investment Adviser Representative of, and investment services offered through Royal Fund Management, LLC, an SEC Registered Investment Adviser.