Putting knowledge and experience to work

In 1994, Jennifer embarked on her career in financial services, driven by a passion for helping goal-oriented individuals achieve financial success through strategic wealth planning and preservation. As a CERTIFIED FINANCIAL PLANNER^® professional, she specializes in comprehensive wealth management, encompassing asset management, estate planning, insurance, and liability management strategies. 

Jennifer's background in a family-owned small business gives her insight into the needs and concerns of business owners. She dedicates a significant portion of her practice to addressing corporate financial needs, including retirement plans, cash balance plans, cash management strategies, liability management, succession planning, and employee education. Her practice is also focused on providing financial education and wealth management services to women investors. From 2003 to 2008, Jennifer shared her financial expertise through her monthly column "Financial Intellect" for Smart Woman Magazine. Her insights have also been featured in the Baltimore Business Journal and The Daily Record. 

She has also earned the Five Star Wealth Manager Award* in  2014, 2016, 2017, 2019, 2020, 2021, 2022, 2023, 2024, 2025 and 2026.

Jennifer has earned several specialized credentials to support corporate retirement plan sponsors:

CERTIFIED FINANCIAL PLANNER^® professional.  To earn her CFP^® certification, Jennifer completed hundreds of hours of rigorous courses and examinations. These courses were followed by a comprehensive examination administered according to the Certified Financial Planner Board of Standards.

Certified Retirement Planning Specialist (CRPS^SM). To earn this designation, Jennifer completed a comprehensive course of study on the design, installation, maintenance, and administration of corporate retirement plans.

Chartered Retirement Plan Counselor^® (CRPC^®). This credential focuses on understanding clients' needs before and after retirement. As a CRPC^® professional, Jennifer excels in client-centric problem-solving, assisting clients with the entire retirement planning process, including multiple financial objectives, retirement income sources, personal savings, employer-sponsored retirement plans, tax-efficient investing, retirement cash flow needs, asset management, and estate planning.

Qualified Plan Financial Consultant^® (QPFC^®).  This designation highlights Jennifer’s expertise and commitment to working with retirement plans, enabling her to act as a plan fiduciary or assist 401(k) plan sponsors in managing their roles and responsibilities.

Jennifer is involved in her community including serving the following organizations:

• MD/DC Oncology Foundation – past President

• NBOCC (National Breast and Ovarian Cancer Coalition) - past board member

• Center Club in Baltimore – past membership committee

• Annapolis Yacht Club – past house committee

She has contributed to scholastic programs at Severn School in Severna Park as a guest speaker at Career Day and participated in Roland Park Country School's "Kaleidoscope" educational programs.

As the practice has grown, Jennifer now serves clients from both the Maryland and Ft. Lauderdale offices. Outside the work, she spends time with her husband, Pete, and their mini labradoodle, Latte. Together, they enjoy winter ski vacations in the mountains and summer weekends on their boat.

CA Insurance License Number: 0M08649. Resident State FL.


* 2026 FIVE STAR WEALTH MANAGER

This award was issued on 1/1/26 by Five Star Professional (FSP) for the time period 4/10/25 through 10/01/25. The Five Star Wealth Manager award was issued by Five Star Professional (FSP). Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. 2446 Baltimore-area wealth managers were considered for the award; 217 (9% of candidates) were named 2025 Five Star Wealth Managers. Visit www.fivestarprofessional.com. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria.

2025 - This award was issued on 1/1/25 by Five Star Professional (FSP) for the time period 4/10/24 through 10/31/24. 2389 Baltimore-area wealth managers were considered for the award; 254 (11% of candidates) were named 2025 Five Star Wealth Managers.

2024 - This award was issued on 01/01/24 by Five Star Professional (FSP) for the time period 04/10/23 through 10/31/23. 2,149 Baltimore-area wealth managers were considered for the award; 259 (12% of candidates) were named 2024 Five Star Wealth Managers.

2023 - This award was issued on 01/01/23 by Five Star Professional (FSP) for the time period 04/18/22 through 10/21/22. 2,126 Baltimore-area wealth managers were considered for the award; 256 (12% of candidates) were named 2023 Five Star Wealth Managers.

2022 - This award was issued on 1/1/2022 by Five Star Professional (FSP) for the time period 5/1/2021 through 11/12/2021. 2,078 Baltimore area wealth managers were considered for the award;260 (13 percent of candidates) were named 2022 Five Star Wealth Managers. 

2021 - This award was issued on 1/1/2021 by Five Star Professional (FSP) for the time period 4/1/2020 through 11/13/200. 12,029 Baltimore-area wealth managers were considered for the award; 237 (12% of candidates) were named 2021 Five Star Wealth Managers.

2020 - This award was issued on 01/1/2020 by Five Star Professional (FSP) for the time period 04/1/2019 through 11/13/2019. 1,898 Baltimore wealth managers were considered for the award; 234 (12% of candidates) were named 2020 Five Star Wealth Managers.

2019 - This award was issued on 01/1/2019 by Five Star Professional (FSP) for the time period 04/19/2018 through 11/7/2018. 1,865 Baltimore wealth managers were considered for the award; 265 (14% of candidates) were named 2019 Five Star Wealth Managers.

2017 - This award was issued on 01/1/2016 by Five Star Professional (FSP) for the time period 03/26/2016 through 3/26/2016. 1,093 Baltimore wealth managers were considered for the award; 355 (32% of candidates) were named 2017 Five Star Wealth Managers.

2016 - This award was issued on 12/1/2015 by Five Star Professional (FSP) for the time period 06/06/2015 through 11/09/2015. 1,215 Baltimore wealth managers were considered for the award; 356 (29% of candidates) were named 2016 Five Star Wealth Managers.

2014 - This award was issued on 01/1/2014 by Five Star Professional (FSP) for the time period 06/16/2013 through 11/9/2013. 1,484 Baltimore wealth managers were considered for the award; 395 (27% of candidates) were named 2014 Five Star Wealth Managers.

Hearsay/Business Text:  954-231-2002

Denise is responsible for meeting the administrative and operation needs for the team.  Her primary focus is on delivering superior client service and providing a quality experience for all clients.

Denise has been a professional in the financial services industry for 27 years and started her career in 1997 with PaineWebber in Hunt Valley, Maryland as a Client Services Assistant. Soon after in 1999, Denise began working with Jeff Strzelczyk when he was called on to manage the PaineWebber/UBS Financial Services Inc. Denise was the Office Branch Administrator from 1999 to 2002, then she transitioned to her role as the Senior Client Services Associate.

In September 2008, Denise joined Morgan Stanley and continued in her role as Senior Client Services Associate until 2015. Since 2015, Denise has been serving as the Senior Client Associate at Wells Fargo Advisors in Hunt Valley, Maryland.

Denise resides in New Freedom, Pennsylvania with her husband John of 26 years, and is the proud mother of two children.