Cari Elliot, CFP®

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Cari joined HB Wealth in January 2025 after working with WMS Partners since September 2021. She began her career with WMS Partners as an advisory intern and joined the firm full-time after graduating from Towson University in May 2022. As an Associate Wealth Advisor, Cari works closely with senior advisors to help develop and implement a client’s financial plan. In addition, she collaborates with the investment team and works on special projects.

Cari enjoys participating in volunteer events in the Baltimore area with her colleagues.

Cari earned her Bachelor’s degree in Business Administration with concentrations in Financial Planning and Marketing from Towson University. She is a CERTIFIED FINANCIAL PLANNER™ professional.

In her spare time, you will find Cari cheering on the Ravens and spending time with her family, friends, and dog.

Kyle Cotoia, CFP®

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Kyle joined HB Wealth in January 2025 after working with WMS Partners since October 2024. He supports the advisory team in the preparation and implementation of client applications and enrollment forms, gathering data regarding client financial information, preparing client meeting materials, tax coordination, and special projects as needed. He provides direct assistance to client advisors.

Previously, Kyle was a Client Services Specialist at an LPL advisor in Catonsville, Maryland.

Kyle earned his Bachelor’s degree in Finance and Accounting from the University of Maryland, College Park. He also completed Boston University’s Financial Planning program and is a CERTIFIED FINANCIAL PLANNER™ professional.

In his spare time, Kyle enjoys spending time with friends and family, playing in a local softball league, and golfing.

Tyler French

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Tyler joined HB Wealth in January 2025 after working with WMS Partners. As an Associate Wealth Advisor, he supports the advisory team in the preparation and implementation of client applications and enrollment forms, gathering data regarding client financial information, preparing client meeting materials, tax coordination, and special projects as needed. He provides direct assistance to client advisors.

Before joining HB, Tyler spent two years as an Investment Research Analyst at Founders Financial in Towson, MD. Prior to that, he spent a year with StepStone Group as an Investment Performance Analyst in the Venture Capital Group.

Tyler is a graduate of the University of Maryland, College Park. He earned a Bachelor of Science degree in Finance from the Robert H. Smith School of Business. While at Maryland, Tyler was in both the Banking and Private Wealth Management and the Emerging CFOs Fellows Honors Programs. Tyler is a Chartered Financial Analyst (CFA) Level II candidate.

Tyler currently resides in the Canton neighborhood of Baltimore and enjoys skiing, walking in the Inner Harbor, working out, and hanging out with friends.

Claire Huppert

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Claire joined HB Wealth in January 2025 after working with WMS Partners since July 2021, after graduating from college, and currently serves as an Associate Wealth Advisor, working closely with individuals and families to develop comprehensive financial and investment strategies. She takes pride in understanding the unique details of each client’s financial situation. Her deep familiarity with both her clients and the financial planning process allows her to be proactive in offering thoughtful solutions and responsive to their evolving needs. Claire is passionate about building strong relationships and helping clients feel confident in their financial decisions.

Prior to joining HB, Claire had a marketing internship, a communications internship, and a consulting internship.

Claire holds a Bachelor of Science in Economics with a double major in English from the University of Maryland. She was a member of the Honors College, where she participated in the Gemstone Program—a unique, multidisciplinary research initiative focused on team-based, long-term projects that address real-world challenges.

Claire enjoys spending quality time with her friends, family, and her golden retriever. An avid skier, she loves hitting the slopes whenever she gets the chance. She also finds joy in creative hobbies like sewing, and enjoys reading in her downtime.

Harrison Rafiq, CFA

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Harrison joined HB Wealth in January 2025 after working with WMS Partners since January 2022 and is currently an Associate Wealth Advisor. Harrison plays a key role in supporting the development and execution of comprehensive financial plans tailored to the unique needs of ultra-high-net-worth families. He collaborates closely with senior advisors and clients to gather financial data, analyze investment strategies, and coordinate estate, tax, insurance, and philanthropic planning efforts.

Harrison earned his Bachelor’s degree in Finance from Towson University. He is a Chartered Financial Analyst (CFA) and a member of the Baltimore CFA Society.

In his spare time, Harrison enjoys playing soccer, golfing, relaxing at the beach, and spending time with family and friends.

Timothy Riley, CFP®

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Timothy joined HB Wealth in January 2025 after working with WMS Partners since 2021, as a summer intern, and then came on full-time in July 2022. He works closely with other Analysts, Associates, Wealth Advisors, and Senior Wealth Advisors to deliver comprehensive financial planning to our Family Office clients. Timothy recently passed the CFP® exam and looks forward to growing as a planner and continuing to provide a white-glove client experience with his colleagues.

Timothy earned his Bachelor’s degree in Economics with a concentration in Finance from Virginia Tech. He is a CERTIFIED FINANCIAL PLANNER™ professional.

Timothy is an avid Baltimore sports fan, enjoys travelling, and is looking forward to marrying his fiancée, Emily, next August.

Paul Ha, CFP®

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Paul joined HB Wealth in January 2025 after working with WMS Partners since June 2021. As an Associate Wealth Advisor, Paul supports the advisory team in areas such as cash flow analysis, investment management, and holistic financial planning. He plays a key role in helping ensure that clients’ financial strategies are well-coordinated and aligned with their goals. His attention to detail and understanding of clients’ needs support the delivery of timely and strategic financial guidance.

Prior to joining HB, Paul was a Support Financial Advisor with Klauenberg Retirement Solutions.

Paul holds a Bachelor’s degree in Business & Economics from Wheaton College. He is also a CERTIFIED FINANCIAL PLANNER™ professional.

In his free time, Paul enjoys spending time outdoors with loved ones, including frequent park visits and hikes with his dog. He appreciates staying active and making the most of nature and fresh air.

Onyi Okoroafor

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Onyi joined HB Wealth in April 2025 as an Associate Wealth Advisor. He assists Wealth Advisors in developing comprehensive financial strategies and building long-term relationships as they look to achieve their financial goals.

Prior to joining HB, Onyi spent more than a decade as a management consultant. His work focused on growth, strategy, and innovation for a variety of clients across industries.

Onyi spends some of his spare time working with a local nonprofit and enjoys coaching both youth and college soccer in the area.

He earned his Bachelor’s degree in Finance from Washington University in St. Louis. He then went on to receive his MBA from the Booth School of Business at the University of Chicago.

In his spare time, Onyi enjoys spending time with his wife and two kids, endurance exercise, and leisure reading.

Sam Callard, J.D.

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Sam joined HB Wealth in January 2025 as a Senior Wealth Advisor and member of the private investments team after working with WMS Partners since August 2016. Sam works with numerous families on all aspects of their financial lives, including helping manage their investment portfolios, analyzing cash flows, advising on life and property insurance, and serving as a partner in the oversight of myriad other components of clients’ financial pictures. Having become a wealth manager from another profession (corporate lawyer), Sam prides himself on being an independent thinker when it comes to solving problems for clients. He finds himself equally comfortable explaining “words” (e.g., legal documents) to clients as he is walking clients through “numbers” (e.g., performance metrics).

Before joining HB Wealth, Sam was Vice President at Matheys Lane Capital Management L.P., a multi-family office based in Providence, Rhode Island. In 2021, Matheys Lane was purchased by SCS Financial, which is headquartered in Boston. During his six years at Matheys Lane, Sam worked with client families on all aspects of their balance sheets, investment portfolios, and estate plans; he also led the due diligence and monitoring processes in connection with all manner of private investment funds, including private equity funds, venture capital funds, and hedge funds. Prior to Matheys Lane, Sam was a practicing corporate attorney at Seward & Kissel LLP, a law firm in New York City. There, he represented hedge funds and investment advisers to hedge funds.

Since 2022, Sam has served on the Board of Trustees of the Baltimore Museum of Art (BMA) as a member of the BMA’s Investment Committee. Since 2023, he has served as the Chair of the Investment Committee.

Sam has a J.D. cum laude from Boston University School of Law and a Bachelor of Arts from Haverford College. In addition, he is a member of the New York State Bar. Sam has passed Level II of the CFA examination.

In his spare time, Sam enjoys spending time with his wife (an elementary school music teacher) and two daughters. His hobbies include trying to read all the periodicals he subscribes to, running, watching a significant amount of men’s and women’s professional tennis, actually playing tennis, as well as fun trips and meals with his family. New York City, Paris, and Providence, Rhode Island, are some of his family’s favorites.

Lesa Crosser, AWMA®

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Lesa joined HB Wealth in January 2025 after working with WMS Partners for 14 years. Lesa works with clients to develop comprehensive investment and cash flow strategies to meet their short and long-term needs and objectives, and to design and evolve tax and estate plans to fulfill their legacy intentions.

While at WMS Partners, Lesa spent many years working with high-net-worth individuals and families, advising clients and contributing to the firm in various leadership and committee roles. She began her wealth management career working with clients at Legg Mason in Baltimore, and also spent time advising individual and institutional clients at Citigroup Smith Barney.

Lesa is passionate about service and giving back to the community. She has led financial workshops for graduating college seniors and workshops providing practical financial and investment education to students. Lesa supports Caroline Center, a Baltimore non-profit helping women transform their lives. She is a past Board Member and former Chair of the Investment Committee. She also served on the UMMS St. Joseph Medical Center Advisory Council. Lesa is active in her church and community, volunteering and supporting St. Margaret School and community outreach projects.

Lesa is an Accredited Wealth Management Advisor (AWMA®), which encompasses comprehensive planning and investment management expertise.

Lesa adores spending time at the beach and in the mountains. While she relishes a good book, she is an outdoor enthusiast and enjoys hiking, kayaking, fishing, boating, and lots more as long as it’s under a big blue or starry sky. Lesa is also fond of preparing delicious cuisine and pairing courses with interesting wines and is famous in some parts for her Chesapeake and Southern culinary comfort creations. One of Lesa’s greatest pleasures is traveling with her family, exploring new destinations, and celebrating new adventures.

Gosia Elashmawy, CFP®

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Gosia joined HB Wealth in January 2025 as a Shareholder and Senior Wealth Advisor after working with WMS Partners since 2011. Gosia collaborates with clients to develop holistic, personalized financial plans to help them achieve their personal and financial goals. She utilizes her personalized approach to understand clients’ unique circumstances and develop a plan that aligns with their specific needs. Gosia specializes in cash flow and retirement planning and helps families make appropriate decisions for their financial future.

Gosia joined WMS Partners as an intern and has progressed to become a Senior Advisor and Shareholder.

Gosia is involved in the FPA of Maryland and is a co-chair of their Pro-Bono Committee. She also volunteers with Savvy Ladies, helping women with their financial planning questions.

Gosia earned her Bachelor’s degree in Business and Management from The Carey Business School of Johns Hopkins University. She is a CERTIFIED FINANCIAL PLANNER™ professional.

Jackson Finigan III, CFP®

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Jackson joined HB Wealth in January 2025 after working with WMS Partners since 2023. He works with families on cash flow planning, estate and wealth transfer strategies, and investments.

Before joining HB, Jackson and his wife lived in NYC, where he worked for wealth management groups at J.P. Morgan and Wells Fargo Advisors.

Jackson has volunteered and worked with Harlem Lacrosse, the Ulman Foundation, and the Willie Fund.

Jackson earned his Bachelor’s degree in Finance from the University of Delaware and his MBA with a major in Finance from the University of Delaware. He is also a CERTIFIED FINANCIAL PLANNER™ professional. He was a Division 1 lacrosse player for the University of Delaware and a 3-time captain for the program.

In his spare time, Jackson enjoys golfing and spending time with friends and family, including his wife and daughter. He is also an avid Boston sports team fan.