Our planners work as a team to provide clients comprehensive financial, retirement, investment, business succession and estate planning.

Baltimore Life insures more than 300,000 individuals, families and business in communities all across America. We deliver products and services that provide financial protection to the middle-income segment of the U.S. population.

The words Hamr & Hugr are taken from the Old Norse language commonly spoken by Scandinavian countries in the 12th century.  Hamr (Ham-mer) literally translates to “shape” or “skin” and is what one would use to refer to the body.  Hugr (H?-ger) translates into “thought” or “mind” and would often be used to reference the cognitive process.  Together they form the basis of my training philosophy which roughly translated is body & mind. I believe it is imperative to train both in order to achieve the best desired result for the individual.

We offer fitness and wellness solutions for large and small businesses in Carroll and Howard County.  Any employer knows that the cost of health insurance is sky rocketing, missed work days now account for more than $225 billion dollars in lost productivity.  Research shows that companies that add wellness programs to their benefits package see a decrease in missed work days, an increase in productivity, and lower insurance costs.  There has even been correlations found between worker health and a companies stock price.  Let me help your company design a wellness program that fits your needs.  This ranges from building a fitness center in your headquarters to having a monthly fitness assessment with your employees.

Why invest in workplace wellness?
114% – Increase in health insurance premiums for a family of four, since 2000
$17,545 – Average premium for employer-sponsored health plan for a family of four in 2015 (up 4 percent from 2014)

62 – Percentage of insured Americans who get their coverage through workplace health plans