Frank L. Brittingham
Co-Founder, Investment Advisor Representative
410-546-0911, ext. 101
Frank is a co-founder of Comprehensive Financial Solutions (CFS) and holds a B.S. from Elizabethtown College (Elizabethtown, PA). He is a Registered Representative and Investment Advisor Representative through Cetera Advisors LLC. Frank has over 28 years of experience in the financial services and insurance industry. He specializes in risk management, allocation strategies, and developing adequate investment income for retirees. Frank is a State of Maryland licensed insurance agent (Health, Life, and Variable). In his time away from the office, Frank enjoys fishing, boating, hunting, and cooking.
Bruce W. Robson, CFP®, AIF®
Co-Founder, CERTIFIED FINANCIAL PLANNER™
410-546-0911, ext. 106
Bruce is a co-founder of Comprehensive Financial Solutions (CFS) and attained the CFP® certification in 1994 and the AIF® designation in 2016. He is a CERTIFIED FINANCIAL PLANNER™ certificant, an Accredited Investment Advisor®, Registered Securities Principal, Investment Advisor Representative, and a Licensed Insurance Agent. He is the past Chair of the Advisors Council for the Financial Services Institute, Inc. (Washington, DC). Bruce has three children and resides in Salisbury, MD with his wife Susan. He enjoys anything involved with the water and gardening. Bruce is active with the Salisbury Horizons Academic and Summer Enrichment Program and a member of the Wicomico Environmental Trust.
Michael J. Sise, CFP®, AIF®, CRPC®
CERTIFIED FINANCIAL PLANNER™
410-546-0911, ext. 104
Michael J. Sise, a graduate of Stephen Decatur High School and Liberty University began his career as a financial advisor in 2013. In his first five years in the business, Michael became a CERTIFIED FINANCIAL PLANNER™ professional, as well as achieving his Accredited Investment Fiduciary® (AIF®) and Chartered Retirement Planning Counselor (CRPC®) designations. Serving as planning specialist and lead strategist on the CFS Investment Committee, Michael has excellent perspective of the granular details of our client relationships, as well as a strong grasp of the overall trends of our portfolios and investment philosophy. Michael works as an adjunct professor at Salisbury University’s Perdue School of Business, teaching Retirement Planning. Michael lives in Berlin with his wife Allison, and their daughter Magnolia.
J.D. Schroen, CPA
CPA, Investment Advisor Representative
410-546-0911, ext. 107
J.D., a Salisbury native, received his B.A. in Accounting from Asbury College (Wilmore, KY). After graduating, he spent the next several years working in the finance and accounting fields in Lexington, KY before moving back to Salisbury. He joined CFS in 2001 as a financial advisor and was also tasked with growing CFS’ tax department. J.D. received his investment series 6 & 7 registrations in 2001 and the CPA designation in 2003. J.D. is active in his church and various community outreach programs. He currently resides in Salisbury with his wife Jenny and four children and is an active cyclist and snow skier.
Andrew H. Benjamin
410-546-0911, ext. 110
A Salisbury Native, Andrew has been involved in the insurance business for over 20 years. He specializes in long-term care insurance, life and disability insurance, and individual and group health insurance. Andrew has helped a considerable number of CFS clients for the last sixteen years in the area of long-term care insurance. In February 2011, he relocated his office to CFS and founded CFS Insurance Solutions with the idea of making CFS a venue where clients could not only receive expert financial and accounting services, but also address all their insurance needs. Andrew has access to all major insurance carriers. His ability to educate his clients regarding insurance coverage coupled with outstanding services brings him many referrals and repeat business. Andrew works closely with attorneys and other advisors and is very familiar with community resources. He is always available to talk about any questions or concerns regarding your insurance policies.
Your Client Service Associates
Sandra M. Hearne
Director of Client Services
410-546-0911, ext. 103
Sandra has been with CFS since January 2000 and has worn many hats. As Director of Client Services, Sandra’s main focus is on compliance, maximizing client fulfillment and client retention, coordinating communications and providing a pleasurable atmosphere for both staff and clientele. She also serves as Bruce W. Robson’s Executive Administrator. Before beginning her career with CFS, she served as Chief Administrator for a local accounting firm. Sandra and her husband Ted, reside in Salisbury, MD. They enjoy camping, attending estate auctions and concerts, but mostly love spending time with their family and friends.
Client Service Associate
Lisa B. Hickman joined CFS, Comprehensive Financial Solutions, in January of 2017 as an assistant in the Tax Department. After 2 years of working part-time with J.D. Schroen, CPA, she joined the staff full-time as a Client Service Associate to Frank L. Brittingham, Investment Advisor Representative, and Michael J. Sise, CFP®, AIF®, CRPC®. Lisa’s previous work experience included being a Certified Ophthalmic Technician and Retinal Photographer at Peninsula Eye Center, where she was employed for almost 20 years. She took a break from working to finish raising her two boys, who are now grown. Her oldest son is a Financial Planner for the Cancer Institute at the University of Pittsburgh, and her youngest is a CPA for a large accounting firm in Denver, Colorado. Lisa is community oriented and likes to volunteer her time with several charitable organizations. When she isn’t working, volunteering, or spending time with her family, she can be found with her nose in a book or cheering on her “other” boys, the Washington Capitals.
Shelly M. Mullins
Client Service Associate
410-546-0911, ext. 111
Shelly M. Mullins joined CFS Comprehensive Financial Solutions in January 2009 as our Tax Receptionist. As our company has grown, she now serves as our Director of First Impressions and Executive Administrator to J.D. Schroen, CPA. As Executive Administrator to J.D. Schroen, CPA, Shelly is responsible for a vast array of administrative tasks as well as assuring investment and tax clients receive the highest satisfaction possible. Standing as a self-motivated, energetic individual, serving as our lead Director of First Impressions, Shelly provides a friendly and professional point of contact for all Comprehensive Financial Solutions (CFS) clientele. Shelly's top priority is to provide an exceptional customer service experience. Prior to joining CFS, she was employed by the Phillips family at Phillips Men Shop as a Sales Associate here in Salisbury, MD for over 6 years. Shelly is a long time Worcester County native, Shelly resides in Berlin, MD with her husband Andy.
Client Service Associate
Liz Brittingham graduated Flagler college in 2017 with a double major in Accounting and Business Administration. Prior to her employment at CFS she was a first mate on the “Get Sum” based out of Ocean City, Maryland. During her seven years as a mate she earned her United States Captain’s License at the age of 19. In her free time, she enjoys spending time with her friends, traveling, fishing and being out on the water.