Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

I have been serving clients in the financial industry for over three decades. Prior to bringing my practice to Bull Harbor Capital, I was a financial advisor at MONECO Advisors, Barnum Financial Group and Strategies for Wealth. Before finding my passion for financial planning, I  founded and was a risk management specialist at two hedge funds and worked as a derivatives specialist at several investment banks covering hedge funds and money managers. I have a Series 66 securities license and am licensed to work with clients seeking life, health, and property & casualty insurance.

I earned my MBA in Investment Management at the University of Virginia’s Darden School of business, where I proudly served as Presiding Partner of the school’s investment fund and President of the Investment Club. Prior to attending business school, I worked as an engineer after earning degrees from the University of Virginia (M.A., Biomedical Engineering) and State University of New York at Buffalo
(B.S., magna cum laude, Chemical Engineering).

I reside in Fairfield, Connecticut with my lovely  wife, Carolyn, and we most enjoy visiting and spending time with our four children, Justin, Brian, Severin, and Mackenna. I'm an avid golfer, platform tennis player,
and reader of all things relating to finance, history, and economics.

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Clarence “Clay” Goldsborough, Jr. joined FFG in 2012 and has consistently been one of its’ top financial professionals, winning numerous awards and industry recognition. Indeed, Clay was the first associate in FFG’s history to achieve the status of Chairman’s Council and was the first African American to achieve Chairman’s Council with his former company's 153-year history.

Clay has helped build First Financial Group into one of the premier Financial Services Firms in the Mid-Atlantic Region. Clay strongly believes in helping Families establish generational wealth and creating more certain financial futures. His greatest passion is building relationships and creating meaningful connections in his Community.

Prior to joining FFG, Clay was Director of Business Development with Northwestern Mutual in 2010. He was responsible for expanding the Advisor base and enhancing the Firm’s brand in untapped minority markets. After college, Clay began his career in sales at Fortune 500 computer software and IT companies. Realizing his entrepreneurial tendencies, Clay founded and managed several successful real estate investment/ consulting companies.

Clay received a Bachelor of Science Degree in Biology from Hampton University and has completed many Executive development programs over the years. In his spare time, Clay enjoys spending time with his Wife Adrian and their two Sons, Ethan and Evan; he and his boys are avid golfers. He and his Family reside in Potomac, Maryland. He is a member of Sigma Pi Phi Fraternity, Kappa Alpha Psi Fraternity, Inc. and the Century Club, LTD. He presently sits on the Board of the Williams-Franklin Foundation. 

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Colin started his career in financial services with MassMutual in 2004 after working in the telecommunications industry. He co-founded a financial services firm, Veritas Financial, in 2013 where he continued to grow his practice and serve his clients using fee-based financial planning, the majority of which are business owners and executives. In 2019, together with Peter Glassman, he formed Wealth Insight Partners, a boutique wealth management firm focused on smart and discerning clients who value a customized client experience. 

Colin is a graduate of the University of Massachusetts, Amherst. He is a Certified Financial Planner™ Professional and holds the Certified Family Business Specialist (CFBS) designation. For several years, Colin has been awarded Washingtonian Magazine’s distinction as one of the area’s Best Financial Advisors. In addition, he was awarded one of Bethesda Magazine’s Top Financial Professionals in 2022. Colin is currently President of the MassMutual Advisors Association, a volunteer position representing the over 7500 financial advisors that are part MassMutual Financial Advisors. He is also a member of the CFP Board, Finseca and NAIFA – all industry organizations that help promote and advocate for the work that Colin does with his clients.

He is actively involved in Leadership Greater Washington (Class of 2014), and is a past member of EODC, the Entrepreneurs Organization for business owners in the DC area, where he was a board member. Colin currently serves on a non-profit board for Alternative Paths Training School, a school that focuses on children with developmental disabilities, is a member of the admissions committee at Congressional Country Club, and was a board member and board chair for For Love Of Children (FLOC), which provides after school programs for underprivileged children.

Outside of work, Colin is an avid automobile racer, CrossFitter, golfer and a big fan of live music and sporting events. He resides in Bethesda, MD, with his wife, Suzanne (who joined Wealth Insight Partners in 2018 to support with business operations and strategy), and their three children, Jackie (14), Sean (11), and Charlie (9).

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Drew's philosophy is simple; educate, empower, enhance. He teaches his clients how to maximize their financial confidence and move towards their ultimate goal of financial freedom. Just married? New parents? College planning? Ready to retire? It doesn’t matter where you are in your financial journey, Drew is passionate about helping his clients define and achieve their financial goals and has been able to see the impact he has had on his clients’ lives.  The satisfaction he receives from helping families protect assets, grow wealth, and achieve their financial dreams inspires him to help more families do the same.

Drew joined First Financial Group in 2019, working out of the firm’s headquarters in Bethesda, MD. Before entering the financial industry, he was a PGA professional with over a decade of working at the area's premiere private country clubs. He currently lives in Clarksburg with his wife Ashley, and their four children: Mia, Hudson, Lincoln, and Addison.

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Conversations about money are often just about... money. Your financial journey is not a series of transactions; it's how you use the resources you have gathered along the way to do the things that are most important to you. Your needs, circumstances, and desires evolve over time, and everyone deserves a trusted circle of experts around them, committed to their growth, prosperity, and protection at every turn.

We help people build a solid foundation for their lives and the generations after them because a good life doesn't have to happen by chance; it happens by design.

Prior to joining First Financial Group, I gained a wealth of experience working at financial services organizations, government agencies, and entrepreneurial incubators, holding leadership roles at Capital One, the General Services Administration (GSA), and SEED SPOT. I also started a non-profit focused on advocating for high-quality STEM education and helped co-found the Washington Leadership Academy, a public charter high school in Washington, D.C.

These experiences taught me how to develop systems to create things that last, no matter the starting point. I aim to use those same lessons to help my clients craft legacies that will stand the test of time.

The power of proper planning, combined with proven systems and guardrails, helps ensure that the future you want is always in your control. Working with me is a partnership where I help you reach the future you want more reliably and faster than you could on your own. My goal is to become a lifetime resource for every client I serve, as I am dedicated to making a difference in people's lives.

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Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

I am a Wealth Management Advisor with over 20 years of experience in the Financial Services Industry. Originally from Smithfield, VA, I moved to Washington, DC to attend Howard University where I received my BBA in Finance. Upon graduation, I accepted a position with the Freddie Mac. In order to satisfy my desire to further my education, I decided to pursue my MBA. Two years later I returned to Howard University where I earned a MBA with a Concentration in Finance.

Following the completion of my MBA, I accepted a position with PricewaterhouseCoopers in the Washington Federal Practice. I spent four years with PwC before joining Ernst & Young’s Government and Public Sector Practice. It was while working with these two companies that I had the opportunity to serve as a consultant to some of our country's largest government agencies and Fortune 500 companies.

In May 2012, I decided that my educational background and passion to help others would be best utilized in the financial planning arena and joined Northwestern Mutual Wealth Management Company as a Financial Advisor. In this role, I help my clients and their families achieve financial security through a variety of planning strategies. I currently manage a book of business with over 400 clients across the United States. It is my mission to help my clients build, protect, and maintain generational wealth through strategic and tax efficient financial planning. 

Early in 2023, I joined First Financial Group, a boutique financial planning firm based in Bethesda, MD, that has been working with business owners, executives, and other professionals for over 40 years.

Specialties: Wealth Management | Financial Planning | Retirement Strategies | Planning for Business Owners

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Lloyd is the CEO of First Financial Group (FFG), one of the largest independently owned financial services firms in the Mid-Atlantic. With the simple philosophy of helping people live better lives, First Financial Group has been protecting and building the wealth of Washingtonians for over 30 years.

As a business owner, Lloyd lives with and truly understands the unique set of challenges and opportunities of local entrepreneurs and business owners. Our Business Strategies Group and First Financial Group Benefits are focused on helping small to mid-sized businesses meet those challenges and leverage those opportunities.

Lloyd cares deeply about helping people find financial independence and live better lives. If this resonates with you, please reach out to Lloyd -- he is always looking for like-minded individuals to join our firm.

Preparing for the next step in life isn’t always easy. I provide total financial needs analysis through a network of experienced professionals with detailed knowledge in: retirement income solutions, estate strategies, employee benefit and retention services, business continuation strategies, and trust services.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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Matt works with high and ultra high net worth business clients to bring together the right team of advisors and affiliated Subject Matter Experts to serve their advanced business planning needs. 

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Michael founded Woodmont Wealth out of a desire to enhance and expand  his clients' experience, with the resources of the industry’s leading financial institutions, to offer a more sophisticated and robust platform that focuses not only on where you are, but where you aspire to be.

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With over 32 years helping his clients live their best financial lives, Mo’s philosophy is simple. He teaches his clients how to maximize their financial confidence and move towards their ultimate goal of financial independence. Just married? New parents? College planning? Ready to retire? It doesn’t matter where
you are in your financial journey, Mo is passionate about helping his clients define and achieve their financial goals. Throughout his career, Mo has been able to see the impact he has had on his clients’ lives. The satisfaction he receives from helping families protect assets, grow wealth and achieve their financial dreams inspires him to help more families do the same.

Mo has been a member of the First Financial Group for over 28 years. He has consistently earned recognition through his former broker dealer Park Avenue Securities' and Guardian’s Leaders Club and Executive Club Awards as well as many FFG service awards including Associate of the Year. Mo is a member of the Million Dollar Round Table Award (MDRT), an organization representing the world’s top 4 percent of financial advisors who possess the highest standards of ethics, knowledge, service and productivity.

Mo grew up in Hingham, Massachusetts and Rockville, Maryland. He graduated from St. Mary’s School, Gonzaga College High School and the University of Maryland - College Park. He lives in Chevy Chase with his wife Peggy and his children, Caroline, Grace, Quinn and his dog, Beau. During his free time, he likes to spend time with his family in Bethany Beach or Lake Anna. He also enjoys playing golf, coaching football and basketball, fishing, hunting and going to the movies. Mo is an active member of St. Mary’s Church.

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I offer a range of financial strategies to help you set financial goals or achieve financial goals you may already have. I work with small businesses, people of all ages, situations, lifestyle, and income brackets. My philosophy is to protect everything you earn, implement a plan that works in any situation, and make sure you always have uninterrupted cash flow.

I worked for thirteen years for nonprofit and government agencies in public health, senior health, food access, food retail business consulting, and nutrition education in low-income communities. In 2018, I was a guest speaker at the National Association of Convenience Stores where I discussed healthy food marketing. In 2019, I was a panelist at the U.S. Capitol Food Tank Summit to talk about food as medicine, food insecurity, and social disparities.

My passion has always been helping people improve their health and living circumstances. Having worked with low income populations my whole life, I’ve seen the struggles that people go through and a lack of financial guidance was a major factor. I made the decision to switch from helping people change health behaviors to changing financial behaviors and teaching financial fluency.

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Sean joined First Financial Group (FFG) in 2008 as a Financial Representative. He developed a strong practice, earning back-to-back firm sales awards; however, given his entrepreneurial background, Sean turned his attention to leadership and the strategic growth of the firm. 

Entering the management track at FFG as a Sales Manager in 2010, Sean quickly discovered his innate ability to source and recruit individuals who would excel and go on to become the company’s top advisors. Taking on the responsibilities of Executive Vice President of FFG in 2015, he was a key contributor to the firm’s 300% growth in areas of productivity, revenue, and talent. Along with facilitating the rapid growth of the company, he aided in the expansion of First Financial Group’s footprint from two core offices into eight locations across the mid-Atlantic. Serving on FFG’s leadership team as President, he oversees multiple facets of the business, including talent acquisition, training and development, and finance 
 
He has spearheaded FFG’s community outreach program fostering a culture of giving throughout the company with matching funds and organized volunteer efforts for great organizations like Habitat for Humanity, DC Central Kitchen and Wreaths Across America. He is a member of NAIFA, GAMMA, AALU and was recently named one of NAIFA's 4 under 40, an honor given to the best and brightest in the industry. Sean has been featured in the NCAA’s “After the Game” web series highlighting excellence after college.

Tim Tillman is a mission-driven financial coach committed to making a meaningful difference in people’s lives. With the support of a team of professionals, Tim guides clients in achieving their financial goals, offering personalized advice tailored to each client’s needs and priorities. By taking the time to understand what matters most to his clients, Tim forms strong relationships that allow him to identify their financial objectives, address concerns, highlight progress, assess potential risks, and provide solutions to help close any gaps.

Prior to joining FFG, Tim had an extensive career in the Commercial Real Estate finance sector. Most recently, he served as Senior Vice President and Institutional Relationship Manager at US Bank. Tim’s prior experience spans capital markets, finance, and treasury roles at both publicly traded and private equity commercial real estate firms. He began his career working in investment banking with Bank of America and Credit Suisse.

Born and raised in Charlotte, NC, Tim graduated Cum Laude from North Carolina Agricultural and Technical State University with a degree in Business Finance. He earned his Master of Business Administration from the Ross School of Business at the University of Michigan. Tim now lives in Northwest DC with his wife and son, where he enjoys spending time with his family in Rock Creek Park, staying active through exercise, and playing sports like golf. Tim is also a proud member of Kappa Alpha Psi Fraternity, Inc. and he serves as a Trustee at Shiloh Baptist Church in Washington, DC.

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My combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs.

I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current, and more importantly, future needs.

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