Mark E. Engberg, CFP® and Stephanie P. Brown, MBA
19266 Coastal Highway, Unit 5, Rehoboth Beach      Schwab.com/RehobothBeach   |   302-260-8731
Schwab Expands its Independent Branch Network in the Delaware Beach Community
Mark E. Engberg, CFP®, and Stephanie P. Brown, MBA, are the consummate team. Having spent the past 15 years working together at an independent investment advisory firm,

JEFF MONTGOMERY Owner & President
Are You Trapped in the Investors’ Dilemma?
Q:  WHAT ARE THE BIGGEST MISTAKES YOU SEE INVESTORS MAKE WITH THEIR INVESTMENTS?The biggest mistake I see investors make is making changes to their portfolios or their investment strategies based on the emotions of either fear or greed during short-term market conditions. The emotions of fear and greed and the behavior that follows typically lead to performance losses that can be hard to recover from.

Nicholas Williams (left)
• Portfolio Manager
• Financial Advisor
410-736-5396
Thomas Kimmerle (right)
• First Vice President — Wealth Management
• Senior Investment Management Consultant
• Portfolio Manager
• Financial Advisor
410-736-5432
Branch Address
650 S. Exeter St., Suite 1100, Baltimore, MD 21202
The Harbor East Group Expands Practice to Rehoboth Beach​
The long-term financial success of their clients drives Nicholas (“Nick”) Williams and Thomas (“Tom”) Kimmerle to be their very best each and every day.

Gigi G. LeKites  (back left)• Certified Financial Planner• Chartered Retirement Planning Counselor
Steven E. Sweigert  (back middle)• Chartered Retirement Planning Counselor
John M. Stern, Jr.  (back right)• Certified Public Accountant• Personal Financial Specialist
Daniel M. O’Connell, II  (front left)• Certified Public Accountant• Personal Financial Specialist• Certified Valuation Analyst
Timothy A. Gonzales  (front right)• Certified Financial Planner• Accredited Asset Management Specialist
A Q&A with One of the Shore’s Top Investment Teams
Q:  WHAT ARE THE CORE VALUES OF YOUR FIRM?A:  We are driven by the principles of trust,