The Investment Edition
A new season signifies a clean slate. A chance to be better.
Can you believe it? Spring has arrived! And with it comes renewal, fresh perspective, and of course, that subtle rhythm of rainy days. But while rain can sometimes feel like an inconvenience as you run from door to door, it is, in truth, a downpour of nourishment and new life, reminding us that growth requires patience, resilience and the willing ness to embrace the new and sometimes, the unknown.
This month, we explore the theme of investment in all its forms—the ways we invest in our well-being, our relationships, our homes and our futures. Whether through personal growth, financial planning or simply appreciating the moments of joy we sometimes overlook, every choice we make shapes the life we build.
In this issue, we were inspired by those making meaningful investments, not only in themselves but in Frederick and beyond. From innovation and art, to finance, law and education, we celebrate the people and ideas driving our community forward.
As the saying goes, “The best time to plant a tree was 20 years ago. The second best time is now.” Just as the Earth knows when to emerge from its winter sleep, now is the time to pour into the things that will bring us joy and make our lives more vibrant. Like the colors that emerge with the season, the investments we make that allow us to blossom in new ways.
Life is abundant—pour into what brings you joy! … And a little dance in the rain never hurt anybody.
SIERRA MOORE, PUBLICATION DIRECTOR
April 2025
PUBLISHER
Amber Smith | Amber.Smith@citylifestyle.com
PUBLICATION DIRECTOR
Sierra Moore | Sierra.Moore@citylifestyle.com
STAFF PHOTOGRAPHER
Jennifer Rosaria Film & Photography
JenniferVarriale@gmail.com
CONTRIBUTING WRITERS
Amy Salvagno, Kristy Belley, Susan Lanier-Graham, Emily Holland, Sierra Moore
CONTRIBUTING PHOTOGRAPHERS
Acacia Bowens, Ak’s Grafix & Photo, Simon and Schuster, Cathy Wilkin
Corporate Team
CEO Steven Schowengerdt
COO Matthew Perry
CRO Jamie Pentz
CTO Ajay Krishnan
VP OF OPERATIONS Janeane Thompson
VP OF SALES Andrew Leaders
AD DESIGNER Rachel Chrisman
LAYOUT DESIGNER Andi Foster
QUALITY CONTROL SPECIALIST Anna Minnick
Don't wait until you're ready to sell to learn about the value that your home is currently at, what it could be, and how the market could change that over time.
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city scene
WHERE NEIGHBORS CAN SEE AND BE SEEN
1: Two attendees enter the Weinberg Center for the Arts and share a warm embrace. 2: Honorees of the 3rd Annual African Americans of Excellence Exhibit take the stage. 3: AAOE Honoree, Scott Amush poses with a friend. 4: AAOE Exhibit 2025 Executive Director, Yemi Fagbohun, with Timika Thrasher, CEO of the Boys & Girls Club of Frederick County. 5: AAOE Honoree, Gayson Sampson receives his flower boutonniere. 6: Portraits of the honorees are displayed on center stage. 7: AAOE Honoree Dr. Denise Rollins (right) with Leslie Barnes-Keating, Deputy Chief Administrative Officer of Frederick County. Photography by
Acacia Bowens, Ak’s Grafix & Photo
8: AAOE Honoree Dr. Renee Thomas-Spencer (center) surrounded by her family. 9: Student-created artwork honoring the AAOE recipients. 10: AAOE Honoree, Kavonté Duckett. 11: AAOE Honoree, Theresa Williams-Harrison shares a moment with MC, Jarad Bowens. 12: Another heartfelt embrace between attendees. 13: The dedicated team behind the exhibit and event—including sponsors, photographers and honorees—come together. 14: AAOE Honoree, Earl Robbins delivers his remarks. Photography by Acacia Bowens, Ak’s Grafix & Photo
HeartFields Assisted Living Promotes Ruth Gonzalez to Memory Care Program Director
HeartFields Assisted Living proudly announces the promotion of Ruth Gonzalez, a dedicated dementia care practitioner, to Memory Care Program Director. Ruth’s passion for seniors brings joy to residents daily. She will lead the exclusive Bridge to Rediscovery program, a Montessoribased approach that tailors activities and environments to each resident’s abilities and interests. FiveStarSeniorLiving.com
-Rahul Padmanabhan
A LEGACY of Value
Capital River Wealth Management Offers Financial Planning with Purpose
ARTICLE BY EMILY HOLLAND | PHOTOGRAPHY BY JENNIFER ROSARIA FILM & PHOTOGRAPHY AND ACACIA BOWENS, AK’S GRAFIX & PHOTO
Photo Captured by Acacia Bowens, Ak’s Grafix & Photo
Financial planning, for Capital River Wealth Management (CRWM) founder Daniel Schiffman, has always been a discipline that hits close to home. He experienced a significant loss early on in life when his father passed away on Thanksgiving Eve of his high school senior year. One of the things he remembers most about that time was how his family’s financial reality shifted suddenly, and the challenges his mother faced as she began to sort through their affairs. Dan decided that he wanted to help other families have greater peace of mind. He began as a financial advisor with Northwestern Mutual in 1998, and as of 2025, has been with the financial services provider for 27 years.
His early choice to affiliate with Northwestern Mutual – a partnership he has continued after founding CRWM – wasn’t undertaken lightly.
“I did over a year of research before choosing a financial services firm,” he says, “and I met with several. What it came down to was Northwestern Mutual’s values.”
In particular, the principles that stood out to Dan most were Northwestern Mutual’s commitment to taking the long view and doing the right thing on behalf of clients.
“The question Northwestern Mutual is always trying to answer is, ‘What is in our clients’ best interest?’ They always do the right thing, even if it isn’t easier in the short-term.”
Furthermore, Schiffman says, “The firm has a great reputation. This allows us at CRWM to focus on the nuts and bolts of financial planning, investment management and risk planning – what we do best.”
AN ENDURING LEGACY, A COMPREHENSIVE APPROACH
Dan founded CRWM in 2021 to bring more of a personal touch to the financial planning practice. In addition, it was also to create continuity and a lasting firm to serve their clients.
“I wanted to develop an enduring organization where the people who have trusted me over the years can always be taken care of with the same values and standards – even after I move into retirement,” he says. The firm is united around a set of core values –Passion, Purpose and Partnership – and CRWM functions based on Schiffman’s own unique approach.
The first key understanding that Schiffman brings to his work is that “finances themselves are not a goal.” Financial pictures emerge from a combination of decision-making and values, he says, and the priorities – usually linked to families, communities and relationships – of people seeking financial advice. CRWM, as a result, tries to understand what is truly important to clients, and what they want their finances to help secure or build.
CRWM also has the capability and the expertise to manage and consider a comprehensive financial picture for each client. “We engage in both offensive and defensive planning, and we can cover all three bases of financial planning, insurance and investments,” Schiffman says.
BUILDING RELATIONSHIPS, ACHIEVING IMPACT
Most conversations with clients, says Schiffman, center around things they’re either “excited about, thinking about or concerned about.”
One thing he wants people to know about CRWM is that the firm meets clients wherever they are. Whether they’re just beginning to consider how they’ll fund college for their kids, or whether they’ve been legacy planning for years, CRWM is able to assess the opportunities and risks, and come up with solutions.
“Financial planning is never something to be intimidated by or afraid of. We want to help clients get these measures in place as early as possible so that they can have a sense of clarity and security,” he says.
CRWM serves both individual clients as well as institutions both locally and nationally. The thing that all of the firm’s clients have in common, Schiffman says, is that they’re concerned about impact. “The people we serve are family-oriented and often community oriented. They’re involved in their communities. They’re stewarding their finances for themselves, but also with others in mind. They get excited by the impact they have both at home, financially and often out in their communities.”
CRWM CORE VALUES:
• PASSION – We approach our work, our education and our client relationships with bold responsibility
• PURPOSE – We are motivated to help our clients make a meaningful impact on their financial futures and lives
• PARTNERSHIP – We work together with our clients in a trusted relationship that empowers them to achieve their vision
“I wanted to develop an enduring organization where the people who have trusted me over the years can always be taken care of.”
Since this is a value CRWM shares with clients, the firm works hard to co-create a “trusted advisor and client” relationship. Schiffman says: “We’re not a vendor with a customer. We believe clients have the best outcome and experience when building a long - term trusted advisor relationship rather than a transactional one.”
PASSION & PURPOSE IN THE COMMUNITY
The CRWM team, which also includes partners Annette Tinder and Luke McLaughlin, lives out their values of Passion, Purpose and Partnership by staying engaged in the community. Each of the partners works to make an impact through various community organizations such as Rotary, Heartly House, Habitat for Humanity and Beyond Shelter Frederick.
Still, they agree that their most impactful purpose-driven channel thus far has been the difference they’ve been able to make in clients’ lives. According to Tinder, 19 years of working with Schiffman and the other CRWM team members have allowed her to “[witness] the life-changing impact of thoughtful financial planning.” Growing up, she says, “my parents didn’t have a lot of money, yet I saw them skillfully navigate financial uncertainties thanks to their diligent planning with a trusted advisor.”
McLaughlin echoes that his collaboration with Dan through CRWM has “[transformed] challenges into opportunities, proving that passion, purpose and partnership is the foundation of success in financial planning and in life.” Advising their clients, for CRWM, will always be less about the dollars and cents and more about the people behind them – and how their financial flourishing can positively impact their families and the world.
CapitalRiverWealthManagement.com
Investing in the Next Generation
A WEALTH OF OPPORTUNITIES FOR FREDERICK’S YOUTH AND YOUNG ADULTS
ARTICLE BY SIERRA MOORE
In today’s workforce, a great number of young adults face significant challenges in securing steady employment after graduation. Whether transitioning from high school or college, many are having difficulty finding their path, too often laboring through unmatched expectations of career direction and financial self-sufficiency. With the job market continuing to be in a state of change, Frederick County offers a wealth of resources to help young adults gain experience, build skills and pivot toward meaningful careers.
CAREER NAVIGATION & WORKFORCE READINESS
For job seekers needing guidance, Frederick County Workforce Services offers career counseling, job search workshops and resume-building assistance. The Summer Jobs Program is another resource connecting individuals to a 6-week work experience where they learn skills relevant to the workforce. Similarly, Family Partnership provides employment readiness and career exploration programs tailored to young adults.
ALTERNATIVE CAREER PATHS: APPRENTICESHIPS & SKILLED
TRADES
Rising tuition costs and evolving workforce demands push more young adults to pursue vocational training and apprenticeships instead of traditional four-year degrees. The Youth Apprenticeship Program through Frederick County Public Schools (FCPS) connects students with local employers, allowing them to gain real-world experience in industries like healthcare, IT and construction. Similarly, initiatives like the Blue-Collar Project supports young adults interested in trade careers, offering scholarships and mentorship opportunities to bridge the skills gap in high-demand industries.
PROFESSIONAL DEVELOPMENT & NETWORKING
For those navigating career shifts post-college, professional growth and networking are crucial. The Generation Connect program, spearheaded by the Frederick County Chamber of Commerce, fosters relationships between young professionals and industry leaders, providing mentorship and career-building opportunities. Organizations like Women to Women Mentoring Inc. and I Believe in Me lift the importance of role models in development, guiding young adults as they explore, develop, gain skills and confidence towards their career trajectories.
ENTREPRENEURSHIP & CAREER PIVOTING
Many young professionals feel stuck, believing their career paths should align perfectly with their degrees or passions. However, success can come from strategic pivots. Organizations such as Frederick County Workforce Services offer job search workshops, resume-building assistance and funded training opportunities to help young adults expand their skill sets. Entrepreneurialminded individuals can find support through local small business resources and mentorship programs, empowering them to launch their own ventures or transition into industries that better align with their evolving goals.
OVERCOMING WORKFORCE CHALLENGES
For bilingual job seekers and individuals encountering language or other challenges, organizations like Centro Hispano de Frederick, the Spanish Speaking Community of Maryland and the Asian American Center offer vital resources, including job placement assistance and skill development workshops. Similarly, programs like SHIP (Student Homelessness Initiative Partnership) provide essential support to vulnerable youth, ensuring stability as they work toward financial independence.
BUILDING A SUSTAINABLE FUTURE
As workforce dynamics continue to shift, the most successful young professionals are those who remain adaptable, seek continuous learning and leverage community resources. Whether through apprenticeships, networking or career counseling, Frederick County offers a roadmap for young adults to find their footing and thrive in an ever-changing and increasingly dynamic job market. By embracing both traditional and alternative pathways, young professionals can establish careers that align with their skills, interests and long-term goals.
“Many young professionals feel stuck, believing their career paths should align perfectly with their degrees or passions. However, success often comes from strategic pivots.”
“As workforce dynamics continue to shift, the most successful young professionals are those who remain adaptable, seek continuous learning and leverage community resources. Frederick County offers a roadmap for young adults to find their footing and thrive.”
RESOURCES:
• Summer Jobs Program FrederickWorks.com/Summer
• Family Partnership FrederickCountyMD.gov/55/Family-Partnership
• Youth Apprenticeship Program FCPS.org/Academics/Apprentice-Program
• Blue-Collar Project BlueCollarProject.org
• Generation Connect- Frederick County Chamber of Commerce FrederickChamber.org/Generation-Connect.html
• Women to Women Mentoring Inc. WomanToWomanMentoring.org
• I Believe in Me iBelieveInMe.com
• Centro Hispano de Frederick CentroHispanodeFrederick.org
• Spanish Speaking Community of Maryland SpanishCommunityofMD.org
• Asian American Center AACFMD.org
• SHIP (Student Homelessness Initiative Partnership) Shipfrederick.com
THE REAL RETURNS
ARTICLE BY SIERRA MOORE PHOTOGRAPHY BY CATHY WILKIN
THE VALUE OF INVESTING IN ART
Julia Klimova
Art has a way of speaking to us, calling us to slow down, pause and connect with something deeper. Art is more than decoration; it’s a celebration of creativity, individuality and self-expression. Investing in art is not trends or transactions—it’s the personal, cultural and emotional value that art brings into our lives.
For a first-time collector, purchasing art can feel daunting. Where do you begin? How do you choose something meaningful? The beauty of art is that it is subjective—there are no rules. The journey of curating a collection is just as much about discovering who you are as it is about finding the right piece.
CONTINUED >
Maya Eventov
Noah Desmond
Many may believe that collecting art is for the wealthy, but it’s incredibly accessible, if you know where to look. Up-and-coming artists, local galleries and even online platforms like Instagram or Etsy are filled with original works and affordable prints. Handmade pieces, or even small sculptures can be a great way to start your collection without breaking the bank. The key is to focus on what resonates with you.
What makes art such a meaningful investment? While a few pieces may increase in monetary value, the greatest returns are not monetary. A painting that brings a space to life, a sculpture that sparks discussion or a photograph that evokes cherished memories—these are the actual dividends of art. It brightens your space, enriches your days and connects you with something timeless and personal.
Growing up, I was surrounded by artistic expression—my grandmother, mother and sister regularly painted, drew and explored their creativity in countless ways. They taught me that art isn’t just something to own or create— it’s a language of its own, bridging the space between words and emotions. It’s a reflection of identity. Watching art come to life before my eyes gave me a profound appreciation for the stories and personalities that can be embedded within each piece.
In a world that often feels rushed and impersonal, art encourages us to slow down, reflect and feel. It adds warmth and personality to our surroundings. Whether you’re a collector or simply picking up your first piece, the value of art lies in the meaning, joy and inspiration it adds to your life. Those are the real returns.
FIND FREDERICK’S
LOCAL ART AND ARTISTS:
CapitalPortrait.com
Delaplaine.org
EastSideArtistsFallery.com
FrederickArtsCouncil.org
FrederickMade.com
Gallery322.com
GasLightArt.com
NomaGalleryFrederick.com
TheArtistsGalleryFrederick.com
Allan Chow
Persistence & Excellence
ARTICLE BY EMILY HOLLAND
PHOTOGRAPHY BY JENNIFER VARRIALE
The “six degrees of separation” concept is nowhere more applicable than in Frederick – where almost everyone seems to be separated by degrees of two or three. Still, it was a surprise for attorney Megan McGrew, of the Law Office of Morrison & McGrew, to learn that her dad had been founding partner Scott Alan Morrison’s junior high school shop teacher. “It shows that we’ve been in Frederick a while,” she laughs.
THE LAW OFFICE OF MORRISON & MCGREW CELEBRATES 25
YEARS
“THE MOST FULFILLING PART OF THE WORK IS HONESTLY BEING
ABLE TO BRING PEOPLE PEACE OF MIND.”
This year, the law firm is celebrating its 25th anniversary, with a full quarter-century serving the community in the practice of estate planning, elder law and probate administration. Morrison founded it as his own practice in April 2000, after spending several years with another local firm, Russell & Hefner. His aim was to be able to shift focus away from trials, criminal law and divorce cases, and build a practice on what he most enjoyed: estate planning. “I can be the absolute best at the discipline I most enjoy if I keep a limited focus on it,” he says. And Morrison & McGrew’s goal is to be a trusted go-to for estate matters, drawing on their years of experience and genuine desire to serve especially seniors in the community and families making key decisions about their lives.
McGrew joined the practice 16 years ago, in 2008. “After law school at the University of Pittsburgh, I moved back to Frederick, but I was originally working at a firm in Gaithersburg,” she says. After meeting Morrison at an elder expo where the two were promoting their firms, they stayed in touch, building a mentorship and Morrison later asked her to join him at the law office. “It was a great opportunity,” McGrew says, “to finally be both living and working in the community I love.”
Over the years, Morrison and McGrew have shaped their approach to serving clients around a few core values: “We try to communicate effectively, offer quality work at a reasonable price, treat people with compassion and maintain a sense of humor through it all,” Morrison says. That last one tends to be important – “We’re often meeting our clients in the midst of difficult situations, even tense moments,” McGrew says. “It helps to be able to share a laugh.”
CONTINUED >
Law Office of Morrison & McGrew
The Law Office of Morrison & McGrew, P.A., was founded to help people navigate the often tricky process of preserving assets and protecting families through estate law and probate. They provide straightforward advice and skilled legal services in estate law matters at a convenient location in downtown Frederick.
CLIENT SERVICES INCLUDE:
• Estate Planning: Gain peace of mind and protect assets for loved ones through developing a testamentary will, revocable or irrevocable trust, or living will
• Elder Law & Long-Term Care Planning: Ensure medical expenses are accounted for and family members’ needs are met with Medicaid planning, long-term care asset allocation or a special needs trust
• Probate Administration: Advise personal representatives and handle all processes relevant to estate management and distribution (efficiently & cost-effectively)
Morrison & McGrew offers free initial consultations for all prospective clients. To schedule a consult, contact the law office at 301-859-0827 or send a request online at SamLawOffice.com.
Both Morrison and McGrew also value the ability to serve seniors and multiple generations of the same family. “The most fulfilling part of the work,” McGrew says, “is honestly just being able to bring people peace of mind.” Whether it’s a simple draft of a will, planning for long-term care and all its contingencies, or even sorting out a more complicated situation through probate, Morrison and McGrew strive to help bring clients a sense of security without an unnecessarily drawn-out or expensive legal process.
They each are active in the community and have raised families in the Frederick area. Morrison and his wife have a son and daughter–and now a grandson–and he’s involved with the Knights of Columbus, the Special Olympics and the Frederick Fair. “You can also find me at classic car shows,” he says. “I’ve got a ’57 Chevrolet – that only took me about 15 years of slow progress to restore.” The color? Turquoise.
McGrew is the sports coach extraordinaire. She and her husband have two daughters, and she stays busy not only coaching their basketball teams, but also being a team manager for their soccer club. “It doesn’t leave a lot of time for much else!” she says.
A few other key members of their extended “family” are Morrison & McGrew’s exceptionally loyal staff. “I’ve been working with Ruth, our receptionist, for 29 years,” Morrison says, “and our paralegal, Christine, for 30 years – both have been here the entire time Morrison & McGrew has been around.” In addition to being just as dedicated to client service as the firm’s partner attorneys, Ruth and Christine’s longevity with the firm has made for an excellent set of working relationships and a high level of trust between all involved. “It’s something clients can feel,” McGrew says. “We’ve built these long-term relationships and we offer our clients security based on that trust.”
The two remember some of the earlier days of the law firm and reflect on how much it has grown. “We started out doing presentations to all kinds of groups – church groups, luncheons, anything to build up the practice,” Morrison says. “It helps that we’re personable and we’re happy to just go out and talk to people.” Today, most clients come through referrals or word-of-mouth. That’s the power of persistence and a dedication to community service. In the words of a satisfied Morrison & McGrew client: “You sailed through the obstructions and kept on track to the conclusion!” It’s an approach that has brought the partner attorneys through all 25 years.
TRUSTS UNDER $1 MILLION
Two visions. One future.
The Small But Mighty Volvo EX30 & Effortlessly Powerful Audi Q6 e-tron Take the Road
ARTICLE BY SIERRA MOORE
THE SMALL BUT MIGHTY VOLVO EX30
Volvo’s commitment to sustainability, safety and Scandinavian design takes an exciting turn with the all-new Volvo EX30. As the brand’s smallest and most affordable fully electric SUV, the EX30 proves that great things come in compact, beautifully designed and highly efficient packages.
ELECTRIFIED PERFORMANCE
Built on Volvo’s next-generation electric vehicle platform, the EX30 delivers impressive agility and efficiency. Available in both single-motor and twin-motor configurations, it provides a responsive and refined drive, whether zipping through city streets or embarking on weekend getaways. With a range of up to 275 miles on a single charge and fast-charging capabilities that can take the battery from 10% to 80% in under 30 minutes, the EX30 ensures less downtime and more time getting to the places you love.
SAFETY FIRST, ALWAYS
True to Volvo’s legendary safety reputation, the EX30 comes equipped with an advanced driver assistance system, featuring cutting-edge sensors, cameras and a driver monitoring system that detects signs of fatigue or distraction. Its intersection safety technology actively helps prevent collisions, adding an extra layer of security whether you’re commuting or traveling long distances.
MINIMALIST INTERIOR
Inside, the EX30 embraces modern Scandinavian minimalism, combining a sleek, clutter-free dashboard with a 12.3inch center display that seamlessly integrates Google built-in, Apple CarPlay and a Harman Kardon sound system. Volvo also prioritizes sustainability, incorporating materials such as denim, flax and wool blends throughout the cabin, offering a premium yet eco-conscious experience.
CONNECTED FOR CONVENIENCE
The EX30 adapts effortlessly to modern lifestyles with phone key technology, allowing drivers to unlock, start and personalize their vehicle via smartphone. Whether adjusting seat positions or pre-setting climate controls, this compact SUV ensures a truly intuitive driving experience. VolvoFrederick.com
the Volvo
THE EFFORTLESSLY POWERFUL AUDI Q6 E-TRON
Luxury, performance and cutting-edge EV technology come together in the all-new Audi Q6 e-tron, a sophisticated electric SUV built for drivers who expect more. As the latest addition to Audi’s expanding e-tron lineup, the Q6 e-tron boasts a new way to experience driving, leveled with power and innovation—ready to hit the road.
POWER MEETS EFFICIENCY
Engineered on Audi’s Premium Platform Electric (PPE), the Q6 e-tron is designed for both thrill and efficiency. The dual-motor all-wheel drive system delivers impressive power and agility, making every drive smooth and effortlessly powerful. With an estimated range of up to 300 miles per charge and ultra-fast 800V charging that restores 80% of the battery in just 30 minutes, range anxiety is a thing of the past.
STRIKING DESIGN & ADVANCED TECHNOLOGY
Audi’s signature Singleframe grille, sculpted body lines and sleek aerodynamics create a bold yet refined aesthetic. Inside, a curved panoramic display integrates a 14.5-inch infotainment touchscreen and 11.9-inch driver display, while the Audi virtual cockpit plus enhances the driving experience with real-time vehicle insights. Ambient lighting and premium materials elevate the cabin’s luxurious feel.
INNOVATIVE SAFETY & DRIVING ASSISTANCE
The Q6 e-tron is more than just fast—it’s intelligent. Audi’s advanced driver assistance suite includes adaptive cruise control, lane-keeping assist and 360-degree cameras, making every journey smoother and safer. The next-gen augmented reality head-up display (AR HUD) projects realtime navigation and safety alerts onto the windshield, keeping your focus where it belongs—on the road.
SUSTAINABLE BY DESIGN
Beyond performance, the Q6 e-tron embraces sustainability, incorporating recycled materials throughout the interior and bidirectional charging technology, allowing the vehicle to power your home during peak hours or return energy to the grid. AudiFrederick.com
“THE AUDI Q6 E-TRON ISN’T JUST ANOTHER SUV—IT’S AN ELECTRIFIED MASTERPIECE DESIGNED FOR THOSE WHO DEMAND LUXURY WITHOUT COMPROMISE.”
the Audi
The MBA That
Works for You
Flexible Learning, Lasting Impact with UBalt’s MBA at USMH
We sat down with the University of Baltimore, to explore how UBalt’s MBA program at USMH is designed to help working professionals advance their careers without putting their lives on hold.
WHY SHOULD WORKING PROFESSIONALS CONSIDER EARNING UNIVERSITY OF BALTIMORE’S MBA AT USMH?
Working professionals should consider the University of Baltimore’s MBA at Hagerstown for several key reasons. First, it’s in our DNA. For 100 years, we’ve been dedicated to serving working adults. We understand the challenges of balancing work, life and education, which is why we offer unparalleled flexibility.
HOW DOES THIS MBA PROGRAM ACCOMMODATE BUSY PROFESSIONALS?
Our USMH on-campus business classes begin at 6:00 p.m. and are offered in a convenient hybrid format. You can also choose a part-time or full-time course load and adjust it each semester to fit your changing needs. This flexibility isn’t just about scheduling;
it’s about empowering you to pursue your MBA without sacrificing your career or personal life.
WHAT MAKES THIS MBA PROGRAM STAND OUT FROM OTHERS?
As an AACSB-accredited school we are among the six percent of business schools around the world that have the highest standards of education. But what really makes us stand out is our faculty. Not only are they prolific researchers, but they also understand and care deeply about business and our ambitious students.
HOW CAN EMPLOYERS BENEFIT FROM HAVING EMPLOYEES ENROLL IN THE MBA PROGRAM?
The world is changing fast. Our faculty has infused knowledge and skills of the digital economy like AI with the importance of effective communication and leadership skills. We see this over and over again that students take what they learn in the classroom and implement that lesson at work the next day.
University System Of Maryland At Hagerstown
WHAT FINANCIAL AID OR TUITION ASSISTANCE OPTIONS ARE AVAILABLE?
The good news is that USM Hagerstown students will have access to funding from The University of Baltimore and USMH. The Merrick School of Business has a scholarship program too.
WHAT’S THE NEXT STEP FOR SOMEONE INTERESTED IN THE PROGRAM?
Choose to attend a virtual information session. We host these conversations once a month, but like everything we do, we are flexible . UBalt.edu
Dr. Mikhail Pevzner, graduate business program director will speak to you or members of your organization anytime. MPevzner@UBalt.edu | 410-837-5862
TWELVE SPECIALIZED TRACKS
• Accounting
• Artificial Intelligence
• Conflict Resolution
• Cybersecurity and Organizational Resilience
• Data Analytics
• Entrepreneurship and Innovation
• Finance
• Global Management
• Health Care Management
• Leadership and Management Development
• Marketing
• Nonprofit Leadership
Claire Cianos
“To scale my startup, I knew I needed some more formal experience and education. Upon starting my journey at The University of Baltimore, I was quickly introduced to many different professors who helped shape my experience. Specifically, the leadership and finance classes were very beneficial for me. With what I learned, I was able to go back and rework our model in ways that helped us to earn more money and have better potential.” –Claire Cianos | MBA ‘24
Claire Cianos is the co-founder of Napp, an app connecting families with on-demand childcare. Seeking a path that matched her entrepreneurial spirit, she pursued UBalt’s MBA program, gaining insights to refine her business strategy. Her experience—including peer tutoring and a global field study in Switzerland—ultimately inspired her to pursue a doctorate in business psychology.
Anderson Lattimore
“I’m a better leader now because of pursuing my MBA with The University of Baltimore. I’m able to utilize what I’m learning in the classroom in my day-to-day responsibilities. I’m now starting to see how everything is coming full spectrum, whether it’s dealing with accounting and finance, or IT transformation, I’m able to utilize what I’ve learned in the classroom to make better business decisions for my organization.” –Anderson Lattimore | CERT ‘22 Current MBA Student
Anderson Lattimore is head of talent acquisition for Infosys Public Services in Rockville, Maryland. Seeking to deepen his business knowledge, he pursued UBalt’s Business Fundamentals graduate certificate before transitioning to the MBA program. With support from his family and mentor, he returned to school after two decades and is already applying classroom lessons to his role. His long-term goal is to run his own consulting firm.
FIND YOUR FRIENDS.
FIND YOUR Y.
At summer camp, your kids will make new friends and have tons of fun as they explore new adventures each day.
Locations include:
• Downtown Y
• Natelli Family Y
• Y Arts Center
• Camp West Mar and more...
CELEBRATING AFRICAN AMERICANS of Excellence 2025
THANK YOU TO OUR SPONSORS, WHOSE SUPPORT MADE THIS EVENT POSSIBLE
• Ausherman Family Foundation
• Delaplaine Foundation Inc.
• TGP Gives
• The Family Heritage Trust Company
• Quantum Frederick
• Randall Cap
• Showcall
• Yemi
• Isabella's Taverna & Tapas Bar
• Morgan-Keller Construction
• Waynesboro Construction
• McCutcheon’s Apple Products Inc.
• Frederick Health
• Boys & Girls Club of Frederick County
• Woodsboro Bank
• Pistarro’s
• Promo Circus
• Frederick Lifestyle
• Convoy Creatives
• Ak’s Grafix & Photo
• FMH Foundation
• Rotary Club of New Market
• Ken’s Art & Frame
• Angela & Chris Chase
• Heather Kirby
• Melanie Meyer
As we reflect on AAOE 2025, we are filled with gratitude for another incredible event celebrating African American excellence, culture and achievement in Frederick. This year’s gathering was a testament to the power of community, education and the arts—bringing together students, professionals and supporters who share a passion for uplifting and inspiring future generations.
STUDENT ENGAGEMENT
AAOE is committed to supporting young creators. Middle school, high school and college students in Frederick County are encouraged to submit their work for our Student Interest Program. This initiative provides a platform for young voices to be heard and celebrated. Learn more and apply here: https://www.aaoefrederick. org/the-creators#student-submission
PORTRAITS WITH PURPOSE: FREE EDUCATION FOR ALL
Education is at the heart of our mission and we are proud to offer Portraits with Purpose, a free educational program open to everyone. This initiative empowers individuals to explore, learn and grow through the arts and storytelling. Discover more about this program and how to participate here: https://www.aaoefrederick.org/education
Thank you to everyone who made AAOE 2025 a success. Your support, participation and enthusiasm continue to inspire and strengthen our community. We look forward to an even greater celebration next year!
Behind each of our 200+ City Lifestyle magazines is someone who cares deeply about their community. Someone who connects people, celebrates businesses, and shares the stories that matter most. What if that someone was you?
Or maybe it’s someone you know. If this isn’t the right time for you, but you know someone who could be the perfect fit, we’d love an introduction.
FAMILY TIME is the Best Investment
EAT DINNER TOGETHER AS A FAMILY.
This meaningful time around the table is where connections happen. Let everyone share good moments from the day or something they struggled with. Create a jar of conversation starters, exchange giggles and cook up something delicious.
CREATE SURPRISES
Everyone likes to feel special – and surprised. The littlest things make the biggest impact: A backyard picnic; a sleepover in an indoor fort; an after-school ice cream treat; a bathroom spa day.
CREATE FAMILY TRADITIONS
Build weekly or monthly traditions – movie nights with popcorn, board game marathons, a gratitude jar, evening bike rides, living room dance parties,
even a family book club to discover old favorites and new reads.
EXPRESS LOVE AND GRATITUDE
In busy seasons, it’s easy to forget to let a loved one feel appreciated and thought of. Tuck a hand-written note in a lunch box or give an unexpected hug; spend time sharing what you’re thankful for about them.
KEEP GENERATIONS LINKED
Consider Sunday meals with grandparents or weekly phone calls if distance separates. Invite them to share their childhood stories and treasured memories. Start a yearly family scrapbook filled with favorite photographs and vacation souvenirs.
ARTICLE BY KRISTY BELLEY
The drink that makes you look forward to TAX DAY
INCOME TAX cocktail
INGREDIENTS:
• 1½ oz. Gin
• ¾ oz. Dry Vermouth
• ¾ oz. Sweet Vermouth
• ¾ oz. Freshly Squeezed Orange Juice
• 2 Dashes Angastura Bitters
• Orange Twist
• Glass Type: Coupe
DIRECTIONS:
1.
2. Add everything to your shaker with ice.
4. Pour into your coupe.
5. Twist your orange peel again, like you did last summer.
7. Enjoy being done with taxes.
8. And a good cocktail.
The Income Tax Cocktail likely popped up during the Prohibition party scene of the 1920s. Its exact origin story remains a bit blurry, but it was definitely a hit in speakeasies.
The name? Well, it's like a cheeky nod to the idea that sipping on this cocktail might be more fun than paying actual taxes! Made with gin, sweet vermouth, orange juice, and a dash of bitters, it's like a boozy adventure for your taste buds, with hints of citrus and herbs. Despite its vintage roots, the Income Tax Cocktail still brings the party vibes, transporting you back to the roaring '20s.
ph: 301.696.2000
fx: 301.696.0099
e: info@briandhall.com
w: www.briandhall.com 604 Solarex Ct, Suite 202 Frederick, Maryland 21703 Treating highly-satisfied patients since 1999
APRIL 2025
A SELECTION OF UPCOMING LOCAL EVENTS
APRIL 6TH
Key City Thrift Expo
Frederick Fairgrounds (building 7) 11:00 AM
Join the first Key City Thrift Expo, presented by To Dye For! Gather your scavenger squad, bring your best thrifting energy and shop from 40+ amazing vendors. Wanna be a VIP? Your ticket includes an hour early entry to shop first, a Limited Edition Reusable Tote and one beer ticket—beer provided by Olde Mother Brewing Co! General Admission and Twilight Passes are also available, and kids 12 and under are free. Get excited for an epic day of sustainable shopping and fun! Eventbrite.com
APRIL 12TH
Spring Fling & Egg Roll
Rose Hill Manor Park | 1611 N. Market Street, Frederick, MD 21701 | 10:00 AM
Celebrate spring with a fun-filled day for the whole family! Enjoy exciting egg hunts for kids, festive games, crafts and plenty of photo opportunities with the Easter Bunny. This event offers a joyful mix of outdoor fun and seasonal activities that are sure to create lasting memories. Welcome spring in style while supporting Frederick County Parks and Recreation! Recreater.com
APRIL 24TH
SHIP’s Annual Lip Sync Battle
Attaboy Barrel House | 24 South Wisner Street #ste 110 Frederick, MD 21701 | 5:00 PM
Get ready to rock the stage! Watch teams bring their best lip sync performances, rally for votes and compete for the Golden Microphone. Enjoy an electrifying night of music, fundraising and fun—all supporting local students. Who will take home the top prize? Be part of the action! ShipFrederick.com
APRIL 26TH
Bikes & Beers Frederick
RAK Brewing Co | 400 Sagner Ave #100, Frederick, MD 21701
Experience a perfect blend of cycling and craft beer! Ride scenic routes for all levels and celebrate with live music, delicious food and refreshing local brews. Enjoy exclusive perks like custom gear and swag while connecting with other riders. Don’t miss this chance to get active, support the cycling community and savor local craft beer. BikeSignUp.com/ Race/MD/Frederick/BikesandBeers
APRIL 26TH
The Private Barrel Experience
Crown Rose Estate Weddings and Distillery | 5:00 PM
Join an exclusive barrel-to-glass tasting experience, where you’ll sample premium, undiluted whiskeys straight from the cask. Guided by whiskey experts, explore the impact of barrel size and char level on flavor—and learn how to craft your own private barrel. Hors d’oeuvres provided. Spots are limited spots, so reserve today. CrownRose.com
APRIL 26TH
Rise & Renew Gala
Supporting Andrea’s House
Delaplaine Arts Center | 40 S Carroll Street, Frederick, MD, 21701 | 6:00 PM
Join in on an inspiring evening at the Rise & Renew Gala, hosted by Andrea’s House at the Delaplaine Arts Center in Frederick, MD. Enjoy a delicious dinner, dancing, powerful speeches and an exciting silent auction—all in support of a meaningful cause. Don’t miss this unforgettable night of connection and impact. AndreasHouse.org
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GET IN TOUCH AT CITYLIFESTYLE.COM/ FREDERICK
Live a Vibrant Lifestyle at Homewood!
Maintenance-free living is yours at Homewood at Frederick. Our cottages, patio homes and apartments offer spacious one-bedroom or two-bedroom single-story floor plans. The community is surrounded by gorgeous views of the Catoctin Mountains.
At Homewood, our Independent Living community provides a vibrant lifestyle, fitness and wellness programs, an amazing social calendar, and restaurant-style dining.
Call the Marketing Office to schedule a personalized tour of the campus and discover why so many have made Homewood their retirement community.
“No
homewoodfrederick.com
7407 Willow Rd, Frederick
BEST INVESTMENT BOOKS TO READ
THESE INVESTMENT BOOKS CAN HELP YOU STAY UP-TO-DATE ON THE LATEST FINANCIAL TRENDS
ARTICLE BY SUSAN LANIER-GRAHAM
PHOTOGRAPHY BY SIMON AND SCHUSTER
Investing in your future is critical yet complicated. While reaching out to qualified professionals is vital—whether you’re building your business, investing in your financial security, or planning for retirement—doing some of your own research is often helpful.
We checked out some of the top investment books that help you better understand how to invest in your future and build wealth.
1 2 3 4 5
ONE UP ON WALL STREET
One Up On Wall Street: How to Use What You Already Know to Make Money in the Market by Peter Lynch with John Rothchild. Peter Lynch explains average investors’ advantages over professionals and how they can use these advantages to achieve financial success.
HOW TO INVEST
How to Invest: Navigating the Brave New World of Personal Investment, part of Economist Books, by Peter Stanyer, Masood Javaid, and Stephe Satchell. A dynamic new guide to personal investment for the era of cryptocurrencies and personal trading platforms.
POWER YOUR PROFITS
Power Your Profits: How to Take Your Business from $10,000 to $10,000,000 by Susie Carder. While not a traditional book on investments, Power Your Profits helps you discover how to take your business from startup mode to the multi-million-dollar mark.
THE WEALTH DECISION
The Wealth Decision: 10 Simple Steps to Achieve Financial Freedom and Build Generational Wealth by Dominique Broadway. A roadmap for becoming a millionaire and building the foundation of generational wealth from a self-made, first-generation multimillionaire.
HOW TO INVEST
How to Invest: Masters on the Craft by David M. Rubenstein. This book is a master class on investing, featuring conversations with the biggest names in finance. Brought to you by the legendary cofounder of The Carlyle Group, David M. Rubenstein.
