Broker Check

Meet Our Team

Michael Havlik, CLU®, ChFC®, CFP®

Founder & CERTIFIED FINANCIAL PLANNER™ Professional

(443) 492-6577

mhavlik@tidecreek-fg.com

Mike creates custom financial plans that are tailored to his clients’ specific circumstances and goals. He is also responsible for the firm's operations and investment policy.

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Christopher Varlotta, CLU®, ChFC®, CFP®

Founder & CERTIFIED FINANCIAL PLANNER™ Professional

(443) 492-6609

cvarlotta@tidecreek-fg.com

Chris guides his clients to improve their financial behaviors and make better decisions to help them achieve long-term financial success. He is also responsible for leading the firm’s operations and strategic vision. 

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Celina Fetanis

Client Experience Manager & Executive Assistant

443-492-6563

cfetanis@tidecreek-fg.com

Celina is the main point of contact for Tide Creek. She ensures our clients needs are met—from the simplest of questions to the biggest of requests. Celina is also the Executive Assistant to our Partners.

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Jules A. Klose, CRPC®

Financial Planner

(443) 492-6626

jklose@tidecreek-fg.com

Jules works closely with his clients to better their financial situations and put them on track to reach their goals. He partners with his clients, ensuring they make the right decisions over time.

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Justin Allen, CFP®

Operations Manager

443-492-6632

jallen@tidecreek-fg.com

Justin supports the Tide Creek financial planning team. With Justin’s assistance, we are able to better serve our clients and solve their problems more efficiently. 

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Michael A. Cammarata, ChFC®CFP®

Partner & CERTIFIED FINANCIAL PLANNER™ Professional

(443) 492-6564

mcammarata@tidecreek-fg.com

Mike strategically protects growing enterprises, attracts and retains key employees, grows the owner’s personal net worth, and plans for their life beyond the business. 

 

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Robert M. (Bob) Boyles, MBA

Financial Planner & Investment Advisor Representative

(443) 492-6616

rboyles@financialguide.com

Robert approaches financial planning and wealth management from a holistic perspective. He creates and implements strategies that are custom-tailored for his clients’ individual needs and goals.

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Partners

Michael A. Cammarata, ChFC®CFP®

Partner & CERTIFIED FINANCIAL PLANNER™ Professional

(443) 492-6564

mcammarata@tidecreek-fg.com

Mike strategically protects growing enterprises, attracts and retains key employees, grows the owner’s personal net worth, and plans for their life beyond the business. 

 

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Associates 

Jules A. Klose, CRPC®

Financial Planner

(443) 492-6626

jklose@tidecreek-fg.com

Jules works closely with his clients to better their financial situations and put them on track to reach their goals. He partners with his clients, ensuring they make the right decisions over time.

Read more

Robert M. (Bob) Boyles, MBA

Financial Planner & Investment Advisor Representative

(443) 492-6616

rboyles@financialguide.com

Robert approaches financial planning and wealth management from a holistic perspective. He creates and implements strategies that are custom-tailored for his clients’ individual needs and goals.

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Support Staff

Celina Fetanis

Client Experience Manager & Executive Assistant

443-492-6563

cfetanis@tidecreek-fg.com

Celina is the main point of contact for Tide Creek. She ensures our clients needs are met—from the simplest of questions to the biggest of requests. Celina is also the Executive Assistant to our Partners.

Read more

Justin Allen, CFP®

Operations Manager

443-492-6632

jallen@tidecreek-fg.com

Justin supports the Tide Creek financial planning team. With Justin’s assistance, we are able to better serve our clients and solve their problems more efficiently. 

Read more