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Our Team
Timothy H. Sutherland CFP, CPA

Tim has nearly twenty years of experience managing wealth for business owners, executives, professionals and other successful individuals.  He has been a practicing Certified Financial Planner™ professional since 2001 and is currently a non-practicing Certified Public Accountant.

“My specialty is financial and business problem solving for our clients and to help them better manage all types of risk, even risks they don't see.  I am adept at simplifying complex planning situations to help our clients make better informed, confident decisions.  My passion is fixing broken investment and financial plans, then serving as an insurance policy for our clients to sidestep serious future mistakes, feel more in control of their financial lives and more confident about the future.

My experience working with hundreds of families has convinced me that professional wealth stewardship is not a luxury.  I have found that most folks have some part of their financial plan that is outright malfunctioning or could be improved.  Partnering with a trusted, competent wealth professional can confer the right expertise, perspective, discipline and consistency to achieve success, no matter how you define it.

I consider myself a professional fiduciary, specializing in before-tax financial planning.   The cornerstone of fiduciary-level service is independence and our practice is engineered to be as independent as possible.   To that end, we have partnered with the leading independent broker-dealer, Cambridge Investment Research, to help deliver our independent wealth services.

One final thought:   I have discovered that I work best with folks who are seeking great life outcomes, not just good ones.”

Tim earned a graduate degree in finance/portfolio management with honors from Loyola University Baltimore (1994) and an accounting degree from James Madison University (1986).  Tim holds a Series 24 principal, 7/66 securities and life/health insurance licenses.

A Virginia native, Tim re-located to York from Baltimore in 1994 with his wife Carrie.  Their daughter Abigail is an official York native.  Tim is active in several professional and community organizations and is a frequent speaker on various wealth management topics.  He is a fervent yet challenged golfer and enjoys college football, history and visiting Bethany Beach, Delaware at every opportunity.

Matthew Geer

Matt has worked in the financial industry since 2004.  His fourteen years of experience have seasoned him to provide a well-rounded approach to wealth management to his clients.

“I really enjoy helping people.  I want to make sure my clients both understand and are comfortable with their financial decisions.  Too often I meet with those who have not had their investments explained to them and they are unsure if they are going to meet their goals.  It gives me great satisfaction when a client tells me that they now comprehend their investments and know what to expect going forward.

I like to take a holistic approach to wealth management.  I want to make sure that all decisions fit into the big picture of a client’s financial well-being.  Whether its planning for retirement, a child’s education, or just simply saving for a rainy day, I want to be sure to create a positive effect on all your plans.

My goal is to earn your trust and to be a source of good advice.  As a J.R.R. Tolkien fan, I always liked this quote from the Hobbit, ‘It does not do to leave a live dragon out of your calculations, if you live near him.’  Ignoring financial decisions is never a good idea.  Let me help you slay your financial dragons.”

Matt grew up outside of Troy, Pennsylvania in Bradford County.  He attended the U.S. Coast Guard Academy and served in the military for nine years as a commissioned officer. 

After marrying his wife Gretchen, they decided to move back to the area to raise their family.    Matt believes in giving back to the local community where he serves as President of the Troy High School Foundation, President of the Troy Town Band and is an active member of the Troy Rotary Club.  An avid runner, you can find Matt helping coach the Troy High School Track & Field Team as well as running on the trails at Mt. Pisgah.

Matt holds Series 7/66 securities licenses as well as a life & health insurance license.

Heather M. Seward

Heather wears many hats, but her primary role is serving as our senior operations professional.  She has worked in the wealth management profession on our team since 2005.

In addition to operations, Heather is responsible for our day-to-day client service duties, manages our social media, oversees our technology platform and performs too many other tasks to mention.

Her knowledge and experience concerning operations, compliance regulations, insurance and administration matters serves as the backbone of our practice.

Heather earned a degree in computer information systems from SUNY Delhi.  She hails from Baltimore and lives with her children in York.

When not at work Heather enjoys being a mom and watching her two youngest, Riley and Thomas, on the soccer field.

Heather holds a Series 6/63 securities registration.

Carrie E. Sutherland
Carrie E. Sutherland
As an experienced teacher and homemaker, Carrie brings considerable organization, creativity and administrative skills to our wealth management practice.  

In addition to making sure our office runs smoothly on a daily basis, she is also responsible for completing a host of client service tasks, coordinating our marketing events and championing special projects. 

Carrie is a Virginia native and graduated from James Madison University with a degree in fine arts.  She lives in York since 1994 with her husband Tim and enjoys spending as much time in Bethany Beach as possible, cooking and doting on her cats Harvey and Rocky.
She is active in her church and enjoys travelling, especially to her favorite city, Pittsburgh, where her daughter Abigail attends the University of Pittsburgh.

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Securities offered through Cambridge Investment Research, Inc., a Broker Dealer, Member     FINRA/SIPC.   Investment Advisory Services offered through Cambridge Investment Research Advisors, Inc.  Cambridge and Harvest Rock Advisors, LLC are not affiliated.  Cambridge does not provide tax or legal advice.

This communication is strictly intended for individuals residing in the state(s) of DE, FL, IL, KY, ME, MD, NJ, NY, PA and VA. No offers may be made or accepted from any resident outside the specific states referenced.

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