H. Stanley Evans*, CFP, Founder

Stan Evans, CFP® now celebrates his thirty-seventh year in the insurance, investment and financial planning business. As a Certified Financial Planner™, Stan specializes in small business and professional markets in addition to personal and business financial planning.

Along with three partners, Stan formed Capital Financial Benefit Solutions, LLC in 2006 and was formerly a partner of the Maryland Agency Financial Group for twelve years. As a Partner of Capital Financial Benefit Solutions, Stan’s stated objective is to protect and advise clients on prudent insurance and investment* decisions, in order to maximize wealth on a tax-efficient basis. Stan previously sat on the Board of Directors for the National Association of Insurance and Financial Advisors of Baltimore for two separate terms and has been a Penn Mutual leader and qualifier of Penn Mutual’s elite agent club.

A graduate of Towson University and a committed professional in the financial planning arena, Stan has achieved many milestones in the financial planning industry, including Million Dollar Round Table, Court of the Table, HTK Broker Dealer Peak Performance. He has been awarded “Agent of the Year’” on several occasions and is a consistent Golden Eagle and Royal Blue Producer with Penn Mutual. He treats all clients with a straightforward, common-sense approach to financial planning. When you retain Stan to represent your insurance and financial needs, you will be adding an experienced and dedicated professional to your team!

In Stan’s spare time he enjoys spending time with his family, golfing and supporting local sports teams including the Ravens and Orioles.

Certified Financial Planner™- Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. 

These achievements do not evaluate the quality of services provided to the clients. These achievements are not indicative of the registered rep’s future performance.

Todd Evans*, Financial Adviser

Todd H. Evans serves as a Financial Adviser with Capital Financial Benefit Solutions and holds licenses to provide Life, Health, Disability, Long Term Care insurance, and Securities. His passion and commitment to helping individuals, as well as businesses achieve their goals, happens through a customized process where his main objective is to advise clients on prudent insurance decisions in order to maximize wealth on a tax- efficient basis.

As a Financial Adviser, Todd specializes in working with individuals and local businesses, helping them in areas such as insurance, retirement planning, estate planning strategies, and executive benefit planning. Todd meets with clients to review their current financial situation and discuss their long and short term objectives. Todd and his team will analyze a client’s data and present strategies that are appropriate and well suited to help meet a client’s unique financial situation.

Todd graduated in 2007, with a Bachelor of Science degree in Business Administration and Economics from Virginia Wesleyan College. Todd volunteers as a lacrosse coach for Charm City Lacrosse, an inner city youth program. In addition to his efforts to better the community, Todd also strives for excellence within the workplace. Todd won CareerBuilder of the Year in 2010 and 2011 and was inducted into Penn Mutu- al’s President’s Club in 2010. Todd has also qualified for Royal Blue Conference for several years an award reserved for Penn Mutual’s top advisers.

When not working, Todd enjoys being active in athletics, with his favorites being Crossfit and Lacrosse.

These achievements do not evaluate the quality of services provided to the clients. These achievements are not indicative of the registered rep’s future performance.

Ryan E. Salah*, Financial Adviser

Ryan joined Capital Financial Benefit Solutions, LLC in 2015 after graduating from college and completing an internship program within our organization.  Ryan holds his Life and Health license as well as his Series 7, Series 63, and 65 licenses.

Ryan is committed to helping people grow and preserve their wealth across generations in the Chesapeake Bay region and DC Metro marketplace.  Ryan helps ensure individuals, families, and businesses are protected and financially prepared for the future.  He is responsible for expanding our services and solutions to help ensure we are one of the leading holistic wealth planners in our community.  Ryan works with the team to analyze client data and develop strategies that meet a client’s needs and objectives.

Currently living in Baltimore, Ryan was born and raised in Rockville, Maryland.  Ryan graduated from Stevenson University earning his undergraduate degree in Business Administration while also playing lacrosse.  Ryan continues to be involved in the Stevenson community as a member of the Stevenson Alumni Board.  During his time away from work, Ryan enjoys spending time with his friends and family, attending concerts and sporting events, while also playing recreational sports.

Susan Stein, Client Relationship Manager


Susan serves as Assistant to Stan Evans, Partner of Capital Financial Benefit Solutions. Focusing on new business, Susan follows cases from submission to case placement. In addition, it is of utmost importance to her to ensure that clients feel that their financial needs are a priority by providing consistent, timely and efficient service. Susan has been a supporting member of Stan’s team for fifteen years.


Susan was born and raised in Maryland and currently resides in Stewartstown, Pennsylvania with her husband. In her free time, she enjoys helping her husband with renovations and spending time with her children and granddaughter.

Rose Emig, Benefits Client Relationship Manager

Rose Emig has been an Account Manager in our Employee Benefits Department since 2000. She focuses on designing group & individual health insurance programs. Rose also plays a major role in the placement and servicing of ancillary benefits and provides a myriad of support services to our clients. She holds a Maryland Life & Health License and is a registered Notary Public. Rose exemplifies the personal touch that we have found that our clients prefer. Her excellent problem solving skills and the relationships she has with the service and underwriting departments of the carriers we use make her a valuable member of our team.

After graduating from Seton High School in Baltimore, Rose studied abroad for 2 years attending University of Santo Tomas in the Philippines. She currently resides in Abingdon, Maryland with her husband Dean. In her free time enjoys spending time with her niece and nephews.

Lauren Beetle, Client Relationship Manager

Lauren attended Virginia Wesleyan College, a small liberal arts school in Virginia Beach. She played lacrosse in college, and graduated in May 2009 with a Bachelor’s Degree in Business Administration. Lauren is Life & Health licensed and currently in the process of studying for her Series 6 exam. At this time, she works directly with Stan Evans as a Client Relationship Manager.

Lauren was born and raised in Reisterstown Maryland. She went to Franklin High School where she was a 12 season athlete. When not working, she enjoys spending time with her family and friends, and spending time at the beach. She also likes to travel whenever she has the opportunity.