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Michael D. Worch

President of Worch Financial Group, LLC
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If not conducting a meeting, teaching a class or in flight to meet a client, Michael can most likely be found right behind his desk in Rockville, Maryland. Here you will often find him reading up on the latest tax law change, economic modeling technique, devouring the intricacies of an estate plan or skillfully determining the best strategy to create a more fluid and effective financial model for someone.An avid sports enthusiast, you might otherwise find Michael at a local seasonal sporting event, including Washington Redskins, Baltimore Ravens or any Terps game. Michael enjoys working with professional athletes and sportscasters, which are a major part of his practice.Born and raised in Bethesda, Maryland, he now lives just 10 minutes from his childhood home. Michael married his college sweetheart, Patti Chartier in June 1999. Patti, originally from Northern Virginia, is a stay at home mother of four. They currently reside in Gaithersburg, Maryland with their four children, Kane, Caroline, Preston, and Declan as well as their black Labrador, Tahoe.A graduate of the University of Maryland, Michael earned his Bachelor of Science degree while working his way through college and playing football for the Terps. As a member of the United States Marine Corp, Michael was featured on College Gameday ESPN for his playing experience and hard work.In January 1996, Michael joined First Financial Group as a planner. In early 2005, Michael founded Worch Financial Group. It is through this venture that he will continue to enhance the delivery of personal financial engineering services.People love to listen to Michael speak because he educates through application. His common sense yet innovative and progressive approach to personal finance makes him a demanded speaker at area CPA firms, universities, professional organizations, law firms, and even other national financial planning firms.Empowering people to choose their financial future is what drives Michael’s existence. The core mission of his practice –maximize financial security for you and your family while maximizing the efficiency of your money at work through strategic planning, not product planning– has proved a solid strategy.Michael has an awesome ability to sensibly combine a macro perspective, the finer numeric detail of a person’s unique financial circumstance and their hopes and dreams for the future. This, along with a superior memory and masterful knowledge of relevant laws, policies and regulations; make Michael one of the areas elite Personal Financial Engineering practitioners.Content
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Richard Onorato

Onorato Financial Group, LLC
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Rick Onorato has been in the insurance and financial service industry since 1971. He has specialized in retirement planning for individuals and small-to-medium size businesses, with a strong emphasis on the medical and dental communities. Working closely with the CPA's and attorneys for business clients, Rick focuses on the company retirement plans, benefit offerings and solving planning issues. Through the years his firm has incorporated Cash Balance, 412(E)(3) Fully Insured Defined Benefit Plans and other plan types to enhance his client's wealth accumulation and tax deductibility. Rick also works with business clients to show the owners how they can use retirement plans as an exit or succession strategy to sell their business and professional practices.
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Chris King

Worch Financial Group, LLC
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Chris King has been affiliated with Worch Financial Group since 2010. His goal is to make the process at Worch Financial Group inviting, informative and empowering. Chris works directly with clients to help them achieve their goals and objectives with a focus on macro planning. Chris is a graduate of Georgetown Prep in North Bethesda and he received his undergraduate degree from Loyola University Maryland in Political Science with a minor in Business. Outside of the office, Chris can be seen cheering on the Washington Nationals and Redskins and frequently attends home games for both teams.
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Cheryl Jorgenson

Vice President Retirement Services Lafayette Life Insurance Company
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Cheryl joined Lafayette Life in 1987 and has over 30 years’ experience in the retirement industry.Responsible for the entire Retirement Services area, Cheryl has worked in a variety of rolls including administration, marketing and management. She has extensive experience in qualified plan document issues, overseeing restatements and interacting with the IRS and DOL on critical audit issues. She interprets and analyzes new pension law changes and provides key direction for the department.Cheryl is a member of the American Society of Pension Professionals and Actuaries (ASPPA) and is a member of the Small Employer and Individual Pension Committee of LOMA. She has been published in industry publications and is a sought-after speaker on retirement topics. She is certified to provide continuing education credits through the National Association of State Boards of Accountancy (NASBA) and the Internal Revenue Service.Cheryl attended the University of Iowa.
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Harriet Shrewsberry

Client Relations Manager
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Born in Idaho Falls, Idaho Harriet’s family relocated to the Washington area when her father took a job with the Nuclear Regulatory Commission. Harriet has lived in Montgomery County for over 40 years. A 1990 graduate of the Maryland Drafting Institute and almost 20 years of experience in the mortgage business, Harriet has settle into the financial planning business with Mike and provides administrative and client support.Harriet is very family driven, has 5 children, 4 boys and 1 girl. One son works in the construction field, two sons work in the auto industry, her youngest son is a Marine stationed in Okinawa, Japan and her daughter is working and attending college.Harriet’s strong family values and work ethics have become her base for providing Worch Financial Group clients with the best customer service possible.