Meet Our Team
Tim Mudd, Principal & Founder
Tim is a dedicated financial advisor with a passion for serving his clients' needs. After 24-years as a partner with Chesapeake Financial Advisors, Tim made the bold decision to embark on a new venture, launching his own company. His commitment to his clients' financial well-being and a desire to create a more personalized and client-centric approach to investment management is what drove him to start Pointer Financial Advisors in 2023.
With his deep expertise in financial planning, investment strategies, and risk management, Tim works with each client to structure individualized investment portfolios focused on achieving long-term investment and retirement priorities. Tim believes that “Superior long-term results are achieved with constant analysis of each investment. We approach each equity investment as if we were going to buy the entire company. During ownership, we continue to analyze the investment to ensure the fundamentals and objectives of the company continue to improve and proper valuations are maintained.”
Prior to joining Chesapeake Financial Advisors at its founding in 1999, Tim spent several years in the financial services industry, including positions as research analyst, equity trader and statistician with T. Rowe Price and Croft-Leominster, both investment advisory firms located in Baltimore, Maryland.
Tim graduated from Mount Saint Mary’s University, Emmitsburg, Maryland, in 1993. He received Bachelor of Science degrees in economics and finance. Tim is also a graduate of St. Mary’s Ryken High School in Leonardtown, Maryland. Additionally, Tim has completed the National Association of Securities Dealers (NASD) Series 65 exam.
Tim and his wife, Christina, live in Highland Maryland and have three children. Tim is a former member of the Endowment Committee for Mount St. Mary’s University. Tim is also a member of the Annapolis Yacht Club and the Southern Maryland Society, and is also a former board member of the Society.
Jaron Beach, CFP®, Wealth Advisor
Jaron Beach, CFP®, joined PFA in October 2025 as a dedicated Wealth Advisor, bringing over five years of experience in developing personalized financial strategies for high-net-worth individuals. Originally from San Diego, California, Jaron has brought his West Coast expertise to our office in Columbia, Maryland. He specializes in areas such as wealth management, retirement planning, investment strategies, tax planning, and risk mitigation.
Jaron has a deep understanding of how to create custom financial plans tailored to each client's unique goals, risk tolerance, and life changes, providing them with security and peace of mind. He actively monitors clients' portfolios, adjusting allocations to capitalize on market opportunities while protecting against volatility. Jaron also enjoys teaching clients strategies that simplify tax planning and investments, allowing them to enjoy retirement and spend more quality time with their families.
A graduate of San Diego State University’s Fowler College of Business, Jaron earned a Bachelor of Science in Business Administration with a focus on Financial Services and holds the esteemed Certified Financial Planner™ (CFP®) certification.
Outside of his finance career, Jaron enjoys playing golf, softball, and ice hockey. He actively volunteers in special education, teaches topics related to tax and retirement, and is a passionate supporter of his alma mater, San Diego State University. Jaron is committed to helping clients navigate life's changes with confidence and clarity—let's connect to discuss your financial goals.
Lauren Richman, Chief Operating Officer
Lauren is a passionate advocate for our clients' financial success, serving as Chief Operating Officer at Pointer Financial Advisors, where she drives operational excellence, delivers exceptional customer service, and upholds the responsive, trustworthy support that defines our firm.
Lauren shifted her career to the financial services industry in 2019 and joined Pointer Financial Advisors in July 2023, bringing a wealth of expertise in relationship development, marketing, operations management, human resources, and talent acquisition. Her multifaceted background enables her to streamline processes, foster meaningful client connections, and build high-performing teams—ensuring seamless experiences that help individuals and families navigate complex financial landscapes with confidence and ease.
A proud graduate of the University of Maryland, Lauren earned a Bachelor's Degree in Communications. Go TERPS!
Outside the office, Lauren resides in Frederick, Maryland, with her husband, Kevin, and their energetic son, Hudson (now a spirited toddler exploring the world). She cherishes family adventures, staying active through swimming and biking alongside Hudson, and unwinding with a good book in her quiet moments. Lauren's commitment to work-life balance inspires her approach to financial planning, reminding clients that true success encompasses both professional achievements and personal fulfillment.
Todd Del Tufo, Associate
Todd is a dynamic team member at Pointer Financial Advisors (PFA). His responsiveness and proactive spirit make him an invaluable team member. Todd goes above and beyond to support clients with every aspect of their financial journey—from routine inquiries to complex needs—ensuring a seamless, stress-free experience.
In his role as an Associate, Todd collaborates closely with Tim on insightful market analysis and partners with Lauren to deliver top-tier client service. His commitment shines through in every interaction, delivering responsive, personalized support that resolves client needs swiftly and builds lasting trust—empowering PFA clients with the peace of mind to focus on what matters most.
A graduate of Vanderbilt University in Nashville, Tennessee, Todd earned a Bachelor's Degree in Organizational Development and Finance, equipping him with a strong foundation in building efficient systems and navigating financial landscapes.
In Todd's free-time he can often be found outdoors, whether it's hiking mountains, biking, or his latest accomplishment, completing a triathlon and officially becoming an IRONMAN! Todd also enjoys a good novel during a quiet evening, and coaching youth wrestling—instilling resilience and teamwork in the next generation. A sports enthusiast, he cheers on the Baltimore Orioles and Ravens, roots for USA Wrestling on the national stage, and never misses a Vanderbilt baseball game.
Karen Groner, Human Resources
Karen ensures that everything behind the scenes at PFA is operating efficiently and effectively, so that more attention can be devoted to fulfilling the needs of our clients. Karen oversees PFA’s Human Resources and serves as the Office Manager.
Previously, Karen worked in HR at WeatherGage Technologies & in Howard County schools as an elementary school teacher, reading specialist, and home school evaluator. Karen’s organization and management skills were honed by raising a family of 6 and she spent time with the Peace Corps in Papua, New Guinea. Karen is a graduate of Western Maryland College with a BS in psychology and MS in education/reading and is certified in HR management.
Karen, her husband, Kevin, and their dog, Emmylou, live in Highland. Their four grown children live in four different states and come home to visit often. In her free time, Karen enjoys sailing, hiking, mountain biking and spending time with family and friends.