Meet Our Team
Blue Heron Mission Statement: Our experienced team helps you to pursue your life goals by providing caring investment advice and desired communication while treating you like family.
Margaret Kosmerl
President
Accredited Investment Fiduciary®
Retirement Income Certified Professional®
margaret.kosmerl@lpl.com
Margie began her career in 1986 at what was then Prudential Bache Securities, and opened Blue Heron Financial Group in 1997. It was important to her to not simply grow business for the sake of growing, but to develop a company culture with a focus on deepening the client relationship and to personalize the service to Blue Heron clients. Prior to discovering the financial services industry, Margie's goal was to be a teacher or a psychologist, both areas of study she says she draws from every day. It just so happens that her toolbox is comprised of economic analysis, financial planning, strategies and investments. Over the years, Margie has provided financial education to hundreds of seminar attendees around the country, on a wide range of pertinent financial, market and investment topics. She also enjoys encouraging and mentoring young women in the financial industry, where she feels women are naturals at being good listeners and nurturers of long-term client relationships.
In her spare time Margie enjoys being busy. Outside the office she cherishes family and friend time, and has fun boating, golfing, traveling or playing pickle ball. She is active with her church and community, and believes it is important to live each day to its fullest, appreciate our many blessings, and give back accordingly. Margie has practiced the 'give back' through her participation with different non-for-profits in the area, such as; The Well, Chrysalis House, and the Community Foundation of Anne Arundel County.
*Retirement Income Certified Professional (RICP) conferred by The American College.
Sarah Kosmerl, CFP®
Financial Advisor
sarah.kosmerl@lpl.com
Sarah joined Blue Heron Financial Group in 2017 after graduating from James Madison University. In 2022, she earned her CERTIFIED FINANCIAL PLANNER® certification. Her approach to financial planning is rooted in a deep understanding of each client's unique circumstances, with a focus on building strong, lasting relationships. Sarah finds joy in educating clients and helping them see how the various elements of their finances work together to shape their overall financial picture. In addition to her CFP®, she also holds her FINRA Series 7 and 66 registrations through LPL Financial, as well as her Maryland insurance license.
Sarah and her husband, Kyle, call Annapolis home with their dog, Ollie, and cat, Rooster. Outside of work, Sarah enjoys exploring her creative side, from baking to embroidery, staying active through local running groups and fitness classes, and spending time on the water.
*Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Joanna St. Clair
Financial Advisor
Retirement Income Certified Professional®
joanna.stclair@lpl.com
Joanna joined Blue Heron Financial Group as a Financial Advisor in 2025, bringing over 30 years of experience in the financial services industry. Known for her genuine passion for people, Joanna builds meaningful relationships with each client, providing personalized care and guidance at every stage of their financial journey.
She is dedicated to delivering informed, actionable advice tailored to each client's unique goals. Joanna holds the Retirement Income Certified Professional® (RICP®) designation, enabling her to offer specialized expertise in retirement income planning strategies. She earned her degree from the University of Maryland Global Campus with a concentration in gerontology—reflecting her belief that understanding the aging process is integral to helping clients thrive throughout all phases of life. Joanna is licensed with FINRA Series 7, 63, and 66 through LPL Financial, and holds a Maryland Life and Health Insurance license.
A native of the Annapolis area, Joanna lives in Churchton with her husband, Walt. They are proud parents of two adult children and grandparents to three. Joanna actively gives back to her community as part of the leadership volunteer team for The Blue Ribbon Project, an organization supporting youth in foster care. In her free time, she enjoys reading, traveling, kayaking, and finding ways to make a positive impact in her community each day.
Alison Brown
Operations Manager
alison.brown@lpl.com
Alison began working in the financial services industry in 1987 and joined Blue Heron Financial Group in October 2007. She brings a plethora of experience and leadership to our team. As Operations Manager, she is the go-to gal for information on new accounts, online access, and money needs (distributions & deposits). Working closely with LPL Financial operations, Alison monitors the ins-and-outs of everyday activity of accounts to assure accuracy and continuity, resolving any operational issues that may arise.
In her free time Alison enjoys being with family and friends, caring for her home, and taking various Bible study classes with her church. As an animal lover she has 3 SPCA rescues.
A bit of trivia – Alison and Margie started out in the financial services industry as administrative staff with Prudential Bache Securities in the 80s. Having gone separate paths over the years, they reconnected in 2007 when Alison joined Margie at LPL Financial.
Alec Cronin
Client Services Associate
Alec.Cronin@lpl.com
Alec joined the Blue Heron team at the start of 2023 as a Client Service Assistant, working closely with advisors on large projects and day to day tasks. Alec joins Blue Heron with 15+ years of customer service-based experience in the retail, recruiting, and mortgage industries. He is focused on providing the premier customer experience for every client with the Blue Heron family and is in the process of studying for his securities and insurance exams and obtaining his licenses.
Alec graduated University of Massachusetts-Amherst with a BA in Economics and Psychology. He later completed his MBA from Syracuse University with dual concentration in Finance & Business Analytics.
Outside of work, Alec is very active in the Baltimore and Annapolis community through direct volunteering and serving on multiple non-profit boards. Alec can be found on golf courses in any weather conditions, enjoying a game at Camden Yards, or spending time with his friends and family in the area.
Steve Metzger
Financial Planning Assistant
s.metzger@lpl.com
Steve joined our team in 2016, but has worked in the accounting, banking, and financial planning industries since 2009. Prior to coming to Blue Heron, he was mentored by several successful financial advisors, which lends to his keen insight to combine best ideas, knowledge, and practices. Steve currently holds his FINRA Series 7 and Series 66 registrations with LPL Financial as well as his Maryland insurance license.
Outside of the office, Steve is a Business Education teacher at Arundel High School in Gambrills. He enjoys spending time with friends and family, volunteering, working on home improvements, gardening, and watching or playing any and all sports. He is also a proud University of Maryland, College Park alumnus. In 2011, Steve married his high school sweetheart, Sara, and they are a family of five with a boy named Rhodes and two girls named Wynn and Calla.
Jessica Molina
Client Communications Associate
jessica.molina@lpl.com
Jessi joined the Blue Heron Team in the summer of 2020 as our Front Office Administrative Support, assisting team members with projects and inquiries on behalf of clients. As a valued team member, Jessi is extremely detail oriented, has strong communication skills and professionalism due to her prior work experience as a customer care facilitator in the medical field for almost 10 years, and more recently in the administrative sector. With the help of our team, she is enjoying learning more about the financial industry and is looking forward to expanding her knowledge for years to come. Jessi is a graduate of Old Dominion University, Virginia.
Outside of the office, Jessi enjoys spending time with friends and family, listening to audiobooks, cooking different cuisines, and when the weather is nice - taking walks.
Kelly Cromwell
Paraplanner Assistant
kelly.cromwell@lpl.com
Kelly joined the Blue Heron team in October 2024. Her journey in the financial planning industry began in 2000, when she started as a receptionist with Paine Webber, and was quickly offered a permanent position assisting successful financial advisors. She took a detour for several years in the auto finance world, but found her way back and we're so glad she did. Her experience, professionalism and desire to help advisors and clients alike, has been well received in her role as paraplanner assistant on the team. She continues to expand her knowledge and appreciation of the financial planning process and the value it brings to the clients we serve. From her perspective, the best part of her day is being able to provide excellent service.
Outside of work, family is first. Her two greatest accomplishments are her adult children. Both proud graduates; son Colton is a graduate of Maryland University, College Park and daughter, Gianni, from Howard University. Last but not least, an honorable mention shout out goes to her little Shih Tzu, “Tyco”.
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"Coming together is the beginning, keeping together is progress. Working together is success."
Henry Ford
Left to Right : Alec, Steve, Margie, Sarah, Alison, Jessi
