Richard J. Walters is the founder of Comprehensive Benefit Marketing Services, Inc. and Comprehensive Financial Planning, Inc. He earned his B.S. at the University of Richmond and holds the Certified Financial Planning certification since 1987. In April 2014, he earned the Accredited Investment Fiduciary designation. He is involved in several local business boards. In 2010, Richard was voted one of the best financial planners in Lancaster County.

Michael V. Kowalick has been with Comprehensive Benefit Marketing Services, Inc. and Comprehensive Financial Planning, Inc. since 1996. He graduated from Bloomsburg University of Pennsylvania with a B.S. in Business Administration. He is an Investment Advisor Representative with Comprehensive Financial Planning, Inc., and is a Benefits Broker with Comprehensive Benefit Marketing Services, Inc. Mike has been an active executive board member in several youth organizations on a local and statewide level and is a PIAA Basketball Official

Patrick J. Cloonan, Jr. joined Comprehensive Financial Planning, Inc. in August 2012 and has been in the business since 1996. As a Lancaster County native, Pat graduated from Manheim Township High School and went on to earn his B.S. in Public Administration from Shippensburg University, He graduated from West Virginia University in 1993 with a Master of Science in Labor and Industrial Relations. As a Certified Financial Planner (CFP®) with over 25 years of experience, Pat helps clients achieve their financial goals. As a CDFA^®  (Certified Divorce Financial Analyst), and CDS^TM  (Certified Divorce Specialist). he analyzes and provides expertise on the financial issues of divorce. He also serves as a PIAA Basketball referee and competes in a variety of races. Pat is married with two children. 

Mary Jane has worked for Comprehensive Financial Planning, Inc. since its inception and is now “retired”, but still working in a consulting and special project capacity.  She was the office manager and has worked in all areas of our administrative responsibilities over her 45 year career with us.  She enjoys traveling and spending time with her grandchildren.

Martha has over fifteen years of experience in the financial industry, including 10 years with Comprehensive Financial Planning, as well as, several years of personal income tax preparation. She earned her Associates Degree in Accounting at Harrisburg Area Community College in 2001, and has taken additional courses at Central Penn College. She primarily works in asset management and 401(k) plan service administration. In October 2024, Martha earned her QKA (Qualified 401(k) Plan Administrator) certification. Her Interests include playing piano, drawing & painting and spending time with her husband and kids.

Alicia joined our team in 2022, prior to working for the Comprehensive Financial Planning, Inc., Alicia worked with her husband running their own business since 2015.  She worked directly with clients to ensure they had a good experience and handled the finances and accounting end of the business.  In addition, she also helped with advertising and marketing for the business.  She has three children who keep busy.  In the past she has coached for her daughter’s soccer and cheer teams and has taught pre-school classes at a local gymnastics center.  Alicia has been actively involved with her daughter’s current All Star Cheer organization; helping to organize fundraisers, plan team bonding events for the teams, and assist in communication between teams and families.  She is actively involved with her children’s school and volunteers time whenever she is able. In the summer of 2023, Alicia earned her QKA (Qualified 401(k) Plan Administrator) certification.