The Elser Gutowski Team of Seventy2 Capital Wealth Management

225 Schilling Circle, Suite 100, Hunt Valley, MD 21031

Troy Elser, Senior Managing Director, Hunt Valley, manages this three-person bespoke private wealth management team, who aims to be the financial quarterback for our clients so that their out of office time can be maximized doing what they desire most. We strive to build long-term relationships by delivering a superior experience and helping them embrace their financial future with confidence, and ardently believe that by having a plan, staying the course, and surrounding oneself with genuine, trustworthy professionals, you will exceed your life goals. Our team serves high net worth individuals through his extensive knowledge in portfolio management, investment planning, and estate planning strategies.

Our team has extensive experience working with sophisticated clients who have complex financial scenarios. Troy spent 10 years at Morgan Stanley, and another 11 years at UBS, before joining Seventy2 Capital and opening their Hunt Valley office. With a background in wealth planning and a CERTIFIED FINANCIAL PLANNER® certification, and previosu experience at UBS, Ryan takes a personalized, holistic approach to each client’s financial journey. Sandy supports her advisors with tasks such as investment planning, opening accounts, trading, moving money, processing account maintenance requests, and preparing performance charts and market analyses. With this expertise combined, we take a very comprehensive and in-depth approach with our clients that allows us to really get to know you and fully understand your needs and goals.

Meet Our Team

Troy Elser

Senior Managing Director, Hunt Valley

Ryan Gutowski, CFP®

Vice President & Financial Advisor

Sandy Vecere

Senior Registered Wealth Associate

Asset Management

Our team utilizes Seventy2 Capital’s Asset Management Program (AMP), which is designed to provide affiliated financial advisors with a robust, institutional-quality investment solution that enhances portfolio management, streamlines operations, and optimizes client outcomes. Through the AMP, we gain access to professionally managed portfolios and strategic investment guidance.

Key Features & Benefits:

Professionally managed portfolios: broad asset class coverage, strategic and tactical adjustments, and risk-adjusted portfolio construction
Flexible investment strategies: risk-based models, tactical and dynamic strategies, and income-focused solutions
Institutional-quality research and due diligence: macroeconomic and market analysis, fund and security selection, and ongoing portfolio monitoring
Efficient implementation and operational support: seamless account onboarding, automated portfolio rebalancing, tax-aware investment strategies, and performance tracking and transparency

Services

Seventy2 Capital’s highly skilled financial advisors develop personalized strategies to meet your needs with a special focus on your stage of life and circumstances. Our investment planning experts take the time to get to know you and your financial goals and then create a roadmap to help you achieve them. This includes planning for retirement, educational expenses, charitable giving, insurance, and estate protection. Our advisors offer a wide range of wealth management services, utilizing best-in-class research and a propriety investment selection process with an emphasis on tax-sensitive investing*.

Retirement Planning

People spend the first few stages of life building a nest egg to support themselves as they get older. We are experts at developing and managing strategies to turn your nest egg into an income stream in retirement. Ask us about: Employee Retirement Plans (401(k), 403(b)), Individual Retirement Accounts (IRAs), Income Replacement Strategies, and Transition Planning.

Education Planning

Planning for your child’s education plays a critical role in determining their future, especially as costs increase. There are many options to support families to meet these expenses. These strategies can be complicated, and the rules and regulations often change. Our financial advisors are here to guide you to the best options. Ask us about: 529 Plans, Education Savings Pans, and UTMA/UGMA.

Estate Planning

Work with your financial advisor to direct your assets and maximize your impact when you are no longer with your loved ones. Our team can assist you in establishing strategies to protect your family and meet your legacy goals. Ask us about: Trust Services***, Insurance**, and Charitable Giving.

Alternative Investments

If you’re looking to manage risk and potentially enhance returns, our financial advisors are experts in investment strategies that go beyond traditional stocks, bonds, and cash. Ask us about: Exchange Funds, Hedge Funds, Managed Futures, Offshore Investments, Private Equity, and REITs.

Executive Stock Planning/Compensation

Whether you’re working to attract and retain executive talent or receiving executive compensation, our team has the expertise to ensure you are both compliant and able to maximize your benefits. Ask us about: 10b5-1 Planning & Execution, Rule 144 Trading, Exchange Fund Access, Diversification Strategies, Risk Management, and Non Qualified Executive Comp.

Investment Products

The investing universe continues to evolve with new products and ways to grow your hard-earned capital. Our advisors will work with you to help find the best options for you. Ask us about: Annuities, Certificates of Deposit, Commodities, Equities / Stocks, Exchange-Traded Funds (ETFs), Exchange-Traded Products (ETPs), Fixed-Income / Bonds, Managed Futures, Money Market Funds, Registered Options Principal Review, and Unit Investment Trusts.

Corporate & Non-Profit Retirement Plans

We will help to define and/or enhance your plan’s Investment Policy Statement and investment options and protect you and support your business goals. We can also develop and support an employee education program. Ask us about: 401(k) /403(b) / 457 Plan Design & Monitoring, Employee and Executive Benefits Analysis, Creative Deferred Compensation Solutions, Fiduciary Training & Education, Employee Education & Engagement, and Investment Policy Statements.

Charitable Giving

By donating to tax-exempt organizations, including trusts, community chests, and foundations, you can reduce your taxable income and enhance your legacy. If you are looking to make a difference in a tax-advantaged* way, talk to your financial advisor about charitable giving. Ask us about: Donor Advised Funds, Private Foundation, Charitable Trust, and Charitable Gift Annuities.

* This information is made available with the understanding that Wells Fargo Advisors Financial Network and its affiliates are not engaged in rendering legal, accounting or tax advice. Any discussion of taxes represents general information and is not intended to be, nor should it be construed to be, legal or tax advice. Tax laws or regulations are subject to change at any time and can have a substantial impact on an actual client situation. Seventy2 Capital will be happy to coordinate with your tax and legal professionals.

** Insurance products are available through non-bank insurance agency affiliates of Wells Fargo & Company and underwritten by non-affiliated Insurance Companies. Not available in all states.

***Trust Services are available through Wells Fargo Bank, N.A. and Wells Fargo Delaware Trust Company, N.A.

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