Capital River Wealth Management is committed to helping our clients whether they are concerned for their own financial needs or those of their family or business. We get to know our client's goals and philosophies in order to provide truly customized plans.
Together, we stand committed to providing the best customer service possible. If you have a question or need assistance at any time, please let us know.
Daniel J Schiffman CFP®, CLU®, CLTC®
Founder and Wealth Management Advisor
Dan Schiffman joined Northwestern Mutual in 1998 after completing his education at St. Mary’s College of Maryland and Oxford University. In his years as a Wealth Management Advisor with Northwestern Mutual, Dan has grown his knowledge base through the pursuit of several professional accreditations in order to better serve his clientele. Dan is a CERTIFIED FINANCIAL PLANNER™ Professional, Certified in Long-Term Care (CLTC®), and a Chartered Life Underwriter (CLU®) – all designations that mark the completion of a rigorous course of study, testing and ongoing education. Additionally, Dan has received numerous industry awards for his commitment to excellence in financial planning, and has had the honor of being invited to speak to hundreds of his Northwestern Mutual colleagues as a keynote speaker and thought leader at the Northwestern Mutual Eastern Regional Meeting in New York City a total of four times.
In 2021, Dan established Capital River Wealth Management with Northwestern Mutual. After running his own practice for many years with the support of his amazing team, the creation of Capital River Wealth Management was the next logical step in providing the personalized service and expert guidance that Dan’s clients expect.
Dan is a member of the Certified Financial Planners Board of Standards, Inc, the National Association of Insurance and Financial Advisors (NAIFA), and the Association for Advanced Life Underwriting. His financial planning philosophy is to always meet his clients where they are – by establishing personal relationships and learning each person’s philosophies he is able to create enduring connections with clients that last for years and span generations.
Dan and his wife Lisa live in Frederick, MD, with their children. He loves all things history—and is unable to walk through a museum without slowing everyone down while he reads. Dan also enjoys creative writing, and spending time with his family and friends, which occasionally includes a night of karaoke.
Annette is a partner with Capital River Wealth Management and has been an integral member of the team since 2006. Prior to joining CRWM, Annette began her career by building client relationships as an account executive, alumni relations director, and system analyst. In her role with Capital River Wealth Management, Annette oversees marketing and business operations and works in partnership with the entire team to create a seamless experience for clients.
Annette is passionate about the importance of financial planning, a quality that was developed through her own personal experiences. Her enthusiasm for financial planning began as a teenager when her parents, a blue-collar working family, partnered with Northwestern Mutual to implement their own personal financial plan. The plan that Annette’s parents put in place has guided their family through many financial vulnerabilities, and thanks to annual check-ups, this living plan has evolved with the family’s needs and is still in place to this day. While it was unknown to Annette at the time, the plan that her parents put in place over 50 years ago created a path for generational planning and the opportunity to meet Dan Schiffman, the Founder of Capital River Wealth Management. That meeting would eventually lead to a partnership that has changed the course of both Dan and Annette’s careers.
In addition to her passion for financial planning, Annette genuinely enjoys connecting people. One of the most rewarding aspects of her career is exploring how Capital River Wealth Management can better serve their community and working to bring people together. You will see Annette out and about as a Rotarian with Key City Rotary and as a member with the Frederick Chamber of Commerce. Annette is also a graduate of Leadership Frederick County (Class of 2022) and a supporter of the local charitable organization, Heartly House.
Annette is a graduate of SUNY Cobleskill, SUNY Polytechnic Institute, and Mount St. Mary's University where she earned her MBA. Annette also holds the Maryland life, health, variable annuity and long-term care insurance licenses, and the Series 7 and 63 securities registrations.
Luke joined Dan’s practice as an Associate Wealth Management Advisor in March 2018. Before joining Northwestern Mutual, Luke worked as a trading platform analyst for BlackRock. At BlackRock Luke provided external portfolio managers with consultation on sophisticated risk analysis, efficient trading models, and comprehensive investment management expertise to power informed decision-making across the firm's risk management platform. In addition to professional experience, Luke has an MBA from Eastern University and currently holds his Maryland life and health insurance license and his Series 7 and Series 63 securities licenses – all of which give him the expertise needed to serve Dan’s clientele at a high level. Luke’s favorite part of his role is consulting with individuals and businesses to form lasting relationships. He enjoys working together to help people make progress toward achieving their financial goals.
Luke resides in Valley Forge, PA with his wife Tiffany, their son James and daughter Ella. The family also consists of their English Cream Golden Retriever, Charlie. Luke enjoys staying active by playing cricket for his local club, golfing, skiing, DC sports and gives back to the community through his involvement with Habitat for Humanity.
Matt joined Capital River Wealth Management in January of 2023 and is your vision implementor. He will guide you as you execute your financial plan. Clients will typically hear from Matt in scheduling meetings, preparing and sending applications, helping with the underwriting process, and assisting with account changes.
Before joining Capital River Wealth Management, Matt earned a degree in Interdisciplinary Studies for Management, Marketing & Political Science at Salisbury University. Since graduating, Matt has earned his Maryland Life & Health License.
Matt enjoys time with friends and family. Some hobbies Matt enjoys are playing golf, mountain biking, hiking, playing chess, and playing guitar and banjo!
Jason has been working in the financial planning industry for over 20 years and has a passion for helping advisors create the best overall plan for their clients.. He currently holds the Maryland Life and Health insurance license and the Series 7, 9, and 10 securities registrations, in addition to earning his CLU® and CFP® designations. Jason partners with Capital River Wealth Management to help the team create full-scale financial plans for both individual and business clients.
Roman joined Northwestern Mutual in 2014 and currently serves as the Director of Financial Planning Services for the Maryland region. Roman partners with Capital River Wealth Management to help design financial plans for our clients which address risk management, annuities, and investment solutions. Roman earned a bachelor’s degree in economics from University of Washington and an MBA from Saint Marin’s University. He currently holds the Maryland Life and Health insurance license and the Series 7 & 66 securities registrations.