Our Team

Walton Headshot

Walton W. Rogers, CLU®, ChFC®

Walton has been an agent representing New York Life and other insurance companies since 1974. He qualified for the Million Dollar Round Table (MDRT) in 1975 and every year since then. MDRT is an international organization of financial professionals with members in 73 countries. It is estimated that only 1% of financial professionals qualify to join MDRT. Walton was elected to the Executive Committee in 2005, and served as President of MDRT in 2009.

In the local industry, Walton has served twice as president of the Anne Arundel Association of Insurance and Financial Advisors, and he is a 15 time recipient of Baltimore’s Agency Leader Award. Walton is active in his community as a past president of the Annapolis Rotary Club and the Annapolis Woodworker’s Guild. He also is a six-year veteran of the Maryland Air National Guard.

Walton is married to Linda, they live in Severna Park and they have four children from previous marriages. The children live in Anne Arundel County, Roanoke, VA and California. Five grandchildren are growing up and a few more are on the horizon.

Hobbies for Walton include furniture building, boat building, adventures on his motorcycle, and travel. Linda is a Nurse Practitioner at Johns Hopkins Hospital, paints portraits, and enjoys travel, especially to Amelia Island, FL, where they have another home.

Walton Headshot

Penny Kulawiak
Office Manager

Penny Kulawiak manages the offices of W. Rogers & Associates and has been with the company since 2005. Her roles within the company extend over a wide range of duties and include scheduling appointments, answering client questions, completing service work, preparing for appointments, processing applications, and more. Penny serves as an office facilitator, a customer service representative, Walton’s assistant, and a general overseer of all areas within the company. Penny is passionate about her work because of the relationships she is able to build with the company’s clients. As the office manager, Penny is able to demonstrate the importance of a partnership with W. Rogers & Associates, help protect the families of the clients, play a role in the financial stability of each client, and grow with them as if they were part of her family.

In 2003, Penny married her childhood friend, Chad Kulawiak. Together they have two children, Ethan and Kylee and love to spend time with them. As a family they enjoy camping, boating, and riding their motorcycle. Both children are very active and love playing hockey, along with other sports. Penny loves to stay involved as the team manager of the hockey team, as well as being involved in the community through the local Ravens Roost fundraiser, as a school volunteer, and as a member of the community association.

Our Associates

Matthew Clarke, LUTCF, CLTC
Associate Successor

Matthew Clarke has been in the financial services industry since 2003, and is located in Annapolis, Maryland. Matt has studied at the American College and earned the designations of Life Underwriter Training Council Fellow (LUTCF) and Certified Long Term Care Consultant (CLTC). In 2004, he was named Rookie of the Year for the Baltimore New York Life office and then in 2008 was promoted to Partner, where he ranked in the top 25 Partners nationally (out of 300+) in his firm. He also has been a qualifying member of Million Dollar Round Table (MDRT) many times. MDRT is recognized throughout the industry as the standard of excellence among financial professionals. In 2012 he was President of National Association of Insurance and Financial Advisors (NAIFA) , Anne Arundel Chapter. Matthew has successfully passed his Life and Health license exams along with his Series 6, 63 and 65.

Although Matthew works with clients from a broad geographical area and with varying financial needs, his specialty is working with professionals in the medical field in the Baltimore/Annapolis corridor with incomes between $250,000 and $1,000,000.

Matt is married to Alley, who works with him in his office. They have three children: Carter, Tanner and Madeline Grayce, and live in Pasadena, MD.

Brett M. Sause, LUTCF®, LTCP®, CLTC®

Brett started in the financial services profession in 1999. The Atlantic Financial Group, LLC was formed shortly thereafter. The firm's philosophy in working with all of its clients is to guide them through a process that starts with a plan. This Process is aimed at helping the clients crystallize their financial goals and objectives.

Sause is both a Life and Qualifying member of the Million Dollar Round Table (MDRT*). In 2014 the Brett & Molly Sause Family Charitable Fund was established. This fund was created to benefit children in need from infancy to adolescence.

Brett has been featured in numerous financial publications, such as Life Insurance Selling Magazine and Advisor Magazine and has been the keynote speaker at many insurance and financial practices around the east coast. From 2009-2011 Brett served as the President of NAIFA- Anne Arundel, a local chapter of NAIFA. Brett was awarded "Agent of the Year" from NAIFA-Anne Arundel in 2009 and 2010.

Brett is an avid boating enthusiast, and loves spending time on the Chesapeake Bay with family and friends. He is an Eagle Scout and is a Life member of the National Eagle Scout Association. In 2014 the Baltimore Area Council, Boy Scouts of America. Awarded Brett the Eagle Scout CEO of the Year. He and his wife Molly and daughter Emily reside in Wye Mills, Maryland.



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