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 is a Lifetime member and has qualified for the Million Dollar Round Table (MDRT)  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 onAmelia Island in northeast Florida and they have four children from previous marriages. The children live in Anne Arundel County, Roanoke, VA, and California. They have seven grandchildren that continue to add meaning to our lives.

Hobbies for Walton include furniture building, boat building, adventures on his motorcycle, and travel. Linda is a retired Nurse Practitioner from Johns Hopkins Hospital. She now paints portraits, enjoys traveling and loves spending time with her grandchildren.

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 being outdoors together. Both children are very active and love playing hockey, along with other sports. Penny loves to stay involved as the team manager and board member of their hockey association.

Our Associates

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Mark Apolenis
Associate Successor

Mark knew early in life that he wanted to help people achieve financial freedom. He graduated in 2004 from Salisbury University where he received a duel major in Corporate & Personal Finance, Certified Financial Planning. By leveraging the latest technology to enhance his client’s experience without giving up the human connection, Mark is able to help clients crystalize their personal and financial goals to create a plan that preserves and achieves what is most important to the client and their family.

Mark is a fully licensed Financial Advisor holding his FINRA series 6, 7, 63 and 66 licenses. Mark has also qualified for the prestigious Million Dollar Round table* consecutively since (2013 - 2020), the industry-worldwide organization recognizing the top producers in the world. Mark is evolved in the Anne Arundel Estate Planning Council as well at the Eastern Shore Association of Insurance and Financial Advisors.

Mark lives with his wife, Karen and their two girls on the Eastern Shore of Maryland and services clients from Annapolis to the Maryland and Delaware Beaches. When he is not working you can find him spending time at the beach, playing golf, volunteering through the local Lions Club, or being a dance dad for his girls.

*MDRT is recognized throughout the industry as the standard of excellence in life insurance sales performance.

Walton Headshot

Hannah Adams
Office Manager for Mark Apolenis

Hannah Adams joined Mark Apolenis in August of 2017. She graduated from the University of Tennessee in 2015 with a degree in Hotel and Tourism Management. After graduation, she found herself in a position at State Farm as an Office Manager. She worked in the insurance industry for two years before being introduced to Mark Apolenis and his team. Since then she has worked for the firm as a client relations specialist, new account manager and executive assistant.

Hannah was born & raised in Tennessee. She married her college sweetheart, Robert Adams, in September 2017. When they’re not at work they enjoy spending time with their dog, Toby, boating and traveling.



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