Brad Mainster, ChFC®, RHU®
LPL Investment Advisor Representative
Covenant Financial Strategies, Inc.
Bel Air, MD
Brad Mainster, ChFC®, RHU® is a financial advisor and insurance professional with over 24 years industry experience. He has been a self-employed independent insurance broker for over 21 years. He is a Chartered Financial Consultant® (ChFC®) and a Registered Health Underwriter (RHU®). He serves all of Harford County as well as Cecil, Baltimore, Kent, Queen Anne's, Anne Arundel, Howard, Carroll, and Frederick Counties, Baltimore City along with parts of Delaware and Pennsylvania in the areas of investment planning, client portfolio management, insurance, retirement planning, estate planning strategies, tax strategies, and small business strategies.
Brad began working with LPL Financial in September, 2010, and prior to founding Covenant Financial Strategies, Inc. in late 2013 was a financial advisor with the Maryland Agency Financial Group, Inc. for over 3 years. Prior to that, he spent 16 years as a Registered Representative with International Money Management Group, Inc., a boutique broker/dealer firm located on Maryland's Eastern Shore. He is a member of the Maryland Chamber of Commerce and serves on the Health Care Task Force. Brad is also a member of the National Association of Insurance & Financial Advisors (NAIFA) as well as the National Association of Health Underwriters (NAHU), and serves on the Joint Legislative Committee of the MD state association of these combined organizations. In 2003, Brad was appointed by the Maryland Insurance Commissioner to serve a 4-year term on the board of directors of the Maryland Health Insurance Plan. Brad is also a member of Kingdom Advisors. He previously worked as a SmartVestor Pro, a qualified investing professional with Ramsey Solution's SmartVestor program*, and still utilizes those principles to assist clients seeking to become free of debt.
Brad earned his ChFC® and RHU® designations from the American College in Bryn Mawr, PA. Prior to moving into the financial services field, Brad spent 10 years in the automotive industry, half of which were in management, including Service Manager for a major Baltimore multi-franchise dealer, and Parts & Service Director for a large new car dealer in Harford County. He was trained in dealership management, including dealership financial management, through both the General Motors University of Automotive Management and Mitsubishi Motors Corporation. He also attended Catonsville and Harford Community Colleges. Immediately prior to entering the financial services profession, Brad spent two years in the environmental industry where he was General Manager and a junior partner of a firm that serviced the major oil, chemical, and utility companies as well as the shipping industry and the US Navy in the Mid-Atlantic region.
Brad has been married to his high school sweetheart, Lea Ann, for 35 years, and they have two grown children, one son-in-law, and one granddaughter. In his spare time, Brad enjoys playing guitar (electric, acoustic, and bass) as well as drums. His wife was a long time Contemporary Worship Director, which has provided Brad the opportunity to play in one or more Praise Bands on a weekly basis for over 19 years. Brad served on Church Council and church committees for a number of years in the past, and also served 8 years as assistant treasurer for a member-owned community organization. In 2017 Brad and his wife became members of Mountain Christian Church, attending the Bel Air Campus, where Brad is a guitar player on the worship team and his wife has become active in several ministry areas. Prior to moving to Harford County in 2005, Brad lived in the Perry Hall/White Marsh areas of Baltimore County for 41 years.
*The SmartVestor program is a directory of investment professionals. Neither Dave Ramsey nor SmartVestor are affiliates of Covenant Financial Strategies or LPL Financial.