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Joseph Abiodun Apanisile

Advisor at Cetera — Laurel, MD Park Center Drive

Updated today

Credentials

Series 65

Experience

3 years

Location

Laurel, MD 20707

Cetera logo

Cetera

Institution

Total advisors

10,182

Across 5,098 offices

Clients per advisor

79 Low

Avg AUM per client

$306,089 Low

HNW client ratio

10% Low

About

Joseph Apanisile is a financial advisor with Cetera, holding a Series 65 designation and three years of industry experience. He previously worked at Avantax Advisory Services for five years and has operated Joseph Associates CPA, a CPA firm, since 2011. His background includes roles outside financial services, such as work with ARS/Rescue Rooter. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various investment programs and portfolio management options through a multi-manager platform, supporting both discretionary and non-discretionary authorities.

Client services

Based on Cetera

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Based on Cetera

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy

Occupation focus

Based on Cetera

Founder/Business Owner Executive

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Fee options

Fixed

Flat fees may be charged for financial planning and consulting services as negotiated with advisor.

Percentage

$0 - $250,000: up to 2.90% $250,001 - $500,000: up to 2.90% $500,001 - $1,000,000: up to 2.70% $1,000,001 - $2,000,000: up to 2.00% $2,000,001+: up to 1.50%

Commissions

Advisors may be registered representatives and licensed insurance agents earning commissions on securities and insurance products.

Project-based

Consulting and financial planning services may be charged on an hourly rate basis, ranges not specifically stated.

Other

Account minimum: $5,000 Fee-only: Flat fees for financial planning and consulting services; hourly fees for financial planning and consulting according to client agreement; fees negotiated with advisor.

Location

See office

Laurel, MD Park Center Drive

14207 Park Center Drive, #104

Laurel MD 20707

Advisors at this office

1

Most active in

Maryland

Work history

3 years of industry experience

Cetera

2025 - Present • 1 year

Schaumburg, IL

Avantax Advisory Services

2020 - 2025 • 5 years

Laurel, MD

ARS/Rescue Rooter

2016 - 2018 • 2 years

Laurel, MD

Joseph Apanisile, CPA, LLC dba Joseph Associates CPA

2011 - Present • 15 years

Laurel, MD

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

user avatar

Gerardo M

CFA®

Washington, DC

BLU Capital

Gerardo Martinez Y Carriles is a CFA® charterholder with one year of experience in financial advising. He is the sole advisor at BLU Capital and previously worked at Berlin Wealth Group Advisors and International Fintech Intelligence. BLU Capital serves institutional and individual clients, including foundations, pension plans, and small businesses. The firm uses a combination of fundamental research, quantitative modeling, factor-based strategies, and ESG screening, and offers services such as portfolio management, financial planning, and consultant selection.

ESG / Sustainable investing Private / alternative investments Factor investing / smart beta Charitable giving & philanthropy General estate planning guidance

Kevin M

CFP®, Series 65

Washington, DC

Illumint

Hi, I'm Kevin. I'm a financial advisor in Washington, D.C., and the founder & CEO of Illumint. In 2017, I launched Illumint to offer financial planning for Millennials. I specialize in helping our generation answer the question, "Are we going to be ok financially?" For you, this may mean investing more of your savings. Or smartly managing an inheritance. Perhaps you want to put your kids on the right track financially. My work as a Certified Financial Planner™ draws on my past finance experience. I previously held financial roles in the NFL and in the commercial real estate industry. The birth of my first child, though, inspired me to become a financial advisor for Millennials in Washington, DC. Around this time, I noticed that couples like us lacked good options for financial advice. The limited advice that we did receive wasn't specific to our stage in life. And the industry's compensation structure often wasn't in our best interest. I wanted to see more fee-only financial advisors. I wanted to see financial advisors with expertise in student loans and renting vs. buying. I wanted financial planning to start making inherited IRAs, Health Savings Accounts, and 529 plans work for our generation. I work hard to put myself in a position to answer any questions that Millennials have on topics like these. To this end, I serve as a resource for many journalists. Over the years, I've provided insight to the New York Times, Wall Street Journal, Washington Post, CNN, NPR, and NBC News. And I've written for Forbes, Yahoo! Finance, Kiplinger, and Fatherly. I've also worked with employers and brands on a variety of Millennial-driven personal finance events and projects. I've partnered with John Hopkins University, Nestle, and General Assembly, among others. I'm proud to hold an undergraduate business degree from Georgetown University (Hoya Saxa!). I later added an MBA in finance from Georgia Tech (THWg!). Last, but certainly not least, I'm the father of two young boys, who couldn't care less about any of this stuff. They only care that I play with them after school.

Inheritance planning Multi-generational wealth transfer Inherited wealth Gen Y/Millennials (Born 1980-1995) Gen Z (Born 1996-2010)
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John B

CFP®

Clarksville, MD

Free State Financial Planning, LLC

John Bell is a CFP®-certified financial advisor with 21 years of industry experience. He is currently the sole advisor at Free State Financial Planning, LLC, having previously worked at Charles Schwab and Ameritrade, Inc. Beyond his advisory work, he serves as a FINRA arbitrator and acts as the financial secretary and council member of St. Paul's Lutheran Church, where he manages donation tracking and budgeting. Free State Financial Planning LLC provides fee-only financial planning services to individuals, high-net-worth clients, and businesses. The firm’s guidance is based on Modern Portfolio Theory, emphasizing passive investments through low-cost ETFs and no-load mutual funds, and focuses on delivering educational resources without discretionary investment management.

General retirement planning General tax planning Passive / index investing Charitable giving tax strategies Roth conversion strategy Government Employee Technology Professional Public Service Employee Approaching retirement Gen X (Born 1965-1980) Retired Baby Boomers (Born 1946-1964) Christian Faith Based

Michael H

CFP®, Series 63, Series 66

Ellicott City, MD

Forty W Advisors

Michael Hoffman is a CFP® with 18 years of industry experience, currently serving as Co-Managing Director of Forty W Advisors. He previously worked at Verdence Capital Advisors and held roles at Hightower Securities and Hightower Advisors. Forty W Advisors delivers comprehensive wealth management across three critical areas: financial administration, proactive tax-aware planning, and investment management with institutional access. Together, these services help align your personal wealth, family priorities, and business strategy into one coordinated plan, with the goal of reducing complexity and maximizing post-tax wealth.

Wealth management Equity compensation tax strategy Business sale tax planning Trust structures (GRAT, IDGT, revocable) Charitable giving tax strategies Self-Employed Executive Retired Mid-Career Professionals Established Professionals Retired
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Ben A

Series 66

North Bethesda, MD

Independent Financial Group, LLC

Ben Arie is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and two years of industry experience. He has worked at Sentinel Financial Group and Independent Financial Group since 2022 and previously spent one year at Plotkin Financial Advisors. Ben also has experience selling life and health insurance. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and retirement plans. The firm uses a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence to develop tailored investment strategies across various risk profiles.

Wealth management Active portfolio management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive Retired

Simeon E

Series 66, Series 7, TPCP®

North Bethesda, MD

LPL Enterprise

Simeon’s role is to help clients create a coordinated financial strategy that aligns their investments, taxes, retirement income, and long-term goals into one cohesive plan. A big part of his approach is helping clients simplify complexity and make confident decisions during periods of uncertainty.

Retirement income strategy Tax-loss harvesting General retirement planning General tax planning Wealth management Self-Employed Founder/Business Owner Approaching retirement Retired
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