The Team

Frances Toler, MSFS 


Frances Toler brings an abundance of business and life experience to her financial practice. She began in 2001 working with First Financial Group (Guardian Life Insurance) for 11 years, and then continued her success with Toler Financial Group under New York Life for three years before moving her growing firm to Cambridge Investment Research, Inc. in 2015.

She received her Master of Science in Financial Services in 2011 to help her continue to manage an outstanding financial practice. Earlier in her life she gained first hand business experience in accounting and small business management at the Women’s Community Bakery, and later in health care and non-profit management with the Washington Free Clinic. She graduated from midwifery school in 1992, and had a homebirth practice as a CPM for 10 years. She received a BA from Williams College in 1984.

Frances grew up and raised her family just outside DC, and is delighted that her adult daughters are living nearby. She enjoys many outdoor activities, and recently founded a small grassroots environmental group, Friends of Dueling Creek. She is an avid naturalist, with a lifelong interest in medicine and the life sciences, and the photos on this site are her early efforts at photography.

Juanita MaddenEllington

Administrative Operations

Juanita MaddenEllington is a Brooklyn, NY native, and attended grade school in Georgia. After graduating at the top of her class, she served 8 years in the United States Navy. While in the Navy she worked in the Sales and Service Division, and also Quality Assurance. After being at sea for 6 years, in 2015 she decided to separate from the Navy and pursue her Bachelor’s Degree in Business Administration. She currently attends Stratford University and is excelling gracefully.

During her leisure she participates in various community and national activities such as masquerade, and making costumes for local and international Caribbean Cultured Carnivals. In doing this she has been able to touch the lives of so many with her wonderful personality and giving heart .



Nandan Vithlani

Investment Operations

Nandan Vithlani is a Finance and Accounting major at the Smith School of Business (University of Maryland), entering his junior year. He began with Toler Financial Group as a summer intern in May 2016 and will be continuing part-time during the school year. Many of you met him this summer, and can attest to his friendly and helpful approach.

His primary interests are in equity research and pursuing a career in financial services, banking, and related fields. As an intern, he was able to significantly update and organize our firm’s investment tracking and management systems. He also has engaged in a very helpful independent project to identify sustainable investment options that we may want to consider in our firm’s portfolios.

He is from Howard County, and has lived in Maryland with his parents and sister his whole life. His hobbies include basketball, hiking, and reading.