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 .



Patrick Laughrige

Financial Planning Assistant

Patrick Laughrige was born and raised in the DC metro area. After graduating from DeMatha High School he began his undergraduate studies in Business at Salisbury University.  Early into his college career, Patrick developed a deep interest in technology. He decided to pursue a major in Business Information Systems and Decision Sciences. While at Salisbury, Patrick taught himself web development and design, and began working with various local business. Upon the completion of his coursework he decided to go into business for himself as a full-time web developer. His work in the tech space introduced him to a diverse group of industries including a vineyard, an acupuncturist, a law school, an insurance company and several real estate agencies.

Patrick observed that companies and their employees were struggling to manage their finances. His desire to solve problems and help others inspired him to change direction and he is currently pursuing a second degree in Finance (also at Salisbury) and an internship in financial planning here at Toler Financial Group. Upon graduating in May of 2019, he intends to help individuals and companies within his community prosper, financially and technologically. Patrick enjoys exercising and sports on his time off.


Sophia Toler-Smith

Event Planner

Sophia Toler-Smith was born and raised just outside DC. She is a senior at the University of Maryland, currently pursuing a degree in environmental science and technology. She is interested in the intersection of technology, ecology and urban design and hopes to start a career in a related field upon graduating. She came to Toler Financial Group the summer of 2018 to help with event planning and marketing.

Sophia enjoys hiking, camping and traveling in her spare time.


Lillian McMath, MBA

Marketing Manager

Lillian McMath has over 30 years of diversified experience in management, marketing, technical and instructional areas.  As founder of McMath Marketing Optimization, she has worked to help clients analyze their customer’s needs and adapt their on-line marketing to meet them.  She has been with Toler Financial Group since its inception by working on its on-line presence, especially its web site.

Lillian has raised four children and now lives in Wyoming and California.  Her hobbies center around hiking: leading groups, collecting mushrooms or studying geology.


Close This Panel