Our Team

Our Team
Ozer Culhagil, PhD


Ozer began his career in London and has over 20 years of experience in the financial services industry. He holds a PhD in Finance and is also a Special Needs Planner. Ozer’s client centric approach to planning focuses on education, advocacy, and coordination of the goals individuals have for themselves and their family. This holistic approach considers investment, retirement, estate, tax, education, and insurance objectives in shaping a financial plan tailored to the needs of the client. As a caring advisor, Ozer is dedicated to learning about your personal goals. Some of his particular areas of experience include: estate planning, funding and withdrawing from retirement plans and IRAs, taking full advantage of retirement benefits, and maximizing Social Security benefits. Baltimore magazine selected Ozer as a Five Star Wealth Manager for the past three years. He understands his clients are in various stages of life and believes a financial plan must be tailored toward pursuing both short and long term objectives.

Our Team
Prashant Sabapathi

Vice President

Prashant is a financial advisor for Retirement Planning Services, Inc. and brings to the firm experience in insurance planning, retirement planning, and wealth management. As a trusted advisor, Prashant believes in using a comprehensive approach to financial planning in order to help ensure that all of his clients’ financial objectives are achieved. He is a lifetime Maryland resident and a graduate of the University of Maryland with a B.A. in Economics. He currently holds the Series 6, 63, and 65, as well as Life and Health licenses in the state of Maryland. He specializes in includes helping individuals create, manage, and protect wealth over the course of their lifetime, while employing tax efficient strategies. As a resident of Baltimore, MD, Prashant is involved with local organizations such as Baltimore Talent Education Center.

Our Team
Nick Innerbichler*

Director of Operations & Financial Advisor

Nick serves as the Director of Operations and Financial Advisor/Investment Adviser Representative for Retirement Planning Services, Inc. Nick began his career in the financial services industry in 2004 and has served as both a Financial Advisor and Operations Manager. His experience includes wealth management and managing the operations of a 100+ advisor financial services office. Nick takes pride in working closely with clients on their individual insurance and investment needs. Nick is a graduate of Towson University with a BS in Marketing. He holds the Series 7 & 66 as well as his Life & Health license in the state of Maryland. Nick lives with his wife Amy and their sons Sean & Evan in Columbia, Maryland.

Our Team
Larsson Davis, LUTCF

Customer Care Specialist

Larsson recently joined Retirement Planning Services as the Customer Care Specialist and brings over 13 years of experience in financial services and business management. Larsson has served in many capacities in the financial services industry over the years. His roles have included but are not limited to: compliance, team management, team building, and liaison between client and management.

Larsson graduated from Northeastern University in 2002 with a degree in Business Administration with concentrations in Marketing and Entrepreneurship. He currently lives with his wife and two children in Baltimore.

Our Team

Office Coordinator

Kaniz is the office coordinator for Retirement Planning Services and joined our team in 2017. She holds a bachelor’s degree in marketing and is the first point of contact for clients of RPS. Kaniz is a dedicated and technically skilled business professional, with a natural tendency to keep things organized and orderly. She has a versatile administrative support skill set, developed through experience as an office manager and client relations manager. With a background of over 10 years providing outstanding client experiences, she is a resourceful, accomplished and personable team member. Having worked in all facets of client relations, Kaniz is excited to foster growth and aid in cultivating long term relationships with clients at RPS.