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Our Team

Ozer Culhagil PhD Retirement Planning Services
Ozer Culhagil, PhD


Ozer began his career in London and has over 20 years of experience in the financial services industry. He holds a Ph.D. in Finance and is also a Special Needs Planner. Ozer’s client-centric approach to planning focuses on education, advocacy, and coordination of individuals’ goals for themselves and their families. This holistic approach considers investment, retirement, estate, tax, education, and insurance objectives in shaping a financial plan tailored to the client’s needs. 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 life stages and believes a financial plan must be tailored toward pursuing short and long-term objectives.

Nick Innerbichler Retirement Planning Services
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 insurance and investment needs. Nick is a graduate of Towson University with a BS in Marketing. He holds the Series 7 & 66 and his Life & Health license in the state of Maryland. Nick lives with his wife Amy and their sons Sean & Evan in Columbia, Maryland.

Prashant Sabapathi Retirement Planning Services
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 financial planning approach to 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 Maryland. He specializes in helping individuals create, manage, and protect wealth throughout their lifetime while employing tax-efficient strategies. As a Baltimore, MD resident, Prashant is involved with local organizations such as Baltimore Talent Education Center.

Larsson Davis, LUTCF Retirement Planning Services
Larsson Davis, LUTCF®

Chief Operating Officer

Larsson serves as the Chief Operating Officer for Elite Income Advisors, Inc. & Retirement Planning Services, Inc., based out of Columbia, Maryland. Overseeing both firms’ day-to-day operations, he brings over 15 years of financial services and business management experience. He holds a Life & Health Insurance License and has obtained the Life Underwriter Training Council Fellow (LUTCF®) designation. Larsson studied at Northeastern University and earned a Bachelor of Science in Business Administration with concentrations in Marketing & Entrepreneurship. He is also a Notary Public of the State of Maryland. Larsson lives in Pikesville with his wife, daughter, son & dog.

Michael Harzell Retirement Planning Services
Michael Hartzell

Vice President of Financial Planning

Michael serves as Vice President of Financial Planning for Elite Income Advisors, Inc. & Retirement Planning Services, Inc., based out of Columbia, Maryland. He brings over 17 years of experience in financial services and business management. Michael oversees the Dame Ramsey SmartVestor program and financial planning for the office. He holds a Life & Health Insurance License, Property and Casualty License, Series 7 License, and Series 66 License. Michael attended the University of Maryland with a major in Chemical Engineering. He is also a Notary Public of the State of Maryland. Michael lives in Finksburg with his wife, two sons, and daughter.

Bill Fortin Retirement Planning Services
Bill Fortin

Strategic Partnerships

In this role, Bill oversees Auto, Home, and Commercial sales as well as strategic partnerships of the organization that is based in Columbia, MD. Bill has been in the insurance industry since 1989. He started his career over 29 years ago as Sales Rep for leading Life carrier and has subsequently been involved in several sales organizations and most recently as a Sales Director working with Independent agents across the country for the last 14 years. His experience in this capacity includes sales and marketing, strategic planning, agency development, and underwriting.

Kaniz Merchant Retirement Planning Services
Kaniz Merchant

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 ten 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 cultivate long-term relationships with clients at RPS.