Our Team

Steven A. Aquino, RFC, CSA


Steve’s firsthand experience as a family man, a business owner, and being active in his community, provides him with appreciation for proactive planning. For over two decades, Steve has shared his extensive knowledge and expertise in the areas of comprehensive financial planning, business planning and wealth management with his clients for both individual families and businesses. Steve is a Registered Financial Consultant (RFC) and an Investment Advisor Representative. 

A resident of Carroll County, Steve is a graduate of McDaniel College. He was elected to two terms as the Maryland State President of the National Association of Insurance and Financial Advisors (NAIFA-MD) by his peers in his profession, is past Chairman of the Board for the Carroll County Chamber of Commerce, and involved with many other boards/ organizations in the community. 


NAIFA-MD Recipient of the Paul J. Murphy Award 

NAIFA- MD Inducted into Hall of Fame 

Carroll County Chamber of Commerce Small Business of the Year Award

NAIFA Carroll/Howard member of the year

Bobbi Koppenhaver

Executive Assistant

Bobbi joined Aquino Financial Group, LLC in January of 2006. She is a Certified Mediator bringing extensive expertise for developing and maintaining relationships with clients and associates. Bobbi lives in Carroll County and has worked in the County for the past 15 years.


Benjamin Yingling, CIC, CRM, CLCS, CRIS

VICE PRESIDENT of Craford-Yingling Insurance

Benjamin serves as Vice President of the agency and oversees all aspects of the business. Ben strives to help businesses implement and leverage risk management strategies to better position themselves in the insurance marketplace. He recently obtained the Certified Insurance Counselor Designation and Certified Risk Manager Designation after completing over 200 hours of course work and multiple comprehensive essay examinations. In additional he holds the Commercial Lines Coverage Specialist Designation, Construction Risk Insurance Specialist Designation, Ben is the current Chairman of the Board for the Carroll County Chamber Of Commerce, and sits on The Maryland Chamber of Commerce board of directors. He is a board governor for the Loyola Blakefield Alumni Association and is past chairman of the Carroll Hospital Golf Committee. Ben is also an active Rotarian. Ben resides in Westminster, MD with his wife Amy.

Crawford-Yingling Insurance Risk Management
Capital Financial Benefits Solutions
58 West Main Street
Westminster, MD 21157
Phone: 410-848-7464
Fax: 410-876-2043

Michael E. Schwartz, CPA


Michael E. Schwartz, CPA has over fifteen years extensive experience with limited liability companies, S corporations, limited partnerships, C corporations, nonprofit organizations and individual taxation. As a sole practitioner, he provides a holistic and personalized approach to a myriad of complex tax issues. The range of business tax services are available for individuals, family offices and private companies, and encompasses tax planning, tax compliance, controversy and risk management, and tax management consulting in an array of industries including real estate, dental, management services, construction and manufacturing. Michael can be reached at taxservices@michaeleschwartzcpa.com and 410-615-1691.