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About Financial Services

HMS Insurance Associates, Inc. builds custom solutions that integrate the financial needs of our business owner clients, their families and their key employees.  As your advocate, we take the time to deeply understand your goals and values and then develop strategies to help protect and preserve your wealth.

Backed by highly trained professionals and partners, our advisors have access to a broad range of financial solutions and resources to assist you with:

  • Financial Planning
  • Wealth Management
  • Insurance & Risk Management
  • Employee Benefits
  • Executive Benefits

By building comprehensive plans where all elements are working in unison, we can help you achieve what matters most - a strong financial future for you and your family.

Answering the Financial Questions that Count - A valuable SURVEY to help you understand your current financial situation and make informed decisions.


John Webster created an alliance with HMS Insurance Associates Inc. in the fall of 2015 to advise our clients on various matters of business and personal insurance, retirement planning and wealth management.  John has been working closely with small to mid-sized business owners in the Mid-Atlantic region for over two decades.  He started his career working alongside his father, Mickey at the insurance and benefits firm Webster-McDonald-Pfaff, Inc.  As the financial services industry became more comprehensive, John expanded his expertise while working as a financial advisor and institutional investment consultant with large wire house firms and also gained credit experience with a local start-up commercial bank. John brings a unique perspective and appreciation for the challenges facing business owners and their employees.  He lives in Towson, MD with his wife and three daughters.

John Webster's LinkedIn Profile   


Welcome to the HMS Financial Guide website!

Here you'll find a wealth of information in the form of newsletter articles, calculators, and research reports. We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation.

This website was created to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most importantly, we hope you see the value of working with skilled professionals to pursue your financial goals. We're here to help educate you about the basic concepts of financial planning, to help you learn more about who we are, and to give you fast, easy access to market performance and data.

Neither John Webster, HMS Financial Guide nor HMS Insurance Associates, Inc. is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, LLC.  Member SIPC (  Supervisory Office: 11350 McCormick Road, Executive Plaza IV, Suite 200, Hunt Valley, MD 21031. 410-785-7654.

HMS Financial Guide is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies. Alliance firms are not affiliated with MML Investors Services, LLC and are solely responsible for their own products and services provided.

Neither John Webster, HMS Financial Guide nor HMS Insurance Associates, Inc. provide tax or legal advice. Consult a tax or legal professional for such guidance.                                                           CRN202109-253057

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