Principals

N. Scott Gardiner

Founding President of Gardiner & Appel Group, Inc.

Past President of Severna Park, Annapolis and Northern Anne Arundel County, Chambers of Commerce. Active in a variety of charitable, civic and business organizations. Treasurer of the Annapolis Business Association. Scott lives in Arnold with his wife Kathy and three children Ryan, Meghan and Erin.

Karl J. Appel, CPA

Vice President of Gardiner & Appel Group, Inc

Past President of the Notre Dame Club of Maryland. Active in the Severna Park and Anne Arundel County Chambers of Commerce. Volunteer Small Business Counselor to SCORE. Karl lives in Severna Park with his wife Leigh and their two daughters, Jessica and Lynn.

Jay C. Middleton, ChFC

Principal of Middleton Gardiner Group, LLC

Active on numerous community boards with terms as President of the Severna Park Chamber of Commerce and the Chesapeake Youth Symphony Orchestra Treasurer, and Paul Harris Fellow of Rotary International. Jay and his wife Linda have five children, Erika, Meredith, Lindsay, Colin and Amanda, and live in Severna Park.

James E. Brennan, CFP

Principal of Middleton Gardiner Group, LLC

Recently awarded the “Financial Services Champion for 2005” by the Severna Park Chamber of Commerce. Active member with the Chamber, ASPIRE, and Education Boards in Severna Park, as well as an active coach with Severna Park Recreation Association. Jim lives in Severna Park with his wife Rhonda and daughter, McKenna.