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Sally E. Law  |  Janice L. Henderson  |  Barbara D. Heft
Alyson Maher  |  Ramzi Baklouti  |  Judith Bamberger

Sally E. Law

Sally E. Law is Chairman of the Board of Directors of Law & Associates, Inc. The firm has provided financial planning services to individuals, families, and small corporations since 1980.

A financial planner since 1973, Sally cofounded American Financial Consultants, Inc., which she sold in 1980 to create Law & Associates, Inc. The Mohican Company also was created at that time to sell and manage insurance.

In 1980 Sally Law became professionally associated with Raymond James Financial Services, Inc. At that time, Raymond James was a small, regional, privately owned brokerage firm in Florida. Today it is a large, publicly owned corporation, with international offices.

A Series 8 principal, Sally’s credentials allow her to supervise branch activities. In addition, she maintains many insurance licenses. She was the first woman to be appointed to the Chairman’s Council of the Investment Management Division of Raymond James and has consistently been on the Chairman’s or President’s Council from 1981 to 2013. She is also a founding member of the Women Circle.

Sally has been a member of the Independent Financial Planners Association since 1973. She is a member of the National Capital Area Chapter of the Financial Planning Association (FPA) and served on the Advisory Council for the Financial Services Institute (FSI). She holds the designation of Investment Management Consultant from Raymond James’ Institute of Investment Management Consulting (IIMC).

A proud parent and grandmother, Sally has been a resident of the Washington, D.C. area since 1964. She also takes pride in counting her first client among the many she now serves.

Janice L. Henderson, CFP®

Janice L. Henderson is the Chief Executive Officer and Chief Compliance Officer of Law and Associates, Inc. She has been a Certified Financial Planner practitioner since 1988, joining Law & Associates, Inc. in 1994.

She received her Bachelor of Science degree in business administration in 1986 and CFP® designation in 1994 from the College for Financial Planning. Janice is a registered securities principal through Raymond James Financial Services, Inc. She was appointed co-branch manager in 2004. She holds the designation of Investment Management Consultant from Raymond James' Institute of Investment Management Consulting (IIMC). Janice served on the Raymond James Compliance Advisory Council as well as on Raymond James' Client Experience Technology Advisor Council. She also holds a Virginia license for life and health insurance as well as variable annuities. She is an active member of the National Capital Area Chapter of the Financial Planning Association (FPA), as well as the Financial Services Institute (FSI). She also has been a speaker at the Raymond James Financial Services, Inc. National Conferences for Professional Development.

A native of Fairfax County, Virginia, she has served on the Board of Trustees of her alma mater, Shenandoah Valley Academy. She has also led the Finance Committee, as well as served on the board of her church in the town of Vienna. Janice enjoys relaxing with her family, especially her two young nephews, as well as spending time with her dogs, Mona and Bear.

Barbara D. Heft, CFP®, CDFA, CRC®, MBA, CMA

Barbara D. Heft came to Law & Associates, Inc. in 2005 with a background in accounting. She received a Bachelor of Arts degree from the University of Washington in 1977 and Masters in Business Administration from Seattle University in 1998.

Born in Washington, D.C. and raised in Silver Spring, Maryland, she spent more than 20 years living in the Pacific Northwest, where she handled corporate accounting for an international firm. Upon returning to the Washington area in 1998, she worked in public accounting, performing accounting and tax services for individuals, small businesses, and nonprofit organizations. She also owned and operated a small retail business.

Barbara has been a Certified Financial Planner Practitioner since 2007. She is also a Certified Retirement Counselor (CRC®), and Certified Divorce Financial Analyst (CDFA). As a Certified Divorce Financial Analyst, she works in partnership with a client and his or her lawyer to analyze and understand how financial decisions made during the divorce process will impact the client's financial future. She has also been trained in the Collaborative Divorce Process in which she works together with the divorcing couple, their lawyers and coaches.

In addition, Barbara is securities licensed and holds a Maryland state insurance license for life and health insurance and variable annuities. A Registered Representative through Raymond James Financial Services, Inc., she is an active member of the National Capital Area Chapter of the Financial Planning Association (FPA), Financial Services Institute (FSI), the Institute for Divorce Financial Analysis (IDFA), and the Institute of Management Accountants (IMA). The Raymond James Institute of Investment Management Consulting (IIMC) granted her the designation of Investment Management Consultant. She also has been a speaker at the Raymond James Financial Services, Inc. National Conferences for Professional Development.

With her three children now grown, Barbara lives near her extended family in Bethesda, Maryland. She especially enjoys spending time with her granddaughter. Barbara has volunteered with Honor Flights, the nonprofit organization that transports America’s veterans to Washington, D.C. to visit the memorials dedicated to honor their service and sacrifices.

Alyson Maher, CFP®

Alyson Maher joined Law & Associates, Inc. in August 2013 as an Assistant to the Financial Planners. Alyson grew up in Ashville, New York and now resides in Arlington, Virginia with her husband Mathew and dog Dahlia. Alyson is a Certified Financial Planner professional, a Registered Representative through Raymond James Financial Services, Inc. and also holds her Virginia state insurance license for life and health. She is a graduate of Kent State University where she earned a Bachelor's degree in Business Administration with a major in Finance. Alyson volunteers every winter, around Christmas time, for the Salvation Army Red Kettle. In her free time, Alyson enjoys playing tennis, soccer, reading and spending time with her friends and family.

Ramzi Baklouti

Ramzi Baklouti joined Law & Associates, Inc. in June 2011 as Assistant to the Financial Planners. Born and raised in Tunisia, he studied civilization and literature at the Faculte de Science Humaines in Tunisia before he moved to the United States in 2000 to continue his studies. Ramzi earned a Bachelor of Business Administration degree with a concentration in finance from Strayer University. He earned his Master’s in Business Administration from the University of Maryland University College. He is a Registered Representative through Raymond James Financial Services, Inc. Fluent in Arabic, French, Spanish, and English, Ramzi’s expanded interest and understanding of business finance, along with his strong managerial skills, stem in part from work at Bread and Chocolate, Inc. and Harris Teeter, Inc. Ramzi enjoys volunteering with the City of Gaithersburg as a youth soccer coach. He lives with his wife, Ada, and children in Gaithersburg, Maryland.

Judith Bamberger

Judith Bamberger joined Law & Associates, Inc. in January 2012 as Office Manager and Administrative Assistant. A native of Newcastle-upon-Tyne in the North East of England, Judith spent most of her adult life in France before coming to the United States. Living in Paris, she was a librarian at the American University of Paris and subsequently an administrative assistant at the British Embassy. From 1992 through 1997, she worked as an administrative assistant and registry officer for the Ambassador and Deputy Head of Mission at the UK delegation to the Organization for Economic Co-operation and Development.

Judith's solid background in office administration and her strong organizational skills are put to great use in our office. Judith moved to Bethesda, Maryland, in 2002 after her husband, Craig, retired as General Counsel of the Paris-based International Energy Agency. She enjoys spending time with her family. Judith is an avid gardener and reader, and she and her husband love good food and wine. Judith and Craig enjoy traveling to visit family and friends in Somerset, England and throughout France.

About Raymond James

Founded in 1962 and a public company since 1983, Raymond James & Associates, Inc. is a diversified financial services holding company with subsidiaries engaged primarily in investment and financial planning, in addition to investment banking and asset management. Its stock is traded on the New York Stock Exchange (RJF).

Through its three broker/dealer subsidiaries, Raymond James Financial Services, Inc. has more than 6,500 financial advisors serving 2.7 million accounts in 2,600 locations throughout the United States and overseas. Client assets total approximately $500 billion, of which approximately $43 billion are managed by the firm’s asset management subsidiaries.

Raymond James has been recognized nationally for its community support and corporate philanthropy. The company has been ranked as one of the best in the country in customer service, as a great place to work, and as a national leader in support of the arts.

The name of the company comes from a merging of companies run by Robert A. James and Edward Raymond. Raymond James was incorporated as Robert A. James Investments in 1962. In 1964 Raymond and Associates merged into Robert A. James Investments, and the firm of Raymond James & Associates, Inc. was formed. The data provided above is for informational purposes only and is not a solicitation to buy or sell Raymond James Financial stock.

About Our Place in History

Located in Glen Echo, Montgomery County, Maryland, Law & Associates, Inc. makes its home in a pre-Civil War cottage named for Heather Law. Glen Echo is perhaps best known as the home of Clara Barton. The "angel of the battlefield" and founder of the American Red Cross, Miss Barton lived here from 1897 until her death in 1912. The National Park Service maintains her residence, which is open to visitors.

One of the smallest towns in Maryland, Glen Echo has 103 buildings and 242 inhabitants. It sits on 22 acres along the Potomac River near the historic C&O Canal and just two miles from the District of Columbia border.

The community was founded by Edward and Edwin Baltzley. An inventor, Edwin made a considerable sum by developing a spatter-proof mechanical eggbeater that reversed direction halfway through each turn of the crank. In 1888, the brothers sold the eggbeater patent and factory in order to begin investing in real estate.

They purchased the Glen Echo property to build Montgomery County’s first large real estate development and named it Glen-Echo-on-the-Potomac. Here they also established a National Chautauqua, a quasi-religious summer school that included education, cultural activities, and entertainment. The Baltzley brothers expected to sell small but very expensive tracts of land to the educationally elite.

Due to a reversal of fortune, the Baltzleys rented the park in 1899 to the Glen Echo Company, which added a merry-go-round, bowling alley, band pavilion, and picnic grounds. Alonzo P. Shaw, who built the huge Coney Island Elephant, was brought in to manage the park. He installed a Ferris Wheel in Clara Barton’s front yard and a roller coaster that came screeching by her window. He was hoping to drive her out of her house so he could turn it into a hotel. Although she remained in the home, the Glen Echo Amusement Park was created. The park became a hugely successful family playground with wholesome attractions.


One of the most popular attractions was a carousel made by the Dentzel Company of Philadelphia and installed in 1921. It still runs and is the only carousel of its age and quality that has remained in its original location. When the amusement park eventually closed in the late 1960s, the carousel was sold to a Virginia collector. However, local residents became concerned that it would be sold piecemeal and, in 1970, raised $80,000 to buy it back. Painstakingly and lovingly restored, the carousel is beloved by everyone who visits the park, including the many schoolchildren who flock to it each year.

Glen Echo Park was transferred to the U.S. government on April 1, 1970, in a land exchange. It eventually became part of the Department of the Interior. Today Glen Echo Park is again a Chautauqua, a center for learning and entertainment that is administered under a unique partnership between the National Park Service and the state of Maryland. Classes are offered in painting, ceramics, sculpture, photography, ballet, ballroom dancing, folk dancing, textiles, enameling, puppetry, and many other arts. Weekend dances and theater events are once more delighting the nation’s capital.

“Heather Cottage,” which Sally Law renovated with great care in 1990, is not only an important part of Glen Echo’s past but also of its future: Sally recently added energy-saving solar panels, keeping her building as in step with the times as are her financial services.

CFP® | Certified Financial Planner™ |
Certified Financial Planner Board of Standards, Inc., owns the certification marks above, which it awards to individuals who successfully complete initial and ongoing certification requirements.

i Raymond James is not affiliated with The Mohican Company.
2 Membership is based on prior fiscal year production. Requalification is required annually.
3 Registered Rep. list was compiled by Meridian IQ. Only financial advisors for whom at least 60 percent of client assets are retail were included on the list, and these advisors were ranked strictly by assets under management.


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