Sally E. Law
 
Sally E. Law is Chairman of the Board of Directors and Chief Executive Officer of  Law & Associates, Inc. Law & Associates has provided financial planning services to individuals and small corporations since 1980.
 
Sally has been a financial planner since 1973.  That year she co-founded American Financial Consultants, Inc. which she sold in 1980 to create Law & Associates, Inc.  The Mohican Company was also created at that time to handle insurance business.   The Mohican Company and Law & Associates, Inc. remain wholly owned by Sally to this day. 
 
In 1980 Sally became professionally associated with Raymond James Financial Services, Inc.  At that time Raymond James was a small, privately owned, regional brokerage firm in Florida.  Today they are a large national corporation and publicly owned.
 
Sally is a Series 8 principal,  which would allow her to oversee trading on all eight major exchanges.  She is also a principal with Raymond James and maintains all pertinent insurance licenses.  Sally 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 Council, President’s Council, and/or Eagle’s Inner Circle for every year of her association.  Sally serves on the Intergovernmental Relations Board of Raymond James, Inc., the Securities Compliance Advisory Board, and Women's Symposium Advisory Committee.  She is a founding member of the Financial Planning Board and has been a member of the Independent Financial Planners Association for over 30 years.  She has been a regular featured speaker at Raymond James conferences both nationally and internationally at professional development conferences.  Sally recently earned the designation of Investment Management Consultant from Raymond James' newly established Institute of Investment Management Consulting (IIMC).  She is a member of the Financial Planning Association (FPA) National Capital Area Chapter and sits on the Advisory Council for the Financial Services Institute (FSI).
 
Sally has traveled extensively through-out Europe and the United States and has spent months exploring Africa and Vietnam which count as her two favorite trips. 
 
She is proud to still have the first client she ever had in business.  She is blessed with a strong following, devoted clientele, and a wonderful staff.  Her family, still with roots in Reading, PA, has been a wonderful support.
 
Sally is a member of Westmoreland Congregational United Church of Christ in Bethesda, MD. She is proudest of being a parent to Heather Anne Law, and of being Grandmother to Heather’s children, eight year old Noah, and three year old, Talulah Grace. Her hobbies include renovating old houses with a current project underway in Vienna, MD. 
 
Sally has been a resident of the DC area for 40 years and also maintains a home in Dewey Beach, DE.
Janice L. Henderson CFP®
 
With over 20 years of financial planning experience,  Janice L. Henderson (formerly Janice L. McDermott) has been a Certified Financial Planning Practitioner with Law & Associates, Inc. since November 1994.  In a Board of Directors meeting on June 30, 2008 Janice was elected President of Law & Associates, Inc. and Chief Compliance Officer.  She received her BS degree in Business Administration in 1986.  She obtained her 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 earned the designation of Investment Management Consultant from Raymond James' newly established Institute of Investment Management Consulting (IIMC).  Janice also holds a Virginia license for life, health and variable life insurance.  She is an active member of the Financial Planning Association (FPA) National Capital Area Chapter, and the Financial Services Institute (FSI). 
 
Janice has been a speaker at the Raymond James Financial Services, Inc. National Conferences for Professional Development.  
 
She currently serves as Chairperson of the Finance Committee, and sits on the Board for her church in Vienna, Virginia; where she is an active member.  She previously served as Treasurer and member of the Board of the Vienna Adventist Academy. 
 
Janice is a native of Fairfax, Virginia where she still resides and can often be spotted walking her three adopted dogs: Bear, Mona, and Callie.  She is an avid reader and loves spending her free time with family and traveling. She has visited such places as Australia, New Zealand, Greece, Italy, England, and Wales.      
Barbara D. Heft, CFP,® CRC®, MBA, CMA
  
Barbara D. Heft comes to Law and Associates with a background in accounting.  She received a Bachelor of Arts degree from the University of Washington in 1977 and a Masters of Business Administration from Seattle University in 1998.  Born in Washington, D.C. and raised in Silver Spring, she spent over twenty years living in the Pacific Northwest.  While there, she spent several years performing corporate accounting for Priority Management Systems, Inc. in the U.S. corporate office of this international company.  She earned the Certified Management Accountant designation in 1996.  Upon returning to the D.C. area in 1998, Barbara worked in public accounting, performing accounting and tax services for individuals, small businesses and nonprofit organizations.   She has also owned and operated a small retail business.  Barbara is a Certified Financial Planner, as well as a Certified Retirement Counselor.  She is securities licensed and also holds a Maryland state insurance license for life and health insurance as well as variable annuities.  She is a Registered Representative through Raymond James Financial Services, Inc.    Barbara is a member of the Financial Planners Association, Financial Services Institute, the Institute of Management Accountants and was granted the designation of Investment Management Consultant from the Raymond James Institute of Investment Management Consulting.
 
With her children now grown, Barbara lives in Bethesda near much of her extended family.  Her sons Gregory and Evan live in Florida and her daughter Meredith lives in the Washington DC area. 

Joseph I. Ruch

Joe came to work for Law & Associates first, as a summer intern in 2001 and 2002, while he was a student at Penn State University.  While in school, Joe worked at D.P. Dough as a Supervisor, to pay his way through college.  Joe graduated in 2004 with a degree in Economics; and, immediately went to work as a Compliance Advisor for Raymond James Financial Services, Inc., in St. Petersburg, Florida.  In March of 2006, Joe decided to move his family back to the Washington, DC area; and, once again work for Law & Associates, Inc. 
 
Joe assists Janice Henderson and Sally Law in maintaining Securities Compliance for this office;  which also serves as a Branch Office of Raymond James Financial Services, Inc. He also oversees all client day to day operations, and makes certain the office operates with quality control. 
 
Joe is a registered  securities principal through Raymond James Financial Services, Inc.  He is a member of the Financial  Services Institute (FSI) and the Financial Planning Association (FPA).    Joe was granted the designation of Investment Management Consultant from the Raymond James Institute of Investment Management Consulting.
 
Joe comes from Staunton, VA where his Mother, Father, Sister, Nephews and Grandparents still reside.  He was very involved with scouting and obtained the level of Eagle Scout.  Joe now lives in Rockville, MD with his wife, Heather, their children, eight year old Noah & three year old Talulah, their cats, Nittany & Tussey, and their dog, Jack.
Helene Brown
 
Helene Brown joined Law and Associates in February of 2010. Helene earned a degree in marketing and economics from the Institute of Technology in Paris, France in 1993. By spending fourteen years as a flight attendant with both Northwest and United Airlines, she has developed a solid understanding of successful working relationships with clients. Helene is currently securities licensed and holds a D.C. license for life and health insurance. Her next goal is to become a Certified Financial Planner. 
 

Born in Paris, Helene remained in France until moving to the United States in her early twenties. She first arrived in Atlanta where she attended Morris Brown College, then moved on to Tennessee before settling in the Washington DC area. An American citizen since 2007, Helene shares her D.C. home with her eight year old daughter Naomi. 

Helene has traveled extensively throughout North and South America, Europe and Africa and is looking forward to adding Asia and Australia to her list. As often as possible, she returns to France to spend time with her mother, brother and extended family. Helene’s interests include the arts, learning new languages, reading, and a variety of outdoor activities.

                            
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