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“You truly can’t know what you need to know until you’ve been through enough training to know.”
That belief has shaped my entire journey.
My path didn’t begin in insurance. It began with ambition, uncertainty, responsibility, and a willingness to grow. At 21 years old in Baltimore City, I found myself rethinking my future. Music was my passion, and fitness reflected my lifestyle, but I knew I needed something more sustainable—something that could create long-term stability, opportunity, and impact.
In 1995, I entered the automotive industry, selling vehicles and learning firsthand how to communicate value, build trust, and guide people through important financial decisions. By 2004, I had transitioned into a product specialist role, training automotive sales professionals to better understand complex products, communicate benefits clearly, and present solutions with confidence.
In 2008, I added another dimension to my career by becoming an independent life insurance agent. What began as a way to supplement my income quickly developed into a purpose-driven mission.
I came to understand that many people do not struggle because they lack options—they struggle because they lack understanding.
That realization ultimately led to the creation of Dunlap Financial Services LLC, a business built not simply around selling insurance, but around educating clients so they can make informed, confident decisions.
Education has remained an important part of my own professional development. I am a proud Strayer University alumnus, having earned my Associate degree in Finance in 2025, and I am currently continuing my education with an expected Bachelor’s degree in 2027. My academic journey reinforces the same principle I bring to my clients and professional partners: the more we understand, the better equipped we are to make sound financial decisions.
My life experiences have shaped me just as much as my professional ones. I have been fortunate to experience fatherhood, marriage, and now the joy of being a Pop Pop—a grandfather. Those experiences have given me a deeper appreciation for family, responsibility, legacy, and the importance of protecting the people and things that matter most.
Today, I help individuals, families, and business owners understand how insurance works so they can protect what they have built and avoid costly gaps in coverage.
My approach is simple:
I don’t just provide policies—I provide clarity.
Whether the need involves life, health, auto, home, Medicare, business insurance, travel insurance, or ancillary products, my goal is to help clients understand what they are purchasing, why they need it, and how each layer of protection can work together as part of a broader insurance strategy.
That includes solutions designed to protect not only life and property, but also health, income, travel, unexpected expenses, and the everyday risks that can disrupt a family or business.
My mission is captured in my trademarked message:
“Ensuring your health and securing your wealth to protect your lifestyle® (using insurance).”
Dunlap Financial Services isn’t just a business—it’s my legacy. It represents decades of experience, continuous education, entrepreneurship, family, and a commitment to helping people make better-informed decisions about protecting their lives, finances, businesses, travel, and futures.
Welcome to Dunlap Financial Services, where we redefine the insurance experience by prioritizing education and empowerment. In a world where insurance can feel overwhelming and costly, we stand out by not only enrolling you but also by teaching you how insurance truly works. Our mission is to provide clarity and confidence by matching you with products and companies that align with your lifestyle.
Thanks to the support of the Light of Baltimore Incubator, we now offer an enhanced service experience with a state-of-the-art office and conference space in Baltimore. This allows us to engage directly with individuals, families, and teams, ensuring every decision is fully understood and informed.
Our commitment goes beyond just having a great space; it’s about fostering an environment where our community can learn, ask questions, and feel empowered about their insurance coverage. Our clients often express, “This finally makes sense,” which is the impact we strive to achieve.
Join us in simplifying insurance and empowering our community. Discover what others are saying in our Google reviews and see how resources like LOB enable us to better serve Baltimore.
Dunlap Financial Services is an independent insurance agency providing tailored, affordable coverage for individuals, families, employees, and small businesses.
We offer a full range of solutions including life, health, Medicare, property, casualty, employee benefits, travel, disability, and long-term care insurance.
By partnering with top-rated carriers, we deliver personalized service, competitive rates, and expert support—so you can protect what matters most with confidence.

Dunlap Financial Services is dedicated to safeguarding your well-being and preserving your financial security to uphold your desired lifestyle, leveraging the assurance provided by comprehensive insurance solutions.

Independent Insurance Brokers can align clients with the best insurance carrier and product to meet their specific needs.
At Dunlap Financial Services, we understand that no two carriers or policies are the same, and we tailor coverage to ensure it is both comprehensive and affordable.
Our focus is on providing quality coverage that balances both cost and protection.

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly.
We will start by analyzing your insurance needs before presenting plan options to get you covered quickly at the right price.

We build strong, personalized relationships between clients and the carriers we represent.
Our goal is to guide you through the insurance process, ensuring you receive tailored coverage that fits your needs.
By fostering clear communication and trust, we deliver exceptional service and help you make informed decisions.

A holistic approach to insurance involves considering the broader and interconnected aspects of an individual or organization's risk profile and financial well-being.
Instead of focusing solely on specific types of coverage, a holistic approach takes into account various factors to provide comprehensive protection and support.
The Light of Baltimore Incubator, 100 Light Street, 23rd Floor, Suite 14, Baltimore, MD 21202
Copyright © 2026 Dunlap Financial Services - All Rights Reserved.
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