Meet Our Expert Team

Here you will often find him reading up on the latest tax law change, economic modeling technique, devouring the intricacies of an estate plan or skillfully determining the best strategy to create a more fluid and effective financial model for someone. An avid sports enthusiast, you might otherwise find Michael at a local seasonal sporting event, including Washington Redskins, Baltimore Ravens or any Terps game. Michael enjoys working with professional athletes and sportscasters, which are a major part of his practice. Born and raised in Bethesda, Maryland, he now lives just 10 minutes from his childhood home. Michael married his college sweetheart, Patti Chartier, in June 1999. Patti, originally from Northern Virginia, is a stay at home mother of four. They currently reside in Gaithersburg, Maryland with their four children, Kane, Caroline, Preston, and Declan as well as their black Labrador, Tahoe. A graduate of the University of Maryland, Michael earned his Bachelor of Science degree while working his way through college and playing football for the Terps. As a member of the United States Marine Corp, Michael was featured on College Gameday ESPN for his playing experience and hard work. In January 1996, Michael joined First Financial Group as a planner. In early 2005, Michael founded Worch Financial Group. It is through this venture that he will continue to enhance the delivery of personal financial engineering services. People love to listen to Michael speak because he educates through application. His common sense yet innovative and progressive approach to personal finance makes him a demanded speaker at area CPA firms, universities, professional organizations, law firms, and even other national financial planning firms. Empowering people to choose their financial future is what drives Michael’s existence. The core mission of his practice –maximize financial security for you and your family while maximizing the efficiency of your money at work through strategic planning, not product planning– has proved a solid strategy. Michael has an awesome ability to sensibly combine a macro perspective, the finer numeric detail of a person’s unique financial circumstance and their hopes and dreams for the future. This, along with a superior memory and masterful knowledge of relevant laws, policies and regulations; make Michael one of the area's elite Personal Financial Engineering practitioners.