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Karl J. Appel, CPA

Managing Partner   

Karl is a Certified Public Accountant and the Managing Partner.  He works with local individuals and businesses, and is committed to providing financial expertise for his clients.    Karl graduated with Honors from the University of Notre Dame with a Bachelor of Business Administration in Accounting and has a Masters of Science in Taxation from the University of Baltimore. He spent the first twelve years of his career with two major accounting firms, Peat Marwick (now KPMG) and Deloitte.  He then worked as the Chief Financial Officer for The Circle Companies, a real estate development company, before joining The Gardiner Group in 1998.

Karl is a Registered Investment Advisor, and was awarded the Small Business Administration's Maryland Accountant Champion of the Year in 2006.  He recently completed the Executive Integral Leadership program at the University of Notre Dame's Mendoza College of Business. 

Professional affiliations include AICPA, MACPA, Severna Park/Arnold Chamber of Commerce (Past President 2010-2011), the Notre Dame Alumni Club of Maryland (past President 1995).  Karl currently serves on the Anne Arundel County Ethics Commission and as the Treasurer of the Chartwell Golf & Country Club.

A native of Western Pennsylvania, Karl has lived in Severna Park for 35 years with his wife Leigh, raising two daughters.  

Debra L. Feather, E.A.


Debbie has over 25 years of experience providing accounting and tax services to individuals and businesses. Her experience includes all areas of Taxation, Accounting and Management Services for small businesses. She has dealt with a broad range of industries.

Debbie is an Enrolled Agent admitted to practice before the Internal Revenue Service and a QuickBooks ProAdvisor. She is a member of the National Associated of Enrolled Agents (NAEA) and the Maryland Society of Accounting & Tax Professionals (MSATP).

Debbie holds her Bachelor's degree and Master's degree in Accounting from the University of Maryland University College.

Debbie has served as Treasurer for the Northern Anne Arundel County Chamber of Commerce and several community boards.

Thomas E. Cleaver, Jr., E.A., CTRS


Tom joined our firm in 2012. Tom brings more than 33 years of experience serving business and individual needs in a variety of capabilities. Tom excels at planning for businesses and their owners' operational and growth objectives, income tax planning, preparation and tax support litigation. Tom is an Enrolled Agent and a Certified Tax Resolution Specialist. He is authorized to represent taxpayers in all 50 states, and Washington, DC.

A Maryland native, Tom graduated from Frostburg State University with a Bachelor's degree in Accounting. He owned and operated an Accounting firm in Annapolis for over 20 years prior to joining the Gardiner & Appel Group.

Patrick Cassilly, CPA


Patrick joined the group in 2012 after nearly 5 years in Advisory Practice with KPMG.  He is active volunteering in the community through providing training seminars to SCORE of Central Maryland, serving as the Vice Chair of the St. John the Evangelist Finance Council, and as a member of the UM Baltimore Washington Medical Center’s Next Generation Group. He lives with his wife Becky and three children, Margaret, Teresa, and Patrick in Severna Park.  “I left Big 4 Accounting to work with smaller businesses in the community that I live in. At the Gardiner & Appel Group, I enjoy the opportunity to help businesses and individuals in understanding their financial and tax situations.” 

Patrick provides a range of services to clients including tax preparation services for individuals, partnerships, corporations, and non-profits. In addition, Patrick provides business counseling and tax planning for clients across various industries.

St. Joseph's University - Bachelor of Science in Business Administration/Accounting, Certified Public Accountant

N. Scott Gardiner

Founding Partner

Scott is the founder of the firm and has served the accounting needs of the small business community in Anne Arundel and surrounding areas for more then 35 years. Scott earned his Bachelor of Science degree in Business Accounting from Smith College in upstate New York. Scott is a Registered Tax Preparer. Active in the community where he lives with his wife Kathy and raised his three children, Scott has served as the Past President of Severna Park, Annapolis and Northern Anne Arundel County Chambers of Commerce. Scott is also active in a variety of charitable and civic organizations. Scott is the former Treasurer of the Annapolis Business Association.