Advice-only Financial Planning
Retirement Planning for Maryland Families
"Your Money, Your Values, My Advice"
What is Advice-Only planning?
My guiding belief is that your money, is just that, YOUR money... Any advice I give must honor and ultimately align with your values and needs.
Advice-only planning includes helping families:
- Assess retirement readiness
- Review tax saving opportunities
- Estate and legacy planning
- Charitable giving strategies
- Portfolio analysis, and tax efficient investing
I provide education, advice, and strategies to help you confidently pursue your financial goals.
How I help families like yours...
As a Columbia, Maryland Certified Financial Planner™, my goal with advice-only planning is to help provide financial clarity today and a confident plan for the future.
It involves understanding your family's current situation, identifying goals that reflect your values, creating a plan to pursue those goals, then implementing, monitoring and adjusting your plan as needed.
You can see how I work with families like yours on my Advice-only Process page.
Flat-Fee Transparency
My fees range from as little as $400 for an hour of my help to $6,000 for a comprehensive financial plan.
This model reflects my belief that simple, transparent, and fair pricing reduces conflicts of interest and is best for your family and mine.
My only compensation is what you pay me. I do not earn money from any other sources, like commissions, referral fees, etc.
My fees can be found on my Flat-Fee Pricing page.
A little bit about me...
As President & Chief Operating Officer of TD Ameritrade Investment Management, I led its growth from under $10M in 2003 to over $23B in assets under management. TDAIM served, and at its peak, over 150,000 families.
While my professional journey was rewarding, I wanted to do something more impactful for individual families and that's why I started Free State Financial Planning.
If you want to learn more about me, see my bio and check out my media page where I've been quoted in numerous publications.
