No Commissions (“Fee-Only”), Truly Independent Advice

We are independent, “fee-only” financial advisors guiding our clients to lead fulfilling lives in their retirement years. We are on our clients’ side in a close, caring relationship filled with plain-spoken advice and experienced perspective. We help people move past financial conflicts and complexities to a place where they can gain financial peace of mind.


Through the years, we’ve been helping individuals and families find their financial way.

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We embrace evidence over emotions — because hopes and hunches are no way to prepare for financial freedom.

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We’re here for you: Advising you and your family, advancing your goals, enriching your relationships.

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Viewpoints Commentary

Six Things to Think About for Year-End 2021

With yesterday’s 72 degree day (here in Maryland) behind us and today’s 40-ish degrees setting in, it’s a fierce reminder that winter is coming; and that means another calendar year is coming to a close. That said, there’s still time to warm up that financial plan and position yourself to finish out the year well.

With that in mind, we thought it would be helpful to send along six financial “best practices” to do just that:


Pandemic Pivots

If the pandemic has proven anything, it’s that life-altering occasions—both those we experience firsthand and those that merely present themselves as possibilities—have the potential to uproot even the firmest of financial plans. Why? Because reminders of what’s most important to us—wake up calls about how we spend our time and, as an extension, our money—can and should trigger reevaluation of our plans for the future.


And although the exact nature of any pandemic-related changes to a financial plan will look different for everyone, a few common themes have surfaced over the last year and a half that are worth discussing with your advisor: > SEE MORE

Those Ever-Changing Economic Conditions

It often feels like trying to predict where the economy is going is like throwing darts blindfolded. You can listen to ten different economists on any given day and get ten very diverse opinions on where the economy is headed. And what is happening in your state or hometown is often much different than what is happening in other regions of the country.



Supply and demand are key factors in pricing. Housing costs have increased significantly over the last couple years as we battle the COVID-19 pandemic. Because basic building costs have skyrocketed, homebuyers are looking for existing homes and the inventory is low. > SEE MORE