Frequently Asked Questions

We offer free, no-obligation appointments to review your investments and discuss how we can help you.

What Documents do I need to bring?

But it’s key to have the right information with you because the more transparent you are, the more your advisor can help you make progress on your goals, budget for the things that are important to you today, and see your financial big picture.

First, bring your significant other if you have one, because you both need to be involved.
And bring pen and paper, because you want to take notes and really be open-minded about the process.

Then as far as the actual paperwork to bring, I’d suggest:  read more>>

What makes you better than other financial advisors?

A great financial advisor will start all conversations with questions not answers. They will want to understand what you value, your pain points, your goals and aspirations. They will use their years of training and experience to create a thoughtful framework that will lead to a comprehensive plan of attack. This plan won’t be stored in your attic to be forgotten – the advisor will make sure it is a living breading dynamic document that changes as you evolve as a person.

Why switch from my current advisor?

Poor performance, high fees, strained communication and stagnant advice are among the reasons to look for a new advisor.

A financial advisor relationship inevitably gets into more than numbers … it can be incredibly close. It’s an awesome responsibility, and our clients only deserve our best. 

We are here to help you design a financial strategy that is molded specifically for you.  One that changes as your life changes.  Financial investments to help you live worry-free now and in the future.

What's involved in a financial plan?

A financial plan gives you a road map for handling your money in a way that cuts stress and builds security. It’s crucial for meeting goals, such as buying a house or creating a nest egg that will last long after you’ve collected your final paycheck.

You can make a financial plan yourself — even a very basic run-through of the steps below will help you get a handle on your money.

What is involved in financial planning?

A: Financial planning looks at a person’s overall financial picture. A financial planner will often ask a prospective client to fill out an extensive questionnaire in order to understand his or her financial needs and goals. The planner will usually put together a detailed, short-term 5-year plan designed to improve the client’s overall financial position. That may be followed by a long-term plan, along with suggestions about how to save and invest for retirement and a child’s college education at the same time. The planner will also look at ways to reduce current and future tax liabilities and protect assets by having the proper life, health, disability and long-term care insurance coverage in place. Finally, he or she may offer suggestions on estate planning.

What's the difference between financial planning and retirement planning?

A: Financial planning covers all aspects of a person’s financial well-being. This includes savings, investments, retirement and college savings plans, insurance coverage, and estate planning. Retirement planning covers only investments made for retirement.

How often do you reevaluate my plan/investments?

The frequency of meetings/conversations varies from client to client, according to individual preferences and circumstances. After completing our initial comprehensive financial planning effort, we maintain an ongoing dialogue with our clients on all aspects of their financial decision making. We recommend that progress on all financial plans be reviewed at least annually and be thoroughly re-evaluated at least every two to three years. We communicate with our wealth management clients throughout the year (but at least quarterly), monitoring their portfolios and reporting on the progress toward each client’s goals.

How are you compensated?

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At what age should retirement planning start?

Ideally, you’d start saving in your early 20s, when you first leave school and begin earning paychecks. That’s because the sooner you begin saving, the more time your money has to grow. Each year’s gains can generate their own gains the next year – a powerful wealth-building phenomenon known as compounding.

How often should I see my financial planner?

A: While your financial planner may make a different recommendation based on your particular circumstances, it’s a good idea to see him or her once a year. You should also consider making an appointment in anticipation of life-changing events such as marriage, the birth of a child, divorce, or after inheriting a large amount of money.

Arent most Long -Term care policies the same?

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What are your minimum requirements for accepting new clients?

How do I get started?

In order to get started, we will need to do the following:

  1. Contact us by calling 301-588-0514 or email We would like to learn more about your situation and see how we may help you. 
  2. If you have an existing plan, fill out the Retirement Plan Evaluator form. Once we have your form, we will schedule an initial meetingIf you need a new or startup plan, we will discuss your options and provide information.

Financial Resources

Financial News & Articles From Our Investment Advisors

Latest Thrift Savings Plan (TSP) Returns 2021

TSP fund performance figures for the G, F, C, S, I and L investment funds as calculated by the Thrift Savings Plan.   TSP FundsThere are currently 15 investment funds in the Thrift Savings Plan. Five are individual stock and bond funds, and the others are...

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January TSP Processing Schedule

January 17 — The financial markets will be closed on Monday, January 17, in observance of Martin Luther King Jr. Day. The Thrift Savings Plan will also be closed. Transactions that would have been processed Monday night (January 17) will be processed...

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TSP Thrift Savings Plan Returns 2021

Thrift Savings Plan (TSP) Summary of ReturnsBelow are the TSP fund performance figures for the G, F, C, S, I and L investment funds as calculated by the Thrift Savings Plan.   A description of each of the TSP funds here. 5 Thrift Savings Plan (TSP)...

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Weekly Market Commentary

COVID-19 strikes again. Coronavirus cases have been on the rise in Europe, climbing from about 700,000 new cases a week in September to 2.6 million a week in November, reported Richard Pérez-Peña and Jason Horowitz of the New York Times. As Thanksgiving...

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Weekly Stock Market Commentary

Treasury Note is simply the yield at the close of the day on each of the historical time periods. Sources: Yahoo! Finance, MarketWatch,, London Bullion Market Association.Past performance is no guarantee of future results. Indices are unmanaged and...

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Retiree COLAs for 2022 Announced

Cost-of-living-adjustment (COLA) rates for federal annuities in 2022 were announced earlier today.Retirees under the Civil Service Retirement System (CSRS) will receive a 5.9 percent increase while those under the Federal Employee Retirement System (FERS)...

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Contact Us

Your investment needs, aspirations and financial goals are just that – yours. And your financial plan should reflect that. We can provide you with just the right combination of financial service, support and guidance that make the most sense for you.


2273 Research Boulevard, Suite 101, Rockville, Maryland 20850

M-F: 9am-5pm