# John Milchling > John Milchling is a fee-only financial advisor at 1 North Wealth Services in Annapolis, Maryland. John charges hourly fees and an ongoing planning fee (a $500,000 asset minimum) and focuses on retirement planning, pension planning and divorce financial planning. Page: https://find.wellspent.co/advisors/john-milchling/ Built from SEC adviser records and the firm's website; last checked October 30, 2026. ## Facts - **Firm:** 1 North Wealth Services - **Based in:** Annapolis, Maryland - **Fee model:** Hourly; Ongoing planning fee - **Fees (firm's website):** a $500,000 asset minimum - **Assets under management (firm):** $320.4M across 662 accounts - **Specialties:** Retirement planning, Pension planning, Divorce financial planning - **CRD:** 7265156 (https://adviserinfo.sec.gov/individual/summary/7265156) - **SEC registration:** Investment adviser representative in MD - **Exams passed:** Series 65 (2020) - **Firm size:** 5 employees - **Disclosures:** None reported - **Website:** http://www.1northwealthservices.com ## Frequently asked questions ### Is John Milchling a fee-only financial advisor? Yes, according to SEC records as of October 29, 2026: John holds no broker registration, and 1 North Wealth Services reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV. ### How does John charge for financial advice? John charges hourly fees and an ongoing planning fee. ### How much does John charge? According to 1 North Wealth Services's website, checked October 30, 2026: a $500,000 asset minimum. ### Where is John Milchling based? John Milchling is based in Annapolis, Maryland. ### What does John specialize in? John's specialties include retirement planning, pension planning and divorce financial planning. ### Is John Milchling registered with the SEC? Yes. John Milchling is registered as an investment adviser representative in MD (CRD 7265156), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. ### How much does 1 North Wealth Services manage? 1 North Wealth Services reports $320.4M across 662 accounts in assets under management. ### How do I contact John Milchling? Through John's website, www.1northwealthservices.com. ## Sources - SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7265156): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration - SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026 - The firm's website (https://1northwealthservices.com/): specialties, clients served, and fees, checked October 30, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.