# John O'Callaghan

> John O'Callaghan is a fee-only financial advisor at Impact Financial Life Planning LLC in Baltimore, Maryland, who holds the CFP credential. John charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees (ongoing planning from $4,800 a year and one-time plans from $250) and focuses on flat-fee planning, retirement planning and tax planning.

Page: https://find.wellspent.co/advisors/john-ocallaghan/
Built from public directory listings; last checked October 28, 2026.

## Facts

- **Firm:** Impact Financial Life Planning LLC
- **Based in:** Baltimore, Maryland
- **Fee model:** Flat fee or retainer; Ongoing planning fee; One-time planning fee; Hourly
- **Fees (firm's website):** ongoing planning from $4,800 a year; one-time plans from $250; $250 an hour; no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $7.5M across 13 accounts
- **Credentials:** CFP
- **Specialties:** Flat-fee planning, Retirement planning, Tax planning, Estate & legacy planning, Student loans
- **Works with:** Early-career professionals, Pre-retirees
- **CRD:** 7723884 (https://adviserinfo.sec.gov/individual/summary/7723884)
- **SEC registration:** Investment adviser representative in MD, TX
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://impactfinanciallifeplanning.com

## Frequently asked questions

### Is John O'Callaghan a fee-only financial advisor?

Yes. John O'Callaghan is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by John's firm.

### How does John O'Callaghan charge for financial advice?

John O'Callaghan charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees.

### How much does John O'Callaghan charge?

According to Impact Financial Life Planning LLC's website, checked October 28, 2026: ongoing planning from $4,800 a year; one-time plans from $250; $250 an hour; no asset minimum.

### Where is John O'Callaghan based?

John O'Callaghan is based in Baltimore, Maryland.

### What does John O'Callaghan specialize in?

John O'Callaghan's specialties include flat-fee planning, retirement planning, tax planning, estate & legacy planning and student loans. John works with early-career professionals and pre-retirees.

### What credentials does John O'Callaghan hold?

John O'Callaghan holds the CFP credential.

### Is John O'Callaghan registered with the SEC?

Yes. John O'Callaghan is registered as an investment adviser representative in MD and TX (CRD 7723884), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Impact Financial Life Planning LLC manage?

Impact Financial Life Planning LLC reports $7.5M across 13 accounts in assets under management.

### How do I contact John O'Callaghan?

Through John O'Callaghan's website, impactfinanciallifeplanning.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/john-o'callaghan-11435): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.impactfinanciallifeplanning.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.