John O'Callaghan
Impact Financial Life Planning LLC · Baltimore, Maryland
John O'Callaghan is a fee-only financial advisor at Impact Financial Life Planning LLC in Baltimore, Maryland, who holds the CFP credential.
- $4,800
- Ongoing planning, per year, from
- $250
- One-time plan, from
- $250
- Hourly rate
- $7M
- Firm assets managed
What John focuses on
Who John works with
- Early-career professionals
- Pre-retirees
How does John's firm compare?
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Ongoing planning starts at $4,800 a year, above the Maryland median of $3,800 for fee-only firms that publish prices.
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A one-time plan starts at $250, below the Maryland median of $830 for fee-only firms that publish prices.
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The hourly rate is $250, below the Maryland median of $300 for fee-only firms that publish prices.
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Impact Financial Life Planning LLC's average account is about $573,000, from its Form ADV (assets managed divided by 13 accounts).
Questions about John
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
The full record
| 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 |
| Assets under management | $7.5M across 13 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in MD, TX · CRD 7723884 |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | impactfinanciallifeplanning.com |
| Profile |
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Other fee-only advisors in Baltimore
Other advisors in Maryland who focus on flat-fee planning
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Impact Financial Life Planning LLC website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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