# Justin Linthicum

> Justin Linthicum is a fee-only financial advisor at Financial Consulate in Hunt Valley, Maryland, who holds the CFP credential. Financial Consulate reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/justin-linthicum/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Financial Consulate
- **Based in:** Hunt Valley, Maryland
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $1.10B across 3,375 accounts
- **Credentials:** CFP
- **CRD:** 7439253 (https://adviserinfo.sec.gov/individual/summary/7439253)
- **SEC registration:** Investment adviser representative in MD
- **Firm size:** 25 employees
- **Disclosures:** None reported
- **Website:** https://www.financialphysical.com

## Frequently asked questions

### Is Justin Linthicum a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Justin holds no broker registration, and Financial Consulate reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Justin charge for financial advice?

Justin's firm, Financial Consulate, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Justin Linthicum based?

Justin Linthicum is based in Hunt Valley, Maryland.

### What credentials does Justin Linthicum hold?

Justin Linthicum holds the CFP credential.

### Is Justin Linthicum registered with the SEC?

Yes. Justin Linthicum is registered as an investment adviser representative in MD (CRD 7439253), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Financial Consulate manage?

Financial Consulate reports $1.10B across 3,375 accounts in assets under management.

### How do I contact Justin Linthicum?

Through Justin's website, www.financialphysical.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7439253): 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

---

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