# Financial advisors for people close to retirement in Maryland > For people close to retirement in Maryland, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Lindsey Young of Quiet Wealth LLC, John O'Callaghan of Impact Financial Life Planning LLC and Jeremy Eppley of Silverstone Financial. Page: https://find.wellspent.co/audiences/pre-retirees/maryland/ 58 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to if you're close to retirement in Maryland? For people close to retirement in Maryland, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Lindsey Young of Quiet Wealth LLC, John O'Callaghan of Impact Financial Life Planning LLC and Jeremy Eppley of Silverstone Financial. - [Lindsey Young](https://find.wellspent.co/advisors/lindsey-young/), Quiet Wealth LLC, Baltimore. Holds the CFP and EA. Fees on file: flat fee or retainer, ongoing planning fee. - [John O'Callaghan](https://find.wellspent.co/advisors/john-ocallaghan/), Impact Financial Life Planning LLC, Baltimore. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Jeremy Eppley](https://find.wellspent.co/advisors/jeremy-eppley/), Silverstone Financial, Owings Mills. Holds the CFP. Fees on file: percentage of assets, hourly. - [Robin Kizito](https://find.wellspent.co/advisors/robin-kizito/), Addax Bridge Financial, North Bethesda. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Clark Kendall](https://find.wellspent.co/advisors/clark-kendall/), Kendall Capital Management, Rockville. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [John Bell](https://find.wellspent.co/advisors/john-bell/), Free State Financial Planning, Clarksville. Holds the CFP. Fees on file: subscription, one-time planning fee. ## How many fee-only financial advisors in Maryland work with people close to retirement? The Wellspent public graph lists 58 fee-only advisors for people close to retirement in Maryland, at 32 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for people close to retirement in Maryland located? Of the 58 fee-only advisors for people close to retirement in Maryland, 8 are in Hanover, followed by 6 in Silver Spring and 6 in Towson. ## How do fee-only advisors for people close to retirement in Maryland charge? The most common fee among fee-only advisors for people close to retirement in Maryland is a percentage of assets, used by 79% of the 58 with fees on file. Many use more than one: 57% charge by the hour and 36% charge fixed fees. ## How much do fee-only financial advisors charge in Maryland? Fee-only financial advisors in Maryland charge a median of $3,800 a year for ongoing planning. We found this across the published prices of 18 Maryland firms. ## How much does a one-time financial plan cost in Maryland? A one-time financial plan from a fee-only firm in Maryland has a median price of $830. We found this across the published prices of 14 Maryland firms. ## What credentials should a financial advisor for people close to retirement have? For people close to retirement, look for the CFP and EA. In Maryland, 47% of the 58 advisors listed hold the CFP. - CFP (47% of advisors listed): The CFP covers the whole transition. - EA (2% of advisors listed): Enrolled agents help with the low-tax years before Social Security. ## How do Maryland advisors for people close to retirement compare with the rest of the US? 57% of fee-only advisors for people close to retirement in Maryland charge by the hour, compared with 39% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Maryland tax Social Security? No. Maryland doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan. ## What should I ask a financial advisor if you're close to retirement in Maryland? - Can I retire when I want to, and what would change your answer? - How should my investments change in the years before I stop working? - How do I cover health insurance before Medicare? - What should I do with my 401(k) when I leave? - How does Maryland tax each source of my retirement income? ## How current is this list of fee-only advisors for people close to retirement in Maryland? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Avanti Shetye](https://find.wellspent.co/advisors/avanti-shetye.md) | Wealthwyzr, LLC | Ellicott City, Maryland | CFP, CFA, MBA | Subscription, One-time planning fee, Hourly | | [John Bell](https://find.wellspent.co/advisors/john-bell.md) | Free State Financial Planning | Clarksville, Maryland | CFP | Subscription, One-time planning fee, Hourly | | [John O'Callaghan](https://find.wellspent.co/advisors/john-ocallaghan.md) | Impact Financial Life Planning LLC | Baltimore, Maryland | CFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly | | [Lindsey Young](https://find.wellspent.co/advisors/lindsey-young.md) | Quiet Wealth LLC | Baltimore, Maryland | CFP, MBA, TPCP, EA | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly | | [Gordon Achtermann](https://find.wellspent.co/advisors/gordon-achtermann.md) | Silverstone Financial | Owings Mills, Maryland | CFP, MBA | Percentage of assets, Hourly, Ongoing planning fee, One-time planning fee | | [Jeremy Eppley](https://find.wellspent.co/advisors/jeremy-eppley.md) | Silverstone Financial | Owings Mills, Maryland | CFP, CPWA, APMA, CRPC, MSFP, CFA | Percentage of assets, Hourly, Ongoing planning fee, One-time planning fee | | [Jon Powell](https://find.wellspent.co/advisors/jon-powell.md) | Ferguson-Johnson Wealth Management | Rockville, Maryland | CFP | Percentage of assets, Hourly | | [Mark Humphries](https://find.wellspent.co/advisors/mark-humphries.md) | Sentinel Financial Planning, LLC | Edgewater, Maryland | CFP | Percentage of assets, Hourly, Fixed fees | | [Robin Kizito](https://find.wellspent.co/advisors/robin-kizito.md) | Addax Bridge Financial | North Bethesda, Maryland | CFP, MBA | Percentage of assets, Ongoing planning fee, Hourly, One-time planning fee | | [Clark Kendall](https://find.wellspent.co/advisors/clark-kendall.md) | Kendall Capital Management | Rockville, Maryland | AEP, CFA, CFP | Percentage of assets, Ongoing planning fee | | [Nick Booth](https://find.wellspent.co/advisors/nick-booth.md) | Nine Inning Finance, LLC | North Bethesda, Maryland | CDAA, CFP | Subscription, One-time planning fee, Hourly | | [Jason Dall'Acqua](https://find.wellspent.co/advisors/jason-dallacqua.md) | Crest Wealth Advisors LLC | Annapolis, Maryland | CFP | Percentage of assets, Fixed fees | | [Lisa Crivella](https://find.wellspent.co/advisors/lisa-crivella.md) | Ivy League Financial Advisors LLC | Rockville, Maryland | CFP, AIF, BA, BS, MBA | Percentage of assets, Hourly, Fixed fees | | [Jacob Sadler](https://find.wellspent.co/advisors/jacob-sadler.md) | Curio Wealth, LLC | Annapolis, Maryland | CFP, JD, CPA, CPA/PFS | Ongoing planning fee | | [Steven Jefferys](https://find.wellspent.co/advisors/steven-jefferys.md) | Arch Financial Advisors, LLC | Bethesda, Maryland | CFA, CFP, MBA | Hourly, Fixed fees | | [Benjamin Dorsey](https://find.wellspent.co/advisors/benjamin-dorsey.md) | Analog Capital Partners | Frederick, Maryland | CFP, PFS | Percentage of assets | | [Denise Leish](https://find.wellspent.co/advisors/denise-leish.md) | Money Plans | Silver Spring, Maryland | BS, MBA | Percentage of assets, Hourly, One-time planning fee | | [Tom Taylor](https://find.wellspent.co/advisors/tom-taylor.md) | Chesapeake Financial Advisors | Towson, Maryland | CPA/PFS | Percentage of assets, Hourly, Fixed fees | | [David Peloquin](https://find.wellspent.co/advisors/david-peloquin.md) | Main Street Advisors | Westminster, Maryland | CFP | Percentage of assets, Hourly, Fixed fees | | [Kimberly Owen](https://find.wellspent.co/advisors/kimberly-owen.md) | Prostatis Group | Hanover, Maryland | CFP | Percentage of assets, Hourly | | [Nathan McDuffee](https://find.wellspent.co/advisors/nathan-mcduffee.md) | Oliver Wealth Management | Towson, Maryland | CFP, ChFC | Ongoing planning fee | | [Thaddeus Toal](https://find.wellspent.co/advisors/thaddeus-toal.md) | RCS Financial Planning | Annapolis, Maryland | CFP | Percentage of assets, Hourly, Fixed fees | | [Guadalupe Lechuga](https://find.wellspent.co/advisors/guadalupe-lechuga.md) | Audible Wealth Management | Silver Spring, Maryland | CFP | Percentage of assets, Fixed fees | | [Veronica Fuentes](https://find.wellspent.co/advisors/veronica-fuentes.md) | Audible Wealth Management | Silver Spring, Maryland | CFP, ChFC | Percentage of assets, Fixed fees | | [Amanda Hopkins Clouser](https://find.wellspent.co/advisors/amanda-hopkins-clouser.md) | RCS Financial Planning | Annapolis, Maryland | CFA | Percentage of assets, Hourly, Fixed fees | | [James Brown](https://find.wellspent.co/advisors/james-brown-4895673.md) | Meritis Wealth Management | Potomac, Maryland | CFP | Percentage of assets, Hourly | | [Philip Snyder](https://find.wellspent.co/advisors/philip-snyder.md) | Snyder Asset Management | Hunt Valley, Maryland | CFA | Percentage of assets | | [Jeffrey Yeakle](https://find.wellspent.co/advisors/jeffrey-yeakle.md) | MY Wealth Management | Germantown, Maryland | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Andrew Ashton](https://find.wellspent.co/advisors/andrew-ashton.md) | Prostatis Group | Hanover, Maryland | | Percentage of assets, Hourly | | [Andrew Knachel](https://find.wellspent.co/advisors/andrew-knachel.md) | Oliver Wealth Management | Towson, Maryland | | Ongoing planning fee | | [Anne Claire Nornhold](https://find.wellspent.co/advisors/anne-claire-nornhold.md) | Garritt Financial Solutions | Baltimore, Maryland | | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Brian Canet](https://find.wellspent.co/advisors/brian-canet.md) | Prostatis Group | Hanover, Maryland | | Percentage of assets, Hourly | | [Collin Toal](https://find.wellspent.co/advisors/collin-toal.md) | RCS Financial Planning | Annapolis, Maryland | | Percentage of assets, Hourly, Fixed fees | | [George Boudreau](https://find.wellspent.co/advisors/george-boudreau.md) | Oliver Wealth Management | Towson, Maryland | | Ongoing planning fee | | [Jamie Bigsby](https://find.wellspent.co/advisors/jamie-bigsby.md) | Glassy Mountain Advisors | Bethesda, Maryland | CFP | Percentage of assets | | [Jeffrey Venables](https://find.wellspent.co/advisors/jeffrey-venables.md) | Garritt Financial Solutions | Baltimore, Maryland | | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Joseph Plume](https://find.wellspent.co/advisors/joseph-plume.md) | Oliver Wealth Management | Towson, Maryland | | Ongoing planning fee | | [Justin Garritt](https://find.wellspent.co/advisors/justin-garritt.md) | Garritt Financial Solutions | Baltimore, Maryland | | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Katherine Groce](https://find.wellspent.co/advisors/katherine-groce.md) | Prostatis Group | Hanover, Maryland | | Percentage of assets, Hourly | | [Lawrence Kiely](https://find.wellspent.co/advisors/lawrence-kiely.md) | Prostatis Group | Hanover, Maryland | | Percentage of assets, Hourly | | [Michael Canet](https://find.wellspent.co/advisors/michael-canet.md) | Prostatis Group | Hanover, Maryland | | Percentage of assets, Hourly | | [Ryan Herbert](https://find.wellspent.co/advisors/ryan-herbert.md) | Prostatis Group | Hanover, Maryland | | Percentage of assets, Hourly | | [Vanessa Pruett-Urie](https://find.wellspent.co/advisors/vanessa-pruett-urie.md) | Prostatis Group | Hanover, Maryland | | Percentage of assets, Hourly | | [Bradford Yeakle](https://find.wellspent.co/advisors/bradford-yeakle.md) | MY Wealth Management | Germantown, Maryland | ChFC | Percentage of assets, Hourly, Fixed fees | | [Gary Aiken](https://find.wellspent.co/advisors/gary-aiken.md) | Caveness Wealth Advisory | Rockville, Maryland | | Percentage of assets, Hourly, Fixed fees | | [Greg Pyne](https://find.wellspent.co/advisors/greg-pyne.md) | Red Oak Financial Group | Towson, Maryland | | Percentage of assets, Hourly, Fixed fees | | [Isiah Williams](https://find.wellspent.co/advisors/isiah-williams.md) | Audible Wealth Management | Silver Spring, Maryland | | Percentage of assets, Fixed fees | | [Jonathan McKinney](https://find.wellspent.co/advisors/jonathan-mckinney.md) | Audible Wealth Management | Silver Spring, Maryland | | Percentage of assets, Fixed fees | | [Lorie Scheibel](https://find.wellspent.co/advisors/lorie-scheibel.md) | Scheibel Planning Solutions | Crownsville, Maryland | | Ongoing planning fee | | [Monica Carlos](https://find.wellspent.co/advisors/monica-carlos.md) | Audible Wealth Management | Silver Spring, Maryland | | Percentage of assets, Fixed fees | Showing the first 50 of 58. The full list, page by page: https://find.wellspent.co/audiences/pre-retirees/maryland/?page=2 ## Related - [Retirement planning in Maryland](https://find.wellspent.co/specialties/retirement-planning/maryland.md) - [Tax planning in Maryland](https://find.wellspent.co/specialties/tax-planning/maryland.md) - [Estate planning in Maryland](https://find.wellspent.co/specialties/estate-planning/maryland.md) - [Retirees in Maryland](https://find.wellspent.co/audiences/retirees/maryland.md) - [Family wealth transfer in Maryland](https://find.wellspent.co/specialties/family-wealth-transfer/maryland.md) - [Small business owners in Maryland](https://find.wellspent.co/specialties/small-business-owners/maryland.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).