# Financial advisors for retirees in Maryland > For retirees in Maryland, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Lindsey Young of Quiet Wealth LLC, John Bell of Free State Financial Planning and Jacob Sadler of Curio Wealth, LLC. Page: https://find.wellspent.co/audiences/retirees/maryland/ 75 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 as a retiree in Maryland? For retirees in Maryland, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Lindsey Young of Quiet Wealth LLC, John Bell of Free State Financial Planning and Jacob Sadler of Curio Wealth, LLC. - [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 Bell](https://find.wellspent.co/advisors/john-bell/), Free State Financial Planning, Clarksville. Holds the CFP. Fees on file: subscription, one-time planning fee. - [Jacob Sadler](https://find.wellspent.co/advisors/jacob-sadler/), Curio Wealth, LLC, Annapolis. Holds the CFP. Fees on file: ongoing planning fee. - [Elizabeth Remick](https://find.wellspent.co/advisors/elizabeth-remick/), Ithaka Financial Planning, Bethesda. Holds the CFP. Fees on file: percentage of assets. - [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. - [Nathan McDuffee](https://find.wellspent.co/advisors/nathan-mcduffee/), Oliver Wealth Management, Towson. Holds the CFP. Fees on file: ongoing planning fee. ## How many fee-only financial advisors in Maryland work with retirees? The Wellspent public graph lists 75 fee-only advisors for retirees in Maryland, at 38 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for retirees in Maryland located? Of the 75 fee-only advisors for retirees in Maryland, 13 are in Rockville, followed by 8 in Hanover and 7 in Annapolis. ## How do fee-only advisors for retirees in Maryland charge? The most common fee among fee-only advisors for retirees in Maryland is a percentage of assets, used by 87% of the 75 with fees on file. Many use more than one: 56% charge by the hour and 44% 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 retirees have? For retirees, look for the CFP and EA. In Maryland, 45% of the 75 advisors listed hold the CFP. - CFP (45% of advisors listed): The CFP covers tax, insurance, and estate decisions together. - EA (1% of advisors listed): Enrolled agents help with RMDs and Medicare surcharges. ## How do Maryland advisors for retirees compare with the rest of the US? 56% of fee-only advisors for retirees in Maryland charge by the hour, compared with 41% of the 3,334 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 as a retiree in Maryland? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - How does Maryland tax each source of my retirement income? ## How current is this list of fee-only advisors for retirees 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 | | [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 | | [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 | | [Philip Weiss](https://find.wellspent.co/advisors/philip-weiss.md) | Apprise Wealth Management LLC | Phoenix, Maryland | CFA, CPA | Percentage of assets, Flat fee or retainer, Ongoing planning fee | | [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 | | [Elizabeth Remick](https://find.wellspent.co/advisors/elizabeth-remick.md) | Ithaka Financial Planning | Bethesda, Maryland | CFP, MBA | Percentage of assets | | [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 | | [Grant Palmer, IV](https://find.wellspent.co/advisors/grant-palmer-iv.md) | Waypoint Wealth Management | Timonium, Maryland | CFP | Percentage of assets, Fixed fees | | [Tom Taylor](https://find.wellspent.co/advisors/tom-taylor.md) | Chesapeake Financial Advisors | Towson, Maryland | CPA/PFS | Percentage of assets, Hourly, Fixed fees | | [David Levitt](https://find.wellspent.co/advisors/david-levitt.md) | Glassman Wealth | North Bethesda, Maryland | CFP | Percentage of assets, 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 | | [Mario Zumbo](https://find.wellspent.co/advisors/mario-zumbo.md) | Preserve Private Wealth | Bethesda, Maryland | CFP | Percentage of assets, Fixed fees | | [Nathan McDuffee](https://find.wellspent.co/advisors/nathan-mcduffee.md) | Oliver Wealth Management | Towson, Maryland | CFP, ChFC | Ongoing planning fee | | [Patrick McNamara](https://find.wellspent.co/advisors/patrick-mcnamara.md) | Glassman Wealth | Rockville, Maryland | CFP | Percentage of assets, Fixed fees | | [Thaddeus Toal](https://find.wellspent.co/advisors/thaddeus-toal.md) | RCS Financial Planning | Annapolis, Maryland | CFP | Percentage of assets, Hourly, Fixed fees | | [Erich Imphong](https://find.wellspent.co/advisors/erich-imphong.md) | Plotkin Financial Advisors | Marriottsville, Maryland | CFP | Percentage of assets, Hourly | | [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 | | [David Sheiman](https://find.wellspent.co/advisors/david-sheiman.md) | The Ellerson Group | Annapolis, Maryland | CFA | Percentage of assets, Hourly | | [Jeffrey Yeakle](https://find.wellspent.co/advisors/jeffrey-yeakle.md) | MY Wealth Management | Germantown, Maryland | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Aaron Weston](https://find.wellspent.co/advisors/aaron-weston.md) | FSA Wealth Partners | Rockville, Maryland | CFP | 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 | | [David Petersen](https://find.wellspent.co/advisors/david-petersen.md) | FSA Wealth Partners | Rockville, Maryland | CFP | Percentage of assets, Hourly, Fixed fees | | [George Boudreau](https://find.wellspent.co/advisors/george-boudreau.md) | Oliver Wealth Management | Towson, Maryland | | Ongoing planning fee | | [James Joseph](https://find.wellspent.co/advisors/james-joseph.md) | FSA Wealth Partners | Rockville, Maryland | CFP | Percentage of assets, Hourly, Fixed fees | | [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 | | [Kevin Caldwell](https://find.wellspent.co/advisors/kevin-caldwell.md) | Islands East Advisors | Chester, Maryland | | Flat fee or retainer, Hourly, Percentage of assets, Ongoing planning fee | | [Kimberly Basenback](https://find.wellspent.co/advisors/kimberly-basenback.md) | FSA Wealth Partners | Rockville, Maryland | CFP | Percentage of assets, Hourly, Fixed fees | | [Lawrence Kiely](https://find.wellspent.co/advisors/lawrence-kiely.md) | Prostatis Group | Hanover, Maryland | | Percentage of assets, Hourly | Showing the first 50 of 75. The full list, page by page: https://find.wellspent.co/audiences/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) - [Pre-retirees in Maryland](https://find.wellspent.co/audiences/pre-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).