# Financial advisors for retirement planning in Maryland > For retirement planning in Maryland, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Liz Plot of Primas Financial Planning, Lindsey Young of Quiet Wealth LLC and Jacob Sadler of Curio Wealth, LLC. Page: https://find.wellspent.co/specialties/retirement-planning/maryland/ 117 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 about retirement planning in Maryland? For retirement planning in Maryland, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Liz Plot of Primas Financial Planning, Lindsey Young of Quiet Wealth LLC and Jacob Sadler of Curio Wealth, LLC. - [Liz Plot](https://find.wellspent.co/advisors/liz-plot/), Primas Financial Planning, Columbia. Holds the CFP and EA. Fees on file: ongoing planning fee, one-time planning fee. - [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. - [Jacob Sadler](https://find.wellspent.co/advisors/jacob-sadler/), Curio Wealth, LLC, Annapolis. Holds the CFP and CPA. Fees on file: ongoing planning fee. - [Tim Baker](https://find.wellspent.co/advisors/tim-baker-10276/), YFP Wealth, New Albany. Holds the RICP and CFP. Fees on file: percentage of assets, fixed fees. - [Tad Jakes](https://find.wellspent.co/advisors/tad-jakes/), MFAC Financial Advisors, Inc., White Hall. Holds the CFP and EA. Fees on file: percentage of assets, hourly. - [Nick Booth](https://find.wellspent.co/advisors/nick-booth/), Nine Inning Finance, LLC, North Bethesda. Holds the CFP. Fees on file: subscription, one-time planning fee. ## How many fee-only financial advisors in Maryland work on retirement planning? The Wellspent public graph lists 117 fee-only advisors for retirement planning in Maryland, at 70 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for retirement planning in Maryland located? Of the 117 fee-only advisors for retirement planning in Maryland, 13 are in Rockville, followed by 11 in Annapolis and 8 in Baltimore. ## How do fee-only advisors for retirement planning in Maryland charge? The most common fee among fee-only advisors for retirement planning in Maryland is a percentage of assets, used by 80% of the 117 with fees on file. Many use more than one: 61% charge by the hour and 46% 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 retirement planning have? For retirement planning, look for the RICP, CFP and EA. In Maryland, 45% of the 117 advisors listed hold the CFP. - RICP (1% of advisors listed): The RICP is built around retirement income specifically. - CFP (45% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. - EA (3% of advisors listed): Enrolled agents help with Roth conversions and withdrawal order. - CPA (3% of advisors listed): CPAs help with the tax side of withdrawals. ## How do Maryland advisors for retirement planning compare with the rest of the US? 61% of fee-only advisors for retirement planning in Maryland charge by the hour, compared with 45% of the 7,304 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 about retirement planning in Maryland? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - How does Maryland tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning 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 | | [Liz Plot](https://find.wellspent.co/advisors/liz-plot.md) | Primas Financial Planning | Columbia, Maryland | CFP, ChFC, AFC, EA | Ongoing planning fee, One-time planning fee | | [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 | | [Ethan Miller](https://find.wellspent.co/advisors/ethan-miller.md) | Planning for Progress | Silver Spring, Maryland | CFP | Ongoing 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 | | [Rianka Dorsainvil](https://find.wellspent.co/advisors/rianka-dorsainvil.md) | YGC Wealth | Lanham, Maryland | CFP | Ongoing planning fee | | [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 | | [Ryan Townsley](https://find.wellspent.co/advisors/ryan-townsley.md) | Town Capital | Bel Air, Maryland | CFP, MBA | Percentage of assets, Fixed fees | | [Tim Baker](https://find.wellspent.co/advisors/tim-baker-10276.md) | YFP Wealth | New Albany, Maryland | CFP, RICP, RLP | Percentage of assets, Fixed fees | | [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 | | [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 | | [Chad Arrington](https://find.wellspent.co/advisors/chad-arrington.md) | The Kelly Group | Bel Air, Maryland | CFP | Percentage of assets, Hourly, Fixed fees | | [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 | | [Sergio Abarca](https://find.wellspent.co/advisors/sergio-abarca.md) | Personal Financial Partners | Chevy Chase, Maryland | CFP | Percentage of assets, Fixed fees | | [Tad Jakes](https://find.wellspent.co/advisors/tad-jakes.md) | MFAC Financial Advisors, Inc. | White Hall, Maryland | CFP, EA, ECA | Percentage of assets, Hourly, Fixed fees | | [Christopher Rhim](https://find.wellspent.co/advisors/christopher-rhim.md) | Green View Advisors, LLC | ROCKVILLE, Maryland | CDFA, CFP | 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 | | [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 | | [Christine Parker](https://find.wellspent.co/advisors/christine-parker.md) | Parker Financial | La Plata, Maryland | CFP | Percentage of assets, Ongoing planning fee, Flat fee or retainer | | [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 | | [James Brennan](https://find.wellspent.co/advisors/james-brennan.md) | 1 North Wealth Services | Annapolis, Maryland | CFP | Hourly, Ongoing planning fee | | [John Berzellini](https://find.wellspent.co/advisors/john-berzellini.md) | JBA Financial Advisors | Timonium, Maryland | CFP | Percentage of assets, Hourly, One-time planning fee, Ongoing planning fee | | [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 | | [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 | | [Vincent Barrett](https://find.wellspent.co/advisors/vincent-barrett.md) | Acorn Financial Services | Bethesda, 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 | | [Patricia Bush](https://find.wellspent.co/advisors/patricia-bush.md) | AAA Advisory | Walkersville, Maryland | CFP | Hourly, Flat fee or retainer, One-time planning fee, Ongoing planning fee | | [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 | | [Andrew Cecil](https://find.wellspent.co/advisors/andrew-cecil.md) | Cecil Wealth | Westminster, Maryland | CFP | Percentage of assets | | [Ashley Perlmutter](https://find.wellspent.co/advisors/ashley-perlmutter.md) | Sherman Wealth | Gaithersburg, Maryland | | Percentage of assets, Hourly, Fixed fees | | [Bradley Sherman](https://find.wellspent.co/advisors/bradley-sherman.md) | Sherman Wealth | Gaithersburg, Maryland | | Percentage of assets, Hourly, Fixed fees | | [Frances Spurry](https://find.wellspent.co/advisors/frances-spurry.md) | Tred Avon Family Wealth | Easton, Maryland | CFP | 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 | | [Jeyamariappan Ganapathy](https://find.wellspent.co/advisors/jeyamariappan-ganapathy.md) | Samatva Wealth Management | Clarksburg, Maryland | CFA | Percentage of assets, Hourly, Fixed fees | | [Kirsten Calambro](https://find.wellspent.co/advisors/kirsten-calambro.md) | Oxford Planning Group | Woodstock, Maryland | CFP | Percentage of assets, Hourly, Fixed fees | Showing the first 50 of 117. The full list, page by page: https://find.wellspent.co/specialties/retirement-planning/maryland/?page=2 ## Related - [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) - [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).