Top tax-loss harvesting financial advisors in Baltimore, MD

Cecil Denton is the sole advisor at Decisions, LLC in Baltimore, MD, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Decisions since its founding in 1997. In addition to his advisory work, he is involved in life insurance activities with brokerage companies. Decisions, LLC provides financial planning and consulting services while referring clients to third-party asset managers and broker-dealers for portfolio management. The firm serves individuals, high-net-worth clients, business entities, and nonprofit organizations, and does not take custody of client assets.

Yuanyuan Yang is a financial advisor with Return on Life Wealth Partners in Baltimore, MD, holding a Series 66 designation and 13 years of industry experience. Yang has worked at LPL Financial since 2012 and is also involved with Planned Financial Services and 401(k) Prosperity. Return on Life Wealth Partners provides comprehensive financial planning and portfolio management primarily for individual and high-net-worth clients, as well as pension and profit-sharing plans. The firm employs a values-driven, holistic planning process that integrates investment, risk management, and legacy strategies with client goals and offers a range of fee arrangements and specialized services.

Melissa Mazard is a financial advisor at Seek the Plan with 13 years of industry experience. She holds the Series 63 and Series 65 licenses and has been involved with several nonprofit and educational organizations, including Junior Achievement and Spark Business Academy, where she supports financial literacy and business education programs. Prior to founding her firm, she worked at Foresters Financial. Seek the Plan provides tailored financial planning and investment advice to individual clients, focusing on education, asset allocation, and comprehensive non-investment planning topics such as tax optimization and cash-flow management. The firm emphasizes a long-term investment perspective, offers financial education seminars, and uses non‑AUM fee structures without holding custody of client assets.

Thomas O'Neil Jr. is a CFA® charterholder with 36 years of industry experience. He has been with D.F. Dent and Company, Inc. in Baltimore, MD since 1985. D.F. Dent and Company provides discretionary investment management and financial planning to individual and institutional clients, including high-net-worth individuals, retirement plans, charitable institutions, and municipal entities. The firm employs a disciplined portfolio construction process across equity and fixed-income strategies and manages a family of mutual funds while serving other advisors and wrap/UMA programs.

Validmir Kats is a financial advisor with Fiduciary Financial Advisors in Baltimore, MD, holding a Series 65 credential and one year of industry experience. His prior roles include positions at Five Doors and Legacy, and he has been involved in business consulting through his private practice. Kats serves on the advisory board of Alchemy of Money and holds a Maryland real estate license. Fiduciary Financial Advisors provides discretionary investment management, financial planning, and legacy position management to individuals, families, trusts, retirement plans, corporations, and charitable foundations. The firm combines strategic asset allocation with tactical adjustments using fundamental, technical, and quantitative analysis, and offers services including individual professional trustee roles and access to private alternative funds.

Edwina Martin is a Series 65 licensed financial advisor with two years of industry experience, currently with Waverly Advisors, LLC. She previously worked at 9258 Wealth Management for five years and was employed at Teradata Corp for eleven years. Martin also serves as assistant director of tax planning at 9258 Tax and Planning, a non-investment related business. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individuals, retirement plans, and pooled investment vehicles. The firm combines traditional equity and fixed-income strategies with alternative and private-market allocations, offering a range of investment management and financial planning services.

Jeffrey Park is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill and affiliated firms since 2011, including roles at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory work, he is a sole owner and co-owner of family rental properties in Lawrenceville, Georgia. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Hassan Al Kadhimi is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JP Morgan Chase Bank, N.A. He is also involved with NIHFCU Wealth Advisors, a related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Sarah Currier Barrella is a CFP® professional with 26 years of experience in financial advisory services. She currently works at Santander Securities LLC and Santander Bank, NA, having previously held positions at TD Bank and Citizens Securities, Inc. Barrella is based in Boston, MA. Santander Securities LLC serves a broad retail client base with approximately $3.14 billion in regulatory assets under management across 10,800 client relationships. The firm offers investment advisory services, portfolio management through wrap-fee programs, and financial planning, operating both as a registered investment adviser and a FINRA-registered broker-dealer.

Deborah Etherton is a financial advisor at Edward Jones in Cape Girardeau, MO, holding Series 63 and Series 66 licenses with 20 years of industry experience. She has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.