Top financial advisors in Towson, MD
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you have significant assets or complex financial goals in Towson, MD, you need an advisor who understands local tax nuances, including Maryland's estate and inheritance taxes. Without this knowledge, you might face unexpected tax burdens that reduce your wealth transfer.
- Estate and inheritance tax expertise. Confirm how they navigate Maryland's dual tax system to protect your heirs.
- Comprehensive wealth planning. Look for advisors who integrate tax, investment, and legacy planning rather than treating them separately.
- Experience with local regulations. Ask how they stay current on Maryland-specific laws that impact your financial decisions.
- Coordination with other professionals. Effective advisors collaborate with your attorneys and accountants to align strategies across disciplines.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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James S
CFP®, Series 66
Towson, MD
The Simmons Partnership, Inc
James Simmons offers extensive expertise in Towson, MD, with 28 years in financial services and CFP® certification, making him well-equipped to address complex local tax and estate planning needs. His firm serves a diverse client base, including high-net-worth individuals and trusts, using tailored asset allocation strategies and flexible fee options such as flat fees and hourly rates, distinguishing him from advisors with more uniform fee structures.
Experience: 28 years
Avg account: $700,543
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Michele B
Series 65
Towson, MD
Kestra Advisory
Michele Beernink's 16 years of experience and Series 65 credential equip her to address complex financial needs in Towson, MD, including retirement plans for business owners and business exit strategies. Affiliated with Kestra Advisory, a large firm offering flat-fee options and institutional-level fiduciary consulting, she stands out by integrating wealth management with retirement-plan consulting for diverse clients.
Experience: 16 years
Avg account: $618,892
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Austin S
Series 66
Towson, MD
Cambridge Investment Research Advisors
Austin Smith in Towson, MD, offers expertise in retirement income strategies and business owner retirement plans, supported by eight years of industry experience and a Series 66 designation. Working with Cambridge Investment Research Advisors, a large firm, he provides flat-fee financial planning options and serves a diverse client base including individual investors and charitable organizations, distinguishing him from advisors focused solely on investment management.
Experience: 8 years
Avg account: $378,281
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Joseph V
Series 65
Baltimore, MD
HR Investment Consultants, Inc.
Joseph Valletta's extensive 35 years of experience and Series 65 credential position him well to address complex financial needs in the Towson area, especially with his deep understanding of retirement-plan consulting for 401(k) and 403(b) sponsors. Operating a solo practice with flat-fee and hourly options, he offers personalized, non-discretionary consulting services, distinguishing him from larger firms by focusing on a limited client base and specialized retirement plan expertise.
Experience: 35 years
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Thaddeus P
ChFC®, Series 63
Towson, MD
Cetera
Thaddeus Pedzich offers expertise in wealth management and tax-loss harvesting, which is valuable for navigating Maryland's estate and inheritance taxes in Towson. With 36 years of experience, a flat-fee structure, and affiliation with the large firm Cetera, he serves high earners and those approaching retirement, providing seasoned guidance that integrates retirement and philanthropic planning.
Experience: 36 years
Avg account: $306,089
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