AAA Advisory LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
12
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
12
LowAverage account size
$0
About
AAA Advisory LLC serves individual clients, including high‑net‑worth individuals, through a small, primarily virtual practice with a limited client roster. The firm provides comprehensive and project‑based financial planning and offers tax preparation as a separate service, with engagements delivered on a non‑discretionary basis.
The firm’s advice emphasizes long‑term, passive investment principles and Modern Portfolio Theory, recommending asset allocation using mutual funds, ETFs, stocks, and bonds, while leaving implementation to clients. AAA Advisory is a fee‑only practice that uses fixed‑fee and hourly billing rather than percentage‑of‑AUM pricing and does not manage or custody client assets.
What is distinctive about the firm is that its principal holds both CPA and CFP credentials and maintains a consulting relationship with an accounting firm, which supports a standalone tax preparation offering uncommon among independent advisers. The combination of a very small client base, primarily virtual delivery, formal one‑year engagement termination provisions, and the absence of portfolio management or AUM fees differentiates the firm from most peers.
Client services
Financial planning
Expertise
General retirement planning
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
Charitable giving & philanthropy
Fee options
Fixed fee for Comprehensive Financial Planning, typically $3,000 to $6,000 annually; Tax Preparation Services assessed as fixed fee based on scope.
$300 per hour for Project-Based Financial Planning, additional services post-termination, and hourly fees for services prior to termination.
Fee-only: Fixed fees for Comprehensive Financial Planning ($3,000 to $6,000 annually); Hourly fees $300 per hour for Project-Based Financial Planning and additional services after termination; fixed fees for Tax Preparation Services based on the scope of returns and schedules.
Main office location
AAA Advisory LLC
Walkersville MD, United States
Number of offices
1
Most active in
AAA Advisory LLC has reported serving >5 clients in these states in the last 12 months.
Maryland
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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