Atlantic Financial Planning LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Atlantic Financial Planning provides fee-only financial planning and investment advisory services to individual and family clients, addressing retirement planning, Social Security claiming strategies, asset allocation, tax and estate considerations, and related financial issues. The firm operates on an hourly engagement model, provides fee estimates and engagement agreements up front, and requires clients to pay fees directly rather than by deduction from client accounts.
The adviser uses a goal- and risk-based process to recommend target asset allocations and favors a long-term, buy-and-hold approach implemented primarily with index funds and ETFs, with suggested rebalancing typically every 12–18 months. The firm does not exercise discretionary trading authority, does not execute or aggregate trades on clients’ behalf, and does not take custody of client assets.
Compared with many investment managers, the firm’s hourly billing and explicit absence of percentage-of-assets-under-management or performance fees are notable departures from common practice in the category. The adviser is a CFP® professional, adheres to NAPFA and fiduciary best-practice standards, does not accept commissions or third‑party referral fees, and limits personal trading to large, publicly traded pooled vehicles and U.S. Treasuries.
Client services
Expertise
Fee options
$280 per hour
Fee-only: $280 per hour
Main office
1997 Annapolis Exchange Parkway, Suite 300
Annapolis MD 21401
Advisors at this office
1
Most active in
District of Columbia · Maryland
Also doing business as
Atlantic Financial Planning · Atlantic Financial Planning LLC · Ryan, Charles K
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
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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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