BRC Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
BRC Financial Planning is a fee-only independent advisory firm that works with individuals, high net‑worth clients, employer-sponsored pension and profit‑sharing plans, charitable organizations, and businesses. The firm provides investment management, ongoing and project‑based financial planning, and retirement plan consulting and management services.
The principal, who holds the CFP® designation, develops client‑specific investment policies and asset allocations informed by modern portfolio theory and a mix of passive and active strategies. The firm requires clients to use the Betterment platform for investment management and may engage outside managers; it can act with discretionary trading authority but also provides advisory or non‑discretionary consulting roles depending on the engagement.
Notable for a solo adviser, the firm explicitly offers pension plan consulting and retirement plan management and can serve as an ERISA 3(38) investment manager when engaged by plan sponsors. The brochure also discloses the principal’s outside business activities and nonprofit board involvement and explains that the firm’s required use of a single outside platform (Betterment) affects custody, execution, and service arrangements.
Client services
Expertise
Occupation focus
Fee options
Project-based financial planning fixed fees range from $350 to $1,250; ongoing fixed fees from $62.50 to $200 per month
$0 - $300,000: 1.75% $300,001 - $500,000: 1.25% $500,001 - $1,000,000: 0.90% $1,000,001+: 0.50%
Financial planning services at $150 per hour
Minimum fee: Initial financial plan fee up to $3,000; ongoing financial planning fixed fees from $62.50 to $200 per month Fee-only: Financial planning services charged hourly at $150/hour, fixed fees between $350 to $1,250 for project-based planning
Main office
Owings Mills MD
Advisors at this office
1
Most active in
Maryland
Also doing business as
Brc Financial Planning · Brc Financial Planning Limited Liability Company · Brc Financial Planning, Limited Liability Corporation
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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