Westminster, MD Office

The Financial Consulate works with individuals (including high-net-worth clients), retirement plan sponsors and participants, and other institutional clients to provide comprehensive financial planning, discretionary and non-discretionary investment management, and retirement plan consulting. In addition to advisory services, the firm offers integrated tax and accounting work—tax preparation, bookkeeping, and QuickBooks support—alongside its financial planning and management engagements.

The firm follows a proprietary “Risk Opportunity Investing” approach that blends active tactical asset allocation with bottom-up fundamental, top-down macroeconomic, and technical analysis, and it offers both active and index-oriented allocation strategies. It also provides a Financial Supervision service that allows clients to consolidate externally managed assets under non‑discretionary oversight for easier succession or transition.

Compared with many multi-advisor practices, The Financial Consulate integrates accounting and tax services directly into its advisory offering and bills these services separately when provided, an arrangement that is statistically uncommon among peers. The firm issues regular client reporting (quarterly performance and annual tax reports) and leverages custodial publications and educational programs while maintaining longer‑standing offerings such as corporate seminars and stated conflicts‑management practices (for example, donating legacy insurance renewal commissions to charity and declining referral commissions).