Financial Dimensions, Llc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Financial Dimensions LLC provides personalized financial planning and investment management to individuals, trusts, estates, and small businesses, advising on cash flow, tax planning, retirement, education funding, and estate matters. The firm also offers tax preparation as a separate service and is a licensed insurance producer that may recommend and place non-variable insurance and certain annuity products.
Investment management is delivered under written investment policy statements and typically follows a strategic asset-allocation, core-and-satellite approach that uses index funds and ETFs as core holdings while adding active managers or individual securities selectively. The adviser accepts discretionary trading authority, conducts periodic (generally quarterly) account reviews, and employs fundamental, technical, and cyclical analysis in its research and recommendations.
The firm is wholly owned by First Financial of Maryland Federal Credit Union, and discloses that clients may be eligible for relationship benefits through the parent organization and that the credit union supports business-continuity arrangements, including takeover of management operations if key personnel are unavailable. Financial Dimensions also emphasizes advisor education with accounting-related credentials (e.g., Enrolled Agent, CPA) and discloses relationships with third‑party insurance networks and broker‑dealers that can affect how certain insurance and brokerage solutions are implemented.
Client services
Expertise
Fee options
First Dollar (Wealth Builder) Investment Management Agreement fixed fee $45/month for credit union members and $60/month for non-members, billed quarterly; fees are not negotiable
Above $3,000,000+: 0.75% for credit union members, 0.95% for non-members $2,000,001 - $3,000,000: 0.80% for credit union members, 0.95% for non-members $1,000,001 - $2,000,000: 0.85% for credit union members, 0.95% for non-members $500,001 - $1,000,000: 0.90% for credit union members, 1.10% for non-members $100,000 - $500,000: 0.95% for credit union members, 1.20% for non-members Less than $100,000 - $100,000: 1.10% for credit union members, 1.50% for non-members
May receive commissions on sale of insurance products; commissions disclosed to clients separately
Financial and hourly planning billed at $250 per hour
First Dollar program fees are monthly flat fees billed quarterly ($45 or $60 per month)
Account minimum: $540 per year (minimum annual fee) with discretionary waivers possible; no specific asset minimum clearly stated Minimum fee: Minimum annual fee is $540 per year ($80/month for credit union members, $95/month for non-members), negotiable and may be waived at discretion Fee-only: Hourly planning and financial planning charged at $250 per hour
Main office
1301 York Road, Suite 103
Lutherville MD 21093
Advisors at this office
4
Most active in
Maryland · Pennsylvania
Also doing business as
Financial Dimensions, Inc. · Financial Dimensions, LLC.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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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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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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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
Advisors at this firm
David S
Series 63, Series 65
Lutherville, MD
Financial Dimensions, Llc.
David Sitzer is a financial advisor at Financial Dimensions LLC with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Janney Montgomery Scott and First Financial of Maryland Federal Credit Union, where he currently serves as Chief Investment Officer managing the credit union’s fixed income portfolio. He is also involved in the Financial Managers Society, Maryland chapter, including event planning and organization management. Financial Dimensions LLC provides personalized financial planning and investment management to individuals, trusts, estates, and small businesses, employing a strategic asset-allocation approach with a mix of index funds, ETFs, and selective active management. The firm is wholly owned by First Financial of Maryland Federal Credit Union and offers integrated services including tax preparation and insurance solutions.
Lauren B
Series 65
Lutherville, MD
Financial Dimensions, Llc.
Lauren Botti is a financial advisor at Financial Dimensions, LLC with one year of industry experience. She holds a Series 65 credential and provides accounting services as a contractor for a small engineering firm. Lauren has been associated with Financial Dimensions since 1998 in various capacities. Financial Dimensions LLC offers personalized financial planning and investment management to individuals, trusts, estates, and small businesses. The firm employs a strategic asset-allocation approach using index funds and ETFs as core holdings, supplemented by active managers or individual securities, and provides additional services such as tax preparation and non-variable insurance.
Michael P
Series 65
Lutherville, MD
Financial Dimensions, Llc.
Michael Powers is a Series 65-licensed advisor with Financial Dimensions, LLC, where he has worked since 2025. He has nine years of experience with First Financial of Maryland FCU and two years of prior service with the US Government. Powers serves as a volunteer board member for 501(c)(3) organizations. Financial Dimensions LLC provides personalized financial planning and investment management to individuals, trusts, estates, and small businesses, utilizing a strategic asset-allocation approach with index funds and ETFs as core holdings supplemented by active managers or individual securities. The firm offers comprehensive services including cash flow, tax, retirement, education funding, and estate planning, as well as tax preparation and non-variable insurance products.
Amber O
Series 65
Lutherville, MD
Financial Dimensions, Llc.
Amber O'Neill is a financial advisor at Financial Dimensions, LLC, holding a Series 65 credential with three years of industry experience. Her prior roles include positions at First Financial FCU and Towson University. Financial Dimensions, LLC provides personalized financial planning and investment management services to individuals, trusts, estates, and small businesses. The firm uses a strategic asset-allocation approach with index funds and ETFs as core holdings, complemented by active management, and offers additional tax preparation and insurance services.
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