Foundation Financial Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Foundation Financial Advisors provides financial planning and consulting primarily to individual clients, offering services such as investment analysis, income tax planning, risk-management and estate and retirement planning. The firm also advises on a broad set of investment vehicles — including ETFs, REITs, mutual funds, and retirement accounts — and makes tax preparation, bookkeeping, and accounting services available through an independent CPA contractor.
The firm’s process centers on comprehensive planning and portfolio analysis — using asset-allocation models, volatility and past-performance review, and scenario analysis — rather than ongoing discretionary investment management. Foundation Financial Advisors does not act as a discretionary portfolio manager, does not vote proxies for clients, and leaves implementation and custody to the client or chosen broker/custodian.
Compared with many team firms, Foundation Financial Advisors is notable for not charging percentage-of-assets-under-management fees and for explicitly not offering continuous investment management; advisors instead use fixed, hourly, or negotiated planning fees and may implement recommendations through an affiliated broker/dealer. Advisors are dually registered with an independent broker/dealer and may receive commissions and trail compensation for implemented transactions, and the firm documents several professional designations (CFP®, AIF®, CDFA™, ChFC®, CLU®) among its staff.
Client services
Expertise
Fee options
Commissions and fees earned if client implements plan through Advisory Representatives via Commonwealth Financial Network
Hourly fees billed at $200 to $500 per hour
Minimum fee: Fixed annual fees range from $500 to $5,000 Fee-only: Financial planning fees range from $1,000 to $10,000; hourly fees range from $200 to $500 per hour; fixed annual fees range from $500 to $5,000
Main office
785 Elkridge Landing Road, Suite 100
Linthicum MD 21090
Advisors at this office
4
Most active in
Maryland
Also doing business as
Foundation Financial Advisors, Inc · Foundation Financial Advisors, Inc.
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
Advisors at this firm
John H
CFP®, Series 63, Series 65
Linthicum, MD
Foundation Financial Advisors, Inc.
John Holtzman is a CFP® with 33 years of industry experience, currently serving as a financial advisor at Foundation Financial Advisors, Inc. since 1997. He is also associated with Commonwealth Financial Network over the same period. Foundation Financial Advisors provides financial planning and consulting primarily to individual clients, focusing on comprehensive planning and portfolio analysis without discretionary investment management. The firm offers a range of services including investment analysis, income tax planning, risk management, and estate and retirement planning, and uses fixed or hourly fees rather than percentage-based asset management charges.
Martha C
CFP®, Series 63, Series 65
Linthicum, MD
Foundation Financial Advisors, Inc.
Martha Crocker is a CFP®-certified financial advisor with 37 years of industry experience. She has worked at Foundation Financial Advisors, Inc. since 2012 and is also affiliated with Commonwealth Financial Network. Foundation Financial Advisors, Inc. provides fee-for-service financial planning and consulting to individual clients, focusing on tailored written plans rather than discretionary portfolio management. The firm offers a broad range of planning services and investment vehicle guidance, operating with an explicit avoidance of percentage-of-AUM advisory fees.
James R
CFP®, Series 66
Linthicum, MD
Foundation Financial Advisors, Inc.
James Roland II is a financial advisor at Foundation Financial Advisors, Inc. with 12 years of industry experience. He holds the CFP® designation and the Series 66 license. His prior work includes more than a decade at Sanders Morris Harris Inc. and multiple periods at Commonwealth Financial Network. Roland also spends part of his time involved in fixed insurance sales. Foundation Financial Advisors provides financial planning and consulting mainly to individual clients, focusing on comprehensive planning and portfolio analysis rather than discretionary investment management. The firm offers a range of services including investment analysis, income tax planning, risk management, and estate and retirement planning.
John B
CFP®, ChFC®, Series 63, Series 65
Linthicum, MD
Foundation Financial Advisors, Inc.
John Bacci is a CFP® and ChFC® with 41 years of experience in financial advisory services. He has been with Foundation Financial Advisors, Inc. since 1997, where he also serves as President and Owner. Outside of his advisory role, Bacci has taught a finance-related course at Anne Arundel Community College. Foundation Financial Advisors, Inc. provides fee-for-service financial planning and consulting to individual clients, covering areas such as investment analysis, tax planning, risk management, and estate planning. The firm focuses on tailored written financial plans without discretionary asset management and offers implementation through Commonwealth Financial Network.
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