Garritt Financial Solutions LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Garritt Financial Solutions provides financial planning and investment management primarily to individual clients and to employer retirement plans, delivering comprehensive and project-based planning as well as ongoing portfolio management. The firm reports $15.68 million in discretionary assets across 159 client relationships with three advisors, indicating a modestly sized client base relative to larger firms in the category.
The firm generally implements a passive investment approach using low‑cost index mutual funds and ETFs and may delegate portfolio management to sub‑advisors and platforms such as Betterment for Advisors while managing accounts on a discretionary basis. Financial planning services cover a broad range of topics — retirement planning, employee benefits optimization, tax strategies, estate considerations — and also include less common offerings such as travel planning and student loan analysis, available on fixed‑fee, project, or hourly engagements.
Compared with many peers, GFS’s client mix tilts toward non‑high‑net‑worth individuals: although its ADV lists high‑net‑worth clients as a category, the firm’s AUM and client counts imply it does not focus on HNW households. The firm’s advisory team has notable roots in education and small‑business activity (several principals with long public‑school careers and outside business activities), and it operates as a fee‑only adviser that leverages digital sub‑advisors and retirement plan consulting for employers.
Client services
Expertise
Occupation focus
Fee options
Project-based financial planning fixed fees range from $1,800 - $3,500 (individuals) and $2,500 - $4,000 (couples). Also, upfront fixed fees for comprehensive financial planning ($1,000 - $2,500 individuals, $1,800 - $3,000 couples).
$0+: 0.85% annually for Investment Management Services $0+: 0.50% annually for Retirement Plan Consulting
$275 per hour for project-based financial planning; $250 per hour for participant education and enrollment in retirement plan consulting.
Minimum fee: Upfront fixed fee of $1,000 - $2,500 (individuals) or $1,800 - $3,000 (couples) for onboarding; plus an ongoing annual fixed fee billed monthly ranging from $200 - $400 (individuals) or $300 - $500 (couples). Fees are negotiable. Fee-only: Comprehensive and project-based financial planning fixed fees and hourly fees (e.g., $275/hour). GFS is fee-only and does not accept commissions.
Main office
Baltimore MD
Advisors at this office
3
Most active in
California · District of Columbia · Louisiana · Maryland · New York · Virginia
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
Quick links
Advisors at this firm
Justin G
Series 65
Baltimore, MD
Garritt Financial Solutions LLC
Justin Garritt is a Series 65-licensed financial advisor with six years of industry experience at Garritt Financial Solutions LLC in Baltimore, MD. Prior to founding his firm, he worked for 11 years with Baltimore City Public Schools. He frequently speaks at associations, schools, and non-profits. Garritt Financial Solutions provides financial planning and investment management primarily to individual clients and employer retirement plans, using a passive investment approach centered on low-cost index funds and ETFs. The firm serves a modestly sized client base and offers a range of planning services, including retirement, tax, estate, travel, and student loan analysis.
Jeffrey V
Series 65
Baltimore, MD
Garritt Financial Solutions LLC
Jeffrey Venables is a financial advisor at Garritt Financial Solutions LLC with a Series 65 designation and two years of industry experience. He has been affiliated with Venables Financial Solutions, LLC since 2024 and has worked as a teacher at Rock Hill Schools since 1995. Garritt Financial Solutions provides financial planning and investment management primarily to individual clients and employer retirement plans. The firm uses a passive investment approach focused on low-cost index funds and ETFs, offering a range of planning services including retirement, tax, and estate strategies.
Anne Claire N
Series 65
Baltimore, MD
Garritt Financial Solutions LLC
Anne Claire Nornhold is a financial advisor at Garritt Financial Solutions LLC with three years of industry experience. She holds a Series 65 designation and has worked at Garritt Financial Solutions since 2023. In addition to her advisory role, she is co-owner of Blossom Laboratories. Garritt Financial Solutions provides financial planning and investment management primarily to individual clients and employer retirement plans. The firm follows a passive investment approach using low-cost index funds and ETFs and offers a range of planning services, including retirement, tax, and estate planning, along with employee benefits optimization.
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