Nautical Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Nautical Financial Planning is a fee-only, independent advisory firm run by a single CFP® practitioner that provides hourly and project-based financial planning and consultation to individuals, couples, families and business entities. The firm does not take custody of client assets or provide discretionary portfolio management; clients implement recommendations themselves or engage the firm for periodic, on-request reviews.
The adviser’s investment guidance emphasizes globally diversified, low-cost, tax-efficient passive mutual funds and ETFs and uses strategic asset allocation and Monte Carlo analysis to model outcomes and recommend portfolio weightings. Nautical will recommend custodians (for example, Fidelity and TD Ameritrade), assist with account setup and provide rebalancing or tax-loss harvesting advice when clients request paid consulting time, rather than managing accounts on an ongoing basis.
Compared with many independent peers, Nautical is notable for relying solely on hourly or project fees instead of percentage-of-AUM billing and for explicitly not accepting commissions or third-party payments. The principal’s CFP® credential, Enrolled Agent status and state tax-preparer licenses support integrated tax and planning advice, and the firm’s policies emphasize fiduciary duty and the use of no-load funds in client recommendations.
Client services
Expertise
Fee options
$250/hour billed in fifteen-minute increments
Fee-only: $250/hour billed in fifteen-minute increments
Main office
Gambrills MD
Advisors at this office
1
Most active in
Maryland
Also doing business as
Nautical Financial Planning · Nautical Financial Planning 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 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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