TIAS Planners
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides investment advisory services, ongoing tailored portfolio advice, and both long-term and short-term comprehensive financial planning, along with seminars and public speaking engagements. It manages about $10.17 million for a small number of clients and delivers personalized plans that cover cash flow, retirement, tax strategies, estate planning, and business planning.
The firm primarily follows a passive, asset-allocation approach using index mutual funds and ETFs and constructs portfolios around client-specific investment policies, objectives, time horizons and risk tolerances. Although the adviser documents discretionary authority in agreements, as of December 31, 2024 all assets under management are non‑discretionary, so clients retain trading authority while receiving continuous advice and implementation support.
What distinguishes the firm from many independent peers is its largely non‑discretionary AUM—an arrangement that is relatively uncommon among similar advisers—and a very small client base with a relatively high average relationship size, which aligns with its practice of waiving planning fees for larger managed-asset relationships. The principal also reports material outside commitments (a real estate holding activity and a charitable nonprofit) and offers fee-based public speaking engagements, which are notable operational features for a firm of this size.
Client services
Expertise
Fee options
$500,000+: 0.35% to 1.25% per annum (negotiable, based on account type, complexity, and size)
Long-Term Comprehensive Financial Planning: Initial fee $1,500 (individual) to $3,000 (couple), monthly fee $150 to $250 starting month 13; Short-Term Financial Planning: $900 to $1,500 one-time fee
Account minimum: $500,000
Main office
Annapolis MD
Advisors at this office
1
Most active in
Maryland
Also doing business as
Hays, Steven, K · Tax + Investment Advisory Services · Tias Planners
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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