Trumbower Financial Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Trumbower Financial Advisors provides comprehensive financial planning, tax compliance, and portfolio management to individuals, families, small pension and profit-sharing plans, charitable organizations, foundations, trusts, estates and personal service corporations. The firm’s advisory work routinely addresses estate planning, retirement planning, cash‑flow management, budgeting and tax planning alongside investment advice.
TFA follows a five‑step advisory process and documents client objectives and constraints in a written Investment Policy Statement; it places particular emphasis on a Conservative Fixed Income (CFI) component structured as a ladder of municipal bonds (AA minimum), brokered FDIC‑insured CDs and U.S. Treasury/Agency securities with staggered maturities, using taxable‑equivalent yield tables to guide purchases. The firm generally favors managed mutual funds and unleveraged broad index ETFs over separately managed accounts, discloses covered‑call option and margin/borrowing risks in its materials, and requires discretionary authority specifically to implement and manage the CFI ladder even when much of the firm’s business is non‑discretionary.
Noteworthy for a team of its size, TFA manages the majority of its reported assets on a non‑discretionary basis while also operating with relatively high AUM per advisor, a mix that is uncommon among peer firms. The firm offers in‑house tax compliance services and participates in employer‑sponsored executive financial counseling arrangements, does not participate in wrap fee programs, and states it does not accept commissions, referral fees or soft‑dollar arrangements.
Client services
Expertise
Occupation focus
Fee options
Fixed quarterly or annual retainers, typically in employer-sponsored executive financial counseling programs
$0 - $499,999: 1.0% annually $500,000 - $999,999: 0.75% annually $1,000,000 - $4,999,999: 0.50% annually $5,000,000+: 0.30% annually
Hourly rates range from $295 to $775 per hour depending on adviser experience
Fee-only: Hourly rates range from $295 to $775 per hour, negotiable fixed quarterly or annual retainers
Main office
3 Bethesda Metro Center, Suite 340
Bethesda MD 20814
Advisors at this office
6
Most active in
Arizona · California · District of Columbia · Florida · Louisiana · Maryland · Massachusetts · New Hampshire · New Jersey · New York · South Carolina · Texas · 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 active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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.
Advisors at this firm
Heath B
CFP®, Series 63, Series 65
Bethesda, MD
Trumbower Financial Advisors LLC
Heath Brewer is a CFP®-certified financial advisor with 13 years of experience, currently practicing at Trumbower Financial Advisors LLC. He has been with Trumbower since 2013. Trumbower Financial Advisors provides comprehensive financial planning, tax compliance, and portfolio management to individuals, families, small pension and profit-sharing plans, charitable organizations, foundations, trusts, estates, and personal service corporations. The firm emphasizes a Conservative Fixed Income strategy using municipal bonds, brokered CDs, and U.S. Treasury securities within a disciplined advisory process that integrates estate, retirement, and tax planning alongside investment advice.
Michael P
CFP®, Series 66
Bethesda, MD
Trumbower Financial Advisors LLC
Michael Perhac is a Certified Financial Planner™ (CFP®) with 13 years of industry experience. He has been with Trumbower Financial Advisors LLC since 2015. Trumbower Financial Advisors serves individuals, families, and various institutions with comprehensive financial planning, portfolio management, and tax compliance services. The firm follows a documented five-step investment advisory process focused on a Conservative Fixed Income approach and manages a substantial asset base with an emphasis on non-discretionary client relationships.
Victoria T
CFP®, Series 65
Bethesda, MD
Trumbower Financial Advisors LLC
Victoria Trumbower is a CFP® and holds a Series 65 license with 29 years of industry experience. She has been with Trumbower Financial Advisors LLC since 1996. Trumbower Financial Advisors serves individuals, families, small pension and profit-sharing plans, charities, foundations, trusts, estates, and personal service corporations with comprehensive financial planning, portfolio management, and tax compliance services. The firm follows a documented five-step investment advisory process that emphasizes a Conservative Fixed Income component and generally favors managed mutual funds and broad index ETFs over separately managed accounts.
Christina B
CFA®, Series 65
Bethesda, MD
Trumbower Financial Advisors LLC
Christina Bresnan is a CFA® charterholder with 20 years of experience in the financial advisory industry. She has been with Trumbower Financial Advisors LLC since 2005. Trumbower Financial Advisors serves individuals, families, and various types of plans and organizations with comprehensive financial planning, portfolio management, and tax compliance services. The firm follows a documented five-step investment advisory process emphasizing a Conservative Fixed Income approach and manages a large asset base relative to its team size.
Brad N
CFA®, Series 66
Bethesda, MD
Trumbower Financial Advisors LLC
Brad Neumann is a CFA® charterholder with 20 years of industry experience. He has been with Trumbower Financial Advisors LLC since 2011. Outside of his advisory role, he has experience as a rental property owner and manager. Trumbower Financial Advisors serves individuals, families, small pension and profit-sharing plans, charities, foundations, trusts, estates, and personal service corporations with comprehensive financial planning, portfolio management, and tax compliance services. The firm follows a documented five-step investment advisory process emphasizing conservative fixed income strategies and generally favors managed mutual funds and broad index ETFs.
Robert S
CFP®
Bethesda, MD
Trumbower Financial Advisors LLC
Robert Speece is a CFP® professional with six years of industry experience. He has worked at Trumbower Financial Advisors LLC since 2019 and previously held roles at Guidehouse and PwC LLP. Trumbower Financial Advisors serves individuals, families, small pension and profit-sharing plans, charities, foundations, trusts, estates, and personal service corporations with comprehensive financial planning, portfolio management, and tax compliance services. The firm follows a documented five-step investment advisory process that includes a Conservative Fixed Income component and emphasizes tax-oriented planning and a preferences-driven account model.
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