Warner Financial, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Warner Financial provides fee-based investment advisory and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm primarily delivers ongoing asset management—on both discretionary and non-discretionary bases—alongside retirement rollover guidance and the ability to serve as an investment fiduciary for trustee-directed ERISA plans.
The firm uses a top-down framework to build diversified portfolios, typically constructed with no-load mutual funds and ETFs, with attention to costs and tax consequences and a policy of avoiding short-term trading and market timing. Warner Financial treats cash as an asset class and monitors portfolios for rebalancing and risk, generally consulting clients before making significant changes even when granted discretionary trading authority.
Compared with many peers, Warner Financial permits borrowing against client assets in separately managed accounts (e.g., margin or pledged-asset loans) but documents that it does not recommend such borrowing for investment purposes and limits its support to specific short-term needs, a practice that can create additional considerations for clients. The firm also manages a sizable asset base with a small team of credentialed advisors, and will consider client-directed exposure to cryptocurrencies only with explicit client authorization rather than as a standard discretionary strategy.
Client services
Expertise
Fee options
Flat fees may be charged based on certain criteria (e.g., advanced planning needs, comprehensive financial plans).
$0 - $250,000: 0.90% $250,000 - $1,000,000: 0.85% $1,000,000 - $3,000,000: 0.75% $3,000,000 - $5,000,000: 0.65% $5,000,000+: 0.50%
Hourly charges reported in SEC Form ADV Part 1 but not specifically detailed in brochure.
Account minimum: $1,000,000 Fee-only: Fee-only basis, fees negotiable, and flat fees may be charged based on criteria.
Main office
See office4550 Montgomery Ave, Suite 352 North
Bethesda MD 20814
Advisors at this office
3
Offices (2)
Most active in
California · District of Columbia · Florida · Maryland · New Jersey · North Carolina · Pennsylvania · 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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Christopher W
CFP®, CFA®
Bethesda, MD
Warner Financial, Inc.
Christopher Warner is a CFP® and CFA® with 17 years of experience in the financial advisory industry. He has worked at Warner Financial, Inc. since 2008 and was previously with Cambridge Investment Research, Inc. from 2009 to 2017. Warner Financial, Inc. is a team of four advisors providing fee-only investment advisory and financial planning services primarily to individuals, pension and profit-sharing plans, and charitable organizations. The firm manages approximately $745 million using a top-down, asset-allocation approach focused on diversified, cost- and tax-aware portfolios.
Barbara W
CFP®, Series 63, Series 65
Bethesda, MD
Warner Financial, Inc.
Barbara Warner is a CFP® with 42 years of industry experience. She has been with Warner Financial, Inc. since 2005 and previously worked at Cambridge Investment Research, Inc. from 2009 to 2017. Warner Financial is a four-advisor team that provides fee-only investment advisory and financial planning services primarily to individuals, pension and profit-sharing plans, and charitable organizations. The firm manages approximately $745 million using a top-down, asset-allocation approach focused on diversified, cost- and tax-aware portfolios constructed with no-load mutual funds and ETFs.
Kevin J
CFP®, Series 65
Bethesda, MD
Warner Financial, Inc.
Kevin Jarcho is a CFP® and Series 65-licensed advisor at Warner Financial, Inc. in Bethesda, MD, with four years of industry experience. He has worked at Warner Financial since 2021 and previously spent five years at Intact Technology. Warner Financial provides fee-based investment advisory and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm uses a top-down approach to build diversified portfolios primarily with no-load mutual funds and ETFs, focusing on cost, tax implications, and risk management.
David W
CFA®
Bethesda, MD
Warner Financial, Inc.
David Warner is a CFA® charterholder with 25 years of experience in the financial industry. He has been with Warner Financial, Inc. since 2005 and previously worked at Cambridge Investment Research, Inc. from 2009 to 2017. Warner Financial, Inc. is a four-advisor team providing fee-only investment advisory and financial planning services to individuals, pension and profit-sharing plans, and charitable organizations. The firm manages approximately $745 million, employing a top-down, asset-allocation approach focused on diversified, cost- and tax-aware portfolios using no-load mutual funds and ETFs.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)