We work best with professionals who want clear, personalized guidance for their financial future. Many of our clients are mid-career professionals, pre-retirees and retirees, and federal employees navigating their unique benefits. As a fiduciary, fee-only financial advisor serving clients in the National Capital Region and beyond, we provide comprehensive planning that integrates investments, retirement income, tax strategies, and estate considerations—all designed to help you make confident decisions. Learn more about the clients we serve.

Yes. While we are headquartered in Bethesda, Maryland, we primarily work with clients virtually by phone or video. Many of our clients relocate after retirement, so we’re set up to serve families across the country. Whether you’re local to the DMV (D.C., Maryland, Virginia) or live elsewhere in the U.S., you’ll receive the same fiduciary, fee-only guidance tailored to your goals.

We offer both financial planning and investment management, fully tailored to your goals. Our financial planning often includes budgeting and cash flow planning, tax optimization, risk management, estate planning, retirement and pension strategies, employee benefit analysis, Social Security and Medicare planning, insurance review, and health care cost analysis—all integrated into one clear plan. As a fiduciary, fee-only advisor in the Washington Metropolitan Area, we focus on simplifying your finances so you can make confident decisions about your future. Learn more about how we work.

Both. We combine financial planning and investment management into one coordinated approach. That means we help with the big-picture planning—things like retirement strategies, tax optimization, estate planning, and employee benefits—while also managing your investments with a disciplined, fiduciary process. As a fee-only financial advisor in the National Capital Region, our goal is to integrate every part of your financial life so you can move forward with confidence.

Yes. As a fiduciary financial advisor, we are legally and ethically required to act in your best interests at all times. Being a fiduciary means our advice must be objective, transparent, and mitigate any conflicts of interest. As a fee-only firm in the Washington Metropolitan Area, we don’t earn commissions on products—we’re paid directly by our clients so that our guidance stays focused on helping you reach your goals.

We are a fee-only financial advisor—our compensation comes directly from you, not from commissions. When you become a client, you’ll begin with a flat quarterly financial planning fee (minimum $1,750) that includes both financial planning and investment management for assets up to $750,000. After your assets under management reach or exceed that threshold, we transition to a bundled services model—a single fee based on a percentage of assets managed. As a fiduciary advisor serving the National Capital Region, our fees are transparent and designed to align with your best interests. Find out more about our fees here.

We build diversified, low-cost portfolios designed to support your long-term goals. Our approach combines active asset allocation with mostly passive investments like ETFs and mutual funds, helping balance growth opportunities with protection against short-term market swings. We emphasize risk management, tax efficiency, and regular rebalancing so your portfolio stays aligned with your financial plan. As your fiduciary advisor, we also provide education and coaching to help you stay confident and avoid emotional decisions during market ups and downs. Learn more about our investment philosophy.

No. We don’t require a minimum asset level to become a client. All new clients begin with a flat quarterly financial planning fee, which includes investment management for assets up to $750,000. Once your household assets exceed $750,000, we transition you to our bundled services model, where one fee (a percentage of assets under management) covers both planning and portfolio management. Learn more about how our fees work.

We don’t offer hourly or one-time project work. All of our financial planning engagements are ongoing because we believe your finances deserve continuous attention as your life and goals evolve. New clients start with a flat quarterly planning fee, which includes comprehensive financial planning and investment management for assets up to $750,000. As your assets grow, we transition you to our bundled services model, where one fee based on assets under management covers both planning and investment management.

Yes. We actually offer two complimentary calls. The first is a short conversation with our Managing Partner and Senior Advisor, Matt Brock, CFP®, to explore whether we may be a potential fit. You’ll then have a more in-depth call with the full team so we can learn about your goals, answer your questions, and outline how we may be able to help. Both calls are no-obligation ways to see if our services are a good match for you. Schedule your call here.

We’re based in Bethesda, Maryland, serving clients in the DC metro area and nationwide. Nearly all of our clients (99%) choose to meet with us virtually, which allows us to provide the same high-quality fiduciary financial advice no matter where you live. Whether you’re local to the DMV (D.C., Maryland, Virginia) or live in another region of the country, we’re set up to support your goals with flexible in-person and remote options.

We specialize in helping federal employees understand and maximize their Federal Employee Retirement System (FERS) benefits. That includes evaluating your pension options, coordinating them with your Thrift Savings Plan (TSP) and Social Security, and planning around survivor benefits, taxes, and retirement income needs. We also help plan for the unique issues you face as a federal employee, such as whether or not to take Medicare Part B when you have the Federal Employee Health Benefits (FEHB) program. As a fiduciary financial advisor serving the National Capital Region, we tailor your retirement strategy to help your federal benefits work seamlessly with your broader financial plan. Learn more about our planning for federal employees

We guide federal employees in making the most of their Thrift Savings Plan (TSP). That includes helping you choose the right investments, balance growth with risk, and decide between traditional and Roth contributions. We also coordinate your TSP with your FERS pension, Social Security, and other investments so your retirement strategy works as one complete plan. As a fiduciary, fee-only advisor serving the Washington Metropolitan Area, our goal is to help you invest confidently and maximize your federal benefits. Download our free ebook, “The Thrift Savings Plan (TSP): Understanding How It Works and Your Withdrawal Options.”

Yes. We help federal employees review their Federal Employee Group Life Insurance (FEGLI) coverage and compare it with private life insurance alternatives. As a fiduciary, fee-only advisor, we don’t sell insurance or earn commissions, so our recommendations are objective and based solely on your needs. Our goal is to ensure you have the proper amount and type of coverage to protect your family without overpaying.

Yes. We help federal employees evaluate whether to keep the Federal Employee Health Benefits (FEHB) program in retirement by comparing it with Medicare and other coverage options. Our analysis looks at costs, coverage, spousal benefits, and how FEHB fits with your overall retirement plan. As a fiduciary, fee-only advisor, our guidance is independent—we don’t sell insurance—so you can feel confident that recommendations are based solely on what’s best for you and your family. Check out our blog on the topic: “For Federal Employees: Do You Need to Take Medicare Part B If You Have FEHB?”