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Best Financial Advisors in Germantown, MD

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Germantown Financial Advisors on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

28Reviewed

20Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

67 Forest St, Suite 271, Germantown, MD 01752
WebsiteLicense: 5813774

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Financial planning can be challenging; Cedar Hill Financial Group simplifies things. Their first priority is always acting in their client's best interest. That means providing personalized, comprehensive financial advice, along with data driven portfolios. Whether it is planning for retirement, saving for college, or getting a comprehensive financial plan in place, they can help. With over a decade of industry experience, they are committed to helping clients pursue their financial goals. Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC.

  • Estate Planning
  • Tax Planning
  • Investment Management
  • Certified Financial Planner (CFP)
  • Retirement Planning
SmartAdvisor by SmartAsset logo

SmartAdvisor by SmartAssetExpertise.com

Germantown, MD
Free Consultation

Expertise.com Rating

Why choose this provider?

SmartAsset's free, five-minute tool makes it easy to find qualified financial advisors in your area. The exclusive tool uses a quick survey to help SmartAsset's exclusive algorithm match you with up to three advisors based on your specific financial needs. Each advisor is a fiduciary, legally bound to work in your best interest, and rigorously vetted by SmartAsset. You can speak with each for free, sometimes within a matter of minutes, and choose whom you want to work with. Hundreds of thousands of smart investors and retirees have already used SmartAsset's simple, no-cost service to find the right financial advisors for them.

  • Estate Planning
  • Financial Planning
  • Retirement Planning
  • Investment Management

9841 Washingtonian Blvd, #200, Gaithersburg, MD 20878

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Google
5.0 (7)

Why choose this provider?

Sherman Wealth Management is a fiduciary financial planning and wealth management firm that assists clients in Washington, D.C., and nearby cities like Germantown. It aims to make financial literacy and education accessible to its clients, regardless of their varying investable assets. Founder and president Brad Sherman helps individuals simplify and optimize their financial life by helping them tackle items such as their employee benefits, estate planning, cash flows, and debts. He also handles investment consulting, performance reporting, and benchmarking services for small businesses.

  • Financial Planning

481 North Frederick Avenue Ste 412, Gaithersburg, MD 20877

Expertise.com Rating

Why choose this provider?

Jeet Financial Services is a full-service firm that serves clients in the Germantown area. Its team of professionals offers a variety of services for individuals, such as personal financial planning, elder care, and estate planning. The company’s personal financial planning option includes preparing for a child’s college education, emergency funds in case of disability, and retirement. In addition, it handles business services like accounting and bookkeeping, cash flow management, and succession planning. Jeet Financial Services has staff members who are fluent in Spanish.

  • Finance Planning
  • Certified Financial Planner (CFP)

1101 Wootton Parkway Suite 980, Rockville, MD 20852

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

CIC Wealth is a financial advisory firm serving Germantown. Its core service is financial planning customized to its clients’ needs. It includes recommending investment options to help them achieve their financial goals and creating a personalized portfolio that includes bonds, cash, exchange-traded funds, stocks, or other securities. It can be accessed via a web portal in partnership with Charles Schwab & Co. Its advisors have written articles on stocks and finance in Forbes Magazine and The Wall Street Journal.

  • Wealth Management

One Church Street, Suite 901, Rockville, MD 20850

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Financial Services Advisory has been helping clients in Germantown manage their monetary assets for over three decades. It caters to families, individuals, and business owners, providing an individualized investing approach to protect their financial future. The firm offers financial and retirement planning, service and reporting, and investment management services. As a Certified Financial Planner, its president, James Joseph, educates clients on their best options and helps them plan for their retirement needs. Joseph is also a member of the Financial Planning Association.

  • Finance Planning

1 Bank Street Suite 200, Gaithersburg, MD 20878

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Arnold Financial Services, LLC, helps clients in Germantown succeed in their financial undertakings through its independent and fiduciary services. With a focus on developing retirement strategies, it walks individuals through investment, insurance, estate conservation, and wealth preservation solutions. Its advisors also help create financial plans for cash management and business succession. Owner David Arnold is a Certifed Financial Planner who focuses his practice on asset management and financial insurance. Each year, his company gives five percent of its income to charitable causes.

  • Estate Planning
  • Certified Financial Planner (CFP)
  • Retirement Planning

20251 Century Boulevard Suite 350, Germantown, MD 20874

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Potomac Financial Consultants serves families and women investors in the Germantown area. It provides personalized financial planning solutions that are based on the need of each client and take long-term decisions into consideration. The firm offers ongoing guidance that evaluates the current situations of clients. It serves women of diverse lifestyle backgrounds. Additionally, it assists with retirement planning, covering health care costs, Social Security benefits, assets, and savings. Potomac Financial Consultants is headed by Michelle Bender, a Certified Financial Planner with 20 years of experience.

  • Financial Planning

Compare our Top Financial Advisors

NameExpertise RatingAddressPromotionsLearn more
Cedar Hill Financial Group, LLC
67 Forest St, Suite 271, Germantown, MD 01752Complimentary Consultation
SmartAdvisor by SmartAsset
Germantown, MDFree Consultation
Sherman Wealth Management
9841 Washingtonian Blvd, #200, Gaithersburg, MD 20878
Jeet Financial Services
481 North Frederick Avenue Ste 412, Gaithersburg, MD 20877
CIC Wealth
1101 Wootton Parkway Suite 980, Rockville, MD 20852
Financial Services Advisory
One Church Street, Suite 901, Rockville, MD 20850
Arnold Financial Services, LLC
1 Bank Street Suite 200, Gaithersburg, MD 20878
Potomac Financial Consultants
20251 Century Boulevard Suite 350, Germantown, MD 20874

FAQs

  • Introduction

    There are many titles for financial professionals, so it's challenging to track what each one means. A financial advisor is probably the term you've heard most often. Financial advisor is a broad term for a professional who helps individuals or companies manage their finances, including investment choices. There are over 100 certifications that financial advisors can obtain.

    • Financial planners, wealth managers, and investment advisors are all financial advisors with different focus areas.
    • A financial planner helps an individual or a company make a plan to achieve long-term financial goals.
    • A wealth manager helps individuals maintain their wealth through various disciplines and services, such as taxes, estate planning, and investment advice.
    • An investment advisor offers investment advice and recommendations to individuals or organizations.
    There’s a misconception that you have to be extremely wealthy to use a financial advisor. In reality, they can be beneficial for people from any income level. Keep reading to find answers to the most commonly asked questions about financial advisors, so you know which type can fit your specific needs.

  • What are the different kinds of 401k rollovers in Germantown?

    In Germantown, you can choose from three 401K rollover options. Firstly, you can transfer your old 401K to a new employer's plan, which is advantageous if you prefer consolidation and your new employer supports low-cost rollovers. Alternatively, you can move your 401K funds to a traditional IRA, maintaining tax deferral and accessing a wider range of investments with potential fee reduction. The third alternative is shifting your 401K funds to a Roth IRA, which provides tax deferral and expanded investment options.

  • How do tax deductions and tax credits in Germantown differ from each other?

    A tax deduction in Germantown is an amount that the government allows you to subtract from your taxable income, lowering your overall tax liability. Deductions typically apply when itemizing expenses rather than taking the standard deduction. Deductions essentially give you a break on the taxes you have to pay. In contrast, a tax credit directly decreases the amount of tax owed. Tax credits are better than deductions as they consistently reduce your tax bill, although they can be more challenging to claim.

  • What facts should be taken into account when buying I Bonds in Germantown?

    There are several things to consider when buying I Bonds in Germantown. I Bonds offer lower liquidity than other investments, and the maximum annual purchase limit is $15,000 per person. Holding I Bonds within a TreasuryDirect account is also essential. Remember, accessing I Bonds funds requires a minimum one-year holding period. Early withdrawal within five years results in a three-month interest penalty, while complete redemption is available after five years. The unpredictability of future interest rates impacts I Bonds' long-term performance.

  • What are the potential benefits of investing in I Bonds in Germantown?

    Investing in I Bonds in Germantown offers several benefits. First, their robust security is attributed to their endorsement by the U.S. Treasury, effectively minimizing the risk of default. There are also tax advantages associated with I Bonds, as their interest is exempt from state and local taxes. Moreover, I Bonds boast a high-interest rate, providing returns that surpass those of low-risk investments in the short term. Lastly, I Bonds protect your money from inflation.

  • What questions should you ask a Germantown financial advisor before partnering with him/her?

    Some questions to ask your Germantown financial advisor include:

    • Is there a minimum asset requirement to work with you? Clear fee structures ensure transparency.
    • Are you a CFP professional? CFPs prioritize your best interests.
    • Do you have experience? Working with advisors with ample experience in finance would be the advantageous.
    • What does your advice cover? A financial advisor should guide you on multiple aspects of your finances.
    • Are there any undisclosed fees and additional charges? Be aware of all fees involved in the relationship.
  • Are financial advisors worth it?

    Whether or not a financial advisor is worth it depends on your personal situation. If your finances are fairly straightforward, then you may be better off handling it on your own. But if you have substantial assets or a complex investment portfolio, then hiring someone to handle it for you can be well worth the cost.