Plans over products.
The recommendation comes first. The investment vehicle follows. Never the other way around.
Bethesda, Maryland · Since 2009
Wealth, built with intention.
Bobby Harris is an Ameriprise Financial advisor helping Bethesda families and professionals turn income into a structured, long-term plan — for retirement, education, legacy, and the quiet confidence of knowing what comes next.
Scroll
01 — Approach
A planner who treats your money like his own.
Fifteen years inside the Ameriprise framework, one office in Bethesda, and a deliberate refusal to treat planning as a transaction.
By the numbers
A focused practice, not a call center.
Bobby maintains a deliberately small client roster so every relationship gets the attention it deserves — annual reviews, mid-year check-ins, and a real human answering when markets get noisy.
15+
Years advising Bethesda families
Philosophy
Credentials
CFP® & ChFC
Certified Financial Planner™ and Chartered Financial Consultant — the two designations that actually mean something in this industry.
Who Bobby serves
Mid-career professionals, physicians, federal contractors, and small-business owners across Montgomery County.
Most clients arrive between ages 40 and 55 — peak earning years, with enough complexity to need a real plan and enough runway to make one matter. They stay because the plan gets revisited, not framed on a wall.
02 — The Method
Drag the line. See the plan.
On the left, the typical path: a household earning well, saving something, but with no structure behind the dollars. On the right, the same household eighteen months into a written plan — every account assigned a job, every dollar a timeline.
The difference isn't a hot stock tip. It's a process: consolidate, allocate, automate, revisit. Drag the handle to see what changes.
03 — Services
Six pillars of a complete plan.
Indicative pricing below. Final engagements are scoped in a complimentary first call — most clients bundle two or three of these into a single advisory relationship.
01
Comprehensive Financial Planning
A written, year-one roadmap covering cash flow, insurance, retirement projection, tax, and estate — delivered across three structured meetings.
$2,500one-time
02
Ongoing Wealth Management
Discretionary portfolio management with quarterly rebalancing, two annual reviews, and continuous monitoring of allocation against your goals.
1.0%of assets / year
03
Retirement Income Strategy
A drawdown sequence across taxable, tax-deferred, and Roth buckets — built to minimize taxes and sustain income through a 30-year horizon.
$1,800standalone
04
Tax-Efficient Investing
Asset location, loss harvesting, and Roth conversion laddering — coordinated with your CPA to reduce the lifetime tax drag on your portfolio.
$950per year
05
Estate & Legacy Planning
Beneficiary audits, trust structure review, and gifting strategy — in partnership with your estate attorney to keep intentions intact across generations.
$1,200per engagement
06
Education Funding Strategy
529 plan design, grandparent gifting coordination, and FAFSA-aware funding paths for Maryland, Virginia, and D.C. families.
$650standalone
04 — Why Bobby
94%
Of Bobby's clients have stayed with the practice for five or more years — retention that reflects a relationship, not a sales cycle.
Fiduciary standard, always.
Advice must be in your best interest — not a suitability threshold. That is the only standard Bobby practices under.
A planner who picks up the phone.
No call centers, no rotating associates. When you call the Bethesda office, you reach Bobby or his associate directly.
Plans that get revisited, not framed.
A plan written once is a document. A plan revisited twice a year, against real markets and real life, is the actual work.
Bethesda-rooted, D.C.-fluent.
From federal benefits to RSU vesting calendars at local biotech firms, Bobby knows the compensation structures common to this market.
05 — Process
Four meetings. One clear plan.
A structured first year that turns scattered finances into a written, living plan — and a cadence that keeps it that way.
Step 01
Discovery
A 60-minute complimentary call. We listen — to your goals, your concerns, the numbers that keep you up at night. No pitch.
Step 02
Analysis
We gather statements, policies, and benefit docs. Bobby builds a baseline: net worth, cash flow, risk exposure, and a retirement projection.
Step 03
Recommendations
A written plan delivered in person. Every recommendation has a rationale, a timeline, and a dollar figure attached. You decide what to act on.
Step 04
Implementation & Review
We execute, then meet twice a year — more if markets or life demand it. The plan is a living document, not a one-time deliverable.
06 — Contact
Let's build your plan.
The first conversation is always complimentary, and always with Bobby directly. Tell us a little about where you are and where you'd like to be — we'll be in touch within one business day to schedule a 60-minute call.