01
Comprehensive Financial Planning
A written, multi-year plan covering cash flow, insurance, retirement, estate, and tax — delivered in a 60-page document and a 90-minute walkthrough.
From$2,500
Bethesda · MD · Est. 2014
Financial Advisor Ameriprise Financial Services, LLC
Planning for the life you actually want
Plan like you mean it.
The Practice
Kaitlyn Beans is an independent financial advisor based in Bethesda, Maryland, working with individuals, families, and small business owners across the Washington, D.C. metro area. Advice first. Products second. Always.
The Approach
Comprehensive planning, investment management, and behavioral coaching — coordinated under one roof and built around the life you're actually trying to live.
Bethesda, MD
The Practice
Advice you can actually use — not a binder that gathers dust.
Kaitlyn Beans has spent more than a decade helping people in the D.C. metro area make confident, deliberate decisions about money — through career changes, growing families, retirement transitions, and the quiet, ordinary years in between.
The practice operates under Ameriprise Financial Services, LLC, which means institutional-grade research, custody, and compliance stand behind every recommendation. But the relationship itself stays personal: every plan is written by Kaitlyn, presented by Kaitlyn, and reviewed by Kaitlyn — not handed off to a junior associate or a call center.
That matters, because the hardest part of financial planning is rarely the math. It's the behavior. The conversation that keeps you invested through a rough market. The second opinion that keeps you from selling the wrong house at the wrong time. The steady hand that turns a windfall into a foundation instead of a regret.
11+
Years advising Maryland & D.C. families
200+
Households served since 2014
CFP®
CERTIFIED FINANCIAL PLANNER™ professional
What We Do
Six disciplines. One coordinated plan.
Every engagement begins with a written plan. From there, you can implement with us, on your own, or not at all — the advice is yours either way. Indicative pricing below; final fees are quoted in writing before any work begins.
02
Investment Management
Discretionary portfolio management built on low-cost funds, tax-aware rebalancing, and quarterly reviews. Asset allocation tailored to your plan, not a model.
From0.85% / yr
03
Retirement Income Strategy
A drawdown plan that sequences Social Security, pensions, pre-tax, and after-tax accounts to minimize taxes and protect against sequence-of-returns risk.
From$1,800
04
Estate Planning Strategy
Coordination with your attorney on wills, trusts, beneficiary designations, and gifting strategies — plus a documented summary your heirs will actually understand.
From$1,500
05
Tax-Efficient Investing
Year-round tax loss harvesting, asset location, Roth conversion modeling, and charitable bunching — coordinated with your CPA to keep more of what you earn.
From$1,200 / yr
06
Education Funding & 529 Plans
College cost projections, 529 plan selection, grandparent gifting strategies, and FAFSA-aware planning for Maryland and D.C. residents.
From$600
The Philosophy
The plan that holds up is the plan you can live with.
The Principle
A financial plan is not a spreadsheet. It's a set of decisions you have to keep making through twenty or thirty years of markets, marriages, moves, and mistakes. We design for the life you'll actually live — not the one that looks tidy on a chart.
The Promise
If a recommendation won't survive a bad decade, we won't make it. Boring, durable, and built to be lived with — that's the standard.
How We Work
Four steps. No surprises.
A clear, written process means you always know what's happening, what's next, and what it costs. No mystery. No pressure. No sales theater.
Step 01
Discovery
A 60-minute conversation about where you are, where you want to go, and what's keeping you up at night. Complimentary, no obligation.
Step 02
Design
A written plan delivered in two weeks. We walk through every recommendation, every assumption, and every alternative we considered and rejected.
Step 03
Implementation
We open accounts, transfer assets, file paperwork, and coordinate with your CPA and attorney. You see every step, in writing, before it happens.
Step 04
Ongoing Review
Two scheduled reviews per year, plus ad-hoc calls whenever life happens. Markets, taxes, milestones, and surprises — we adjust the plan together.
Begin
Let's start with a conversation.
A 30-minute introductory call is always complimentary. Tell us where you are, where you want to go, and we'll tell you honestly whether we can help — and if not, who can.
Office
Bethesda, Maryland
Serving the Washington, D.C. metro area
Serving the Washington, D.C. metro area
Phone
Email
Hours
Mon–Fri, 8:30am – 5:30pm ET
Evenings by appointment
Evenings by appointment