Pinion Financial Services LLC is an independent, fee-only financial planner in Bethesda, Maryland. We build retirement, tax, and investment strategies the way a watchmaker builds a movement — every gear set with intent, every decision measured against your long horizon.
Pinion Financial was founded on a simple conviction: that financial decisions compound, and small misalignments early in life become large regrets later. We work with households, professionals, and small business owners across the Bethesda metro who want a fiduciary in their corner — not a salesperson.
Assets under advisement across households and small businesses in the D.C. metro corridor.
We do not earn commissions on insurance, annuities, or investment products. Our only revenue is the fee you pay us directly — which means our advice is shaped by your outcome, not a product shelf.
A plan is only worth the discipline behind it. We tune the gears — you keep the time.— Margaret Holloway, CFP® · Founder
Every engagement begins with a full financial diagnostic. From there, we deploy the specific disciplines your situation demands — priced transparently so you always know the cost of advice before you commit.
A full-scope plan covering cash flow, retirement projections, insurance gaps, education funding, and estate coordination. Delivered as a written document with a 90-minute review and one revision cycle.
Discretionary portfolio management built on low-cost index and factor-tilted strategies, tax-loss harvested quarterly and rebalanced to your target drift band. Includes quarterly performance reporting.
A distribution plan for the five years before and ten years after retirement — Social Security optimization, Roth conversion ladders, and a withdrawal sequencing model built to survive sequence-of-returns risk.
Year-round tax planning in coordination with your CPA — charitable bunching, QBI optimization, asset location, and RSU/ISO exercise timing. We do not prepare returns; we make sure the returns you file are the right ones.
Working alongside your estate attorney, we model beneficiary flows, trust funding, gifting strategies, and Roth IRA legacy planning — then translate the legal documents into a coordinated asset titling map.
For do-it-yourself investors who want a fiduciary gut-check on a specific decision — a lump-sum allocation, a job change, an inheritance, an early-retirement offer. Billed in 60-minute increments, no retainer required.
Our engagement follows a deliberate sequence — discovery, diagnosis, design, and calibration. Most clients move from first call to a delivered written plan within four to six weeks.
A 60-minute conversation about your goals, family, obligations, and the things that keep you up at night. No pitch, no product — just listening.
We gather statements, tax returns, and benefit documents, then run a full diagnostic — cash flow, net worth, retirement projection, and insurance gap analysis.
A written plan with specific recommendations across investments, tax, retirement, and estate. We walk through it together and revise once before finalizing.
Annual reviews and ongoing access. Life changes — jobs, marriages, inheritances, markets — and your plan changes with it, on a rhythm that fits your life.
Schedule a no-cost, no-obligation introductory call. We'll discuss where you are, where you want to be, and whether Pinion Financial is the right fit for the work ahead. Most calls run about 30 minutes.