For over two decades, Todd has helped households across Montgomery County translate complicated financial lives into clear, defensible plans — one decision at a time.
As a financial advisor with Ameriprise Financial Services, LLC, Todd works with a deliberately focused client base — physicians at Suburban Hospital, federal employees transitioning out of service, founders exiting closely-held businesses, and couples approaching the decade before retirement. The practice is built on long relationships, not volume.
Each engagement begins with a written financial plan, not a product pitch. Todd examines cash flow, tax exposure, employer benefits, insurance gaps, and estate documents before any investment is recommended. The goal is a plan you could hand to your spouse, your attorney, and your future self — and have each of them understand it.
Todd holds the CERTIFIED FINANCIAL PLANNER™ certification and is a Chartered Retirement Planning Counselor®. He serves clients in person from the Bethesda office and virtually across Maryland, D.C., and Northern Virginia.
A written plan covering retirement projections, cash flow, debt strategy, insurance review, and estate document audit. Delivered in a bound PDF and reviewed live across three working sessions.
Discretionary investment management of brokerage, IRA, and trust accounts on the Ameriprise platform, with quarterly rebalancing, tax-loss harvesting, and two scheduled reviews per year.
A withdrawal architecture for clients within five years of retirement — Social Security timing, pension elections, Roth conversion ladders, and a sustainable distribution rate stress-tested across market cycles.
Coordination of former employer plans — 401(k), 403(b), TSP, and pension — into a single IRA structure, with attention to creditor protection, beneficiary continuity, and required minimum distribution timing.
Collaboration with your attorney to align beneficiary designations, trust funding, and gifting strategy with Maryland and federal estate tax exposure. Includes a beneficiary audit across all accounts.
529 plan design for Maryland and D.C. residents, including the Maryland $2,500 state deduction per beneficiary, grandparent-owned structures, and FAFSA-aware funding sequences.
Succession planning for closely-held businesses — valuation framing, key-person insurance, installment sale vs. ESOP analysis, and post-liquidity portfolio construction for the selling owner.
Fees are indicative for new client engagements in 2025. Investment advisory services are offered through Ameriprise Financial Services, LLC, Member FINRA/SIPC. A written advisory agreement will precede any engagement.
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A 60-minute conversation — no documents required. We map your household, your goals, the people who depend on you, and the decisions keeping you up at night. No products are discussed.
We collect statements, tax returns, benefit elections, and estate documents. Within two weeks you receive a written plan identifying three to five priority decisions, ranked by impact.
We execute the agreed sequence — account openings, rollovers, beneficiary updates, insurance applications, and Roth conversions — with our team handling the paperwork end to end.
Two scheduled reviews each year, plus ad-hoc access for life events — a job change, an inheritance, a parent's declining health, a child's college decision. The plan is a living document.
Of clients who engaged Todd in the last decade still work with the practice today.
Long enough to plan across a full market cycle — and watch the plan survive it.
A focused book, by design. Todd accepts a limited number of new clients each year.
Scheduled, on the calendar, with an agenda sent in advance. Plus ad-hoc access.
Todd is the first advisor who ever showed me the math behind his recommendation — and then handed me the spreadsheet. That is the moment I stopped worrying about retirement.
Todd accepts a limited number of new households each year. The first 30-minute consult is complimentary, by phone or video, with no obligation. Bring one decision you're wrestling with.
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