Warner Financial is a fee-only fiduciary advisory in Bethesda. We give you informed ideas for your money — investment management, retirement, estate and tax planning, built around the life you actually want to live.
Who we are
Warner Financial, Inc. was founded on a simple premise: that honest, fee-only advice should be the baseline, not a premium upgrade. We are fee-only advisors and fiduciaries for all of our clients, meaning we must always act with the utmost good faith, and we always put our clients' best interests before our own.
We specialize in providing investment management, retirement planning, estate and tax planning for clients across Bethesda and the greater Washington, D.C. metro. No commissions. No hidden products. No conflicts dressed up as recommendations.
Every engagement starts with a written plan and a clear fee. Below are our most-requested services with indicative pricing. Most clients begin with a Comprehensive Financial Plan and move into ongoing Wealth Management.
A full written plan covering cash flow, retirement projections, insurance, estate and tax. Two meetings, a delivered PDF plan, and a 60-day implementation window.
Discretionary portfolio management built on low-cost ETFs and evidence-based allocation. Rebalanced quarterly, reported monthly, reviewed with you twice a year.
When can you retire? We model Social Security claiming strategies, Roth conversion ladders, withdrawal sequencing and healthcare bridges to give you a defensible date.
Coordination with your attorney on wills, trusts, beneficiary designations and titling. We do not draft legal documents — we make sure the ones you have actually work.
Year-round tax-aware planning: asset location, loss harvesting, charitable bunching, RSU/ISO strategy and Roth conversion timing. Coordinated with your CPA.
College cost projections, 529 plan selection, grandparent contributions and FAFSA-aware strategies. Built for Maryland residents and out-of-state schools alike.
Independent review of term life, disability, long-term care and umbrella coverage. We don't sell insurance — we tell you what you actually need and what you can drop.
Targeted advice when you don't need a full plan: a second opinion on an offer, a lump-sum decision, an inheritance, or a single thorny question. Minimum two hours.
Drag or scroll sideways. Four reasons families in Bethesda choose us — and stay with us for the long run.
Every client engagement begins with a signed fiduciary pledge. We are legally bound to put your interests first — not a "suitable" product that happens to pay us more. Fee-only means the only money we earn comes from you, the client.
We specialize in investment management, retirement planning, estate and tax planning. That focus means deeper expertise in the four areas that move the needle most — not a scattered menu of services we half-understand.
Based in Bethesda, we work with clients across the D.C. metro and remotely nationwide. We understand Maryland estate law, Montgomery County taxes, federal employee benefits and the rhythm of life inside the Beltway.
Our advisors have navigated the dot-com bust, 2008, the 2020 flash crash and the 2022 bond rout. We have been the calm voice on the phone when portfolios were bleeding. That kind of seasoning cannot be downloaded — it is earned, cycle by cycle.
A glimpse at the work — the spreadsheets, the conversations, the quiet decisions that compound for decades.
Tell us a little about where you are and where you want to be. We'll reply within one business day to schedule a complimentary 30-minute introduction — no pressure, no sales pitch, no obligation.