Financial Consulate fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed February 1, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$200/hr

“Simple IRA plans, 403(b) plans, 401(k) plans (not I401(k)), and others. o Corporate Seminars: $200/hour. o General & Customized Services: $200/hour, or as quoted. o For engagements that fall outside of our normal scope or provided to non-traditional clients, management alone may elect to offer a customized…”

Flat or project fee

$5,000

“SERVICES o Financial Physical®: $5,000 Clients who engage the Financial Consulate for Financial Management, Supervision, or a combination thereof will receive a billing credit towards those services in the amount of the financial planning fee paid.”

Quarterly fee

$2,500/qtr

“If a client’s quarterly fee, as calculated with the above schedules, generates less than $2,500 per quarter in management fees, they will be charged an additional fee (equal to the difference of their calculated fee and $2,500) in order to meet the minimum and will be allocated pro-rata from their accounts and…”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Financial Consulate bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Based on complexity, billed hourly at the rate of the accountant or team member doing the work.”
• “This fee is negotiable on a client-to-client basis.”
• “New financial management clients are billed for the time remaining in the initial quarter at the beginning of the next quarter.”

How Financial Consulate’s fees compare

• Its hourly rate of $200 is below the Maryland median of $300. 13% of the 156 other Maryland planners that publish an hourly rate charge less.
• None of the 4 other planners in Hunt Valley that publish an hourly rate charge less.
• Its flat or project fee of $5,000 is above the Maryland median of $4,335. 53% of the 133 other Maryland planners that publish a flat or project fee charge less.
• None of the 4 other planners in Hunt Valley that publish a flat or project fee charge less.

About Financial Consulate

• Firm size: 25 employees.
• Registered as an adviser: 1983 (43 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• College planning
• Business owners
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

0.2% a year

Clients

844

Employees

25

Works with

Individuals, high net worth individuals, and pension and profit sharing plans

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, portfolio management for businesses and institutions, pension consulting, selecting other advisers, newsletters and publications, educational seminars and workshops, and other services

Assets managed

$1,095,865,304

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

106898

Website

facebook.com/financialconsulate (opens in new tab)

Phone

(410) 823-7283

Can advise clients in 12 states: California, District of Columbia, Delaware, Florida, Maryland, North Carolina, New Hampshire, New York, Pennsylvania, South Carolina, Texas, Virginia

Other planners in Hunt Valley that publish fees

• Bay Harbor Wealth Management, LLCHunt Valley$500/hr, $500⁠-⁠$10,000
• Cornerstone AdvisoryHunt Valley$250/hr, $2,500⁠-⁠$10,000
• Opulentia, LLCHunt Valley$450/hr, $3,000⁠-⁠$15,000
• Perspective Wealth ManagementHunt Valley$300/qtr
• Verdence Capital Advisors, LLCHunt Valley$250⁠-⁠$500/hr, $5,000⁠-⁠$100,000

Compare all 7 planners in Hunt Valley