Five Rivers Financial Advisors, LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 30, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$150/hr

“Our hourly rate is $150 per hour, and fees are payable as services are performed.”

Flat or project fee

$300

“Clients who do not elect our portfolio management services may have their financial plans reviewed and updated either on a retainer fee basis, which is a flat rate of $300 in advance for 6 months of services, or on a consulting basis, at the above-state hourly charges.”

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

How Five Rivers Financial Advisors, LLC bills

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

• “Depending on the particular arrangement with each client, we will either invoice clients or directly debit their custodial accounts for portfolio management fees.”
• “Clients that are invoiced will pay the amount due by check.”
• “We require an advance deposit and the balance becomes due and payable upon completion of the service.”

How Five Rivers Financial Advisors, LLC’s fees compare

• Its hourly rate of $150 is below the Maryland median of $300. 2% of the 156 other Maryland planners that publish an hourly rate charge less.
• Its flat or project fee of $300 is below the Maryland median of $4,335. 1% of the 133 other Maryland planners that publish a flat or project fee charge less.

About Five Rivers Financial Advisors, LLC

• Firm size: 2 employees.
• Founded: 1997 (29 years).

Planning areas mentioned in the brochure

• Retirement planning
• Estate planning
• 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

1% a year

Clients

104

Employees

2

Works with

Individuals, high net worth individuals, and businesses

Services reported to regulators

Financial planning and portfolio management for individuals and small businesses

Assets managed

$55,285,794

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

120249

Website

fiveriversfinancial.com (opens in new tab)

Phone

(410) 287-2155

Can advise clients in 5 states: Delaware, Florida, Maryland, New Jersey, Pennsylvania

Other planners in Maryland that publish fees

• 1 North Wealth Services, LLCAnnapolis$400/hr, $3,200/yr
• Aaa Advisory LLCWalkersville$300/hr
• Accordant Advisory Group, Inc.Annapolis$500/hr
• Addax Bridge FinancialPotomac$250⁠-⁠$400/hr, $5,000⁠-⁠$6,000
• Adenry Wealth LLCColumbia$300/hr, $300
• Advocate Investing ServicesWoodbine$400/hr, $1,000⁠-⁠$10,000

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