Verified · Waldorf
Trusted Financial Advisors in Waldorf, MD
Trust matters when you're inviting a pro into your home or business. These financial advisors in Waldorf have earned it through hundreds of verified reviews.
As of June 2026, RatingsNearMe ranks 19 financial advisors in Waldorf, MD by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Steven Boyce with FitzGerald Financial Group with a 5.0-star rating from 495 Google reviews and an RNM Score of 88/100. Also in the top tier: Francis Financial Group and Harford Retirement Planners, LLC. The average rating across all listed financial advisors in Waldorf is 5 stars from 56 reviews per business on average.
Financial advisors in Waldorf typically charge 0.5–1.5% of assets under management annually, or $200–$500/hr fee-only.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Waldorf, MD is home to a variety of financial advisor services, including investment management, retirement planning, and personal finance guidance. Consumers in the area should research qualifications, services offered, and client reviews when selecting a local financial advisor.
- ✓Waldorf, MD has several reputable financial advisory firms
- ✓Services include investment management, retirement planning, and personal finance
- ✓Consumers should research advisor qualifications and client reviews
Best Overall
Harford Retirement Planners, LLC
Harford Retirement Planners, LLC stands out as a top-ranked firm in Waldorf due to its specialized focus on retirement planning and strong local reputation.
Most Reviewed
Edward Jones - Financial Advisor: Keven W Kling
A high review count often indicates a larger client base and greater community trust, which can be reassuring for new clients seeking reliable service.
When choosing a financial advisor in Waldorf, consider meeting with multiple firms to compare their specialties, fee structures, and communication styles. It's also wise to verify credentials and check for any disciplinary history through regulatory bodies.
How to Choose a Financial Advisor in Waldorf
What to look for
- • Certified Financial Planner (CFP) or Chartered Financial Analyst (CFA) certification
- • Experience working with clients in the Waldorf, MD area
- • Fee-only or fee-based compensation structure (rather than commission-based)
- • Specialization in areas like retirement planning, tax optimization, or estate planning
Questions to ask
- • What is your investment philosophy and approach to managing client portfolios?
- • How do you determine the appropriate financial products and strategies for my specific goals and risk tolerance?
- • Can you provide references from other Waldorf, MD clients you have worked with?
Red flags
- ⚠ Overly aggressive or high-pressure sales tactics
- ⚠ Lack of transparency around fees and compensation
- ⚠ Recommending complex or high-risk investment products without clear justification
In Maryland, financial advisors must be registered with the state's Securities Division and hold appropriate licenses, such as a Series 65 or Series 66 license. It's important to verify an advisor's credentials and licensing before engaging their services.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
56
Avg reviews
Jun 10, 2026
Last updated
Top Rated Financial Advisors
Trusted by hundreds of local clients, this Waldorf advisor holds a perfect 5.0-star rating.
5010 Regency Pl Suite 101, White Plains, MD 20695, USA5.0 stars from 94 reviews, reflecting exceptional client trust and satisfaction.
Accokeek, MD 20607, USAExceptional 5.0-star rating from 43 reviews in Waldorf, MD.
510 S Main St, Bel Air, MD 21014, USAFinancial Advisors Rankings in Waldorf, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Steven Boyce with FitzGerald Financial Group5010 Regency Pl Suite 101, White Plains, MD 20695, USA | 5.0★ | 495 |
| #2 | Francis Financial GroupAccokeek, MD 20607, USA | 5.0★ | 94 |
| #3 | Harford Retirement Planners, LLC510 S Main St, Bel Air, MD 21014, USA | 5.0★ | 43 |
| #4 | Innovative Wealth Building LLC23567 Oak Vw Dr Suite A, California, MD 20619, USA | 4.7★ | 12 |
| #5 | Hayes & Associates Financial Services2424 Vidalia Ct, Waldorf, MD 20601, USA | 5.0★ | 4 |
| #6 | Edward Jones - Financial Advisor: Keven W Kling204 Washington Ave Suite 100A, La Plata, MD 20646, USA | 5.0★ | 2 |
| #7 | Wealth Management Partners, LLC101 Centennial St Suite D, La Plata, MD 20646, USA | 5.0★ | 2 |
| #8 | Price Financial Group603 Post Office Rd STE 206, Waldorf, MD 20602, USA | — | — |
| #9 | Fusco Financial Associates, Inc.3825 Leonardtown Rd Suite 6, Waldorf, MD 20601, USA | — | — |
| #10 | Montgomery Financial11718 Ocean Gateway, Ocean City, MD 21842, USA | 4.9★ | 36 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Financial Advisors in Waldorf
Rated 4.7 stars from 12 Google reviews for trusted financial guidance.
23567 Oak Vw Dr Suite A, California, MD 20619, USA
Praised for exceptional service with a perfect 5.0-star rating from 4 reviews.
2424 Vidalia Ct, Waldorf, MD 20601, USA
Exceptional 5.0-star rating from 2 Google reviews for a local financial advisor.
204 Washington Ave Suite 100A, La Plata, MD 20646, USA
Exceptional 5.0-star rating from two Google reviews for a Waldorf financial advisor.
101 Centennial St Suite D, La Plata, MD 20646, USA
This financial advisor has not yet received any Google reviews.
603 Post Office Rd STE 206, Waldorf, MD 20602, USA
A financial advisor in Waldorf, MD with no customer reviews yet.
3825 Leonardtown Rd Suite 6, Waldorf, MD 20601, USA
Rated 4.9 stars from 36 reviews, this Waldorf financial advisor is highly trusted.
11718 Ocean Gateway, Ocean City, MD 21842, USA
Trusted by clients with a 4.8-star rating from over 20 reviews.
6411 Ivy Ln # 520, Greenbelt, MD 20770, USA
5.0 stars from one review shows exceptional early client satisfaction.
2670 Crain Hwy STE 100, Waldorf, MD 20601, USA
5.0-star rating from a handful of Google reviews.
107 Centennial St #102a, La Plata, MD 20646, USA
A local financial advisor in Waldorf, MD, with no customer reviews yet.
173 St Patricks Dr Suite 102, Waldorf, MD 20603, USA
This financial advisor in Waldorf, MD has no online reviews yet.
9300 Endowment Pl, La Plata, MD 20646, USA
Exceptional 5.0-star rating based on initial client feedback.
9375 Chesapeake St Suite 107, La Plata, MD 20646, USA
No reviews yet; this Waldorf financial advisor offers a fresh perspective.
3261 Old Washington Rd Suite 2020, Waldorf, MD 20602, USA
This financial advisor in Waldorf, MD has not yet received any Google reviews.
173 St Patricks Dr Suite 102, Waldorf, MD 20603, USA
5.0 stars from 19 reviews, reflecting exceptional client satisfaction in Waldorf.
3261 Old Washington Rd, Waldorf, MD 20602, USA
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Financial Advisors in Waldorf, MD — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Steven Boyce with FitzGerald Financial Group | 88/100 | 5.0 ★ | 495 |
| 2 | Francis Financial Group | 83/100 | 5.0 ★ | 94 |
| 3 | Harford Retirement Planners, LLC | 79/100 | 5.0 ★ | 43 |
| 4 | Innovative Wealth Building LLC | 67/100 | 4.7 ★ | 12 |
| 5 | Hayes & Associates Financial Services | 67/100 | 5.0 ★ | 4 |
| 6 | Edward Jones - Financial Advisor: Keven W Kling | 64/100 | 5.0 ★ | 2 |
| 7 | Wealth Management Partners, LLC | 64/100 | 5.0 ★ | 2 |
| 8 | Price Financial Group | 3/100 | — | 0 |
| 9 | Fusco Financial Associates, Inc. | 3/100 | — | 0 |
| 10 | Montgomery Financial | 76/100 | 4.9 ★ | 36 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Financial Advisors in Waldorf
What is a fiduciary financial advisor and why does it matter in Waldorf?
A fiduciary is legally required to act in your interest at all times. Non-fiduciary advisors (like some broker-dealers) only need to recommend "suitable" products, which may earn them higher commissions. Before hiring any financial advisor in Waldorf, ask directly: "Are you a fiduciary 100% of the time?" If they hesitate, keep looking.
How do I verify a financial advisor is registered and legitimate?
Use FINRA BrokerCheck (finra.org/brokercheck) to verify licenses and check for complaints or disciplinary actions. For Registered Investment Advisors, search SEC's IAPD at adviserinfo.sec.gov. CFP credentials can be verified at cfp.net/verify. These are free public tools — always check before handing over your finances.
How do financial advisors charge for their services in Waldorf?
Three main structures: (1) Fee-only — flat fee, hourly ($200–$500/hr), or a percentage of assets under management (typically 0.5–1.5% annually) with no commissions; (2) Fee-based — advisory fee plus commissions on products they sell; (3) Commission-only — free to meet, they earn commissions on products. Fee-only is the most transparent and avoids conflicts of interest.
What credentials should I look for in a financial advisor?
CFP (Certified Financial Planner) is the gold standard for comprehensive financial planning. CFA (Chartered Financial Analyst) is strongest for investment management. CPWA, ChFC, and RICP are recognized specializations. Avoid "advisor" titles without credentials — the term is unregulated. Verify any credential directly with the issuing organization.
How are the financial advisors on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every financial advisors on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 10, 2026.
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