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Financial Planners in Frederick, MD: 2026 rankings

71 financial planners ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Frederick: Adams Insurance Agency - A Relation Company, RFA Score 78/100; 4.9★ from 306 Google reviews.

  2. 8

    Most-reviewed: Abich Financial Services, 243 Google reviews at 4.7★, the most of 71 ranked after Adams Insurance Agency - A Relation Company; ranked #8.

Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank

71 Frederick financial planners are ranked here by RFA Score, from eight published factors. 12 open Saturdays and 2 open Sundays, based on posted hours. The median Google rating is 4.9★ across 71 rated firms.

Top 10 financial planners in Frederick at a glance

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Top 10 financial planners in Frederick at a glance
RankBusinessRFA ScoreGoogle ratingBased inNotable for
1Adams Insurance Agency - A Relation Company784.9★ (306)FrederickTop score
2Monocacy CPAs and Advisors754.8★ (114)Frederick—
3Turning Point Financial744.9★ (73)Frederick—
4Veridian Capital Partners735.0★ (54)Frederick—
5Norberg Wealth Management725.0★ (39)Frederick—
6J Allen & Associates704.7★ (32)Frederick—
7Lincoln Tax Professionals705.0★ (24)Frederick—
8Abich Financial Services704.7★ (243)Ashburn, 25 mi awayMost reviews
9Frederick Insurance Agency, a Division of Malhotra Insurance694.9★ (62)Green Valley, 14 mi away—
10Frederick Financial Planners, Inc.685.0★ (13)Frederick—

All 71 financial planners in Frederick, in rank order

Ordered by RFA Score, a 0–100 score from eight published factors. Paid placement never changes the order.

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Scores below: based on 6 of 8 factors; registration and recency not yet collected. Hatched segments mark factors we don't have yet.

  3. #3 Turning Point Financial

    Based in Frederick

    74/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 4.9★ from 73 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 73 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    153 W Patrick St, Frederick, MD 21701
    View profile for Turning Point Financial(301) 846-9336

  6. #6 J Allen & Associates

    Based in Frederick

    70/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.7★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 32 Google reviews
    Hours
    Mon–Tue 9 AM–2 PM · Wed closed · Thu 9 AM–2 PM · Fri–Sun closed
    Address
    801 Toll House Ave Ste A2, Frederick, MD 21701
    View profile for J Allen & Associates(301) 524-6335

  8. #8 Abich Financial Services

    Based in Ashburn, 25 mi away

    70/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 4.7★ from 243 Google reviews, listed on Google as “Financial planner”.

    • 4.7★ from 243 Google reviews
    Hours
    Mon–Fri 9:30 AM–5:30 PM · Sat–Sun closed
    Address
    20135 Lakeview Center Plaza Ste 110, Ashburn, VA 20147
    View profile for Abich Financial Services(571) 577-9968

  18. #18 MAI Capital Management

    Based in Gaithersburg, 22 mi away

    65/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 5.0★ from 29 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 29 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    18 E Diamond Ave, Gaithersburg, MD 20877
    View profile for MAI Capital Management(301) 217-9300

  19. #19 Legacy Capital Planners

    Based in Germantown, 18 mi away

    65/100RFA Score

    Ranked #19 because of its Google rating and specialty focus: 4.8★ from 23 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 23 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–3 PM · Sat–Sun closed
    Address
    20251 Century Blvd #425, Germantown, MD 20874
    View profile for Legacy Capital Planners(240) 395-1060

  21. #21 Bankers Life

    Based in Frederick

    65/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 4.2★ from 5 Google reviews, listed on Google as “Financial planner”.

    • 4.2★ from 5 Google reviews
    Hours
    Mon 8:30 AM–5 PM · Tue–Wed closed · Thu 8:30 AM–5 PM · Fri–Sun closed
    Address
    321 Ballenger Center Dr Ste 225, Frederick, MD 21703
    View profile for Bankers Life(301) 739-8590

  24. #24 Bankers Life

    Based in Hagerstown, 22 mi away

    64/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 4.6★ from 33 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 33 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1101 Opal Ct Ste 302, Hagerstown, MD 21740
    View profile for Bankers Life(301) 739-8590

Financial planners ranked #26 to #50

#1 to #25 are shown in full above. Here are #26 to #50, in RFA Score order; each links to its profile. We publish the top 50 of 71 ranked financial planners here; the rest are on their profiles.

financial planners in Frederick, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Puckett Financial Group - LPL Financial Advisors635.0★ (24)25 mi
27Bank of America (with Drive-thru ATM)632.7★ (100)In Frederick
28Glass Jacobson Wealth Advisors634.7★ (26)24 mi
29Plan2Retire635.0★ (12)19 mi
30Aaron Kirkland - Edelman Financial Engines624.8★ (19)24 mi
31Bank of America (with Drive-thru ATM)623.6★ (111)22 mi
32Bankers Life623.9★ (28)21 mi
33Carson Wealth625.0★ (13)23 mi
34ACE Rehoboth Consortium (ARC) (Financial Services Div)625.0★ (7)17 mi
35Blue Ocean Global Wealth625.0★ (13)24 mi
36Bank of America (with Drive-thru ATM)613.5★ (66)23 mi
37Comprehensive Insurance Services LLC615.0★ (11)25 mi
38Mission:Advice605.0★ (8)22 mi
39Bank of America (with Drive-thru ATM)603.1★ (104)18 mi
40Apollon Bridgemark604.1★ (18)24 mi
41United Bank603.6★ (19)21 mi
42First United Bank and Trust604.5★ (11)24 mi
43Bank of America (with Drive-thru ATM)603.0★ (55)17 mi
44Bestgate Wealth Advisors, LLC605.0★ (24)In Frederick
45Draper & Mcginley, PA604.5★ (8)23 mi
46Velnoskey Wealth Advisors of Janney Montgomery Scott605.0★ (8)25 mi
47Sherman Wealth Management605.0★ (7)24 mi
48Bank of America (with Drive-thru ATM)592.9★ (32)20 mi
49Aquino Financial Group, LLC595.0★ (6)25 mi
50OnPlane Financial Advisors LLC595.0★ (4)22 mi

Also serving Frederick

20 more financial planners within 25 mi that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked financial planners serving Frederick
BusinessGoogle ratingDistance
Cooley & Associates, PC3.0★ (2)In Frederick
D Souza Financial Strategies5.0★ (1)In Frederick
Divorce Financial Solutions, Inc5.0★ (4)In Frederick
Edward Jones - Financial Advisor: Jenifer L Sutton5.0★ (1)In Frederick
Edward Jones - Financial Advisor: Rebecca Cathcart5.0★ (2)In Frederick
Edward Jones - Financial Advisor: Susan E Edmiston, AAMS®5.0★ (2)In Frederick
Family Heritage Trust Co3.0★ (2)In Frederick
First Command5.0★ (1)In Frederick
JLJ Financial - Jennifer L. Johnson, CFP, ChFEBC5.0★ (2)In Frederick
Joseph Cassella: Primerica - Financial Services5.0★ (29)In Frederick
Katz Metzner Financial LLC5.0★ (2)In Frederick
Kramer Wealth Managers5.0★ (2)In Frederick
Legacy Financial Associates5.0★ (2)In Frederick
Merrill Lynch Private Wealth Advisor William F Orr5.0★ (1)In Frederick
Merrill Lynch Wealth Management5.0★ (1)In Frederick
Moore Wealth5.0★ (2)In Frederick
Morgan Stanley Financial Advisors5.0★ (2)In Frederick
Sean Murphy - RBC Wealth Management Branch Director5.0★ (1)In Frederick
Stifel5.0★ (2)In Frederick
Taylor Gina L5.0★ (2)In Frederick

How we ranked Frederick financial planners

We scored 71 Frederick financial planners on eight factors, weighted as shown. A firm is ranked when its specialty is confirmed and it has 3 or more Google reviews or a claimed profile. A firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.

Paid placement never changes a rank or score. Sponsored businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.

Read the full method: formula, sources and exclusions

RFA Score factors and weights
FactorWeightComputed fromIn Frederick data
Reputation30%Google star rating, adjusted for how many reviews back it (client experience, not investment results)Measured
Registration20%Active SEC, state or Canadian securities registration matched in public records (not yet measured)Not yet collected
Review volume10%Number of Google reviews, compared with the most-reviewed firm on the listMeasured
Recency5%Share of reviews from the last 12 monthsNot yet collected
Specialty focus15%How clearly the firm offers this specialty (its Google category and name)Measured
Proximity5%Based in the city scores highest, less the farther away it isMeasured
Claimed profile10%The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same)Measured
Partnered5%The firm links to Ranked Financial Advisors from its own website with our badge, checked periodicallyMeasured

How to choose a financial planner

  1. Confirm the financial planner and the firm are registered: Investor.gov and FINRA BrokerCheck in the US, the CSA National Registration Search in Canada. Read any disclosure events.
  2. Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
  3. Ask how they are paid: a percentage of assets, flat or hourly fees, a retainer, commissions, or a mix. Each creates different conflicts of interest.
  4. Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
  5. Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
  6. Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
  7. Compare at least two or three firms, and be wary of anyone who promises returns or pushes you to decide quickly.

Questions to ask a financial planner

  • Are you a fiduciary for all of the advice you give me, and will you put that in writing?
  • How are you paid, in total dollars per year for an account like mine? Do you earn commissions or other payments from product providers?
  • Which registrations and designations do you hold, and where can I verify them?
  • Who will hold my assets, and how will I see statements directly from that custodian?
  • What services are included in your fee, and what would cost extra with you as my financial planner?
  • Do you have a minimum account size or minimum fee?
  • Have you or your firm had any complaints or disciplinary actions? Where would I see them?
  • How often will we meet, and who will I work with day to day?
  • What happens to my plan or accounts if you retire or leave the firm?

Terms explained

Fiduciary
Someone legally required to act in a client’s interest. In the US, registered investment advisers owe their clients a fiduciary duty of care and loyalty under the Investment Advisers Act of 1940.
Registered investment adviser (RIA)
A firm registered with the SEC or a state securities regulator to give investment advice for pay. Most firms managing $100 million or more register with the SEC; smaller firms usually register with their state.
Investment adviser representative (IAR)
A person who gives advice on behalf of a registered investment adviser, usually registered with the states where they work.
Broker-dealer
A firm that buys and sells securities for customers. US broker-dealers are members of FINRA; their registered representatives typically earn commissions.
Regulation Best Interest (Reg BI)
The SEC rule, in force since June 30, 2020, requiring broker-dealers to act in a retail customer’s best interest when recommending a security or account type.
Form ADV
The registration form every investment adviser files. Part 1 holds facts about the firm; Part 2A, the brochure, describes services, fees, conflicts of interest and disciplinary history in plain English.
Form CRS
A short relationship summary that advisers and broker-dealers give retail investors, covering services, fees, conflicts, standard of conduct and disciplinary history.
CRD number
The Central Registration Depository number FINRA and the SEC assign to each firm and registered person; use it to look them up on Investor.gov or BrokerCheck.
Assets under management (AUM) fee
A yearly fee set as a percentage of the money an advisor manages for you. Advisor surveys have put the median around 1% on accounts up to $1 million, lower on larger accounts.
Fee-only
An advisor paid only by clients, with no commissions or other payments from product providers.
Fee-based
An advisor who charges client fees and may also earn commissions on some products. It is not the same as fee-only.
CFP® professional
A person certified by the CFP Board after meeting education, exam, experience and ethics requirements. The CFP Board requires them to act as a fiduciary when giving financial advice.

Financial planners in Frederick: frequently asked questions

Which financial planner has the highest RFA Score in Frederick?

By RFA Score, the highest-ranked financial planner in Frederick, MD is Adams Insurance Agency - A Relation Company with an RFA Score of 78/100. It has 4.9★ from 306 Google reviews. Monocacy CPAs and Advisors (#2) and Turning Point Financial (#3) follow. We ranked 71 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Frederick?

RankedFinancialAdvisors ranks 71 financial planners serving Frederick, MD. 19 of them are based in Frederick; the rest serve it from nearby towns. Another 20 within 25 mi are listed but not ranked yet. Counts are as of November 2026.

Which financial planners in Frederick work on weekends?

12 of 71 ranked financial planners post Saturday hours and 2 post Sunday hours. The highest-ranked open Saturdays are Capital Fiduciary Advisors, LLC (#13), First United Bank and Trust (#15) and First United Bank and Trust (#17). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Frederick financial planners have?

The median Google rating among 71 rated financial planners in Frederick is 4.9★, with a median of 13 reviews. Adams Insurance Agency - A Relation Company has the most, 306 reviews, and ranks #1. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank financial planners?

Each financial planner gets a 0–100 RFA Score from eight published factors, led by reputation (30%), specialty focus (15%), review volume (10%) and claimed profile (10%). A firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only firms with a confirmed specialty and 3 or more reviews, or a claimed profile, are ranked.

Do financial planners outside Frederick count in this ranking?

Yes, if they are within 25 mi of the Frederick city center, our service radius for financial planners. Each listing shows where the firm is based and how far away it is. Proximity is 5% of the RFA Score, so a nearby firm gets a small edge.

Can financial planners pay to rank higher on RankedFinancialAdvisors?

No. The RFA Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured firms may appear above the list, labelled Sponsored and showing their honest rank.

What does a financial planner do?

Financial planners build a written plan across a client’s goals: cash flow, savings, investments, insurance needs, taxes, retirement and estate. Many charge a flat or hourly fee for the plan, an ongoing retainer, or a share of the assets they manage.

How are financial planners in Frederick ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers financial planning and how close it is. Paid placements never change the order, and the score does not measure investment performance.

How do I check a financial planner’s registration and record?

Search the person and the firm on Investor.gov (the SEC’s adviser search) and on FINRA BrokerCheck. A firm’s Form ADV and any disciplinary history are public there.

Is every financial planner in Frederick a fiduciary?

Not necessarily. Investment adviser representatives owe a fiduciary duty on advisory accounts; broker-dealer representatives follow Regulation Best Interest when they recommend a security. Ask which applies to your account and read the firm’s Form CRS.

How much do financial planners charge?

Fees depend on the firm and the service: a percentage of assets managed each year, a flat or hourly planning fee, a retainer, or commissions. Ask for the fee schedule in writing and read the firm’s Form ADV Part 2A brochure or, in Canada, its relationship disclosure.

Update log for Frederick

  1. November 2026: RFA Scores recalculated for 71 financial planners serving Frederick.

More financial planners and Frederick pages