Atlantic Financial Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
Atlantic Financial Planning provides fee-only financial planning and investment advisory services to individual and family clients, addressing retirement planning, Social Security claiming strategies, asset allocation, tax and estate considerations, and related financial issues. The firm operates on an hourly engagement model, provides fee estimates and engagement agreements up front, and requires clients to pay fees directly rather than by deduction from client accounts.
The adviser uses a goal- and risk-based process to recommend target asset allocations and favors a long-term, buy-and-hold approach implemented primarily with index funds and ETFs, with suggested rebalancing typically every 12–18 months. The firm does not exercise discretionary trading authority, does not execute or aggregate trades on clients’ behalf, and does not take custody of client assets.
Compared with many investment managers, the firm’s hourly billing and explicit absence of percentage-of-assets-under-management or performance fees are notable departures from common practice in the category. The adviser is a CFP® professional, adheres to NAPFA and fiduciary best-practice standards, does not accept commissions or third‑party referral fees, and limits personal trading to large, publicly traded pooled vehicles and U.S. Treasuries.
Client services
Financial planning
Expertise
Retirement income strategy
Social Security optimization
Debt management
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
$280 per hour
Fee-only: $280 per hour
Main office location
Atlantic Financial Planning LLC
1997 Annapolis Exchange Parkway, Suite 300
Annapolis MD 21401, United States
Number of offices
1
Most active in
Atlantic Financial Planning LLC has reported serving >5 clients in these states in the last 12 months.
District of Columbia · Maryland
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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