Tide Creek Financial Group

Tide Creek Financial Group Informed Decisions. Christopher Varlotta, CA Insurance License #4091943, domiciled in MD. Michael Havlik, CA Insurance License # 4108452, domiciled in MD.

Comprehensive financial planning, investment and insurance services for people who strive to make good financial decisions aimed at achieving their financial goals. Better Results

For individuals and business owners who want to feel confident with their finances, Tide Creek provides comprehensive financial services that empower you to make more informed decisions that lead to better results. Our

financial planning process can help to take the guesswork out of managing your finances and will show you the implications of your financial choices. We develop and implement goal-based financial plans that are personalized, and provide honest, on-going advice and coaching to keep you on track and allow you to continue to meet your goals as they evolve throughout your lifetime. We are licensed to sell insurance in: AK, AZ, CA, CO, DC, DE, FL, IA, IN, MD, MI, NC, NM, NY, PA, SC, UT, VA, WA, WV and securities in: AL, Az, CA, CO, DC, DE, FL, IN, MD, MI, NC, NJ, NM, NY, PA, SC, UT, VA, WA, WV. We are registered representatives of and offer securities and investment advisory services through MML Investors Services, LLC. Member SIPC (www.SIPC.org). Tide Creek Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies. OSJ: 11350 McCormick Road, Executive Plaza IV, Suite 200 | Hunt Valley, MD 21031 (410) 785-7654. CRN202709-6699574

For most business owners, their company is their largest asset. Yet research shows that only about one-third of owners h...
07/15/2026

For most business owners, their company is their largest asset. Yet research shows that only about one-third of owners have begun developing a written exit strategy.
(https://bit.ly/4gAOOYJ)
That is a significant gap between what people have built and what they have planned for.
Whether you are years away from stepping back or closer than you think, the time to start asking the right questions is before you need the answers.

Relationships built on trust make all the difference. We are grateful for clients like Robert, who have allowed us to be...
07/13/2026

Relationships built on trust make all the difference. We are grateful for clients like Robert, who have allowed us to be a part of their financial journey for over 20 years.

07/08/2026

The personal financial side of leaving your business can be just as important as the business side itself. The earlier you start planning, the more options you have.

What is one thing you wish you had planned earlier in your business journey?

If you are a plan sponsor and are not entirely sure what your fiduciary responsibilities are, you are not alone.Fiduciar...
06/22/2026

If you are a plan sponsor and are not entirely sure what your fiduciary responsibilities are, you are not alone.
Fiduciary responsibility is often considered one of the more complex and misunderstood aspects of administering a retirement plan. Responsibilities like investment selection and plan administration typically fall to the plan sponsor, and not every business owner has the time and resources to stay on top of it all. Many business owners recognize that a well-structured retirement plan can play a role in supporting a strong, sustainable business.

Here's a breakdown of why working with a comprehensive planning-focused advisor can matter — and why an investment-only ...
06/18/2026

Here's a breakdown of why working with a comprehensive planning-focused advisor can matter — and why an investment-only approach without integrated planning may have important gaps.

CRN202904-10911310

The deadline to submit the 2026 to 2027 FAFSA is June 30th, and it is closer than it feels.This form determines eligibil...
06/15/2026

The deadline to submit the 2026 to 2027 FAFSA is June 30th, and it is closer than it feels.
This form determines eligibility for federal grants, work-study, and loans, but it also unlocks institutional aid from many colleges and universities. Filing late or not at all can affect need-based, merit-based, and school-specific awards that use the form as part of their process.
Staying ahead of deadlines like this one can be a core part of sound financial planning for families at every stage.

For small and mid-sized businesses, a competitive retirement benefit has shifted from a nice-to-have to a baseline expec...
06/10/2026

For small and mid-sized businesses, a competitive retirement benefit has shifted from a nice-to-have to a baseline expectation.
Research consistently shows that financial security and feeling valued are among the top drivers of employee retention, often ranking above salary increases alone. Many business owners understand that a strong retirement benefit is a long-term investment in their people, not just a line item on a budget.

Building strong financial habits starts early. On National Teach Children to Save Day, we encourage families to help chi...
06/08/2026

Building strong financial habits starts early. On National Teach Children to Save Day, we encourage families to help children understand the value of saving, setting goals, and making thoughtful financial decisions.
At Tide Creek Financial Group, we believe financial literacy is a lifelong journey that begins with the lessons we pass on today.

CRN202904-10822455

Financial literacy starts with understanding your options. During National Financial Literacy Month, we’re committed to ...
06/01/2026

Financial literacy starts with understanding your options. During National Financial Literacy Month, we’re committed to helping you learn how investment advisory services work, from account management to the range of solutions available to help support your goals.
At Tide Creek Financial Group, we believe informed clients make more confident decisions. We’re here to provide transparency, guidance, and strategies tailored to your individual goals, needs and objectives.

CRN202904-10822455

Start their future fund today. On 529 Day, it’s the perfect time to open a 529 plan and begin saving for your child’s ed...
05/29/2026

Start their future fund today. On 529 Day, it’s the perfect time to open a 529 plan and begin saving for your child’s education. Small contributions now can help support education expenses over time.

CRN202904-10822455

Address

8178 Lark Brown Road; Suite 302
Elkridge, MD
21075

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+14434926563

Website

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