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

Tide Creek Financial Group

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United States
Elkridge, MD
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

08/14/2026

August 14 is National Financial Awareness Day. When did you last take a real look at your full financial picture? Not just your checking account, but your retirement trajectory, your insurance coverage, your estate plan? Most people avoid the review because they're not sure where to start. That's exactly why working with a trusted financial advisor matters.

08/10/2026

Law partners spend decades building a career, but what happens if the firm restructures, a merger changes everything, or you're pushed toward an exit before you're ready? Forced merger. Firm dissolution. Partner dispute. Each can affect your finances in ways a standard retirement account was never built to handle.
Have you thought through what would happen if your role changed overnight?

08/05/2026

Americans 60 and older reported more than $7.7 billion in losses to scams and fraud in 2025, a 59% increase over the year before, according to the FBI's Internet Crime Complaint Center. Investment fraud, phishing, and fake tech support topped the list.
Know the red flags above. Never send money or share account access based on an unexpected call, email, or pop-up. If something feels off, report it to IC3.gov.
https://bit.ly/4wZeTpP

07/29/2026

Most business owners have an accountant, an attorney, and a few trusted advisors in place. But having the right people on your team is only part of the equation.
Without someone who connects your tax strategy, business succession plan, and long-term financial goals into one cohesive picture, even the best team can leave critical gaps in your financial life.
Do you have someone playing that role for you?

07/23/2026

Big news at Tide Creek. You might have heard that Mike (Camm) A. Cammarata recently passed his CEPA (Certified Exit Planning Advisor) exam, making him the third advisor on our team, alongside Chris and Jules, to hold this certification.
Exit planning means building your transition out of your business with intention, not scrambling when the time comes.
Whether you are five years out or twenty, the best time to start thinking about it is now.

07/21/2026

We are halfway through the year. Have you taken a close look at your retirement savings lately? Many people assume they are on track without ever defining what that actually means. A mid-year review is a great time to define what on track actually looks like for you.

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.

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?

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.

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

http://www.tidecreek-fg.com/

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