Consulate Wealth

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Consulate Wealth We are a fiduciary fee-only financial planning firm dedicated to acting in our clients' best interests at all times. What makes us different?

For over 40 years, Consulate Wealth has served pre-retirees and retirees who have built $1M+ in assets and want one simple thing: peace of mind that they're not making costly mistakes. Unlike most advisors who just coordinate with your CPA, we ARE your CPA. Nearly half our advisors are CPAs, backed by a dedicated tax team. We integrate tax planning into every financial decision—from pre-retirement Roth conversions to managing RMDs, QCDs, and IRMAA thresholds. We deliver a comprehensive Financial Physical—complete financial plan, tax audit, insurance review, and estate analysis—BEFORE asking you to become a client. You get tangible value immediately and can evaluate our work based on actual results, not promises. We grew organically through our radio show and client referrals because our advisors focus on teaching, not selling. As a fee-only fiduciary and NAPFA member, we're legally bound to put your interests first. Tune in to our radio show, Money, Riches & Wealth, every Wednesday from 6-7pm on WCBM AM 680, or visit our website to schedule a complimentary introductory meeting. See notes for disclaimer.

A few things about how we work that tend to matter to our clients:- We're fee-only fiduciaries. We don't earn commission...
10/26/2026

A few things about how we work that tend to matter to our clients:

- We're fee-only fiduciaries. We don't earn commissions on anything we recommend, and we're legally required to put your interests first.

- Almost half of our advisors are CPAs. We build tax planning into every recommendation, and we prepare returns for clients in-house.

- We prove it before you commit. Every relationship starts with a Financial Physical®, a complete plan and tax review, delivered before you decide whether to work with us.

We grew through a radio show and referrals, and we still do. If someone you trust sent you here, welcome. If you found us on your own, an intro call is the easiest first step: (410) 823-7283 or financialconsulate.com.

10/23/2026

Federal employees within five years of retirement: do you know your sick leave balance right now, in hours?

If you don't, look it up this week. It's part of your pension, and most people find out what it was worth after it's gone.

10/22/2026

Maryland lets military retirees subtract a portion of their retirement income before the state taxes it. It doesn't happen automatically, and it can get left off returns.

One couple came in with two military pensions and years of returns from the same preparer. None of them had the subtraction. After three amended returns, they got close to $10,000 back.

Alec Sunners on what to look for on your own return.

10/21/2026

When we ask new clients what they want retirement to look like, the answers are remarkably consistent. More time with family, usually a few trips they've put off, and often a way to give back. Almost nobody says a bigger house.

Build your plan around your answer, whatever it is. What's yours?

10/20/2026

Fiduciary might be the most-used word in this industry and one of the least examined.

At many large firms, an advisor carries that duty for part of the relationship and works under different rules for the rest. From the client's perspective, there's no way to tell which one applies when a product is recommended.

The tax year ends December 31. The window to act closes before then.Roth conversions, qualified charitable distributions...
10/19/2026

The tax year ends December 31. The window to act closes before then.

Roth conversions, qualified charitable distributions, required minimum distributions, and gifts must be processed by your custodian, and most custodians set internal cutoffs in mid-December to handle the year-end crunch. That means planning has to happen in October.

Tax laws keep changing, and the rules that helped last year may not apply to your situation this year. Having someone who understands both your finances and how the current law lands on your return is the whole point of doing this now instead of in April.

Many advisors ask you to sign first, then show you what they can do. We do it the other way around. Before anyone talks ...
10/16/2026

Many advisors ask you to sign first, then show you what they can do. We do it the other way around.

Before anyone talks about becoming a client, we complete a Financial Physical®. Here's what you walk away with:

→ A written financial plan built on your real income, spending, and accounts.

→ A tax review of your last three years of returns, looking for errors and missed opportunities. We've found five-figure refunds this way.

→ A look at your insurance coverage and your estate documents, checked against your beneficiary designations and account titling.

→ Projections that show the probability your money lasts, and what changes if you retire a year earlier or spend a little more.

Then you decide. No pressure ir sales pitch, because we'd rather you choose us with evidence in hand.

10/15/2026

If you're over 70 and a half and you give to charity from your checking account, you'll probably pay tax on that money before it reaches them.

Most retirees take the standard deduction, so the gift doesn't show up on the return. Sending it directly from an IRA changes the math, and one mistake can disqualify it.

10/14/2026

Should you sign up for the military Survivor Benefit Plan? That depends… would your spouse depend on your pension to pay the bills?

If so, the SBP deserves a close look. It's inflation-adjusted, requires no medical exam, and the premiums stop after 30 years (provided you're at least 70).

If your spouse has a pension or substantial assets of their own, the answer takes more analysis, and taxes play a big role.

Last week, we took on the high ropes at Genesee Valley and had a great time bonding as a team!
10/12/2026

Last week, we took on the high ropes at Genesee Valley and had a great time bonding as a team!

Address

11019 McCormick Road, Suite 200
Hunt Valley, MD
21031

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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