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1<meta name="next-size-adjust" content=""/><meta name="theme-color" content="#ffffff"/><title>Pricing: Every Cost, Published | Maryland Financial Advocates</title><meta name="description" content="What it costs to work with Maryland Financial Advocates: a complimentary intro call, a one-time $500 planning engagement, investment management from 1.15% stepping down to 0.50%, and insurance commissions disclosed in dollars. No surprises."/><link rel="author" href="https://marylandfinancialadvocates.com/about/"/><meta name="author" content="Colin Meeks, CFP®"/><link rel="manifest" href="/site.webmanifest"/><meta name="creator" content="@colinmeeksCFP"/><meta name="publisher" content="Maryland Financial Advocates"/><meta name="robots" content="index, follow"/><meta name="googlebot" content="index, follow, max-video-preview:-1, max-image-preview:large, max-snippet:-1"/><link rel="canonical" href="https://marylandfinancialadvocates.com/pricing/"/><meta property="og:title" content="Pricing: Every Cost, Published"/><meta property="og:description" content="What it costs to work with Maryland Financial Advocates: a complimentary intro call, a one-time $500 planning engagement, investment management from 1.15% stepping down to 0.50%, and insurance commissions disclosed in dollars. No surprises."/><meta property="og:url" content="https://marylandfinancialadvocates.com/pricing/"/><meta property="og:image" content="https://marylandfinancialadvocates.com/og-default.jpg"/><meta property="og:image:width" content="1200"/><meta property="og:image:height" content="630"/><meta property="og:image:alt" content="Pricing: Every Cost, Published"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Pricing: Every Cost, Published"/><meta name="twitter:description" content="What it costs to work with Maryland Financial Advocates: a complimentary intro call, a one-time $500 planning engagement, investment management from 1.15% stepping down to 0.50%, and insurance commissions disclosed in dollars. No surprises."/><meta name="twitter:image" content="https://marylandfinancialadvocates.com/og-default.jpg"/><link rel="icon" href="/icon.svg"/><link rel="apple-touch-icon" href="/apple-icon.svg"/>
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1<nav aria-label="Breadcrumb" class="enter mb-8"><ol class="flex flex-wrap items-center gap-1.5 font-mono text-xs tracking-[0.08em] uppercase text-white/70"><li class="flex items-center gap-1.5"><a class="focus-ring rounded-sm transition-colors hover:text-white" href="/">Home</a><span aria-hidden="true">/</span></li><li class="flex items-center gap-1.5"><span aria-current="page" class="text-white">Pricing</span></li></ol></nav><div class="grid grid-cols-1 gap-x-12 gap-y-6 lg:grid-cols-[minmax(0,1.15fr)_minmax(0,1fr)] xl:gap-x-20 lg:items-start"><div class="relative"><p style="--enter-delay:80ms" class="enter font-mono text-xs font-medium tracking-[0.16em] uppercase text-accent">Costs & Pricing</p><h1 style="--enter-delay:160ms" class="enter mt-4 max-w-3xl font-serif text-4xl leading-[1.08] font-semibold tracking-tight sm:text-5xl xl:text-6xl text-white">What does it cost? Here's all of it.</h1></div><div class=" relative"><div style="--enter-delay:260ms" class="enter space-y-4 text-base leading-relaxed sm:text-lg text-white/85 mt-6 lg:mt-0"><p>It's important to us that you know exactly what you pay, and that you know it before making any decisions, so you can make them confidently. Most advisors make you sit through a meeting to learn this; we'd rather tell you ahead of time.</p><p>When in doubt, just ask. We're happy to talk about costs and fees.</p></div><div style="--enter-delay:360ms" class="enter mt-9"><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors bg-white px-6 py-3.5 text-navy hover:bg-accent-soft " href="/schedule/">Schedule a Complimentary Call</a></div></div></div></div></div></section><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b p-6 sm:p-10 lg:p-14 xl:px-20 2xl:px-32"><div class="grid grid-cols-1 gap-4 md:grid-cols-3 lg:gap-6"><div class="bg-muted rounded-2xl p-6 sm:p-7"><h2 class="text-foreground text-lg font-semibold tracking-tight">Transparent pricing</h2><p class="text-muted-foreground mt-2 text-sm leading-relaxed">Know what you pay before you ever call. It's all on this page.</p></div><div class="bg-muted rounded-2xl p-6 sm:p-7"><h2 class="text-foreground text-lg font-semibold tracking-tight">No surprises</h2><p class="text-muted-foreground mt-2 text-sm leading-relaxed">Every cost explained and agreed to in writing before it exists.</p></div><div class="bg-muted rounded-2xl p-6 sm:p-7"><h2 class="text-foreground text-lg font-semibold tracking-tight">No nickel-and-diming</h2><p class="text-muted-foreground mt-2 text-sm leading-relaxed">Full access to us is included. There's no meter running on phone calls.</p></div></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b"><div class="grid grid-cols-1 lg:grid-cols-[minmax(0,1fr)_minmax(0,2fr)]"><div class="border-border flex flex-col justify-center gap-8 border-b px-6 py-10 sm:px-10 lg:border-r lg:border-b-0 lg:px-14 lg:py-14 xl:px-20 2xl:px-32"><p class="text-accent-strong font-mono text-xs font-medium tracking-[0.16em] uppercase">Cost #<!-- -->1</p><div><p class="text-primary font-serif text-5xl leading-[1.05] font-semibold tracking-tight">$500</p><p class="text-muted-foreground mt-3 text-sm leading-relaxed">one-time</p></div><h2 class="text-foreground text-2xl font-semibold tracking-tight">The planning engagement</h2></div><div class="px-6 py-10 sm:px-10 lg:px-14 lg:py-14 xl:px-20 2xl:px-32"><div class="text-muted-foreground max-w-3xl space-y-4 text-base leading-relaxed sm:text-lg"><p>Two meetings that produce a written financial plan: a net worth statement, an investment allocation summary, a 1-2 page plan with timeline and tasks, a 3-4 page personalized tax analysis, and a full breakdown of what hiring us ongoing would cost. The<!-- --> <a class="focus-ring text-primary decoration-primary/30 hover:decoration-primary rounded-sm font-medium underline underline-offset-2" href="/our-process/">full process</a> <!-- -->has its own page.</p></div></div></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b"><div class="grid grid-cols-1 lg:grid-cols-[minmax(0,1fr)_minmax(0,2fr)]"><div class="border-border flex flex-col justify-center gap-8 border-b px-6 py-10 sm:px-10 lg:border-r lg:border-b-0 lg:px-14 lg:py-14 xl:px-20 2xl:px-32"><p class="text-accent-strong font-mono text-xs font-medium tracking-[0.16em] uppercase">Cost #<!-- -->2</p><div><p class="text-primary font-serif text-5xl leading-[1.05] font-semibold tracking-tight">1.15% â 0.50%</p><p class="text-muted-foreground mt-3 text-sm leading-relaxed">annually, stepping down with assets</p></div><h2 class="text-foreground text-2xl font-semibold tracking-tight">Investment management</h2></div><div class="px-6 py-10 sm:px-10 lg:px-14 lg:py-14 xl:px-20 2xl:px-32"><div class="text-muted-foreground max-w-3xl space-y-4 text-base leading-relaxed sm:text-lg"><p>If, based on the plan we build together, you hire us to manage your investments, the ongoing cost is based on your account balance and deducted directly from the accounts we manage.</p></div><div class="border-border mt-8 max-w-md overflow-hidden rounded-2xl border"><table class="w-full text-left text-base"><caption class="sr-only">Annual investment management fee schedule</caption><thead><tr class="border-border bg-muted border-b"><th scope="col" class="text-foreground px-5 py-3 font-semibold">Assets under management</th><th scope="col" class="text-foreground px-5 py-3 font-semibold">Annual fee</th></tr></thead><tbody><tr class="border-border border-b last:border-b-0"><td class="text-muted-foreground px-5 py-3">First $1 million</td><td class="text-foreground px-5 py-3 font-semibold">1.15%</td></tr><tr class="border-border border-b last:border-b-0"><td class="text-muted-foreground px-5 py-3">$1M â $2.5M</td><td class="text-foreground px-5 py-3 font-semibold">0.85%</td></tr><tr class="border-border border-b last:border-b-0"><td class="text-muted-foreground px-5 py-3">Above $2.5M</td><td class="text-foreground px-5 py-3 font-semibold">0.50%</td></tr></tbody></table></div><p class="text-muted-foreground mt-6 max-w-2xl text-sm leading-relaxed">We hire and use various money managers and are always monitoring for the most cost-effective solutions. Underlying fund expenses are separate, and we keep them deliberately low. More on the philosophy:<!-- --> <a class="focus-ring text-primary decoration-primary/30 hover:decoration-primary rounded-sm font-medium underline underline-offset-2" href="/retirement-planning/investment-management/">how we invest</a>.</p></div></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b"><div class="grid grid-cols-1 lg:grid-cols-[minmax(0,1fr)_minmax(0,2fr)]"><div class="border-border flex flex-col justify-center gap-8 border-b px-6 py-10 sm:px-10 lg:border-r lg:border-b-0 lg:px-14 lg:py-14 xl:px-20 2xl:px-32"><p class="text-accent-strong font-mono text-xs font-medium tracking-[0.16em] uppercase">Cost #<!-- -->3</p><div><p class="text-primary font-serif text-5xl leading-[1.05] font-semibold tracking-tight">Disclosed</p><p class="text-muted-foreground mt-3 text-sm leading-relaxed">in dollars, before you decide</p></div><h2 class="text-foreground text-2xl font-semibold tracking-tight">Insurance commissions</h2></div><div class="px-6 py-10 sm:px-10 lg:px-14 lg:py-14 xl:px-20 2xl:px-32"><div class="text-muted-foreground max-w-3xl space-y-4 text-base leading-relaxed sm:text-lg"><p>If your plan calls for life insurance or an annuity and you buy it through us, we're paid a commission on that transaction. Commissions vary widely by product and carrier, so an accurate number can't be printed here.</p><p>What we can promise: in your written plan, we always disclose the exact commission, in percentages and in dollars, that we would earn on any insurance transaction, before you're asked to decide anything.</p></div></div></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b p-6 sm:p-10 lg:p-14 xl:px-20 2xl:px-32"><div class="grid grid-cols-1 gap-8 lg:grid-cols-[minmax(0,33rem)_minmax(0,1fr)] lg:items-start xl:gap-16"><h2 class="text-foreground font-serif text-3xl leading-[1.1] font-semibold tracking-tight sm:text-4xl"><span class="lg:block">About conflicts of interest,</span> <!-- -->since nobody else brings it up</h2><div class="text-muted-foreground space-y-4 text-base leading-relaxed sm:text-lg"><p>There is no such thing as "conflict-free" financial advice. We get paid to help you navigate your financial goals, and we get paid based on decisions you make about your money. That's true of every fee structure in this industry, ours included.</p><p>What we can be is 100% transparent. Whether it's the one-time planning fee, the ongoing management fee, or a commission on an insurance product, we disclose the number well before asking you to decide, and we keep reminding you of it while we work together. That's the accountability we can actually promise.</p></div></div><div class="border-accent bg-accent-soft mt-8 rounded-2xl border-l-4 p-6 sm:mt-10 sm:p-7"><p class="text-foreground text-base leading-relaxed font-medium sm:text-lg">Our agreements are walk-away: leave at any time, no back-end fees or charges, and especially no hard feelings.</p></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b p-6 sm:p-10 lg:p-14 xl:px-20 2xl:px-32"><div class="mx-auto max-w-4xl"><h2 class="text-foreground mx-auto max-w-2xl text-center font-serif text-3xl leading-[1.1] font-semibold tracking-tight sm:text-4xl">A sample cost to become a client</h2><div class="border-border bg-card mt-8 overflow-hidden rounded-2xl border sm:mt-10"><div class="border-border bg-muted flex flex-wrap items-baseline justify-between gap-x-6 gap-y-1 border-b px-6 py-4 sm:px-8"><p class="text-foreground text-sm font-semibold tracking-[0.08em] uppercase">Year one, itemized</p><p class="text-muted-foreground font-mono text-xs tracking-[0.12em] uppercase">Hypothetical example</p></div><ol class="divide-border divide-y"><li class="flex items-start justify-between gap-6 px-6 py-5 sm:px-8"><div class="flex gap-4 sm:gap-5"><span aria-hidden="true" class="text-muted-foreground bg-muted mt-0.5 inline-flex h-7 w-7 shrink-0 items-center justify-center rounded-full font-mono text-xs font-semibold">1</span><div><p class="text-foreground text-base font-semibold">You start with the complimentary call</p><p class="text-muted-foreground mt-1 max-w-lg text-sm leading-relaxed">We chat, and you decide you'd like a full plan.</p></div></div><p class="text-foreground shrink-0 font-mono text-sm font-semibold tabular-nums">$0</p></li><li class="flex items-start justify-between gap-6 px-6 py-5 sm:px-8"><div class="flex gap-4 sm:gap-5"><span aria-hidden="true" class="text-muted-foreground bg-muted mt-0.5 inline-flex h-7 w-7 shrink-0 items-center justify-center rounded-full font-mono text-xs font-semibold">2</span><div><p class="text-foreground text-base font-semibold">The planning engagement</p><p class="text-muted-foreground mt-1 max-w-lg text-sm leading-relaxed">Two meetings, a written plan, a tax analysis, and an exact quote for anything further.</p></div></div><p class="text-foreground shrink-0 font-mono text-sm font-semibold tabular-nums">$500</p></li><li class="flex items-start justify-between gap-6 px-6 py-5 sm:px-8"><div class="flex gap-4 sm:gap-5"><span aria-hidden="true" class="text-muted-foreground bg-muted mt-0.5 inline-flex h-7 w-7 shrink-0 items-center justify-center rounded-full font-mono text-xs font-semibold">3</span><div><p class="text-foreground text-base font-semibold">You hire us to manage $250,000</p><p class="text-muted-foreground mt-1 max-w-lg text-sm leading-relaxed">1.15% annually is $2,875, deducted quarterly from the account itself, not billed to you.</p></div></div><p class="text-foreground shrink-0 font-mono text-sm font-semibold tabular-nums">$2,875 / yr</p></li></ol><div class="border-border bg-primary-soft flex flex-wrap items-baseline justify-between gap-x-6 gap-y-2 border-t px-6 py-6 sm:px-8"><p class="text-foreground text-base font-semibold">Year-one total</p><p class="text-primary font-serif text-3xl font-semibold tracking-tight tabular-nums sm:text-4xl">$3,375</p></div><div class="border-border border-t px-6 py-4 sm:px-8"><p class="text-muted-foreground text-sm leading-relaxed">After year one, the only cost is the management fee.</p><p class="text-muted-foreground mt-3 text-xs leading-relaxed">This is a hypothetical example and is not representative of any specific investment. Your results may vary.</p></div></div></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="border-border relative border-b p-6 sm:p-10 lg:p-14 xl:px-20 2xl:px-32">
1<script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is the $500 credited toward anything if I hire you?","acceptedAnswer":{"@type":"Answer","text":"No, and on purpose. The plan is a standalone deliverable with standalone value: plenty of people take it and execute on their own. Pricing it honestly keeps the advice independent of whether you hire us afterward."}},{"@type":"Question","name":"Are there account minimums?","acceptedAnswer":{"@type":"Answer","text":"No hard minimum. The planning engagement tells us both whether ongoing management earns its fee in your situation. When it doesn't, we say so and send you off with the checklist."}},{"@type":"Question","name":"How does the management fee actually get paid?","acceptedAnswer":{"@type":"Answer","text":"It's deducted directly from the managed accounts, typically quarterly, and shows up plainly on your statements. You never receive an invoice from us for it."}},{"@type":"Question","name":"What am I NOT charged for?","acceptedA
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1<h2 class="text-foreground max-w-2xl font-serif text-3xl leading-[1.1] font-semibold tracking-tight sm:text-4xl">Pricing questions people actually ask</h2><div class="border-border mt-6 border-t sm:mt-10"><ul class="divide-border divide-y"><li><button id="_R_p8av5ulb_" type="button" aria-expanded="true" aria-controls="_R_p8av5ulbH1_" class="focus-ring flex w-full cursor-pointer items-center justify-between gap-6 py-6 text-left sm:py-7"><span class="text-foreground text-base leading-snug font-medium tracking-tight sm:text-lg">Is the $500 credited toward anything if I hire you?</span><span aria-hidden="true" class="text-foreground relative inline-flex h-9 w-9 shrink-0 items-center justify-center"><span class="bg-muted absolute inset-0 rounded-full"></span><span class="border-border absolute inset-0 rounded-full border"></span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative h-4 w-4" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></button><section id="_R_p8av5ulbH1_" role="region" aria-labelledby="_R_p8av5ulb_" style="overflow:hidden;height:auto;opacity:1"><div class="text-muted-foreground max-w-5xl space-y-4 pr-12 pb-7 text-sm leading-relaxed sm:text-base xl:max-w-6xl" style="transform:none"><p>No, and on purpose. The plan is a standalone deliverable with standalone value: plenty of people take it and execute on their own. Pricing it honestly keeps the advice independent of whether you hire us afterward.</p></div></section></li><li><button id="_R_198av5ulb_" type="button" aria-expanded="false" aria-controls="_R_198av5ulbH1_" class="focus-ring flex w-full cursor-pointer items-center justify-between gap-6 py-6 text-left sm:py-7"><span class="text-foreground text-base leading-snug font-medium tracking-tight sm:text-lg">Are there account minimums?</span><span aria-hidden="true" class="text-foreground relative inline-flex h-9 w-9 shrink-0 items-center justify-center"><span class="bg-muted absolute inset-0 rounded-full"></span><span class="border-border absolute inset-0 rounded-full border"></span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative h-4 w-4" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></button></li><li><button id="_R_1p8av5ulb_" type="button" aria-expanded="false" aria-controls="_R_1p8av5ulbH1_" class="focus-ring flex w-full cursor-pointer items-center justify-between gap-6 py-6 text-left sm:py-7"><span class="text-foreground text-base leading-snug font-medium tracking-tight sm:text-lg">How does the management fee actually get paid?</span><span aria-hidden="true" class="text-foreground relative inline-flex h-9 w-9 shrink-0 items-center justify-center"><span class="bg-muted absolute inset-0 rounded-full"></span><span class="border-border absolute inset-0 rounded-full border"></span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative h-4 w-4" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></button></li><li><button id="_R_298av5ulb_" type="button" aria-expanded="false" aria-controls="_R_298av5ulbH1_" class="focus-ring flex w-full cursor-pointer items-center justify-between gap-6 py-6 text-left sm:py-7"><span class="text-foreground text-base leading-snug font-medium tracking-tight sm:text-lg">What am I NOT charged for?</span><span aria-hidden="true" class="text-foreground relative inline-flex h-9 w-9 shrink-0 items-center justify-center"><span class="bg-muted absolute inset-0 rounded-full"></span><span class="border-border absolute inset-0 rounded-full border"></span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down relative h-4 w-4" aria-hidden="true"><path d="m6 9 6 6 6-6"></path></svg></span></button></li></ul></div></section></div><div style="backface-visibility:hidden;will-change:opacity, transform;opacity:0;transform:translateY(12px)"><section class="bg-background p-3 sm:p-4 lg:p-6"><div class="bg-navy relative overflow-hidden rounded-3xl"><img alt="" aria-hidden="true" loading="lazy" decoding="async" data-nimg="fill" class="object-cover opacity-25" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="100vw" srcSet="/_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&w=640&q=75&dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 640w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&w=750&q=75&dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 750w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&w=828&q=75&dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 828w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&w=1080&q=75&dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 1080w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&w=1200&q=75&dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 1200w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&w=1920&q=75&dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 1920w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&w=2048&q=75&dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 2048w, /_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&w=3840&q=75&dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW 3840w" src="/_next/image/?url=%2Fimages%2Fbaltimore%2Fbroening-park-sunrise.jpg&w=3840&q=75&dpl=dpl_8h1FW1w18XZ5Pejm5mjjdiaC2PQW"/><div class="relative px-5 py-14 text-center sm:px-8 sm:py-20 lg:px-12"><h2 class="mx-auto max-w-2xl font-serif text-3xl leading-[1.12] font-semibold tracking-tight text-white sm:text-4xl lg:text-5xl">Read it all? Then you already know more than most clients ever ask.</h2><p class="mx-auto mt-5 max-w-xl text-base leading-relaxed text-white/80">The next step is the complimentary call. Fifteen minutes, and you'll know if we're the right fit.</p><div class="mt-9 flex flex-wrap items-center justify-center gap-4"><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors bg-white px-6 py-3.5 text-navy hover:bg-accent-soft " href="/schedule/">Schedule Your Complimentary Call</a><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors px-2 py-2 text-foreground hover:text-primary hover:text-accent text-white" href="/our-process/">See how we work<!-- --> <span aria-hidden="true">â</span></a></div><p class="mt-8 text-sm text-white/60">Prefer the phone? Call<!-- --> <a href="tel:+14106630700" class="focus-ring rounded-sm font-medium text-white/85 underline underline-offset-2 hover:text-white">410-663-0700</a> <!-- -->and ask for Colin.</p></div></div></section></div></main><!--$--><!--/$--><section class="bg-background p-3 sm:p-4 lg:p-6"><div class="bg-navy rounded-3xl px-5 py-10 text-white sm:px-8 sm:py-12 lg:px-12 lg:py-14"><div class="mb-10 flex flex-col gap-5 border-b border-white/15 pb-8 sm:flex-row sm:items-center sm:justify-between sm:gap-10"><div><p class="font-serif text-2xl leading-tight font-semibold">Get our newsletter</p><p class="mt-1.5 max-w-3xl text-sm leading-relaxed text-white/75">
1Monthly, in your inbox, with a printed copy mailed to you if you'd like one.</p></div><a class="focus-ring inline-flex items-center justify-center gap-2 rounded-full text-xs font-semibold uppercase tracking-[0.12em] transition-colors bg-white px-6 py-3.5 text-navy hover:bg-accent-soft shrink-0 self-start sm:self-auto" href="/newsletter/">Get the Newsletter</a></div><div class="grid grid-cols-1 gap-12 lg:grid-cols-[minmax(0,1.1fr)_minmax(0,2fr)] lg:gap-16"><div><p class="font-serif text-2xl leading-tight font-semibold">Maryland Financial Advocates</p><p class="text-accent mt-2 text-sm font-medium tracking-[0.14em] uppercase">Planning for your family's unique needs</p><address class="mt-8 space-y-1.5 text-sm leading-relaxed text-white/75 not-italic"><p>9621 Harford Rd, Suite 1<br/>Parkville<!-- -->, <!-- -->MD<!-- --> <!-- -->21234</p><p><a href="tel:+14106630700" class="focus-ring rounded-sm transition-colors hover:text-white">410-663-0700</a></p><p><a href="mailto:[email protected]" 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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.