Financial Planner in Edgewater, MD
Financial Planner in Edgewater, MD helping federal employees and business owners feel confident about their financial future. We take time to understand what matters most to you and build a clear plan for retirement, investments, and long‑term security. We proudly serve Edgewater and surrounding Maryland communities, and also offer convenient virtual financial planning services to clients nationwide.
I’m a Business Owner
Manage your business and increase your chances for long-term financial stability. Sentinel Financial Planning specializes in investment management, estate planning, and employer retirement plan services.
I’m a Federal Employee
We Help GS‑13+ Federal Employees Retire in the Next 5 Years — With Confidence and Clarity. Fee‑Only. Fiduciary. No Commissions. No Product Sales.
about
Your Partner in Financial Strategies
Sentinel Financial Planning was founded by Mark Humphries, CFP® to help federal government employees and business owners find financial stability through professional, personalized financial planning and investment management. Our services cater to those with all types of investment accounts, ensuring you have access to a financial advisor locally in Edgewater, MD or virtually.
Our Services
Comprehensive Financial, Investment, and Retirement Solutions for You
Services for Business Owners
Small Business Retirement Plans
At Sentinel Financial Planning, we understand the importance of providing you with a sensible retirement plan. Our team specializes in creating tailored retirement plans for small businesses who want to diversify their finances and help their employees. Let us help you set up a plan that works for you and your employees.
Estate Planning for Small Business
Estate planning is crucial for small business owners. At Sentinel Financial Planning, we provide comprehensive estate planning to safeguard your assets and provide for your loved ones. Put your confidence in us to lead the way and protect the future of your business and financial future of those you care about.
Investment Management
Grow and protect your assets with Sentinel Financial Planning’s unique investment management process. We’ll work with you to create a personalized strategy that aligns with your investment goals, risk tolerance, and time frame.
Tax Planning
Tax planning for small business owners goes beyond filing returns—it’s about creating strategies that reduce taxes while supporting growth. By optimizing entity structure, managing owner compensation, leveraging deductions and credits, and coordinating retirement contributions, business owners can lower their current tax burden and build long-term wealth. Thoughtful planning around cash flow, estimated payments, capital investments, and succession strategies helps minimize surprises and keep more of what your business earns.
Services for Federal Employees
FERS Retirement Planning
At Sentinel Financial Planning, we’re dedicated to helping federal employees pursue a comfortable retirement. We specialize in providing personalized retirement planning services tailored to your unique situation. Our team will tailor solutions for your TSP, FERS, and Social Security, and offer personalized, long-term service and unbiased advice for your financial goals. Contact us today to learn more.
TSP Thrift Savings Plan
Don’t be frustrated when navigating the rules, choices, and decisions about your TSP account. Sentinel Financial Planning provides personalized and specialized guidance to help manage your TSP. We help you make informed decisions. We work with you to reduce taxes, optimize your investments, and ensure that you and your beneficiaries are financially prepared. With our help, you can feel confident in your TSP decisions, and take control of your financial future.
Investment Management
As a federal employee, it’s important to make the most of your hard-earned money. At Sentinel Financial Planning, we help federal employees make the most out of their investments. With personalized investment management services, we work with you to create a tailored strategy that meets your unique financial goals. Allow us to guide you through the process, and help you feel confident about your financial future.
Tax Planning
Tax planning for federal government employees requires specialized knowledge of federal benefits and retirement systems. With considerations such as the Thrift Savings Plan (TSP), FERS or CSRS pensions, Social Security integration, and unique leave and rollover rules, a thoughtful strategy can help reduce taxes both now and in retirement. Coordinating contributions, withdrawal timing, Roth versus traditional options, and required minimum distributions allows federal employees to maximize benefits, manage taxable income, and create a more efficient long-term retirement plan.
resources
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