Adair & Associates | Wealth Management
Wealth Management, Built Around Your Life
From our home office in Marriottsville, Maryland, Adair & Associates helps families nearby and across the country retire with clarity and confidence. One team, one plan, and a clear answer to the question you keep coming back to. When can I retire, and what will I live on?
A 15 to 20 minute conversation. No cost, no obligation.
The short answer
What we do
Adair & Associates is a wealth management practice headquartered in Marriottsville, Maryland. We build retirement and investment plans for families near our office and across the country, and we manage them year after year as your life changes.
A real plan connects the pieces. Your retirement income, your investments, your taxes, your insurance, and what eventually passes to your family all belong in one picture. Our team brings more than 45 years of combined industry experience to that work, and securities and advisory services are offered through LPL Financial. Hunter Adair meets personally with every prospective client, and the first conversation costs nothing.
What we help with
Wealth management services
Most clients come to us with one question. The work usually grows from there, because the pieces are connected. These are the areas we cover.
Retirement Planning
The centerpiece of our practice. Retirement income planning, Social Security and Medicare timing, withdrawal strategies, and your Retire Now Number, the figure that tells you when work becomes a choice.
Investment Management
Portfolio construction and reviews, asset allocation, tax-sensitive investing, and single stock risk management, built around your goals, your time horizon, and your tolerance for risk.
Tax Planning
Roth conversions, withholding reviews, realized gains, tax loss harvesting, and deductions, coordinated with your tax professional so April stops bringing surprises.
Estate Planning & Charitable Giving
Beneficiary and titling reviews, trust funding, estate and inheritance tax exposure, and charitable giving strategies, all coordinated with your attorney so the plan on paper matches the accounts in practice.
Insurance & Risk Management
Life insurance, long term care, and disability coverage reviews. We start with what you already own before anyone talks about anything new.
Cash Flow & Family Giving
Income and spending plans, debt and mortgage reviews, 529 college savings, and gifting strategies that help your children and grandchildren while you are here to see it.
Who we serve
The families we work with every day
Pre-retirees and retirees
People within ten years of retirement, on either side of it, who want a clear income plan in place before they give up a paycheck.
Federal employees and contractors
Many of our clients built their careers in federal service. We plan around FERS, TSP, and FEHB, and the early-out offers that tend to arrive with little warning.
State, county, and public sector employees
Teachers, police and fire, and other public servants whose pension and 457(b) deserve as much attention as any 401(k).
Business owners and professionals
Owners thinking about a sale or succession, and professionals whose savings and equity compensation have outgrown do-it-yourself planning.
How we work
Getting started is simple
Four steps, at your pace. The first one costs nothing.
Introductory call
Fifteen to twenty minutes with Hunter to cover what you are looking for, how we can help, and what happens next. No cost, no obligation.
Discover & assess
We listen first. Your goals, your family, your accounts, and what you already have in place, all on the table before we talk strategy.
Build your plan
A written strategy for the life you want to live, covering income, investments, taxes, insurance, and your estate.
Implement & revisit
We put the plan in motion together, then review and adjust it on a regular schedule, because life keeps moving.
Client stories
What our clients say
Hunter and his team are always offering ways to help us improve our financial strategies. You won't get a better team, they will always have your back and look out for you and your family!
We would highly recommend Hunter and his team, and in fact we have actively done so in the past -- the team is professional and focused, but in a manner that is friendly and enjoyable.
The team
The people behind your plan
Adair & Associates is a wealth management practice headquartered in Marriottsville, Maryland, serving families nearby and across the country. Our team brings more than 45 years of combined industry experience, and securities and advisory services are offered through LPL Financial.
Hunter Adair, CFP®
Wealth Management Advisor, Partner
A CERTIFIED FINANCIAL PLANNER® professional who has worked in financial planning since 2002, Hunter leads the firm's planning work and meets personally with every prospective client. An Ellicott City native, he lives there with his wife and three children. Full bio
Pat Gibbons
Wealth Management Advisor, Partner
More than 30 years in financial services, including time as a partner in a CPA firm and as a business owner. That background shapes how the practice approaches wealth transfer and tax-aware planning. Pat holds a BS in Accounting from the University of Baltimore and lives in Ellicott City with his family. Full bio
2205 Warwick Way, Suite 300, Marriottsville, MD 21104 · (443) 609-7727 · hunter.adair@adairadvisory.com
Where we work
Local roots, national reach
Home base is our office in Marriottsville, Maryland. From there we work with families around the corner and across the country, in person, by phone, or by video, whatever fits your life.
Registered to serve residents of
Securities business may be discussed or transacted only with residents of these states. Not listed? Reach out and we will point you in the right direction.
Let's start with a conversation
A short introductory call with Hunter Adair. He will listen, answer what he can on the spot, and tell you plainly whether we can help. Bring one question or bring your whole financial picture. We will start wherever you are.
Adair & Associates · 2205 Warwick Way, Suite 300, Marriottsville, MD 21104
Important disclosures
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
All investing involves risk, including possible loss of principal. No strategy assures success or protects against loss.
Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA & SIPC.
The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: CA, CO, CT, DC, DE, FL, GA, IL, MA, MD, NC, NH, NY, PA, TN, TX, VA, WA, WV.