Broker Check

Clarksville, MD Wealth Management for Families, Executives & Business Owners

For over two decades, Adair & Associates has helped Clarksville families coordinate investments, taxes, estate planning, and business transitions into one plan.


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Why Clarksville Clients Choose Us

What brings Clarksville clients to Adair & Associates is continuity. The same advisor year after year, reachable when it matters. Hunter Adair, a CERTIFIED FINANCIAL PLANNER® professional, has spent over twenty years helping Howard County families plan for and through retirement. When we serve you in an advisory capacity, we're held to a fiduciary standard, meaning we're required to act in your best interest. We're an independent practice affiliated with LPL Financial, with no proprietary products. Our office is twenty minutes from Clarksville Commons.

Why Local Matters

Clarksville is home to some of Howard County's most established families, physicians, attorneys, executives, and business owners who've built meaningful wealth and now face the complexity that comes with it.

At Adair & Associates, we understand that at this level, financial planning isn't about picking a mutual fund, it's about coordinating investments, tax strategy, estate planning, and business considerations into one cohesive plan.

Our office is in Marriottsville is about a 20 minute drive from Clarksville via MD-32. Close enough to be your neighbor, established enough to have guided families across River Hill, Cattail Creek, and Triadelphia Lake View Estates for over two decades. You'll work with the same team year after year.

Who We Serve in Clarksville

Executives & Established Professionals

Executives & Established Professionals

Compensation packages that include RSUs, stock options, deferred compensation, and performance bonuses require a different kind of planning. We help Clarksville executives coordinate equity compensation, tax strategy, and long-term wealth planning so your equity compensation is coordinated with the rest of your plan.

Business Owners & Practice Owners

Business Owners & Practice Owners

Many of our Clarksville clients own medical practices, law firms, consultancies, or growing businesses. We help you integrate personal and business financial strategy, from retirement plan design (401(k), SEP, defined benefit) and succession planning to exit strategy and post-sale wealth transition.

High-Net-Worth Families

High-Net-Worth Families

When your net worth grows, so does the complexity, multi-generational estate planning, charitable giving strategies, real estate coordination, and tax-efficient wealth transfer. We help Clarksville families think beyond the current generation and build plans that reflect deeper values.

Our Services 

Retirement & Income Planning

From Social Security optimization and Medicare coordination to sustainable retirement income strategies, we help Clarksville clients turn decades of building wealth into a clear, confident retirement plan, including Roth conversion analysis, RMD planning, and rollover coordination.

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Investment Management

We build portfolios aligned with your timeline, goals, and risk tolerance. Because we're independent and affiliated with LPL Financial, we have no proprietary products. For higher-net-worth families, we coordinate across taxable, tax-deferred, and Roth accounts with attention to the tax impact of how and where assets are held.


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Tax & Estate Planning

Tax-efficient withdrawal strategies, charitable giving structures, and coordination with your CPA and estate attorney help so your plan works efficiently today and transitions smoothly tomorrow, with meaningful attention to multi-generational wealth transfer.

 

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Business Owner & Executive Planning

Retirement plan design, equity compensation strategy, succession and exit planning, and integrated personal-business coordination, for professionals whose careers or companies are their most valuable asset.

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*Adair & Associates and LPL Financial do not provide tax or legal advice. Please consult your tax or legal professional regarding your specific situation.

Our Process

 Discover & Assess

We start by listening, then take stock of where you stand. Before we talk numbers, we want to understand your life, your goals, your family situation, and what your ideal financial future looks like.

Strategize

We build a plan tailored to you. Your strategy is custom, not pulled from a template. We address the core pillars together: investments, income planning, tax efficiency, estate considerations, and risk management.

Implement

We put the plan into motion. We coordinate the moves required, account consolidations, rollovers, investment changes, beneficiary updates, and documentation. You'll always know what's happening and why.

Review & Adjust

Life changes. Your plan should too. We meet regularly to review progress, revisit assumptions, and adjust the strategy as tax laws shift, markets move, or your goals evolve.

Meet Hunter Adair, CFP<sup>&#174;&#160;</sup><span id="_mce_caret" data-mce-bogus="true">- Your Clarksville Financial Advisor</span>

Meet Hunter Adair, CFP® - Your Clarksville Financial Advisor

Hunter Adair is a CERTIFIED FINANCIAL PLANNER® professional who has worked in financial planning since 2002. He and his team, including a former CPA firm partner with over thirty years in financial services, work with federal employees, contractors, and business owners across Howard County on the decisions that don't have obvious answers: when you can actually afford to retire, what to do with a TSP after federal service, and how to turn a pension, a savings plan, and Social Security into income you can count on. Our office is a short drive from Clarksville, and we're here for the long haul.

Ready for a Financial Partner Who Understands Complexity?

Whether you're navigating an executive compensation event, planning a business sale, or seeking a second opinion on how your existing plan is structured, a 20-minute conversation can tell you a lot. Let's see if we're the right fit.

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Visit Our Office

Address

Adair & Associates
2205 Warwick Way, Suite 300
Marriottsville, MD 21104

Fax

(443) 327-4485

Office Hours

Monday – Friday
9:00 AM – 5:00 PM ET