Adair & Associates | Wealth Management
Retirement Planning for Columbia, MD Professionals & Retirees
For over 20 years, Adair & Associates has helped Howard County professionals turn 401(k)s, TSPs, IRAs, and pensions into a clear retirement income plan. Independent, fee-based, and led by a CFP® professional.
- Hunter Adair, CFP®
- Serving Howard County professionals for over 20 years
- Independent, affiliated with LPL Financial
Why Local Matters
Columbia, Maryland was built as a planned community more than fifty years ago, and today it's home to one of Maryland's most accomplished professional populations, federal employees, defense contractors, healthcare professionals, tech workers, and educators from Johns Hopkins APL, the NSA, Fort Meade, Kaiser Permanente, and MedStar.
At Adair & Associates, we know those careers from the inside, and what comes next. Whether you're five years from retirement or already there, we help Columbia clients consolidate accounts, refine Social Security claiming strategies, and coordinate pensions and TSP distributions into a retirement income strategy you can count on.
Our office is minutes from Columbia. Close enough to be your neighbor, established enough to have guided your colleagues across Howard County for over two decades.
Why Clients Choose Us
Adair & Associates is an independent practice. When we provide investment advisory services, we act in a fiduciary capacity, obligated to put your interests first.
Hunter Adair is a CERTIFIED FINANCIAL PLANNER® professional who has worked in financial planning since 2002. Our team also includes a former CPA firm partner with more than thirty years in financial services, so tax considerations are part of the conversation from the start rather than something addressed after the fact.
Through our affiliation with LPL Financial, we have access to a broad range of investment options and no proprietary products. That means recommendations are built around your situation and the goals you've described to us.
Our office is minutes from Columbia in Marriottsville. We've worked with Howard County professionals and their families for more than two decades, and we plan to be here for the decades ahead.
*Adair & Associates and LPL Financial do not provide tax or legal advice. Please consult your tax or legal professional regarding your specific situation.
Who We Work With
Federal Employees & Defense Contractors
You've built a career at Fort Meade, NSA, or Johns Hopkins APL, and now the decisions are stacking up: what happens to your TSP at separation, when the FERS annuity supplement starts and stops, and how a lifetime of G Fund and C Fund contributions becomes actual monthly income. We work through the sequence with you before you file, because most of these choices are difficult to undo afterward.
Healthcare & Education Professionals
A Maryland state pension, a 403(b), and a 457(b) are three retirement accounts that were never designed to talk to each other. If you're at Kaiser Permanente, MedStar, or Howard County Public Schools, you may be holding all three plus an old 401(k) from earlier in your career. We consolidate the picture and help you decide what to draw from first, and in what order.
Executives, Tech Professionals & Business Owners
RSUs that vested three employers ago. A 401(k) left behind at a company you departed in 2014. A concentrated stock position you've avoided touching because of what unwinding it might trigger. We bring the accounts together into one plan and work through the tax considerations of an exit alongside your CPA, rather than around them.
Our Services
Retirement & Income Planning
From Social Security optimization and Medicare coordination to sustainable retirement income strategies, we help Columbia clients turn decades of saving into a clear, confident retirement plan, including Roth conversion analysis, RMD planning, and coordination across TSP, 401(k), IRA, and pension accounts.
Learn MoreInvestment Management
We build portfolios aligned with your timeline, goals, and risk tolerance, with no proprietary products to push. Our approach is independent, transparent, and designed to coordinate across your taxable, tax-deferred, and tax-free accounts.
Learn MoreTax & Estate Planning
Tax-efficient withdrawal strategies, Roth conversion analysis, and coordination with your CPA and estate attorney help ensure your plan works efficiently today and passes along smoothly tomorrow.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
Tax Planning Estate PlanningTSP & 401(k) Rollover Guidance
When you're leaving federal service or a long career with a private employer, what you do with your retirement account matters enormously. We help Columbia professionals make informed rollover decisions, weighing the tradeoffs of staying, rolling over, or converting, with your complete financial picture in mind.
A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages:
- Leave the money in his/her former employer's plan, if permitted;
- Roll over the assets to his/her new employer's plan, if one is available and rollovers are permitted;
- Roll over to an IRA; or
- Cash out the account value.
Our Process
Discover & Assess
We start by listening. We want to understand your goals, your concerns, and what your ideal retirement looks like. From there, we take stock of your current assets, income, and obligations to identify exactly where you stand, and where the gaps are.
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® - Your Columbia, MD 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 Columbia, and we're here for the long haul.
Ready to Feel Confident About Your Retirement?
Whether you're transitioning from federal service, weighing what to do with your TSP or 401(k), or just want a second opinion on where you stand, a 20-minute conversation can tell you a lot. Let's see if we're the right fit.
Visit Our Office
Address
Adair & Associates
2205 Warwick Way, Suite 300
Marriottsville, MD 21104
Phone
Fax
(443) 327-4485
Hunter.Adair@AdairAdvisory.com
Office Hours
Monday – Friday
9:00 AM – 5:00 PM ET