Adair & Associates | Wealth Management
Wealth Management for Maryland Families
You are in the right place. Adair & Associates is a wealth management practice in Marriottsville, Maryland, led by Hunter Adair, CFP®, serving families across Howard County and Central Maryland. The next step is a 15 to 20 minute introductory call: plain-English answers about how we work, what it costs and whether we are the right fit.
A complimentary 15 to 20 minute conversation.
- Hunter Adair, CFP®
- Financial planning since 2002
- Securities and advisory services through LPL Financial
The short answer
Who Is Adair & Associates?
Adair & Associates is an independent wealth management practice in Marriottsville, Maryland. Hunter Adair, CFP®, leads every client relationship personally, and securities and advisory services are offered through LPL Financial. Families across Howard County and Central Maryland work with us on retirement, investments, taxes and estate decisions as one coordinated plan.
Whether a friend mentioned us, you met Hunter somewhere along the way, or you searched for a wealth manager near you, this page is the fastest way to decide whether we are the right fit.
What to expect
The Intro Call Vs. Working Together
The first conversation is deliberately small. Here is how the two compare, so you know exactly what you are saying yes to.
| The Intro Call | Working Together | |
|---|---|---|
| Timing | Fifteen to twenty minutes, at no cost | An ongoing relationship, reviewed every year |
| Core question | Are we the right fit? | When can you retire, and how does everything fit together? |
| What you bring | Nothing is required | Statements, benefits and the goals behind them |
| What you get | Plain-English answers and an honest read on fit | A written plan, implementation and ongoing reviews |
| The commitment | None. No obligation and no sales pitch | A decision you make later, once you have seen the plan |
| How it starts | You schedule the call below | Only if the first conversation earns it |
What we do
How We Help Maryland Families
One coordinated plan, built around your goals. These are the areas we work in most often.
Retirement income planning
Mapping your pensions, Social Security timing, savings and withdrawals into a month-by-month income plan, including survivor decisions and what changes when required distributions begin.
Investment management
Portfolios managed through LPL Financial with tax-sensitive allocation, regular reviews and a diversification strategy matched to your risk tolerance and your timeline.
Tax planning
Coordinating withholding, the timing of withdrawals and Roth conversions, and Maryland’s treatment of pensions, Social Security and IRA income. We work alongside your CPA or preparer.
Estate planning & insurance review
Reviewing beneficiaries, coordinating accounts with your estate documents, and working with your attorney so your plan protects the people it is meant to protect.
Federal employee benefits
FERS pensions, TSP decisions, FEHB and early-out offers for Maryland’s federal workforce, planned around the federal rules and deadlines.
State & public employee benefits
MSRPS pensions, survivor elections, 457(b) and 403(b) decisions and DROP planning for teachers, state, county and public safety employees.
Family giving & wealth transfer
Lifetime gifts to children and grandchildren, funding a grandchild's education, and keeping every gift coordinated with your estate plan and the rest of the picture.
Business owners & professionals
Concentrated stock, equity compensation, retirement plans for a practice or business, and the eventual conversion of a business into retirement income.
Insurance & risk review
Life, disability and long-term care coverage reviewed against what your family actually needs.
Who this is for
Who We Serve
Established wealth and family legacies
Decades of work, a business sold, or an inheritance carefully kept. The question has shifted from building to keeping, spending well and passing on, and we coordinate the portfolio, the tax plan, the estate documents and the next generation as one picture.
Business owners and professionals
Owners, partners and professionals balancing a business or practice, concentrated stock or equity compensation, and the question of how it all becomes retirement income someday.
Federal, state and public employees
FERS pensions, TSP accounts, Maryland state and county pensions and 457(b) plans follow their own rules and deadlines. We built dedicated pages for Maryland federal employees and for Maryland state & public employees.
Families within ten years of retirement
Couples and individuals who want to know their real retirement date, what their income will look like and whether the pieces they have accumulated add up to a plan.
How we work
Our Process
Four steps, from the first call to an ongoing relationship.
Introductory Call
Fifteen to twenty minutes on the phone to hear your situation and decide together whether it makes sense to keep going.
Review
We gather the full picture: statements, benefits, insurance, estate documents and the goals behind them.
Strategy
We present your financial picture on one page: projected income by year, the decisions ahead of you and what each one changes.
Implement & Revisit
Once you choose a path, we put it in motion and come back to it every year. Your life changes and so does the plan.
Experience
The Team Behind Your Plan
Adair & Associates is a wealth management practice in Marriottsville, Maryland. 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.
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 thinks about tax.
We Work With Your Other Professionals
How we fit in
Your CPA, your attorney and your benefits office all hold pieces of the picture. We coordinate with them so decisions get made with everyone working from the same information.
2205 Warwick Way, Suite 300, Marriottsville, MD 21104 · (443) 609-7727 · hunter.adair@adairadvisory.com
Before we meet
What To Bring To a First Conversation
Nothing is required for an introductory call. If you want to get further in the first conversation, these help:
- Your two most recent tax returns. They tell us more in five minutes than an hour of questions would.
- Retirement account statements. 401(k), 403(b), 457(b), IRA, Roth IRA, TSP, or a pension summary.
- Taxable investment account statements, including cost basis if it is shown.
- Your Social Security statement, or an estimate of your expected benefit.
- A rough sense of your annual spending, and when you expect to stop working.
- Any upcoming one-time events, such as a home sale, a business sale, an inheritance, or a severance package.
Common questions
Questions New Clients Ask
Are you taking new clients?
Yes. We welcome new client relationships across Central Maryland, and the best first step is a short introductory call with Hunter.
What happens on the intro call?
You tell us where you are and what prompted the call. We explain how we work and what it costs, and we both decide whether a longer conversation makes sense. Nothing to prepare, no cost and no obligation.
What does working with you cost?
It depends on the work: investment management and planning are priced differently. We explain the fee structure in plain terms on the first call, before you commit to anything.
What is your relationship with LPL Financial?
Securities and advisory services are offered through LPL Financial, a registered investment advisor. LPL provides the platform behind our independent practice, and you can review our professionals on FINRA’s BrokerCheck.
Do I have to move my accounts to get advice?
No. A second opinion on your current plan is free and confidential. If we work together, we will explain exactly what would move, what would stay and why.
How much money do I need to work with Adair & Associates?
We start with a conversation. The introductory call is where we learn what you are trying to solve and tell you honestly whether we are a good fit. If we are not, we will say so.
Do you work with federal and state employees?
Yes, extensively. Maryland’s public workforce is a large part of our practice, and we keep dedicated pages for federal employees and for state and public employees.
Who will I actually work with?
Hunter Adair leads every client relationship personally, supported by a team with decades of combined experience. You will not be handed off.
How often will we meet?
Expect more contact in the first year while the plan takes shape, then reviews at least annually, plus whenever something significant changes in your life or in the rules.
Where are you located?
Marriottsville, MD, in Howard County, at 2205 Warwick Way, Suite 300. We meet in person and by video.
Related
Start With a Short Conversation
Schedule a 15 to 20 minute introductory call with Hunter Adair. Bring a question, bring a statement, or bring nothing at all. We will start wherever you are.
Adair & Associates · 2205 Warwick Way, Suite 300, Marriottsville, MD 21104
Important disclosures
Content last reviewed September 2026.
Adair & Associates and LPL Financial do not provide tax or legal advice or services. This material is for general informational purposes only and is not intended to provide specific advice or recommendations for any individual, nor is it a substitute for specific individualized tax or legal advice. Please consult your qualified tax or legal professional regarding your particular situation.
Traditional IRA account owners should consider the tax implications, age and income restrictions in regard to executing a conversion from a Traditional IRA to a Roth IRA. The converted amount is generally subject to income taxation in the year of conversion.
All investing involves risk, including possible loss of principal. No strategy assures success or protects against loss. Tax laws and regulations are complex and subject to change, which can materially affect investment results.
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.