Financial Advisor in Bel Air, MD
Personalized, Fiduciary Financial Planning for Families, Retirees & Business Owners in Harford County
Whether you're approaching retirement, growing your family, navigating federal retirement benefits, or running a business, managing your financial future can feel overwhelming. As a trusted financial advisor in Bel Air, MD, The Kelly Group provides fiduciary financial guidance grounded in clarity, care, and long-term relationships.
Why Choose The Kelly Group in Bel Air?
An Independent Fiduciary Team That Puts You First
Since 1997, individuals and families across Harford County have turned to The Kelly Group for personalized financial planning and investment management. As a fiduciary, our obligation is to act in your best interest, always. We are independently owned, fee-based, and focused on helping you live a financially confident life. We proudly serve Bel Air and surrounding communities like Forest Hill, Fallston, and Churchville.
Our planning services include:
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We collaborate to define your retirement vision and your financial plan, aligning them seamlessly for success. Learn More
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With your financial plan as a guide, we develop an investment strategy aligned with your needs and goals. As an independent registered investment adviser, we act in your best interest. Learn More
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We guide you through college costs, savings and investment options from an early stage, helping you consider various education funding options and develop strategies within your long-term financial plan. Learn More
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Our Chartered Federal Employee Benefits Consultant professionals help you navigate retirement decisions to maximize your benefits. Learn More
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We facilitate important conversations about your estate and legacy, guiding you through holistic planning to help leave a legacy you are proud of. Learn More
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We help ensure a smooth transition of your business to the next generation with strategic guidance and personalized solutions to safeguard your legacy. Learn More
Financial Planning for Every Stage of Life
No matter where life finds you, we offer comprehensive support designed to evolve with your needs:
Retirees & Pre-Retirees
Plan for life after work with guidance on tax planning, income distribution, and required minimum distributions (RMDs). We’ll help you align your investments with your retirement goals.
Federal Employees
From TSP options to pension decisions, our team understands the complexities of federal retirement benefits and how to coordinate them with your personal financial picture.
Business Owners
Prepare for a successful transition with customized succession planning, exit strategies, and retirement planning tailored to entrepreneurs and small business leaders.
Families
Whether you're starting a family or planning for college, we’ll help you make informed decisions around saving, investing, and protecting what matters most. Acting as a family-office-style resource, we coordinate estate planning and long-term wealth strategies to help keep every aspect of your financial life connected.
Local Ties: Serving Bel Air & Beyond
We’re more than a financial planning and wealth management firm. We’re part of the Bel Air community.
Our team regularly supports and participates in local initiatives, including:
Sponsorship of community events and organizations in Harford County, including the Harford Land Trust, Char Hope Foundation, University of Maryland Upper Chesapeake Health, and more
Active membership in the Harford County Chamber of Commerce
Engagement in educational outreach and local charitable efforts
Our office is located in the heart of Bel Air, just off of Main Street and steps away from the Bel Air Courthouse, making us easily accessible for clients throughout Harford County.
Ready to Talk? Let’s Connect
Ready to take the next step? Connect with a fiduciary financial advisor who will listen to your story, understand your goals, and help you build a plan that reflects what matters most.
Frequently Asked Questions
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Most financial advisors charge a percentage of assets under management (AUM). At The Kelly Group, our standard AUM fee schedule is tiered, with an effective rate calculated across the household’s total managed assets. We believe in a transparent, fee-based approach and operate as a fiduciary, always putting your interests first. Please contact us to get more information about our fees.
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Yes. The Kelly Group frequently collaborates with other professionals employed by our clients. For example, we work with legal teams to create estate and legacy plans.
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Some advisors require strict account minimums. At The Kelly Group, we do have a minimum quarterly fee for ongoing investment management, but we work with individuals, families, and business owners at many stages of wealth building and retirement readiness. In certain cases, we may waive minimums for clients who are on track to meet them within a short period or who have other unique circumstances.
What to Expect When Working With Our Financial Advisors
Our approach is centered around you:
Step 1: Understanding Your Story
Every relationship begins with listening, and we aim to understand your unique story. We take the time to learn about your goals, values, and financial circumstances, so we can provide a customized plan that suits your needs.
Step 2: Developing a Customized Plan
We provide thoughtful, tailored recommendations aligned with your objectives, risk tolerance, and life stage. When needed, we coordinate with your other trusted professionals, such as attorneys, CPAs, and insurance specialists, to help ensure your plan is cohesive and comprehensive.
Step 3: Building an Ongoing Relationship
Financial planning isn’t one-and-done. As life evolves, we remain in your corner by offering proactive guidance, regular reviews, and insight on everything from big milestones to everyday decisions. Many of our clients see us not just as their financial advisor, but as a trusted part of their inner circle.
Planning Guides & Financial Insights
Looking to learn more before you meet with us? Explore our free resources:
Take Control of Your Financial Future in Bel Air
Whether you're planning for retirement, managing a windfall, or simply want a second opinion, you deserve advice that puts you first. The first step is simple.