Financial Advisors Serving Harford County, Maryland
Personalized, Fiduciary Financial Planning for Families, Retirees & Business Owners Across Harford County
Managing your financial life shouldn’t feel complicated. Whether you’re preparing for retirement, balancing family priorities, navigating federal benefits, or running a business, having a clear plan can bring confidence to every decision. As a trusted financial advisor serving Harford County, The Kelly Group offers fiduciary guidance rooted in clarity, care, and long-standing relationships.
For nearly 30 years, our family-owned firm in Bel Air has supported individuals and families throughout communities such as Forest Hill, Fallston, Churchville, Abingdon, and beyond, helping them make informed choices and build a strong financial future with a partner they trust.
Why Clients Partner With The Kelly Group for Comprehensive Financial Planning in Maryland
An Independent Fiduciary Team That Puts You First
Since 1997, individuals and families throughout Harford County have relied on The Kelly Group for thoughtful, personalized financial planning and investment management. As an independent, fee-based fiduciary, we are obligated to act in your best interest at all times, offering guidance rooted in clarity, transparency, and long-term partnership.
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
We are proud to serve clients across Harford County, including communities such as Aberdeen, Havre de Grace, Fallston, Forest Hill, Jarrettsville, Edgewood, and Joppatowne, providing local families and business owners with financial direction they can trust.
Financial Planning for Harford County Families, Retirees, and Business Owners
No matter where life takes you, our comprehensive financial planning services are designed to evolve with your goals and provide clarity at every stage.
Retirees & Pre-Retirees
Plan confidently for life after work with guidance on tax-efficient withdrawal strategies, income distribution, and required minimum distributions (RMDs). We help align your investments with the retirement lifestyle you envision.
Federal Employees
Our team understands the unique complexity of federal retirement benefits. From TSP allocation decisions to pension options and survivor benefits, we help coordinate your federal benefits with the rest of your financial picture.
Business Owners
Whether you’re building a long-term growth strategy or preparing for succession, we support entrepreneurs and small business owners with transition planning, retirement strategies, and coordinated wealth management.
Families
From growing your family to preparing for college, we provide guidance on saving, investing, and protecting what matters most. Acting as a family-office-style resource, we help connect the pieces between estate planning, insurance considerations, and long-term goals, so your financial life feels organized and supported.
Retirement Planning for Harford County Residents
Whether retirement is just a few years away or still on the horizon, having a thoughtful plan can bring clarity to your next chapter. Our team provides personalized retirement planning for individuals and families throughout Harford County, helping you understand your options, prepare for key milestones, and make informed decisions with confidence.
Local Ties: Serving Harford County, Aberdeen, Havre de Grace, and Beyond
Proud To Call Harford County, MD Home
We’re more than a financial planning and wealth management firm. We’re part of the Harford County community.
For decades, our team has been actively involved in supporting local organizations, events, and initiatives that strengthen the place we call home. Our community involvement includes:
Sponsorship and support of Harford County nonprofits and organizations, including the Harford Land Trust, Char Hope Foundation, and University of Maryland Upper Chesapeake Health
Active membership in the Harford County Chamber of Commerce
Participation in educational outreach and local charitable efforts throughout the county
Our office is located in the heart of Bel Air, just off Main Street and steps from the Bel Air Courthouse making us easily accessible to clients across Harford County, from Aberdeen to Forest Hill and Havre de Grace to Fallston.
Fiduciary Wealth Management For Families & Business Owners
Our approach to wealth management is grounded in clarity, collaboration, and long-term partnership. As a fiduciary firm, we focus on understanding your goals, your values, and the financial decisions that shape your life, so every recommendation supports the future you’re working toward.
We bring together financial planning, investment management, and coordinated guidance to help you make confident decisions across every area of your financial life. For families, that may mean aligning savings, college planning, and long-term wealth strategies. For business owners, it often includes preparing for succession, planning for retirement, and ensuring both your personal and business finances work together.
No matter your starting point, our team is committed to providing thoughtful, transparent advice that supports your goals today and adapts with you over time.
Ready to Talk? Let’s Connect
Schedule your Free Consultation: If you’re ready to take the next step toward financial clarity, our fiduciary advisors are here to listen, understand your goals, and help you build a plan centered on what matters most in your life.
Frequently Asked Questions
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Start by looking for an advisor who acts as a fiduciary, meaning they are legally required to put your best interest first. Review their credentials, understand how they are compensated, and look for a planning approach built on listening, education, and long-term partnership. If you're in the Harford County area, our team is always available for a conversation to help you explore whether we’re the right fit.
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A financial planner helps you make informed decisions about your money, both today and over the long term. At The Kelly Group, this includes retirement planning, investment management, tax-aware strategies, college planning, estate considerations, and coordinating financial decisions that impact your family or business. The goal is to create clarity around your financial life and support you through each stage of your journey.
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Both! We partner with individuals, families, federal employees, and business owners across Harford County. Whether you’re planning for retirement, growing your family, or preparing your business for the future, we offer guidance tailored to your goals and the decisions that matter most in your life.
What to Expect When Working With Our Financial Advisors
Our approach is rooted in clarity, connection, and long-term partnership:
Step 1: Understanding Your Story
Every relationship begins with listening. We take time to learn about your goals, values, and financial circumstances so we can understand what matters most to you and your family.
Step 2: Developing a Customized Plan
From there, we create thoughtful, personalized recommendations aligned with your objectives, risk tolerance, and stage of life. When appropriate, we collaborate with your attorneys, CPAs, or insurance professionals to help ensure your plan is cohesive and coordinated.
Step 3: Building an Ongoing Relationship
Financial planning isn’t a one-time event. As life changes, we remain actively involved, offering guidance, proactive reviews, and support for both major milestones and everyday decisions. Many Harford County families view our team not just as advisors, but as trusted partners for the long term.
Planning Guides & Financial Insights
Looking to learn more before you meet with us? Explore our free resources:
Take Control of Your Financial Future
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.