Centuria Financial Group is a financial planning and wealth management office located in Finksburg, Maryland, serving individuals, families, and business owners throughout Carroll County and surrounding communities. We help clients organize their financial lives, understand their options, and make informed decisions with greater clarity and confidence. Our approach begins with what matters most to you. We take time to understand your goals, current financial picture, priorities, concerns, and the people or causes you want your wealth to support. From there, our team develops personalized strategies designed to connect the different areas of your financial life rather than addressing each decision in isolation.

Our services include comprehensive financial planning, retirement planning, investment management, portfolio analysis, risk management, education funding, cash-flow and net-worth analysis, Social Security and pension planning, insurance planning, annuity guidance, business-owner planning, and estate and legacy planning strategies. When appropriate, we coordinate with your attorney, tax professional, and other advisors to help keep your broader plan aligned.

Clients often come to us when they are preparing for retirement, changing jobs, considering a 401(k) rollover, managing an inheritance, reviewing insurance needs, planning for a child's education, navigating a major life transition, or seeking a more organized and proactive approach to their finances. We also work with business owners on personal and business financial planning, employee benefits, insurance protection strategies, and succession considerations.

Financial planning is not a one-time event. Our process is collaborative and ongoing: we gather and organize relevant information, analyze your circumstances, present recommendations and possible scenarios, help establish an implementation timeline, and review your progress as your life and priorities evolve. Clients also have access to modern planning technology that can provide a consolidated view of accounts, spending, investments, goals, and important documents.

Our team includes professionals who hold advanced industry designations, including CFP®, WMCP®, ChFC®, CLU®, and RICP®. This breadth of knowledge supports a team-based approach to complex planning needs while keeping recommendations grounded in each client's individual circumstances, time horizon, and comfort with risk.

At Centuria Financial Group, we believe thoughtful financial guidance should be personal, understandable, and connected to real life. Our goal is to give clients a clear framework for making financial decisions today while staying focused on the people, priorities, and legacy that matter most over time.

Securities and investment advisory services are offered through LPL Enterprise (LPLE), a registered investment adviser, Member FINRA/SIPC, and an affiliate of LPL Financial. LPLE and LPL Financial are not affiliated with Centuria Financial Group.

Get a free financial plan

What if you didn't need to be ultra-wealthy for personal, top-to-bottom financial guidance and investment advice? Since 1986, we've helped millions of people get the ball rolling on their financial plans — with straightforward guidance built around their story and where they're headed next. Today, we're proud to be one of America's top independent investment advisory firms as ranked by Barron's (awarded September 2025, based on prior 12-month data through June 30), with nearly 1.25 million clients and more than $314 billion assets under management (as of March 31, 2026) — and prouder still of the trust clients place in us.

The Barron's Top 100 RIA Firms list, an annual ranking of independent advisory firms, is based on qualitative and quantitative criteria. Firms elect to participate but do not pay to be included in the ranking.

David has nineteen years of experience in the financial services industry. He grew up in Ellicott City, Maryland and traveled south to The Georgia Institute of Technology to earn a degree in engineering. After graduation, David decided to apply his education to the field of finance, joining The T. Rowe Price Group in Baltimore to start his career. In 2011, he launched Middleton Advisory LLC and offered financial advisory services to the public. David earned the CERTIFIED FINANCIAL PLANNER (TM) designation by taking coursework through New York University and passing a two day, ten hour exam. David also earned the Accredited Investment Fiduciary® designation by taking coursework though Stetson University and passing an exam. David is passionate about offering investment education to the public and providing financial planning and investment management to qualified clients. He lives in Burtonsville, Maryland with his wife and two kids.

Middleton Advisory is a fee-only Registered Investment Adviser in Bethesda, MD, founded by David Middleton to begin his private practice. Services are offered in the entire state and surrounding areas, with the ability to take on clients across the country. David's mission is to help clients implement the best possible investment strategies based on their unique needs.

After several years of experience at T. Rowe Price, David founded a completely independent firm, with no obligation to any broker-dealer or investment company. This allows Middleton Advisory to completely avoid investments that carry sales loads or commissions. Instead, a variety of low-cost investment funds are used to implement prudent strategies, following the principles of diversification and asset allocation.

I take a client-first approach focused on helping my clients navigate through the complex and emotional financial decisions that surround their lives.
I concentrate on doing three things for my clients and ask one in return. I help them:
- Simplify their financial lives
- Generate the necessary returns and income to sustain the lifestyle they desire now and in retirement
- Build a legacy for the ones they love and the things they care about.
What I ask in return: should my clients have a question on anything financial, I expect to be the first phone call.

As a CFP^®, I am held to the highest professional and ethical standards. With over 12 years experience, I help remove the guesswork and help you understand the implications of all financial decisions.

I take time to educate my clients, never losing sight of each individual's risk tolerance, time-frame, and experience. My comprehensive approach to helps you realize your financial goals.

I'm Most Proud Of: Hearing from clients about how financial planning helped improve their life, overcome challenges, and develop confidence for the future. There's nothing better!

Prudential Advisors is a renowned financial services leader with a rich history of helping individuals and institutions pursue financial security and prosperity.

We are dedicated to providing comprehensive financial planning and advisory services. Our mission is to help individuals, families, and businesses achieve their financial goals through personalized and strategic financial solutions.

At Facet, it's simple. Financial planning should be for everyone (not just the wealthy). It starts with a flat membership fee (which won't change even as your money grows) that sets us apart from traditional firms. Every Facet member works with a CERTIFIED FINANCIAL PLANNER^™ professional who puts you first and will adapt and evolve your personalized financial roadmap as your life and needs change. Book a free, no obligation intro call with Facet today to learn about membership options.