David Middleton
Middleton Advisory
Suite 700
Bethesda, MD 20814
Independent Financial Advice
About Middleton Advisory
- CRD# 5398638
- Firm CRD# 155334
- Series: 65
7 Years of Experience
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.
General Information |
| Firm Start Year: | 2010 | |
| No.of Employees: | 1 | |
| States Licensed in: | MD |
| Number of Years with Current Firm: | 3 |
| I work with the following types of clients: | Businesses , Individual Investors , Non-Profit Organizations |
Services |
| Investment Types: | Stocks , Mutual Funds , Bonds , Exchange Traded Funds (ETFs) , Socially Responsible Investments (SRI) |
| I can meet clients in the following ways: | Via phone , Via email , At your home , At my office , At your office |
Qualifications & Memberships |
Compliance |
| Registered Investment Advisor: | Yes |
| Investment Advisor Representative: | Yes |
| I am an acknowledged fiduciary: | Yes |
| Compliance Disclosures in Last 5 years: | I have a clean record |
| Criminal Disclosures in Last 5 years: | I have a clean record |
Compensation and Fees |
| Fee Structure: | I am a Fee-Only financial professional |
| Minimum Portfolio Size for New Managed Accounts: | $500,000 |
| Compensation Methods: | Based on Assets |
| Fee % Based on Assets: | 0.92% |
| Additional Details on Charges: | An initial financial plan may be delivered for clients at a fee ranging from $450 to $1950, depending on complexity. After initial delivery, any additional planning is included with the ongoing investment management fee, 0.92% of managed assets. |
Education
| Bachelors of Science - Mechanical Engineering |
Georgia Institute of Technology - Atlanta, GA
-May 2007 |
| Certificate in Financial Planning - Financial Planning |
New York University
-May 2014 |
Faqs
- Do you have a customer satisfaction or refund policy? My client contracts may be cancelled at any time with 30 days advance notice. Fees are non-refundable.
- What are your qualifications? What is your education background? I have 8 years of experience, both with T. Rowe Price and now as a solo advisor. I am a CERTIFIED FINANCIAL PLANNER (TM) professional, having completed 5 courses through New York University and passing an exam. I earned the Accredited Investment Fiduciary® mark through Stetson University and a bachelors degree in engineering from The Georgia Institute of Technology.
- What is your approach to financial planning? I work as the lead advisor with your accountant, attorney, and insurance agent to deliver and manage a financial plan based on your unique needs. I manage your investment portfolio in conjunction with your financial plan and make changes as needed over time, using low-cost investment funds with the option of favoring socially and environmentally responsible corporations.
- What services do you offer? I offer financial planning and investment management for individuals and families. I also offer investment management, retirement plan advisory services, employee investment education and consulting services for institutions.
- How many clients do you currently manage? 22 accounts for 15 households as of 10/5/2015.
David Middleton
AIF, CERTIFIED FINANCIAL PLANNER™ Certificant
David has seven 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. As many STEM graduates do, David decided to apply his technical education to the field of finance and joined T. Rowe Price Group, Inc. in Baltimore to start his career in 2007. In 2011, he launched Middleton Advisory LLC and offered financial advisory services to the public. David has 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 holistic financial planning and investment management to qualified clients. He lives in Burtonsville, Maryland with his wife and son.
My Services
Financial Planning for Individuals |
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After thorough discussion and analysis, clients receive a financial plan from me that outlines the proper investments and strategies for their unique circumstances. I then implement the plan with a limited power of attorney agreement. Remember, I will never take custody of your assets and cannot transfer assets between accounts. |
Portfolio Management |
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Implementing an appropriate portfolio of investments is the heart of every wealth management plan. Every client is treated as a unique individual while finding the proper low-cost mix of stocks, bonds, commodities, and cash equivalents. Every one of a client's accounts, including IRA's, brokerage accounts, 401(k)'s and trusts are all considered as pieces of a whole. I use modern portfolio theory to construct an appropriate and diversified mix of investments with a reasonable expected rate of return based on market expectations, risk tolerance, and any special circumstances. If desired, Middleton Advisory clients are able to invest their portfolio in a way that favors companies fitting certain social and environmental criteria. Investing in this way allows you to express world views through your investments and exert a small influence on corporate decision makers who are ultimately driven by the price of their companies stock. This method does not necessarily require clients to accept lower rates of return. |
Retirement Planning |
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Retirement planning is about managing uncertainty. How long will you live? How much money will you need to spend every year after you retire? How much will your investment portfolio grow over time? How much will your children inherit? All of these factors are related. I can help you understand the spectrum of possibilities for the future and manage your investments based on your goals. Planning for retirement also requires me to coordinate with your tax advisor, attorney, and insurance agent. |
Communities Served
| All. In some cases | state registration will be required prior to signing a contract. |
Compensation Arrangements
| Check | Money Order |
| Bank Transfer | Visa |
| MasterCard | American Express |
| Diners Club | Discover |
Awards & Recognitions
(08/29/2012)
Investor Watchdog uses a proprietary algorithm to measure the quality of advisor credentials, ethics, and business practices. Professionals must score in the top 10% of Watchdogs vetting process to be profiled in its Paladin Registry more
Social Networks
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