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.
|Firm Start Year:||2010|
|States Licensed in:||MD|
|Number of Years with Current Firm:||3|
|I work with the following types of clients:||Individual Investors, Businesses, Non-Profit Organizations|
|Investment Types:||Mutual Funds, Bonds, Exchange Traded Funds (ETFs), Stocks, Socially Responsible Investments (SRI)|
|I can meet clients in the following ways:||At my office, At your home, At your office, Via phone, Via email|
Qualifications & Memberships
|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:||Fee Only|
|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.|
|Bachelors of Science - Mechanical Engineering||
Georgia Institute of Technology - Atlanta, GA
|Certificate in Financial Planning - Financial Planning||
New York University
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.
Financial Planning for Individuals
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.
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 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.
|All. In some cases||state registration will be required prior to signing a contract.|
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