David Middleton
Middleton Advisory

Tel: (202) 503-4015
3 Bethesda Metro Center
Suite 700
Bethesda, MD 20814

Independent Financial Advice

Middleton Advisory | Financial Advisor in Bethesda ,MD

About Middleton Advisory

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:   Individual Investors , Businesses , Non-Profit Organizations


Services

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

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 FiduciaryŽ mark through Stetson University and a bachelor?s 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.
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David Middleton

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 FiduciaryŽ 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.

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My Services


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.


Portfolio Management

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

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


Awards & Recognitions
Investor Watchdog 5 Star Rating
(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 Watchdog?s vetting process to be profiled in its Paladin Registry ? more

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