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.
Our Team
David is a Financial Planner and founding member of Centuria Financial Group, where he helps clients gain clarity and confidence around their retirement outlook. Since entering financial planning in 2008, and the broader financial services industry in 1998 as a mortgage lender, David has developed a deep appreciation for the importance of cash flow, tax awareness, and thoughtful long-term planning.
Clients often appreciate David's reassuring, educational, and analytical communication style, as well as the team-based approach at Centuria. He believes that great planning is built on trust, experience, and genuine care for each clients future. His WMCP®, ChFC®, and CLU®,designations reflect his commitment to industry knowledge and to helping clients make informed decisions across retirement, insurance, and broader financial planning needs.
He is proud of the way the Centuria team has grown into a unified group with a shared vision of providing an exceptional client experience while helping individuals and families pursue their personal goals.
David currently resides in Finksburg, Maryland, with his wife, Jennifer, and their two children, Madeline and Patrick. As someone balancing family life, children entering adulthood, and caring for aging parents, David personally understands many of the transitions his clients face. Outside of work, he enjoys traveling with his family, especially to Colorado, attending concerts, following sports, and spending time with the family dog, Cooper.
Nathaniel is one of the founding members of Centuria Financial Group. Nathaniel currently resides in Finksburg, Maryland, with his wife Amy. He and his wife were both born and raised in Carroll County. Ironically enough, Nathaniel and Amy grew up 10 minutes apart but didn't meet until after college. His wife, Amy, is a pediatric nurse at Childrens National Hospital in Washington, D.C. Nathaniel and Amy have 2 cats, Milo and Tito, and a very energetic dog, Mosely.
Prior to joining Centuria, Nathaniel attended Towson University where he completed his degree in Finance. He also served as the Director of Communications in the Towson University Investment Group (TUIG) where he got hands on experience managing a stock portfolio before graduating. While attending Towson, Nathaniel studied for and completed his Series 7 exam so that he could begin financial advising right when he graduated.
After graduating, Nathaniel knew it was important to continue his education. He immediately began studying for his RICP®, designation to help build credibility. After completing his RICP®, classes, he began taking the required courses to obtain his CFP®, which he now has.
In addition to furthering his education, Nathaniel knew the importance of networking in the local community. He started a BNI chapter in Westminster which got up to 18 members at its peak. He also joined the board of the South Carroll Business Association (SCBA) where he served for 6 years. He is currently the president of Results Networking Group that meets weekly in Mt. Airy.
Nicholas is a founding member of Centuria Financial Group. He currently resides in Hampstead, Maryland, with his wife, Becca, and their daughter, Lyla.
After completing his undergraduate degree, Nicholas began his career in the financial services industry. He started as an assistant, using that time to learn the business from the ground up while studying to obtain his professional licenses. After completing his securities licensing, Nicholas continued his education by pursuing the Certified Financial Planner® designation, recognizing the important role education plays in helping clients make informed financial decisions. He earned the CFP®, designation in 2022.
Before beginning his career in financial services, Nicholas was a member of the McDaniel College mens soccer team. He served as team captain for three years and earned All-Conference recognition during his senior season. Outside of work, Nicholas enjoys spending time with his family. They especially enjoy trips to the beach and spending as much time outdoors as possible.
Nicholas has a passion for helping clients pursue their financial goals. Whether they are just getting started or approaching retirement, he strives to be there every step of the way with thoughtful guidance, education, and support.
Sara currently resides in Westminster, Maryland, with her husband, Brian, and their daughters, Brinlee and Josie.
Prior to joining Centuria Financial Group, Sara attended Shepherd University. After graduating, she began her professional career in marketing and social media, where she developed a strong appreciation for communication, organization, and building meaningful connections. Her background has helped shape the thoughtful and detail-oriented approach she brings to her role with the team.
At Centuria Financial Group, Sara enjoys being part of a team that values relationships, service, and helping clients feel supported throughout their financial journey. She takes pride in contributing to a positive client experience and helping ensure that each interaction feels welcoming, professional, and personal.
Outside of work, Sara enjoys spending time with her family. She especially loves being with her daughters, nieces, and nephews, and values the time they spend together making memories.
Molly currently resides in Eldersburg, Maryland. She is a graduate of Millersville University, where she developed a strong foundation in communication, teamwork, and personal growth.
At Centuria Financial Group, Molly enjoys being part of a team that values strong relationships and a thoughtful client experience. She brings a warm, approachable presence to her role and takes pride in helping clients feel welcomed, supported, and cared for throughout their interactions with the team.
Outside of work, Molly enjoys spending quality time with her family and friends, especially her niece and nephew. She also has a background in competitive ice skating, an experience that helped shape her discipline, focus, and attention to detail. In addition, Molly has been actively involved in community theater, where she has enjoyed the opportunity to connect with others, be creative, and contribute to local productions.
2020
5-9 Employees
RPI100009862
LPL Enterprise
LPL Enterprise
AZ, CA, CO, DE, FL, GA, IL, KS, MD, MS, NY, NC, PA, TX, VA, WV, WI
Adamstown, Alesia, Ballenger Creek, Bark Hill, Bartonsville, Braddock heights, Bruceville, Brunswick, Buckeystown, Burkittsville, Carrollton, Carrolltowne, Charlesville, Clover Hill, Creagerstown, Detour, Discovery, Eldersburg, Emmitsburg, Feesersburg, Finksburg, Frederick, Frizzellburg, Gaither, Gamber, Garfield, Graceham, Green Valley, Greenmount, Hampstead, Harney, Henryton, Ijamsville, Jasontown, Jefferson, Keymar, Keysville, Knoxville, Ladiesburg, Lake Linganore, Lewistown, Libertytown, Lineboro, Linganore, Linwood, Louisville, Manchester, Maple Grove, Marriottsville, Marston, Mayberry, McKinstry's Mill, Melrose, Middleburg, Middletown, Millers, Monrovia, Mount Airy, Mount Pleasant, Mountaindale, Myersville, New Market, New Midway, New Windsor, Patapsco, Petersville, Pleasant Valley, Point of Rocks, Rocky Ridge, Rosemont, Sabillasville, Shipley, Silver Run, Smallwood, Snydersburg, Spring Garden, Spring Ridge, Starners Dam, Sunnyside, Sykesville, Taneytown, Taylorsville, Thurmont, Tuscarora, Tyrone, Union Bridge, Union Mills, Uniontown, Unionville, Urbana, Utica, Walkersville, Warfieldsburg, Watersville, Westminster, Winfield, Wolfsville, Woodbine, Woodsboro, Woodstock
6
David P. McCabe, WMCP®, ChFC®, CLU®, is a Financial Planner with Centuria Financial Group. He works with individuals, families, professionals, and business owners to help them understand their financial picture and develop personalized strategies aligned with their goals, priorities, and changing circumstances.
David's planning approach begins with listening. He takes time to understand what matters most to each client before analyzing their current finances, identifying potential opportunities, and presenting practical recommendations. His areas of focus include retirement planning, investment and portfolio analysis, cash flow and net worth planning, risk management, insurance planning, education funding, estate planning strategies, tax-aware planning strategies, Social Security considerations, and pension analysis.
Before entering the financial services industry, David attended Towson University and built his own company in the mortgage industry. That entrepreneurial experience gave him valuable insight into lending, business ownership, client service, and the financial decisions individuals and families face throughout their lives. He brings that practical perspective to his work as a financial planner.
David holds the Wealth Management Certified Professional® (WMCP®), Chartered Financial Consultant® (ChFC®), and Chartered Life Underwriter® (CLU®) designations. These credentials reflect advanced education in wealth management, comprehensive financial planning, and insurance planning.
As part of the Centuria Financial Group team, David follows a collaborative and ongoing planning process. Clients receive support in organizing their financial information, evaluating potential strategies, implementing appropriate recommendations, and reviewing their progress over time. Financial plans can be updated as a client's family, career, priorities, or financial circumstances evolve.
Securities and investment advisory services are offered through LPL Enterprise, a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial. LPL Enterprise and LPL Financial are not affiliated with Centuria Financial Group.
Businesses, Individual Investors, Non-Profit Organizations
Financial Advice & Consulting, Investment Advice & Management, Estate Planning & Trusts, Insurance Products & Annuities, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, Financial Planning
Disability, Variable Life, Long Term Care, Variable Annuity, Life, Health
Insurance, Annuities, Stocks, Bonds, Mutual Funds, Alternative Investments, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
Yes
Our Offices, Phone, Video Conference
Fee-Based
Commissions, Flat Fee, Hourly, Based on Assets
.8-1.50
350
130
300
$200,000,000
350
300
130
$200,000,000
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