Compound Advisory
Compound Advisory is a fee-only fiduciary Registered Investment Adviser based in Annapolis, Maryland. We help retirees, business owners, and high-net-worth families nationwide coordinate retirement income, taxes, investments, Social Security, insurance, and estate decisions inside one integrated plan.
We were built for the household that has done the saving and now needs the planning. The portfolio is rarely the hardest decision. The hardest decision is usually the order of operations — which account to draw from first, when to convert to Roth, how to time Social Security and Medicare, when to take capital gains, and how to keep the next generation from inheriting an avoidable tax bill. That is the work.
Our Compound Cultivator™ methodology treats retirement, tax, investment, and estate decisions as one connected system. The Compound Combine™ is how we measure the household — income readiness, tax drag, portfolio risk, insurance gaps, and estate clarity — so every recommendation we make is anchored to what is actually true about your numbers, not a template.
We are independent, fee-only, and fiduciary on every account. We do not sell products. We do not take commissions. We do not run model portfolios by age. Every plan we build is for a specific household and a specific decade.
Compound Advisory LLC (compoundadvisory.co) is a fee-only fiduciary RIA based in Annapolis, MD. Not affiliated with Compound Planning Inc. (compoundplanning.com).
Most of the families who hire us are between 50 and 75, holding between $1M and $25M in investable assets, and approaching or already inside the transition years. That is the window where small planning decisions compound into very different outcomes — and where the wrong default can cost six or seven figures over a 30-year retirement.
We coordinate retirement income, tax planning, investment management, Social Security timing, insurance review, and (for business owners) exit planning into a single household strategy. When something changes — a sale, a market move, a Medicare year, a new tax law — every other moving part of the plan is updated alongside it.
Schedule a complimentary Retirement Clarity Assessment to walk through your situation with an advisor and see where the highest-impact decisions live in your household.
A retirement plan does not work if your health does not last. Here is why the 'healthy' packaged food aisle is mostly marketing, and why the outside edges of the grocery store are still the cleanest way to eat.
The hardest part of investing is not picking the right fund. It is staying in your seat when the headlines tell you to run. Here is what 40 years of data say about the cost of stepping out.
Compound interest is the most powerful force in money, but only if you never interrupt it. Here is the framework we use to protect decades of compounding for our clients and their families.
The market just did exactly what it always does. The people who panicked missed it. Here's why the ones sitting on their hands are the ones winning.
Japanese government bond yields just hit levels not seen in 17 years. Here's why that matters for your portfolio, even if you own zero Japanese bonds.
Compound Advisory is fee-only. The firm charges a transparent annual advisory fee based on managed assets and earns no commissions, kickbacks, or product compensation. Planning-only engagements are quoted separately when an investment relationship is not the right fit.
No. Compound Advisory is based in Annapolis, Maryland and serves clients across all 50 states through secure video meetings and cloud-based planning tools. Most client relationships are virtual.
Client assets are held at independent third-party custodians, including Altruist and Charles Schwab. Compound Advisory does not take custody of client assets.
Households between 50 and 75 with $1M+ in investable assets who want a coordinated retirement, tax, and investment plan — not just a portfolio. We also work with business owners preparing for an exit and high-income professionals in their peak earning years.
The Compound Cultivator™ methodology coordinates investments, taxes, income, insurance, and estate planning into one integrated retirement strategy. Every recommendation considers the household's complete financial picture, not just the account we are looking at.