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ABEL Financial Management Co.

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Client assets under management

$115,549,858

Clients

84

50% high-net worth

Advisors

2

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

42

Typical

Average account size

$1,375,594

About

The firm provides comprehensive financial management and planning primarily to individual clients, including high‑net‑worth households, and also works with corporations, families, and employers that offer employee financial planning as a benefit. Services include discretionary portfolio management, investment consulting, and standalone financial planning and consulting engagements.

The firm implements client portfolios using a mix of independent model portfolios available through an affiliation with Congress Wealth Management and internally constructed strategies when a model is not a good fit. Investment decision‑making relies on valuation metrics (P/E, P/S, P/B), a quantitative portfolio‑optimization model and market‑cycle analysis, and portfolios are implemented with ETFs, mutual funds, individual fixed‑income securities and government instruments.

A distinctive feature is the firm’s operating affiliation with a separate CPA practice: one of the firm’s principals continues to operate an accounting firm and some accounting clients overlap with advisory clients, which the firm cites as a means to incorporate tax and accounting considerations into planning. The advisory team is small and experienced (two advisors managing about $117 million, largely on a discretionary basis) and includes advisors with CFP and insurance licenses, creating an advisory model that blends investment management with tax and insurance coordination.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) General tax planning

Occupation focus

Founder/Business Owner Retired

Fee options

Percentage

$0 - $200,000: N/A (minimum fee applies) $200,001 - $500,000: 1.25% $500,001 - $750,000: 1.15% $750,001 - $1,000,000: 1.10% $1,000,001 - $2,000,000: 1.00% $2,000,001 - $3,000,000: 0.90% $3,000,001 - $4,000,000: 0.80% $4,000,001 - $5,000,000: 0.70% $5,000,001+: Negotiable

Other

Account minimum: $200,000 minimum for $2,500 minimum fee (can be waived at discretion) Minimum fee: Minimum fee of $2,500 for clients with less than $200,000 under management, waiver possible at discretion Fee-only: Financial consulting fees up to $10,000 annually; $1,500 minimum for one-time consulting meeting

Main office location

ABEL Financial Management Co.

Eldersburg MD, United States

Number of offices

2

Most active in

More info

Maryland · Texas

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Website 443-812-5459

Advisors at this firm

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Steve S

CFP®

Eldersburg, MD

ABEL Financial Management Co.

Hi, I'm Steve. I've loved financial planning ever since I was a kid watching the ticker tape on CNBC as my mom, a homemaker learned about finances herself. I grew up in a very frugal household who taught me about working hard and saving for the future. My mother was a homemaker or "domestic engineer" as she calls it and my father was a federal employee. I was fortunate to be introduced to Rita Abel and become the owner of her small, family owned financial planning firm in 2019. Today we work with approximately 60 families. What makes us unique is our passion to be "accountability partner's" for our clients to ensure they take care of the important financial matters in their lives. We are part financial advisors and party financial therapists for our married couples but most importantly we are organized, proactive and have a passion for financial planning. Looking forward to meeting and if you want to know more, I encourage you to read our google reviews online. Just search "Abel Financial Reviews" in google.

Roth conversion strategy Early retirement planning General tax planning Inheritance planning Wealth management Retired Executive Military & Veterans Government Employee Biotech Professional Established Professionals Approaching retirement
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Rita A

CFP®, PFS™, Series 63

Eldersburg, MD

ABEL Financial Management Co.

Rita Abel is a CFP® and PFS™ credentialed advisor with 18 years of experience in financial services. She has been with ABEL Financial Management Co. since 1994 and has operated her own CPA practice since 1991. Abel serves as a trustee for a client’s insurance trust and is a member of the AICPA and MACPA. ABEL Financial Management Co. provides comprehensive financial management and planning primarily to individual clients, including high-net-worth households, as well as corporations and families. The firm combines independent model portfolios and internally developed strategies, integrating tax and accounting considerations through its affiliation with a CPA practice.

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) General tax planning Founder/Business Owner Retired
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