Worthy Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$28,113,425
Clients
84
7% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
84
Very HighAverage account size
$334,684
About
Worthy Financial Services is an independent, single‑advisor registered investment adviser that provides fee‑based discretionary investment advice and portfolio management to individuals, high‑net‑worth individuals, trusts, estates, charitable organizations, corporations and business entities. The firm also offers fixed‑fee consulting and financial planning services, including retirement and education planning, estate analysis, life‑insurance review, cash‑flow and budgeting analyses.
The adviser uses a mix of charting, fundamental, technical and cyclical analysis and implements long‑term and short‑term trading as well as option‑writing strategies (including covered and uncovered options). Accounts are managed on a discretionary basis within client‑specified objectives, with ongoing monitoring and at least quarterly reviews and custodial statements provided directly by the custodian.
Noteworthy for a firm of its size, the principal maintains separate licensed insurance and tax‑preparation activities that the brochure discloses consume about five hours per month each and represent roughly five percent of annual compensation, a potential conflict the firm addresses in its disclosures and Code of Ethics. The firm also provides discretionary allocation recommendations for assets held inside variable annuity products and employer‑sponsored retirement plans, and manages approximately $28.1 million in discretionary assets while operating as a solo practitioner.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General retirement planning
Life insurance needs analysis
General estate planning guidance
Fee options
Fixed annual fees for consulting/planning clients ranging from $500 to $10,000 depending on scope and complexity
$0 - $999,999: 1.75% $1,000,000 - $1,999,999: 1.50% $2,000,000 - $4,999,999: 1.25% $5,000,000 - $9,999,999: 1.00% $10,000,000+: Negotiable
Fee-only: Fixed annual fees for planning clients ranging from $500 to $10,000 depending on complexity, negotiated in advance and payable in advance
Main office location
Worthy Financial Services
607 Nursery Road
Westminster MD 21157-6109, United States
Number of offices
1
Most active in
Worthy Financial Services has reported serving >5 clients in these states in the last 12 months.
Maryland · Pennsylvania
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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