Bachelors of Science

Certificate in Financial Planning

David Middleton - Financial Advisor in Bethesda, MD | WiserAdvisor.com

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. <br><br>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.

Middleton Advisory

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.

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 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?  

I can help you understand the spectrum of possibilities for the future and manage your investments based on your goals.

In my opinion, annuities should have a very limited role 
in your financial plan.  Generally, paying an insurance 
company to insure your portfolio's income generation is 
more costly then it's worth.  Often it's better to delay 
social security payments for a higher minimum benefit 
later in life and manage your portfolio with the 
understanding that principle is not guaranteed.

Wealth Management is the combination of investment management and financial planning into a holistic and long-lasting relationship. This relationship involves coordinating with your tax advisor, attorney, and insurance agent.

Middleton Advisory

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