Our Role as Trusted Advisor

FINANCIAL PLANNER IN BALTIMORE MARYLAND

Geier Asset Management is a comprehensive financial planning firm located just outside of Baltimore, Maryland. As a registered Investment Advisor (RIA), we serve as a fiduciary for our clients and take that duty very seriously. We strive to ensure our investment advice is reasonable, objective, and suitable for the client’s needs, goals, and circumstances.

Geier has qualified and experienced financial advisors that can guide you throughout your career and into retirement. With a staff equipped with numerous Certified Financial Planners™ and Certified Public Accountants, we can handle your financial planning, investment, and tax needs.

To speak with one of our financial planning advisors, call us today.

UNDERSTANDING ADVISOR COMPENSATION

Before the passage of the Investment Advisors Act of 1940, most stocks, bonds, and other investment products were sold by stock “brokers.” These people acted as middlemen between the person who would like to sell the stock and the one who would like to buy. The broker would collect a commission on the sales price of the transaction. For example, if someone bought 100 shares of XYZ Company for a total of $10,000, the broker would collect a commission of say, 5%, or $500. In an isolated transaction such as this, everyone was happy. The seller was able to sell the security at a fair price, the buyer was able to purchase it also at a reasonable price, and the broker was compensated for his work.

However, built into this system was the incentive for the broker to increase the number of transactions placed every year. The more transactions he represented, the more he would earn in commissions. Because the broker was an employee of the brokerage company, his loyalties were with his employer. The more the employer transactions completed, the larger the broker’s bonus would be. So, many brokers began to find various reasons why their clients should buy and sell many different equities throughout the year, as opposed to holding them for longer terms. Many clients were unsophisticated and did not understand what was happening. Unscrupulous brokers made fortunes selling questionable securities to the public.

After the stock market crash of 1929 and the years after, Congress investigated the many corrupt practices of the worst abusers and put into law the Investment Advisers Act of 1940. This Act formed a new and different kind of investment professional, the Investment Adviser. The Act made it a legal requirement that advisors be registered with the Securities and Exchange Commission while abiding by a specific set of rules.

The most stringent of the rules is that an Investment Advisor has a fiduciary duty to his or her client. This means the client’s interest must be put first. What developed from this is the practice of advisors to charge fees on the value of a client’s portfolio, rather than earn commissions on individual transactions as a broker does.

From retirement planning to investment advisory, our fee-based financial planners in the Baltimore area can help. Contact us to learn more.

HOW IS GEIER ASSET MANAGEMENT COMPENSATED?

Geier Asset Management is technically a fee-based advisor located in Baltimore, Maryland. Given the comprehensive nature of our service menu and in an effort to address risk management appropriately for our clients, we have the ability to provide term life and whole life insurance. Our clients take solace knowing the insurance piece of their financial planning puzzle is accounted for.

THE INVESTMENT PLATFORM

To maintain the integrity of the relationship and to ensure our goals are aligned, Geier Asset Management investment advisory clients compensate us directly as a percentage of the assets that we manage.

We have a custodial relationship with Fidelity Investments, one of the largest and widely respected providers of investment products. As an independent RIA, our open architecture platform grants our clients access to every investment vehicle available. Most of our investment offerings from Fidelity are obtained without transaction costs to the client. Geier Asset Management does not receive any compensation from transaction fees, performance fees or commissions. Our fees are simply as a percentage of the total portfolio.

OUR FIDUCIARY DUTY

At Geier Asset Management, we take our fiduciary duty seriously. Both the SEC and CFP Board of Standards oversee our operations and govern our fiduciary responsibilities. Our clients’ interests and goals are at the forefront of our decision making. We remain loyal to our clients and deal with them equally and fairly. Our “client-first” culture has enabled us to maintain long-lasting and trusting relationships over our thirty years in the industry.

Contact Geier Asset Management for investment advice in Baltimore, Maryland.

BENEFITS OF WORKING WITH GEIER AS YOUR BALTIMORE COMPREHENSIVE FINANCIAL ADVISOR

We have been planning for our clients’ futures for the past 30 years. Whether you are young professional, building a family, or approaching retirement, we have the knowledge and experience to lead you in the right direction. The ability for us to generate a financial plan, implement an investment strategy, and handle your income taxes makes our firm a true one-stop shop for all your financial needs.

Making wise financial decisions now will result in a better life for your family in the future. If you are looking for an independent, trustworthy, and comprehensive Baltimore fee-based financial advisor, look no further than Geier Asset Management. Call us today to speak with an experienced financial planner.

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It’s never too early to start planning. Reach out to one of our advisors today to get your future started.

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Who We are


Meet our dedicated and experienced team at Geier Asset Management. We handle tax planning, investment management, financial planning, and retirement plan services for clients nationwide.
Joseph N. Geier, CPA

President/Client Manager
Brian Woods

Vice President/Client Manager
Gregory Palacorolla, CFP®

Director, Wealth Management
Daniel Mules, CPA

Client Manager
Brendan Winkler, CPA

Portfolio Accountant
Deborah Kresslein

Portfolio Administrator
Julie Keller

Executive Assistant