Charles  Ryan

Charles Ryan

| CFP®

Atlantic Financial Planning

(443) 822-5615

Contact Me

Fee-Only Financial Planner serving the Annapolis, MD area.


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting


Visit Us

1997 Annapolis Exchange Parkway
Suite 300
Annapolis, MD 21401

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Charles Ryan is a Annapolis, MD Fee-Only Financial Planner serving Annapolis and all surrounding areas. Charles Ryan specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Charles Ryan is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.
Prior to starting his own practice, Charlie worked for several fee-only financial planning firms.  He has also worked as a financial planning software developer which helped him gain a deep technical understanding of how a financial plan should be optimally integrated.

Additionally, he is a financial researcher whose work has been published in the Journal of Financial Planning and featured in The Wall Street Journal.  He earned a Bachelor of Science, magna cum laude, Finance from Northeastern University.  He is a retired Navy commander.
Atlantic Financial Planning is an independent financial planning and investment advisory firm registered in Maryland and Washington, D.C. providing personal financial planning solutions on a fee-only basis.
We easily accommodate out-of-state clients via virtual meeting technology.

Fee-Only Compensation and a Fiduciary Role

Atlantic Financial Planning does not receive commissions, sell financial products, or charge fees based upon a percentage of clients' assets or net worth.  Fees are determined on an hourly basis.   All fees are fully disclosed before an engagement begins.

For a simplified illustration of how our fee-only approach compares to the compensation structures of Commission-Based and Fee-Based planners, please click here: How Financial Advisors Are Paid. 

Our purely fee-only approach enables us to act in a true fiduciary capacity, providing straight-forward, unbiased advice; putting the best interests of our clients first at all times.

You can learn more about working with a fee-only advisor here.

The Securities and Exchange Commission (SEC) also provides valuable information about choosing an Investment Advisor. To read more, click here to view Investment Advisers: What You Need to Know Before Choosing One
An Independent Practice with Trusted Affiliations
Atlantic Financial Planning is entirely independent.  The practice is not affiliated with any banks, insurance companies, brokers or other financial institutions.

We are a member of NAPFA (the National Association of Professional Financial Advisors) the nation’s largest, and most trusted fee-only financial planning association.

An Open-Door Approach to Planning
There are no income or net worth minimum requirements . The company’s unique approach to engagements puts financial planning, guidance, and education within the reach of individuals and families of all income levels.  Our clients include young families, retirees, corporate and government employees, teachers, business owners, and even recent college grads.