Charles Ryan


Atlantic Financial Planning

Financial Advisor

Charles Ryan


Atlantic Financial Planning

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Charles Ryan, CFP®

(443) 822-5615

Fee-Only financial planner located in Annapolis, MD and Washington, DC serving clients locally and across the country

Charles Ryan is an Annapolis, MD fee-only financial planner. Atlantic Financial Planning provides comprehensive and objective financial planning and investment planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Charles Ryan is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Prior to starting his own practice, Charlie Ryan 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.

Charles Ryan is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.
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.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

Contact Charles Ryan

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Office Locations:

  • 1997 Annapolis Exchange Parkway
    Suite 300
    Annapolis, MD 21401
  • 1101 Pennsylvania Ave NW
    Suite 300
    Washington DC, DC 20004

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