Elliot Pepper
CPA, CFP®, MST
Northbrook Financial
Founder and Financial Planner
Elliot Pepper
CPA, CFP®, MST
Northbrook Financial
Founder and Financial Planner
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Elliot Pepper, CPA, CFP®, MST
Fee-Only financial planner located in Baltimore, MD, serving clients locally and across the country
Elliot Pepper a Baltimore, MD fee-only financial planner. Northbrook Financial provides comprehensive and objective financial planning, investment management, and tax services to help individuals and families organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Elliot Pepper is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Prior to launching Northbrook Financial, Elliot Pepper – a summa cum laude graduate of University of Maryland and University of Baltimore – worked in the tax practice of Ernst & Young, a “Big 4” global accounting firm, and Brown Advisory, a multi-national investment advisory firm. With strong tax technical acumen and a deep understanding of personal financial behavioral habits, Elliot connects with his clients by providing objective and actionable advice in relatable laymen’s terms.
When he’s not reading up on the latest changes to the tax code, Elliot enjoys spending time with his wife, daughter, and two sons. An avid runner and basketball fanatic, he has completed multiple marathons and loves playing and watching basketball with friends and family. He is also a self-described book worm and particularly enjoys reading about behavioral economics, financial markets, and anything related to big wave surfing!
Elliot Pepper 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.
We are a fee-only financial planning firm that provides education, financial advice, investment management, and tax services to individuals and families. With our expertise in investment strategies, budgeting, stock options and equity award planning, we’re uniquely positioned to assist our clients by combining the worlds of tax planning and financial planning.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- 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
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Elliot Pepper is a NAPFA-Registered Financial AdvisorThe 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.
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Elliot Pepper is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Elliot Pepper is a Certified Public Accountant (Learn More)A Certified Public Accountant (CPA) is a professional accountant who has met the education and experience requirements set by their state's Board of Accountancy and has passed the Uniform CPA Exam. CPAs are licensed to provide a wide range of accounting services, including financial statement preparation, tax planning and preparation, auditing, consulting, and other financial advisory services.
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Elliot Pepper is a Member of the XY Planning NetworkThe XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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Elliot Pepper Appear in the PTIN Directory - The National Directory of Registered Tax Return Preparers & Professionals
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Elliot Pepper is Quoted on BankRate.com: "What is an IRA CD?"
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Elliot Pepper is Quoted on NextAdvisor: "How to get a Home Equity Loan with Bad Credit"
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Elliot Pepper is Quoted on Bloomberg: "Buy Silver After GameStop (GME) Surge? Reddit Mania Could Be At Risk"
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Elliot Pepper is Quoted on Tribune News: "David McMillin: 7 financial steps to take after buying your first home"
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Elliot Pepper is Quoted on CNBC: "INVEST IN YOU: READY. SET. GROW. If you did any of these 7 things in 2020, you may need to start setting aside money for taxes"
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Elliot Pepper is Quoted in the Wall Street Journal: "How to Make Money Decisions When the Future Is Uncertain"
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Elliot Pepper is Quoted on RIA Intel: "Breadth and Depth: Why Clients Are Favoring Mercer, Avantax, and Other Wealth Managers"
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Elliot Pepper is Quoted on Money Talks News: "4 Ways to Get Better Returns Than CDs"
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Elliot Pepper is Quoted on Rally: "Is It Safe to Spend Money Right Now?"
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Elliot Pepper is Quoted on NerdWallet.com: "Calibrate Your Emergency Fund to a Crisis-Prone World"
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Elliot Pepper is Quoted on The Balance: "How to Merge Finances"
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Elliot Pepper is Quoted on Funding U: "Answer These Questions Before Picking a Bank in College"
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Elliot Pepper is Quoted on NextAdvisor: "HOA Fees: What are They, and What Do They Cover?"
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Elliot Pepper is Quoted on Bloomberg: "Bloomberg Wealth: Where to Invest $1,400"
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Elliot Pepper is Quoted on Mint: "Retirement 101: Can I Actually Retire at 65?"
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Elliot Pepper is Quoted on BankRate.com: "The best budgeting apps to make your smartphone your wallet’s best friend"
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Elliot Pepper is Quoted on Kiplinger: "Emergency Funds: How to Get Started"
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Elliot Pepper is Quoted in ThinkAdvisor: "Advisors' Advice: What Was Your College Major? — Part 1"
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Elliot Pepper is Quoted on CNBC: "26% of Americans have taken advantage of some type of payment deferral plan"
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Elliot Pepper is Quoted on BankRate.com: "Second home vs. investment property: Different mortgage rates and requirements"
Contact Elliot Pepper
Office Locations:
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1340 Smith Ave
Suite 200
Baltimore, MD 21209
