Centuria Financial Group

Centuria Financial Group is a financial planning and wealth management office located in Finksburg, Maryland, serving individuals, families, and business owners throughout Carroll County and surrounding communities. We help clients organize their financial lives, understand their options, and make informed decisions with greater clarity and confidence. Our approach begins with what matters most to you. We take time to understand your goals, current financial picture, priorities, concerns, and the people or causes you want your wealth to support. From there, our team develops personalized strategies designed to connect the different areas of your financial life rather than addressing each decision in isolation.

Our services include comprehensive financial planning, retirement planning, investment management, portfolio analysis, risk management, education funding, cash-flow and net-worth analysis, Social Security and pension planning, insurance planning, annuity guidance, business-owner planning, and estate and legacy planning strategies. When appropriate, we coordinate with your attorney, tax professional, and other advisors to help keep your broader plan aligned.

Clients often come to us when they are preparing for retirement, changing jobs, considering a 401(k) rollover, managing an inheritance, reviewing insurance needs, planning for a child's education, navigating a major life transition, or seeking a more organized and proactive approach to their finances. We also work with business owners on personal and business financial planning, employee benefits, insurance protection strategies, and succession considerations.

Financial planning is not a one-time event. Our process is collaborative and ongoing: we gather and organize relevant information, analyze your circumstances, present recommendations and possible scenarios, help establish an implementation timeline, and review your progress as your life and priorities evolve. Clients also have access to modern planning technology that can provide a consolidated view of accounts, spending, investments, goals, and important documents.

Our team includes professionals who hold advanced industry designations, including CFP®, WMCP®, ChFC®, CLU®, and RICP®. This breadth of knowledge supports a team-based approach to complex planning needs while keeping recommendations grounded in each client's individual circumstances, time horizon, and comfort with risk.

At Centuria Financial Group, we believe thoughtful financial guidance should be personal, understandable, and connected to real life. Our goal is to give clients a clear framework for making financial decisions today while staying focused on the people, priorities, and legacy that matter most over time.

Securities and investment advisory services are offered through LPL Enterprise (LPLE), a registered investment adviser, Member FINRA/SIPC, and an affiliate of LPL Financial. LPLE and LPL Financial are not affiliated with Centuria Financial Group.

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