Home - Garritt Financial Solutions

We help individuals and families make confident financial decisions throughout
their careers and into retirement, with a special focus on educators, healthcare
professionals, young professionals, and first responders. Whether you're
building wealth or preparing to use what you've saved, we provide
personalized guidance to bring your financial life together.

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Financial planning for the life you're building
—and the retirement you've earned.

Fee-only financial planning.
Investment management when you want it.

We help individuals and families make confident
financial decisions throughout their careers and
into retirement, with a special focus on educators,
healthcare professionals, young professionals,
and first responders. Whether you're building
wealth or preparing to use what you've saved,
we provide personalized guidance to bring
your financial life together.

SCHEDULE A COMPLIMENTARY MEETING

Financial planning for the
life you're building—and the
retirement you've earned.

Fee-only financial planning.
Investment management when you want it.

You’ve dedicated your life to others.
Your financial plan should be dedicated to you.

Educators, healthcare professionals, and first responders deserve thoughtful financial guidance that respects their hard work, understands their benefits, and puts their interests first.

As a team with deep roots in education, we believe you should understand your financial decisions—not feel overwhelmed by them. We help you connect your money with what matters most, from building a strong foundation early in your career to enjoying a fulfilling retirement.

A coordinated plan for your financial life

From your first career decisions to your transition into retirement, we help you understand how the pieces fit together—and move forward with confidence.

Comprehensive Financial Planning

Bring your financial life together with a coordinated strategy for savings, debt reduction, investments, taxes, family priorities, and long-term goals.

Retirement Planning

Gain confidence through an independent review of what you’ve built. We help you evaluate when to retire, coordinate pensions and Social Security, and turn savings into income while balancing taxes, investment growth, and stability.

Investment Management

Delegate investment decisions and ongoing oversight, with a strategy aligned to your goals and stage of life.

Early-Career Planning

Build a strong foundation with guidance on budgeting, student loans, employer benefits, starting to invest, and saving for milestones like buying a home.

Student Loan Planning

Understand your repayment and forgiveness options and how they fit into your broader financial plan.

Choose ongoing guidance or a focused planning project. Investment management is optional.

EXPLORE OUR SERVICES & PRICING

Where are you in your financial journey?

You want to start strong, balance
competing priorities, and know you're
making thoughtful financial decisions.

Building Your
Foundation

You've made progress. Now you want
an independent perspective and a
coordinated plan for an increasingly
complex financial life.

Making the Most of
What You've Built

You've worked hard and saved. Now
you want confidence in when you can
retire and how to use what you've built.

Preparing for
Retirement

You want to start strong, balance
competing priorities, and know you're
making thoughtful financial decisions.

Building Your
Foundation

You've made progress. Now you want
an independent perspective and a
coordinated plan for an increasingly
complex financial life.

Making the Most of
What You've Built

You've worked hard and saved. Now
you want confidence in when you can
retire and how to use what you've built.

Preparing for
Retirement

EXPLORE OUR CLIENT STORIES

Why we’re different

As a stand-alone company unaffiliated with insurance companies, banks, or retirement providers, we exclusively make decisions in your best interest. We work for you and you only.

We are legally bound to always act in your best financial interest.

We do not take commissions from outside funding sources, freeing us from conflicts of interest and helping us focus on what is best for you.

Like you, we know the struggle of dedicating yourself to others and the frustrations that can come from also negotiating investments, retirement hopes, and other financial burdens. We aim to serve those who have served so many others.

Although our physical presence is in Baltimore, Maryland, we are happy to arrange virtual sessions to support clients anywhere looking to invest in their dreams.

Why we’re different

Hover over an icon to learn more

As a stand-alone company unaffiliated with insurance companies, banks, or retirement providers, we exclusively make decisions in your best interest. We work for you and you only.

We are legally bound to always act in your best financial interest.

We do not take commissions from outside funding sources, freeing us from conflicts of interest and helping us focus on what is best for you.

Although our physical presence is in Baltimore, Maryland, we are happy to arrange virtual sessions to support clients anywhere looking to invest in their dreams.

Don’t just take our word for it

All reviews are from current clients. No compensation was provided. No material conflict of interests to disclose.

      EXCELLENT  
   Based on 36 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Jackie Barker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Garritt Financial Solutions LLC has totally helped my husband and I turn around our finances! Anne Claire is such a pleasure to work with - she is motivating, caring, and detailed. We have been working with her for a year and a half and we have saved a ton of money and she helps explain foreign topics to us in a way that we understand. She is amazing at communication and incredibly understanding. We love Anne Claire and Garritt Financial Solutions LLC and would recommend them to anyone!
  
 
      Posted on Google  
   
   Katie Zaeh 
 
 
 
 Trustindex verifies that the original source of the review is Google. We highly recommend Garritt Financial Solutions for their Project-Based Financial Planning Service. Justin helped my husband and I combine our finances and work out a plan for budgeting, long-term savings and retirement. Justin was extremely knowledgeable, thorough and patient. He walked us through the plan he developed and helped us implement it step-by-step. We've come out of the process feeling organized and confident about our financial strategy.
  
 
      Posted on Google  
   
   Tiffany Byrd 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Garritt Financial Solutions LLC was a pleasant experience. Justin was knowledgeable (especially for educators), patient, and thorough. I appreciated that he wanted to make sure that I was educated throughout the process, not just being advised but learning. He was definitely patient because I asked a bunch of questions each time we met, but he always answered them all. There were some tough conversations but it made the path forward more clear. If only I had found out about his services sooner—what a difference that would have made!
  
 
      Posted on Google  
   
   Anya Brown 
 
 
 
 Trustindex verifies that the original source of the review is Google. Where do I start? Mr Garritt’s professionalism and overall customer service was impeccable throughout my entire PSLF process. He is extremely knowledgeable and didn’t hesitate to help me communicate with the lender, consolidator, and Student Aid. During our initial meeting, he devised a plan and we worked through the plan together. Throughout the process, times got tough and my situation was extremely tricky, but Mr Garritt supported me through my tough case. In the end, his diligence paid off for me in the best way ever, all loans (and there were plenty) was forgiven. The hard work and support of Mr Garritt was life changing for me. My family and I are incredible grateful for his help.  Thanks so much Mr Garritt!!!!
  
 
      Posted on Google  
   
   Nate Hall 
 
 
 
 Trustindex verifies that the original source of the review is Google. Had a great experience working with Justin! Would definitely recommend!
  
 
      Posted on Google  
   
   Abbott Shea 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Justin on my financial planning for three years now and his guidance has been a positive influence through multiple job changes, layoffs, and unpredictable financial market. Justin makes it easy to understand how my investments connect to my goals, and he is always willing to work with me on changes.
  
 
      Posted on Google  
   
   Howara Markao 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been working with Justin at Garritt Financial Solutions for the last few years and it has been one of the best decisions I have ever made. Not only has Justin gotten my financial life back on track, he helped me build up my savings account, and he took me from being in default with my student loans to getting them back on track and eligible for forgiveness and then completely forgiven. I thought I would be paying my student loans until I was retired. I cannot thank Justin enough for helping me with this and so many aspects of my finances. It’s never too late to get your finances together and I recommend Garritt Financial Solutions for doing just that!
  
 
      Posted on Google  
   
   Mickey Evans 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Justin! Throughout our time working together, he was incredibly comprehensive and took the time to explain everything in detail, ensuring I felt confident in every decision. He was thorough and very personable, making the entire process comfortable and stress-free. He helped me take actionable steps to improve my financial picture and set me on the path to achieving financial independence. I truly appreciate his expertise and the personalized approach he took in guiding me.
  
 
      Posted on Google  
   
   Suzanne Smith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Justin was a great choice that my husband and I made for our family's financial future. While we have always been decent with money, we have been intimidated by short/medium term investing and the idea of working with a financial advisor. Because of this reluctance, we did were not maximizing our savings and retirement accounts. Doing a project with Justin was a great experience! He helped us organize our money, dial in our savings, and plan for retirement in a way that was easy to understand and follow. We really appreciated Justin's holistic approach, his personability, careful and clear explanations, and amazing availability. Highly recommend GFS to anyone who needs a coach for any type of financial project!
  
 
      Posted on Google  
   
   Benjamin Davis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Justin helped both my wife and I to become debt free, save money for retirement and our child’s education, and provided us with a framework to budget our lives for what we feel is important. Our happy meter revolves around family, food and adventure, and Justin has helped make it all possible!