Trusted since 2020 · Serving all 50 states

Build wealth with conviction.
Borrow with clarity.

Budget Finance Wealth unites fiduciary wealth management, fast and fairly-priced lending, tax strategy, and insurance under one roof — so every money decision you make is a confident one.

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4.9/5 · 1,284 reviews 12,800+ clients 100% fiduciary
Budget Finance Wealth advisors reviewing a client's wealth plan
Financial planning documents and calculator
Portfolio growth +18.4% YTD
Approved in 24 hours$40,000 personal loan · Austin, TX
Budget Finance Wealth advisory team collaborating in the Bowie, Maryland office
Budget Finance Wealth advisor preparing a portfolio review
5+Years of
excellence
About Budget Finance Wealth

A modern wealth house, built on old-fashioned trust.

Budget Finance Wealth was founded in Bowie, Maryland in 2020 out of a simple frustration: financial advice had become either too expensive or too salesy. So we built the firm we wished existed — fiduciary advisors, straightforward lending, and pricing published right on the website.

Today, our 40+ advisors and licensed lending specialists serve more than 12,800 households across all 50 states, pairing human judgment with real-time analytics to grow and protect wealth through every market cycle.

  • Fiduciary standard on every single account
  • Licensed lending & advisory in all 50 states
  • Published, flat advisory pricing — no hidden layers
  • Lending and investing under one roof, on one dashboard
Adrian Whitmore, CFP®Founder & Managing Partner
Our Compass

Vision, Mission & Values

Three commitments that have guided every client conversation since day one in 2020.

Our Vision

To become America's most trusted independent wealth house — a country where every household, not just the wealthy, has access to institutional-grade financial guidance.

Our Mission

We pair disciplined, evidence-based investing with transparent, fairly-priced lending — so our clients can face every major money decision with confidence, clarity, and a plan they actually understand.

InvestBorrowProtect

Our Values

Integrity first. Clarity always. Stewardship for the long run. We say no to commissions that compromise advice — and yes to relationships measured in decades.

IntegrityClarityStewardship
Why Choose Us

The Finova difference, in six moves.

Most firms do wealth or lending. We built one disciplined system around both — and we measure everything.

Fiduciary, always.

Every advisor is bound to the fiduciary standard: we are paid only by you and legally obligated to put your interest first — on every recommendation, every day. No commissions, no products pushing, no exceptions.

Approvals in hours, not weeks.

  • Pre-qualify 4 min
  • Underwriting same day
  • Funded next morning

Flat fees, zero surprises.

Human judgment, machine precision.

CFP® professionals backed by real-time analytics — every portfolio stress-tested, every rate monitored daily.

One dashboard, every dollar.

Investments, loans, insurance, and taxes — one login, one truth.

Bank-grade security

Your data is protected with 256-bit AES encryption, multi-factor authentication, and continuous third-party audits.

256-bit AESSOC 2 auditedMFA everywhere
How It Works

From first call to funded plan — four calm steps.

No jargon gauntlets, no pushy onboarding. Just a clear path we walk together.

  1. 01

    Discover

    A free 30-minute call to map your goals, numbers, and timeline — no pitch, no paperwork.

  2. 02

    Design

    Your advisor drafts a written plan: portfolio strategy, borrowing capacity, tax posture, and protection.

  3. 03

    Deploy

    Accounts open in days, loans fund in as little as 24 hours — and you approve every single move.

  4. 04

    Review

    Quarterly check-ins and live dashboards keep the plan tuned as life and markets change.

What We Do

Six ways we put your money to work.

Select a service to see how it works, who it's for, and what it costs — in plain English.

Personal Loan

Consolidate high-interest debt, fund a renovation, or cover life's surprises — without touching your long-term investments. Soft-pull pre-qualification means checking your rate never dents your credit score.

  • Borrow $5,000 – $100,000
  • APR from 7.49% (on approved credit)
  • No prepayment penalties, ever
  • Next-business-day funding available
Start Application Terms 24–72 months · No origination fees

Credit Loan / Line of Credit

A revolving credit line that stays ready when opportunity or emergencies strike. Draw what you need, when you need it — and pay interest only on the amount you actually use.

  • Revolving limits up to $50,000
  • Interest charged only on what you draw
  • Credit-builder program available
  • Instant virtual card on approval
Check My Line Variable rates from 9.9% · No annual fee

Mortgage Loan

Pre-approval in hours, closing in weeks. From first homes to investment properties and cash-out refinancing, our in-house underwriting keeps the process fast, human, and honest.

  • Purchase, refinance & cash-out options
  • 30-, 20-, and 15-year fixed plus ARMs
  • First-time buyer programs with low down payments
  • Close in as few as 21 days
Get Pre-Approved Competitive fixed rates · Rate-lock protection

Wealth & Investment Planning

Goal-based portfolios built on low-cost, diversified cores — then actively managed through every cycle. Your advisor rebalances quarterly, harvests losses automatically, and explains every move.

  • Diversified ETF & index core portfolios
  • Automated tax-loss harvesting
  • Retirement, 529 & estate roadmap planning
  • Quarterly rebalancing & reviews
Design My Portfolio 0.85% average advisory fee · $0 to start

Tax Advisory

Great tax strategy happens in March, not April. Our CPA-led team plans year-round — coordinating directly with your Finova advisor so your portfolio and your return work from the same playbook.

  • Year-round proactive tax planning
  • CPA-led federal & state filings
  • Equity compensation & RSU strategy
  • Small-business & 1099 optimization
Talk to a CPA Bundled discount for advisory clients

Insurance Service

Wealth without protection is a leaky bucket. We shop 15+ A-rated carriers to cover the gaps — and audit your coverage annually as your life, assets, and risks evolve.

  • Term & whole life insurance
  • Disability income protection
  • Umbrella liability coverage
  • Annual coverage audit included
Review My Coverage 15+ A-rated carriers · Independent advice
Pricing

Honest pricing, published up front.

Flat monthly advisory subscriptions. No percentage-of-assets games, no minimums that lock people out.

Essential

For self-starters who want a professional plan and smart tooling.

$49/mo
  • Goal-based financial plan
  • Budgeting & net-worth dashboard
  • Annual plan review call
  • Email support within 24h
  • Loan rate discounts
Get Started
Most Popular

Signature

A dedicated advisor managing your full financial picture, hands-on.

$149/mo
  • Everything in Essential
  • Dedicated CFP® professional
  • Managed investment portfolio
  • Quarterly reviews & tax-loss harvesting
  • Priority loan underwriting
  • Unlimited messaging with your advisor
Book My Advisor

Private Client

For complex balance sheets, business owners, and multi-generational goals.

$399/mo
  • Everything in Signature
  • Estate & trust coordination
  • Alternative investment access
  • Annual CPA-led tax strategy session
  • Family governance & 529 planning
  • Concierge advisor line, 7 days
Request an Invitation

Advisory fees are billed monthly, cancel anytime with 30 days' notice. Lending fees, where applicable, are disclosed before you sign anything.

Service Booking

Book your free 30-minute consultation.

Tell us where you are and where you want to be. A licensed advisor will call you at the time you choose — with a point of view, not a sales script.

  • Genuinely free — no card, no obligation
  • Matched with an advisor for your exact goal
  • Leave with at least one actionable insight
Prefer to talk now?(240) 206-9803

Your information is encrypted and never sold. See our Privacy Policy.

Reviews & Testimonials

12,800 clients. One recurring theme: trust.

Real words from real households across the country — rated 4.9 out of 5 across 1,284 verified reviews.

"I shopped four lenders before Finova. They pre-qualified me in ten minutes with a soft pull and funded my consolidation loan the next morning. The rate they quoted was the rate I got — no games."

Melissa R.Austin, TX · Personal Loan

"Our advisor rebuilt a portfolio I'd been throwing money at for a decade. The fee is flat, reported clearly, and my quarterly reviews actually feel like strategy sessions — not sales calls."

Daniel K.Denver, CO · Wealth Management

"As a first-time buyer I expected nightmares. Finova pre-approved me the same week, locked my rate before the Fed announcement, and we closed in 26 days. I still can't believe it went that smoothly."

Angela S.Atlanta, GA · Mortgage

"Their tax team restructured how my RSUs vest and saved me roughly $6,400 last year alone. And my outside CPA actually talks to them directly — that coordination is worth the fee by itself."

Robert M.Tampa, FL · Tax Advisory

"My credit score went from 610 to 714 in fourteen months on their credit-builder line. They treated me with the same respect I'd imagine a millionaire gets. That's rare in this industry."

Sophia L.San Diego, CA · Credit Builder

"Retirement accounts, two rental properties, my daughter's 529 — one dashboard, one advisor, one phone number that always gets answered. Private Client is the best money I spend each month."

Thomas W.Bowie, MD · Private Client
FAQ

Questions? We've heard them all.

The ten things prospective clients ask us most — answered honestly.

Yes — 100% of the time, on every account. Our advisors are legally and contractually bound to act in your best interest, and we accept no commissions from fund companies, lenders, or insurers. We are paid only by the flat fees we publish on this page.

No. Our Essential plan starts at $49/month with zero account minimums, because we believe professional guidance shouldn't be reserved for people who already have wealth. Our Private Client tier is designed for households with more complex balance sheets.

Most clients complete pre-qualification in about four minutes with a soft credit pull, receive final approval the same day after document upload, and see funds in their bank account by the next business morning.

All 50 states plus Washington, D.C. Advisory services are offered nationwide; lending products are originated through licensed partner lenders in each state, so rates and terms can vary slightly by location.

Flat monthly subscriptions — $49, $149, or $399 depending on the level of service — rather than a percentage of assets that quietly grows as your portfolio does. The price you see on our pricing table is the price on your invoice.

That's exactly why we exist. Because we manage both sides, we can tell you honestly when borrowing at 7.5% makes sense against a portfolio yielding more — and when it doesn't. One plan, one dashboard, zero conflicts of interest.

Your data is protected with 256-bit AES encryption in transit and at rest, mandatory multi-factor authentication, and continuous third-party security audits. We never sell personal information — it's in our Privacy Policy and it's in our DNA.

Yes — the majority of our client relationships are fully virtual via secure video calls, with evening and early-morning slots available. If you're near Bowie, Maryland, our doors are open for in-person meetings Monday through Friday.

Most of our loan programs look for a score of 620+, though first-time buyer and credit-builder pathways can accommodate lower scores with compensating factors. Pre-qualification is always a soft pull, so checking costs you nothing.

Subscriptions cancel anytime with 30 days' notice — no exit fees, no retention scripts. For marketing emails, use the one-click Unsubscribe link in our footer or any email you receive, and you'll be removed within 24 hours.

Contact Us

Talk to a human today.

Call, write, or drop by our Bowie headquarters. We answer every message within one business day.

Headquarters3600 Majestic Ln, Bowie, MD 20715, USA
Office HoursMon–Fri 8:30am–6:00pm ET · Sat by appointment