WFG was founded in 2011 by Rick and Marie Welsh, drawing on more than 30 years of industry experience and a shared commitment to independent, client-first advice. Every relationship begins with the question the firm was built around: what does money mean to you?
WFG Wealth Management was founded in November 2011 after more than two decades of careers spent inside large wire houses, boutique RIAs, and independent firms across the country. By the time the doors opened in Maryland, the conviction was clear. The right financial guidance is personal, patient, and built on relationships that last.
Today the firm carries that founding belief into every engagement. An advisor-led practice that grows largely by referral, where clients arrive with questions and leave with a plan that fits the life they actually want to lead.
Wealth begins with your life, values, goals, and responsibilities, before it becomes a financial strategy.
It is about the life you are building, the people you are building it for, and whether your financial plan reflects those priorities in practice.
Answering that honestly, completely, with a team that is committed to put your interests first, is where real financial planning begins.
At WFG, we have spent over thirty years learning that the clients who arrive with the clearest sense of what money means to them leave with the most confidence in what comes next.
So before we build a plan, we ask:
Before we recommend anything, we listen. When strategy and life are aligned, our clients gain clarity paired with confidence and begin leading their financial lives with greater intention.
A dedicated team that knows your name, your plan, and the reasons behind every decision, supported by the scale and resources of LPL Financial, the country's largest independent broker-dealer.*
*As reported by Financial Planning Magazine, 1996–2025, based on total revenue.
Rick built his career at Legg Mason under industry veterans Chip Mason and Jim Brinkley, an experience he describes as Camelot. He founded WFG in 2011 to build a firm where the relationship comes first and every plan is genuinely tailored to the life it serves.
Marie holds a Bachelor of Arts in Psychology from Lynchburg University and built her career at a nationwide independent firm where she developed deep expertise in compliance, management, operations, and client services. She runs the systems that keep WFG running.
Luke joined WFG after building and selling a marketing agency, bringing an operator's perspective to the work of advising. He focuses on the next generation of WFG clients and the modernization of the firm's planning approach.
We are always interested in conversations with great advisors looking to affiliate, and with clients who think we might be the right fit. Reach out and tell us about you.
Start the conversationWFG Wealth Management is an independent financial services practice. Securities and advisory services are offered through LPL Financial, the largest publicly traded independent broker-dealer in the United States and a registered investment advisor. LPL provides the trading platforms, custody, technology, compliance infrastructure, and research that make modern financial advice possible at the scale our clients deserve.
What it means in practice is simple. We are accountable to you. The advice we give is shaped by your circumstances and your goals, never by the pressure to sell a particular product. Independence is not a marketing claim at WFG. It is the structure of the firm itself.
WFG is headquartered in Marriottsville, Maryland, just outside Baltimore. The firm has grown by serving Maryland families and the businesses that built this state, and now serves clients in thirteen states from coast to coast.
The geography matters. Maryland tax structure, Chesapeake real estate, federal employee retirement systems, and the unique nature of Mid-Atlantic family wealth are things we understand best because we live and work among them every day.
Every engagement begins with a complimentary review. A conversation about your life, your goals, and what comes next.