Meridian Financial Group

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ph: 410-757-0103

Meridian Financial Group Inc.
623 Breton Place
Arnold, MD 21012

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About Our Integrated Approach

Meridian Financial Group is an independent investment advisory firm, founded in 1990, with a commitment to provide sound investment and retirement planning strategies to our clients. Our story is one of steady growth, built upon a strong foundation of trust and dedicated financial expertise.

At Meridian Financial Group, we believe in an integrated approach to financial services and strategy. This means our methods are not siloed or standalone, but rather we blend various elements of financial management to create a cohesive, comprehensive plan that best fits your individual needs and objectives. We work closely with you to create a seamless, all-encompassing financial picture to provide you with the most reliable pathway to achieve your financial goals.

Our approach is distinguished by a unique four-step process of integration:

First - Analyze:

In this initial phase, we take a deep dive into your current financial situation. We scrutinize every detail, from your income and expenses to your investments, savings, and liabilities. This analysis helps us understand your financial standing and identify potential opportunities and challenges.

Second - Strategy:

Based on our analysis, we develop a tailored financial strategy that aligns with your goals and risk tolerance. This is not a one-size-fits-all approach; we customize each plan to cater to your unique needs and aspirations, ensuring that your financial plan is as unique as you are.

Third - Manage:

Once the strategy is set, we work tirelessly to manage it. This involves closely monitoring the financial landscape, adjusting your plan to accommodate changes in market conditions and personal circumstances, and keeping you informed every step of the way. Our aim is to mitigate risk while maximizing opportunities for growth.

Fourth - Invest:

The final step is implementing the investment strategy. We carefully select a portfolio of investments that aligns with your risk tolerance and financial goals. We regularly evaluate your portfolio's performance, making adjustments as necessary to keep you on track towards achieving your financial objectives.

At Meridian Financial Group, we place a high premium on our relationships. We are not just advisors; we are partners in your financial journey. Our team of seasoned professionals brings years of experience and a wealth of knowledge to the table, giving you the confidence to make informed decisions about your financial future.

Retirement Income Strategy

In the past, people used to rely on three sources of income for their retirement: money from Social Security, their company pension, and their personal savings. But now, things have changed, and people mostly rely on just two sources of income: Social Security and their own savings, like an IRA or 401(k). Company pensions are no longer common.

Our focus is not just to prepare you for a comfortable retirement, but to provide a steady income stream that allows you to enjoy the lifestyle you desire throughout your golden years. Furthermore, we actively incorporate adjustments to account for inflation and evolving market conditions, thereby ensuring the longevity and resilience of your retirement income.

At Meridian Financial Group, we offer customized retirement income planning strategies that are tailored to each client's unique needs and goals, helping them prepare for a secure and comfortable retirement.

Investment Advice

We believe that successful investing means helping investors establish and meet their investment objectives. Our investment philosophy is based on four key concepts that guide us in achieving this goal.

Asset Allocation

The first concept is asset allocation, which involves strategically allocating investments across various asset classes to balance risk and reward.

Portfolio Structure

The second concept is portfolio structure, which refers to the way investments are organized and managed to maximize performance.

Specialist Money Managers

The third concept is specialist money managers, where we work with skilled investment managers who specialize in specific asset classes.

Portfolio Management

The fourth concept involves monitoring and adjusting investments to ensure they remain aligned with the investor's objectives over time.

At Meridian Financial Group, we provide personalized investment advice that is tailored to each client's financial goals, risk tolerance, and time horizon.

401(k) Plan Consultation

Many people find it difficult to understand stocks, bonds, mutual funds, and investment strategies. This can make it challenging for employees who are participating in their company's 401(k) plan to build an investment portfolio from the available choices.

The situation is made even more complicated by the fact that most 401(k) plan platforms only provide generic investment education and advice. To address this problem, we offer 401(k) plan participants the opportunity to consult with us. We can help them build a better investment portfolio based on their age, risk tolerance, years until retirement, and other outside investments. This will enable them to make more informed investment decisions and achieve better results from their 401(k) plan.

At Meridian Financial Group, we offer tailored 401(k) plan participant management services that help individuals make the most of their retirement savings and achieve their unique financial objectives.

401(k) Plan Analysis

We evaluate company retirement plans to identify high costs and poor performance and provide a hassle-free solution for business owners or HR personnel. Most business owners do not have the time or expertise to perform such an evaluation. Therefore, we assess the administrative and investment costs, benchmark the Plan's performance, review the business owner's fiduciary role, and seek ways to improve the Plan for both the owner and the employees. If the company retirement plan needs improvement, we offer alternatives, advice, and suggestions, and as an independent advisor, we provide unbiased advice to the owner.

If the owner determines that changes are necessary, we help them through the entire transition, including explaining the changes to employees. We spend time with each employee to make sure they understand the importance of saving for retirement and help them determine which investments would be most suitable for their retirement goals. After enrolling employees, we continue to support them throughout their working career by answering questions, providing advice, and offering a second opinion on any question they have regarding their retirement savings.

In addition to providing support to employees, we act as the advisor to the business owner, helping them with various components of a company retirement plan, such as investments, administration, record-keeping, and fiduciary responsibilities. Since most business owners do not have the time to become experts in these areas, we become the go-to person for them. We also interface with the HR person to help make their job easier.

About BrokerCheck

BrokerCheck is a free tool from FINRA that can help you research the professional backgrounds of brokers and brokerage firms, as well as investment adviser firms and advisers.

The information about brokers and brokerage firms that you find in BrokerCheck comes from the Central Registration Depository (CRD®). All brokers must be licensed and registered by FINRA, and CRD is the securities industry online registration and licensing database. Information in CRD is obtained through forms that brokers, brokerage firms and regulators complete as part of the securities industry registration and licensing process.

The information about investment adviser firms and representatives comes from the Securities and Exchange Commission's Investment Adviser Registration Depository (IARD) database.

About FINRA

FINRA plays a critical role in ensuring the integrity of America’s financial system—all at no cost to taxpayers.

Working under the supervision of the Securities and Exchange Commission FINRA provides the following:

Write and enforce rules governing the ethical activities of all registered broker-dealer firms and registered brokers in the U.S..
Examine firms for compliance with those rules.
Foster market transparency.
Educate investors.

About Westminster Financial Securities, Inc.

Westminster Financial Securities Inc. is a member of the Financial Industry Regulatory Authority (FINRA) as an investment broker-dealer registered under the Securities Exchange Act of 1934. Founded in 1987, the firm now provides support for nearly 100 financial advisors in approximately 21 branch offices and is registered in all fifty states.

About SIPC

SIPC was created under the Securities Investor Protection Act as a non-profit membership corporation. SIPC oversees the liquidation of member firms that close when the firm is bankrupt or in financial trouble, and customer assets are missing. In a liquidation under the Securities Investor Protection Act, SIPC and the court-appointed Trustee work to return customers’ securities and cash as quickly as possible. Within limits, SIPC expedites the return of missing customer property by protecting each customer up to $500,000 for securities and cash (including a $250,000 limit for cash only).

SIPC is an important part of the overall system of investor protection in the United States. While a number of federal and state securities agencies and self-regulatory organizations deal with cases of investment fraud, SIPC's focus is both different and narrow: restoring customer cash and securities left in the hands of bankrupt or otherwise financially troubled brokerage firms.

SIPC was not chartered by Congress to combat fraud. Although created under a federal law, SIPC is not an agency or establishment of the United States Government, and it has no authority to investigate or regulate its member broker-dealers. It is important to understand that SIPC is not the securities world equivalent of the Federal Deposit Insurance Corporation (FDIC), which insures depositors of insured banks.

Disclosures

Meridian Financial Group is a State - registered investment adviser located in Arnold, Maryland. Meridian Financial Group provides individualized responses to persons in a particular state only after complying with the state's regulatory requirements, or pursuant to an applicable state exemption or exclusion.

The presence of this website on the Internet shall in no direct or indirect way suggest that the firm offers investment advisory services to residents of any state other than the states in which the firm maintains a notice filing. In addition, this website should not be construed as a solicitation of investment advisory clients in any state other than the states in which we maintain a notice filing. For details on our ability to work with you in your particular state, please contact Meridian Financial Group to discuss your particular situation and geographic location.

A copy of Meridian Financial Group's current written disclosure statement (Form ADV, Part II) discussing Meridian Financial Group's business operations, services, and fees is available from Meridian Financial Group upon written request.

This website provides general information about Meridian Financial Group and is not intended to offer investment or financial planning advice. The purpose of this site is to provide you with information about the firm and our investment philosophy, and to provide a means for you to contact us for further information. Meridian Financial Group provides customized investment recommendations only within the context of our contractual agreements with our clients, and only after a comprehensive review of the client's situation.

Building wealth,

securing futures.

Our Strategy

Services

Retirement Income Strategy

Investment Advice

401(k) Plan Consultation

401(k) Plan Analysis

Affiliations

Established 1990

Our Principals

Kim Trettin Penoyar and Pete Penoyar