WeArePhronesis

Richard C. Osman is a tenured and credentialed financial advisor. Securities offered through LPL Financial, Member SIPC

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Financial Planning Is About More Than Just Numbers. From managing everyday expenses to preparing for retirement and other important milestones, a personalized financial plan can help bring your goals and priorities into focus. Ready to start planning? 410-647-6762

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Are You on Track with Your Financial Goals? It's National Financial Planning Month—a good reminder to check in on your financial goals and see how your plans align with where you want to go. Life changes, priorities shift, and your financial plan should evolve along with them.

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What a great evening at Topgolf Baltimore! ⛳🏈 We had a fantastic time connecting with clients and friends last week while supporting the Boys & Girls Club and enjoying a special appearance by Baltimore Ravens Trey Hendrickson!

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Unlock the Secrets to Financial Success! National Financial Planning Month is here, and it's time to uncover the strategies that lead to prosperity.

Ready to take the first step? Click here to schedule a complimentary meeting today: https://t.co/StlzB9Etr3

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You’ve been named executor of an estate. Now what? From managing assets and debts to taxes and distributions, the role can involve more than many people expect. Here’s what to know before getting started:
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#EstatePlanning #FinancialPlanning

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Financial planning is about more than numbers—it’s about the people, goals, and life decisions behind them. Richard Osman and Matt Ackermann discuss the human side of financial advice in The Phronesis Perspective.
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#financialplanning #retirementplanning

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Another great Phronesis Client Crab Feast in the books! 🦀 We had a wonderful afternoon Saturday at Fisherman’s Crab Deck enjoying good food, plenty of crabs, and—most importantly—time with so many of our clients. Thank you to everyone who joined us!

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Today, we pause to remember the lives lost on September 11, 2001, and to honor the courage, sacrifice, and resilience shown in the days that followed.
#WeRemember #NeverForget #UnitedWeStand #911Remembrance #September11

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Wishing Senior Financial Advisor, Ken Pumphrey, a very happy birthday today! 🥳 🎉

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Have a safe and happy Labor Day!

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When should your adult children meet your financial advisor? Probably earlier than you think.

A simple introduction can help create greater understanding and continuity—and make future transitions a little easier for everyone.

Read more: https://t.co/kTvmT4rYpP

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You've spent years building your portfolio. The next challenge isn't just growing it—it's turning it into a strategy that supports your retirement, minimizes taxes, and adapts as life changes.
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#RetirementPlanning #WealthManagement #FinancialPlanning

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Do you have a will...or is it still on your to-do list?

It's #NationalMakeAWillMonth. If creating/updating your estate plan has been on the back burner, now's a great time to get started. Ask us how our clients use https://t.co/sF8M4b9EcS as part of their overall financial plan.

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An incredible day on the Chesapeake! 🎣 Great company, impressive catches and plenty of laughs made our client fishing trip one to remember. Thanks to everyone who joined us—we love opportunities to connect outside the office! #ClientAppreciation #ChesapeakeBay

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Preparing the next generation means more than transferring wealth—it means sharing values, expectations, and purpose. Our latest Phronesis Perspective explores why family conversations matter.

▶️ Watch here: https://t.co/9o8vJWLLgC

#EstatePlanning #LegacyPlanning

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Inherited an IRA after 2019?

The SECURE Act's 10-year rule means many beneficiaries could face a significant tax bill by 2030 if they don't plan ahead.

Learn what you need to know—and why waiting could limit your options.

🔗 https://t.co/2N9hwI9TS2

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This Fourth of July, we celebrate not only our nation’s freedom, but 250 years of resilience, opportunity and the enduring spirit that continues to shape America’s story. From all of us at Phronesis Wealth Management, we wish you and your family a safe, meaningful, and happy 4th!

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Another fantastic client event in the books! ⚾ The O's kept us hopeful until the very end. While they couldn't pull off the comeback, we still had a great night at Camden Yards on Saturday night with some incredible clients and guests. Thanks for making it such a fun evening!

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Happy Father's Day!

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A liquidity event may last a day. The decisions surrounding it can impact generations. The executives who achieve the best outcomes aren't always those with the largest payouts—they're often the ones who planned early. https://t.co/VgS0SHDBVk