Paladin Research Report For:
Centuria Financial Group
About Centuria Financial Group
Centuria Financial Group is a financial planning and wealth management office located in Finksburg, Maryland, serving individuals, families, and business owners throughout Carroll County and surrounding communities. We help clients organize their financial lives, understand their options, and make informed decisions with greater clarity and confidence.
Our approach begins with what matters most to you. We take time to understand your goals, current financial picture, priorities, concerns, and the people or causes you want your wealth to support. From there, our team develops personalized strategies designed to connect the different areas of your financial life rather than addressing each decision in isolation.
Our services include comprehensive financial planning, retirement planning, investment management, portfolio analysis, risk management, education funding, cash-flow and net-worth analysis, Social Security and pension planning, insurance planning, annuity guidance, business-owner planning, and estate and legacy planning strategies. When appropriate, we coordinate with your attorney, tax professional, and other advisors to help keep your broader plan aligned.
Clients often come to us when they are preparing for retirement, changing jobs, considering a 401(k) rollover, managing an inheritance, reviewing insurance needs, planning for a child's education, navigating a major life transition, or seeking a more organized and proactive approach to their finances. We also work with business owners on personal and business financial planning, employee benefits, insurance protection strategies, and succession considerations.
Financial planning is not a one-time event. Our process is collaborative and ongoing: we gather and organize relevant information, analyze your circumstances, present recommendations and possible scenarios, help establish an implementation timeline, and review your progress as your life and priorities evolve. Clients also have access to modern planning technology that can provide a consolidated view of accounts, spending, investments, goals, and important documents.
Our team includes professionals who hold advanced industry designations, including CFP®, WMCP®, ChFC®, CLU®, and RICP®. This breadth of knowledge supports a team-based approach to complex planning needs while keeping recommendations grounded in each client's individual circumstances, time horizon, and comfort with risk.
At Centuria Financial Group, we believe thoughtful financial guidance should be personal, understandable, and connected to real life. Our goal is to give clients a clear framework for making financial decisions today while staying focused on the people, priorities, and legacy that matter most over time.
Securities and investment advisory services are offered through LPL Enterprise (LPLE), a registered investment adviser, Member FINRA/SIPC, and an affiliate of LPL Financial. LPLE and LPL Financial are not affiliated with Centuria Financial Group.
General Information
Firm Start Year
- 2020
No. of Employees
- 5-9
automated call
- Yes
CRD#
- 5609957
Firm CRD#
- 8733
Insurance License#
- RPI100009862
Name of Broker/Dealer
- LPL Enterprise
Name of Custodial Firm
- LPL Enterprise
States Licensed in
- AZ, CA, CO, DE, FL, GA, IL, KS, MD, MS, NY, NC, PA, TX, VA, WV, WI
Years of Experience in Financial Services
- 18
Number of Years with Current Firm
- 6
Work Experience
- David P. McCabe, WMCP®, ChFC®, CLU®, is a Financial Planner with Centuria Financial Group. He works with individuals, families, professionals, and business owners to help them understand their financial picture and develop personalized strategies aligned with their goals, priorities, and changing circumstances.
David's planning approach begins with listening. He takes time to understand what matters most to each client before analyzing their current finances, identifying potential opportunities, and presenting practical recommendations. His areas of focus include retirement planning, investment and portfolio analysis, cash flow and net worth planning, risk management, insurance planning, education funding, estate planning strategies, tax-aware planning strategies, Social Security considerations, and pension analysis.
Before entering the financial services industry, David attended Towson University and built his own company in the mortgage industry. That entrepreneurial experience gave him valuable insight into lending, business ownership, client service, and the financial decisions individuals and families face throughout their lives. He brings that practical perspective to his work as a financial planner.
David holds the Wealth Management Certified Professional® (WMCP®), Chartered Financial Consultant® (ChFC®), and Chartered Life Underwriter® (CLU®) designations. These credentials reflect advanced education in wealth management, comprehensive financial planning, and insurance planning.
As part of the Centuria Financial Group team, David follows a collaborative and ongoing planning process. Clients receive support in organizing their financial information, evaluating potential strategies, implementing appropriate recommendations, and reviewing their progress over time. Financial plans can be updated as a client's family, career, priorities, or financial circumstances evolve.
Securities and investment advisory services are offered through LPL Enterprise, a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial. LPL Enterprise and LPL Financial are not affiliated with Centuria Financial Group.
Work with the following types of clients
- Businesses, Individual Investors, Non-Profit Organizations
Advisory Services Provided
- Financial Advice & Consulting, Investment Advice & Management, Estate Planning & Trusts, Insurance Products & Annuities, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, Financial Planning
Compliance
Registered Representative
- Yes
Investment Advisor Representative
- Yes
Acknowledged fiduciary
- Yes
Compliance Disclosures in Last 5 years
- I have a clean record
Criminal Disclosures in Last 5 years
- I have a clean record
Qualifications & Membership
Securities Licenses
- Series 65, Series 63, Series 7, Series 6
Insurance and Annuity Licenses
- Disability, Variable Life, Long Term Care, Variable Annuity, Life, Health
Firm Information
Firm's Number of Clients
- 350
Firm's Number of Planning Clients
- 130
Firm's Number of Managed Clients
- 300
Assets Managed by Firm
- $200,000,000
Advisor's Number of Clients
- 350
Advisor's Number of Managed Clients
- 300
Advisor's Number of Planning Clients
- 130
Total Assets Under Management by Advisor
- $200,000,000
Compensation and Fees
Fee Structure
- Fee-Based
Compensation Methods
- Commissions, Flat Fee, Hourly, Based on Assets
Fee % Based on Assets
- .8-1.50
Disclosures
RICP® conferred by The American College of Financial Services
PaladinRegistry.com provides referrals to financial professionals of LPL Enterprise, LLC (LPLE). PaladinRegistry.com is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay PaladinRegistry.com cash compensation for these referrals, which creates the incentive for PaladinRegistry.com to make these referrals, resulting in a conflict of interest.
LPL ADV 2A
https://www.lpl.com/content/dam/edam/format/disclosure/a58-lple.pdf
Additional Detailed Disclosures
https://www.lpl.com/content/dam/edam/format/disclosure/wiseradvisor-detailed-disclosures-lple.pdf
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