Who We Are



Phil Dyer, CFPTM, RLP TM

Phil is the founding principal of Dyer Financial Advisory, a fee-only financial planning and Registered Investment Advisory firm located in Towson, MD. The firm specializes in providing objective financial planning and investment advice to individuals on an hourly, as-needed basis or on-going basis.

“I have a passionate belief that Middle America – working families that are trying to figure out how to save for retirement, fund college education and care for aging parents – deserve affordable, unbiased financial advice,” Phil explains. “I want to be their trusted guide and help them achieve their financial goals.”

Phil also serves as CFE (Chief Financial Educator) for MONEYSmarts™ Academy, providing customized, high-impact financial education programs for private secondary schools, independent colleges and corporations. Participating organizations routinely rank MONEYSmarts™ as one of their most valuable benefits.


Experience and Education
  • Fee-Only financial planner since 1996, providing comprehensive financial planning and asset management services as the branch manager for a regional financial planning firm and senior manager for a specialized wealth management practice. Formed Dyer Financial Advisory in 2002 to focus on financial planning services for Middle America.

  • Completed the Certified Financial Planner (CFPTM) Professional Education Program through the College of Financial Planning and passed the CFPTM Board Examination in 1996. Received the CFPTM mark of distinction from the CFPTM Board of Standards in 1999.

  • Active member of the National Association of Personal Financial Advisors (NAPFA), Financial Planning Association (FPA), National Association of Tax Practitioners (NATP) and The Garrett Planning Network (GPN), a nationwide network of fee-only financial advisors dedicated to providing competent, unbiased financial advice to people from all walks of life.

  • Completed advanced coursework through the Kinder Institute for Life Planning in 2007 and credentialed at a Registered Life Planner (RLPTM).

  • Graduated from the United States Military Academy (West Point) in 1985 with a BS in General Engineering + a Major in History.

  • Served as an officer in the United States Army for 5 years of active and 5 years of reserve duty; completed service with the rank of Captain.

  • Prior to transitioning to financial planning, worked in professional pharmaceutical sales for 7 years with Pfizer, Inc.

  • An accomplished public speaker who has presented over 525 financial and benefits education seminars over the last 14 years to corporate, educational, non-profit and govenmental audiences.

Personal

Born in Riverside, CA and raised in an academic household, Phil has resided a number of states from coast to coast and visited 46 of the 50 states (only Alaska, North Dakota, South Dakota and Wyoming to go).  He attended high school in Maryland and received his undergraduate degree from the United States Military Academy at West Point in 1985.  He served on active duty as an Army officer for 5 years with duty stations in Germany and several stateside bases.

After leaving active military service in 1990, Phil resided in Charlotte, NC for 10 years. Phil returned to the Baltimore, MD area in 2000 after a 20-year hiatus to help care for an ailing family member. He and his wife, Kerry (a registered nurse), are both graduates of Dulaney High School in Timonium, MD and live in scenic Baldwin, MD. Phil enjoys travel, biking, scuba diving and volunteer service in his free time. He and Kerry have a son, Alex and a daughter, Lilly.

Call or email Phil today for a complimentary, no obligation Get-Acquainted meeting.


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