We're glad you're here.

We are a different species of advisor.  We work for you, which puts your best interests at the center of our relationship.  Our clients appreciate the objectivity, transparency, and candor that comes from working with an independent flat Fee-Only advisor.

Advice adapted for your changing world. Your life and goals evolve over time, and so should your financial plan and investment approach. The future of advice is to provide a clear set of strategies that are both structured and fluid. Our plans are developed in an in-depth, collaborative fashion, combining leading technology with the human touch of an experienced adviser with not only expertise but understanding.

A Registered Investment Adviser


It’s Who We Answer To
We intentionally created Evolution Advisers to be a different kind of financial advisor. We are independent, Fee-Only financial planners.  In fact, we are actually flat Fee-Only.  We work for and with you, and only you. We do not sell any products and, therefore, do not receive commissions on any products – even though that’s the dominant model in the industry.  Our advice and recommendations are objective, transparent, honest, and in your best interests.

Our Clients Expect An Evolved Level of Service & Technology

They are professionals from all fields. Retirees and pre-retirees. Millennials. Young families. Small businesses. They all decided it was time to take control. They expect outstanding client service, whether it be in-person, by phone, or online. Many of our clients came from that “other” type of advisor and appreciate the difference in the level and breadth of service we provide – and the way we provide it.

We Are NAPFA-Registered & That’s Important
The National Association of Personal Financial Advisors is the country’s leading professional association of Fee-Only financial advisors. As fiduciaries we commit to working in the best interests of those we serve. We never muddle our relationships with sales commissions or other potential conflicts of interest. This means our interests are aligned squarely with yours. There’s no better foundation for building your own very unique, financial future.

It’s time to see how flat “Fee-Only” advice, means “You-Only” advice.

How Evolution Can Help You

We believe that a client is more than just an investment portfolio. Every client is different and can present unique needs to the advisor. To meet those needs, we offer three core services, each developed in an unbiased, personalized, and collaborative fashion that only a fiduciary, Fee-Only Financial Planner can provide.


Financial Plan Development


Develop a clear understanding of how to achieve your financial goals. Start by assessing your financial health and then develop a sustainable plan to improve it.


Investment Management


Integrate state of the art technology to manage your investments and be confident your financial plan is being monitored and adjusted to keep pace with your life and the world around us.


Qualified Plans


Benefit from a straightforward, transparent approach to a prudently managed 401(k). Lower the cost of saving for retirement and get more support than you thought possible.

About Us

David J. O’Brien, MBA, CFP®
NAPFA-Registered Financial Advisor

About Dave

John B. Clair, CFP®
NAPFA-Registered Financial Advisor

About John

Penny G. Lobred
Director of Operations

About Penny

Mariame Pierce
Associate Financial Planner

About Mariame

Cecilia Fleming
Associate Financial Planner

About Cecilia

Client Portal Access

For  Financial Goals Plans, NetX Investor, TD Ameritrade and Qualified Plan Participants, please Click Here