Business Details
21 Years
experience
Your Trusted Retirement Planning Partner in Salisbury, MD
InFocus Financial Advisors was founded in 2005 with a singular mission: to help individuals transition into retirement with confidence and clarity. Our team of Certified Financial Planners, a Certified Public Accountant, and experienced financial professionals brings decades of combined expertise to retirement planning, investment management, and tax-efficient strategies. We operate as fiduciaries, prioritizing client needs above all else, and have developed a structured process to address healthcare, tax planning, risk management, and long-term financial security. Our approach combines evidence-based investment strategies with personalized guidance to help clients navigate market volatility and optimize retirement outcomes.We serve clients across the Delmarva Peninsula and beyond, offering both in-person and virtual consultations. Our commitment to excellence is reflected in our credentials, including CFP, CPA, PFS, and FPQP designations, as well as our active involvement in local leadership and community organizations. We believe retirement planning should be empowering, not overwhelming, and strive to provide actionable insights that simplify complex financial decisions. Our team's extensive experience in academia, corporate finance, and wealth management ensures clients receive well-rounded, forward-thinking advice tailored to their unique goals.
Services
Retirement Preparation
Retirement Management
Retirement Investing
Complimentary Assessment
Financial Planning
Details
- Year established: 2005
Highlights and features
- We act as fiduciaries, prioritizing client interests above all else.
- Our team holds advanced credentials including CFP, CPA, and PFS designations.
- We offer a structured 12-item retirement checklist for comprehensive planning.
- We combine evidence-based investment strategies with personalized guidance.
- Our advisors have decades of combined experience in retirement planning.
Associations and certifications
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA)
- Personal Financial Specialist (PFS)
- Financial Paraplanner Qualified Professional (FPQP)
Services
Retirement Preparation
Our Retirement Preparation Services begin with a comprehensive 12-item checklist covering healthcare, taxes, and investment strategies. We offer complimentary 15-minute introductory calls and one-hour retirement checklist consultations to help clients identify gaps in their current plans. This structured approach ensures clients understand their financial readiness and receive actionable recommendations tailored to their specific needs.
Retirement Management
Through annual Retirement Plan reviews, we address evolving needs including market changes, family dynamics, and unexpected expenses. Our process incorporates research-backed strategies from institutions like JP Morgan and Vanguard to enhance retirement success. We provide continuous guidance on tax optimization, healthcare planning, and estate considerations, ensuring clients' financial plans remain aligned with their changing circumstances throughout retirement.
Retirement Investing
Our Retirement Investment Management services focus on balancing income needs with long-term growth. We employ evidence-based strategies developed over 30 years of research to manage market volatility. Our approach emphasizes low-cost investments, risk management, and tax-efficient withdrawal strategies. The goal is to create sustainable portfolios that support clients' financial security while adapting to changing market conditions and individual retirement timelines.
Complimentary Assessment
We offer two complimentary assessment options: 15-minute introductory calls and one-hour retirement checklist consultations. These sessions provide personalized insights into clients' current financial situations, identify areas needing improvement, and explain how our services can address specific retirement challenges. The assessments serve as entry points for clients to experience our planning process before committing to ongoing advisory relationships.
Financial Planning
Our financial planning services integrate cash-flow analysis, tax projections, and risk management strategies. We specialize in creating customized plans for clients over age 50, focusing on tax reduction, asset preservation, and sustainable income streams. The planning process includes regular updates to adapt to changing market conditions, legislative updates, and personal circumstances, ensuring comprehensive support for long-term retirement success.
People
Eric W. Johnston
President & Financial Advisor
Certified Financial Planner with 30 years of experience. Founded InFocus Financial Advisors in 2005 to specialize in retirement transition planning. Holds leadership roles in local community organizations and previously taught retirement planning at Salisbury University.
Carol Kurtz
Director of Operations
Certified Public Accountant and Personal Financial Specialist. Manages client account services and investment strategy maintenance. Graduated from Salisbury University and serves as church treasurer. Brings tax expertise to the team's financial planning process.
Gregory Holman
Senior Relationship Manager
Financial Paraplanner Qualified Professional with 8 years of finance experience. Focuses on financial planning and forecasting. Holds economics degree from Rutgers University. Assists advisors in achieving client retirement success through detailed analysis and support.
Questions
What retirement services do you offer?
We provide retirement preparation, management, and investment services. This includes complimentary assessments, personalized planning, and evidence-based portfolio management tailored to individual needs.
Are you fiduciaries?
Yes, we act as fiduciaries, always prioritizing client interests in all financial recommendations and planning decisions.
How often do you meet with clients?
We typically meet 1-2 times annually for comprehensive reviews, with additional communication as needed for market updates or specific client requests.
What qualifications do your advisors hold?
Our team includes Certified Financial Planners, a Certified Public Accountant, and Financial Paraplanner Qualified Professionals with decades of combined retirement planning experience.
Do you work with out-of-state clients?
While based in Maryland and Delaware, we serve clients nationwide through virtual consultations and remote advisory services.
How are you compensated?
We receive fees based on assets under management and transaction-based commissions for brokerage services, always maintaining transparent fee structures.
