Business Details
37 Years
experience
Personalized Wealth Management Solutions
Based in Bethesda, MD, FBB Capital Partners has dedicated over 35 years to providing unbiased wealth management solutions. Our employee-owned structure fosters independent thinking, free from corporate constraints, while our fee-only advisory model eliminates conflicts of interest inherent in traditional brokerage arrangements. As fiduciaries, we prioritize client interests through customized portfolio management, retirement planning, and comprehensive financial strategies tailored to affluent individuals, families, and institutions.Our team of CFA charterholders and CERTIFIED FINANCIAL PLANNER professionals leverages deep industry expertise to deliver objective advice, maintaining transparency through quarterly fee assessments and full disclosure of our tiered pricing structure. With offices in Bethesda and Easton, MD, we serve clients nationwide through personalized in-person and virtual consultations.
Services
Investment Management
Wealth Planning
Retirement Strategies
Tax Efficiency Planning
Estate Management
Risk Assessment
Portfolio Diversification
Financial Consultation
Legacy Planning
Market Analysis
Details
- Year established: 1989
Highlights and features
- We operate as a fiduciary, legally obligated to act in clients' best interests
- Our team includes CFA charterholders and CERTIFIED FINANCIAL PLANNER professionals
- Fee-only advisory model eliminates conflicts of interest from product sales
- Employee-owned structure ensures independent, unbiased financial guidance
- 35+ years of experience managing portfolios for affluent individuals and institutions
Services
Investment Management
Customized portfolio strategies with diversified asset allocation aligned to individual financial goals. Our approach combines market analysis with risk assessment to optimize long-term returns while maintaining tax efficiency. We continuously monitor economic trends and adjust allocations to navigate changing market conditions.
Wealth Planning
Comprehensive wealth management solutions covering retirement income strategies, estate planning, and tax optimization. We develop personalized roadmaps integrating clients' unique circumstances with market opportunities to achieve both short-term objectives and long-term legacy goals through coordinated professional advisory networks.
Retirement Strategies
Tailored retirement income plans considering pension options, Social Security optimization, and sustainable withdrawal strategies. Our approach balances capital preservation with growth potential to ensure financial security throughout retirement years while addressing healthcare costs and longevity risks through scenario analysis.
Tax Efficiency Planning
Strategic tax optimization incorporating tax-loss harvesting, asset location strategies, and coordination with clients' accounting professionals. We focus on minimizing tax liabilities across investment portfolios while maintaining alignment with overall wealth management objectives through proactive year-round planning.
Estate Management
Holistic estate planning services addressing wealth transfer, trust implementation, and legacy preservation. We collaborate with legal professionals to establish effective estate structures while considering evolving tax regulations and family-specific requirements to protect and transition wealth efficiently.
People
Michael J. Mussio
President
CFA charterholder and CERTIFIED FINANCIAL PLANNER professional with over 30 years of experience in wealth management. Leads FBB's strategic direction while maintaining active client advisory roles, combining executive leadership with hands-on financial planning expertise.
Stein A. Olavsrud
Executive Vice President
Certified Financial Planner and Chief Compliance Officer with extensive experience in fiduciary responsibilities. Oversees compliance frameworks while providing direct client advisory services, ensuring adherence to regulatory standards and ethical financial practices.
Martha P. Callahan
Senior Portfolio Manager
CPA and CFP professional with 17 years of experience in financial planning and operations. Specializes in comprehensive tax-efficient strategies, leveraging accounting expertise to optimize client wealth management solutions through coordinated professional networks.
Susan Fulton
Co-Founder
Founding member instrumental in establishing FBB's employee-owned structure. Contributed to developing the firm's independent advisory model that prioritizes client interests through transparent fee-only financial guidance since the company's inception.
Jane Delashmutt O'Mara
Senior Portfolio Manager
Experienced investment professional specializing in financial life cycle planning. Focuses on transitional financial phases, providing tailored portfolio management solutions that address evolving client needs through market cycles and personal milestones.
Questions
What investment services does FBB Capital Partners offer?
We provide asset management, retirement planning, tax efficiency strategies, estate planning, and comprehensive wealth management tailored to individual client needs.
What qualifies FBB Capital Partners as a fiduciary advisor?
As a registered investment advisor, we're legally required to act in clients' best interests through our fee-only structure and transparent disclosure practices.
Do you work with out-of-state clients?
Yes, we serve clients nationwide through virtual meetings and have physical offices in Maryland with clients in Florida, California, and multiple eastern states.
What are your minimum investment requirements?
We typically work with clients having at least $500,000 in liquid net worth available for investment management services.
How are advisory fees structured?
Our tiered fee schedule is based on assets under management, assessed quarterly in advance with fees deducted directly from investment portfolios.
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