Frederick Advisors
David Latch, FSSĀ®
Financial Planner & Investment Adviser
Why We're Different?


Choosing a financial adviser is probably the most important, long-term financial decision you will ever make.  That is why it is so important that you choose a person who is a FIDUCIARY. I'm just as concerned about who you are as they are about the assets you have.  Many advisers however seem focused primarily on their client’s assets.  Unfortunately, that is only half of the picture.  Who you are is the other half.

At Frederick Advisors, we get to know you, not just your assets.  By establishing the relationship first, we can determine if / how we can add value to what you are already doing.  Click here to learn more.

Call (301) 662-6126 today or click here to email us to learn more about the range of financial and estate planning services offered.

 Frederick Advisors is proud to be a member of these outstanding organizations:

American Legion
National Ethics Association

Financial Planning Association

Veteran Owned Business Association










Latest Video Client Alert
  • Saving or Investing: Is There a Difference?
    Financially speaking, the terms "saving" and "investing" are often used interchangeably. But the concepts behind these terms actually have some important differences.
  • Investor, Know Thyself: How Your Biases Can Affect Investment Decisions
    Traditional economic models are based on a simple premise: people make rational financial decisions that are designed to maximize their economic
  • Open Enrollment Season Is Here: Give Your Benefits a Check Up
    Open enrollment season is your annual opportunity to review your employer-provided benefit options and make elections for the upcoming plan year.
  • Do I have to pay an additional tax on investment income?
    You might, depending on a few important factors.
  • How can I manage the net investment income tax?
    If you are subject to the 3.8% net investment income tax, there are strategies that may help you manage that tax. The tax is applied to the lesser of your net
Press / News Releases

WiserAdvisor announces that David Latch of Frederick Advisors has been awarded admittance as a member of its directory of financial advisors.


Because of the strict standards that a financial professional must meet in order to become a member, WiserAdvisor only admits a select few high-quality financial advisors and financial planners. More than 600,000 professionals can provide insurance and financial advice. Less than 1% have been granted membership into WiserAdvisor. 


Financial advisors are granted admission into WiserAdvisor ( based on their credentials and qualifications. All members offer their services to investors with a fee rather than solely with commissions, allowing them to assist investors with a variety of different investment options. All members are also properly registered with the SEC, FINRA or other regulatory organizations.


Since 2003, WiserAdvisor has focused on taking much of the guesswork out of finding a qualified financial advisor or financial planner. This is done both through the stringent admittance guidelines, as well as through the information provided to investors about each member advisor. All members must complete an extensive profile outlining their services, qualifications and credentials, including their education background. 


Thousands of investors use WiserAdvisor each year to find local financial advisors and planners, and trust that WiserAdvisor will help them find the right professionals to meet their unique needs.



WiserAdvisor is an online service that connects investors to local financial advisors and financial planners. It is an independent and free service provided to investors, allowing them to find local professionals who can help them build their portfolios, plan for retirement, manage their estates, or to help them with other investment issues. More information about WiserAdvisor and its services can be found at


About Frederick Advisors

David Latch is a financial advisor located in Frederick, MD.
More information about David can be found at and at

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Investment Adviser of, and Investment Services offered through, Royal Fund Management, LLC, an SEC Registered Investment Adviser.

Registered to offer investment and advisory services in all 50 states.