The retirement you've earned

It all begins with a plan

We believe that good financial planning advice is invaluable—it helps prepare you for whatever life brings. But it is especially important during times of major life change. Our process focuses on you and the priorities, goals, concerns and beliefs that will ultimately impact your financial well-being for years to come. We're here to help you tackle your concerns and embrace the opportunities that can enrich and empower you today and for years to come.

Sailing splash

Michael K. Phillips

Vice President–Wealth Management

Michael is an experienced financial advisor who works closely with his clients to develop a deep understanding of what they need and want.  He takes the time to learn about their families, their businesses and their goals for the future.  Michael has worked with multiple generations of families to help guide them through various economic conditions and life events. He has a bachelor's degree in Economics from St. Mary's College and been sharing his knowledge, advice and wisdom with clients since 1994.

Registered States:
  • AR
  • CA
  • CO
  • DE
  • FL
  • GA
  • IL
  • KY
  • MD
  • MN
  • NV
  • NY
  • SC
  • TX
  • UT
  • VA
  • WA


  • B.A., Economics, St. Mary's College of Maryland

Our advice is comprehensive. We help diverse clients in a broad range of areas, including:

Retirement planning
Legacy planning
Business succession
3 Park Place
Suite 300
Annapolis, MD 21401
  • (410) 576-3268

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Michael is an experienced financial advisor assisting corporate executives, business owners, and their families in achieving their financial goals. With a deep understanding of the complexities of wealth management, he provides strategic guidance tailored to each client's unique needs and objectives.

Focus on liquidity management


UBS and Credit Suisse—stronger than ever

Retirement Couple

Retirement readiness

Year Ahead 2023

A year of inflections

Following one of the toughest years in history for investors, CIO sets its sights on the Year Ahead. Entering what we expect to be a “Year of Inflections,” uncertainty remains high. But for investors with the ability to look through short-term noise, the difficulties of 2022 should make way for longer-term opportunities. Navigating these anticipated inflection points in 2023 will be key to investment success.

Backed by the strength of UBS

A global leader in wealth management

$3.9 trillion

In invested assets globally 
As of 12/31/2022

Global leader

UBS is a world-leading wealth manager

Financial strength

Driving confidence.
Aa3 (stable) Moody’s
A+ (stable) Standard & Poor’s

UBS AG, long-term senior secured debt rating. As of 12/31/2022