Maximize Your Money. Retire Early. Live Fully.

Fee-Only Financial Planning
For 30s & 40s DC Professionals

Comprehensive Financial Planning

Helping Busy Professionals Take Control Of Their Finances

We’re an independent, fee-only financial advisory firm based in Washington, D.C., serving clients across the DMV and nationwide. We help professionals in their 30s and 40s retire early, grow their investments, and pay lower taxes. Fee-only means zero commissions – our advice is always unbiased and in your best interest.

We know how hectic life can be. Between a demanding career, your never-ending to-do list, and planning for the future, you may be wondering: Is my money working as hard as I am?

Gain clarity and peace of mind with a personalized, actionable financial plan tailored to your life. So you can focus on what matters.

Alvin Carlos, CFP®, CFA
Top Financial Advisor 2026 – Washingtonian

Financial Planning Services

What We Offer

Retirement Planning

We'll project your net worth now, in the future, and through retirement so you can get on track to retire by 55 and live the lifestyle you envision.

Optimize 401(k), IRA & Brokerage Accounts

We’ll help you reduce hidden fees, diversify your portfolio, and pursue strong, risk-adjusted returns.

Life Goals & Values-Based Financial Planning

We’ll use the 3 Kinder questions to identify what matters most and align your finances with your goals.

Student Loan & Debt Repayment Planning

We'll dig into whether PSLF, refinancing, or various debt payoff methods can advantage you.

Strategic Tax Planning

From Roth conversions to Backdoor Roths, HSAs, and after-tax 401(k)s, we’ll explore every option to help lower your tax bill now and in retirement.

College Savings & Education Planning

We'll advise you on the best education account to open, how much to contribute, and which investments are best.

Awards

"Top Financial Advisor"

Washingtonian

"Best Financial Advisor For Millennials"

Millennial Money

"Top Financial Professional"

Bethesda Magazine

"Top Financial Planner in Washington, D.C."

Expertise.com

"Diversity Scholarship Winner"

FPA

Partnering With A Fee-Only Financial Advisor

What You Get

A written, comprehensive financial plan, including personalized investment advice and advanced tax-savings strategy
A dedicated CFP® advisor who's with you every step
Referrals to trusted CPAs for tax preparation
Included: Comprehensive estate plan
Included: Free access to modern budgeting software
Zoom meetings every four months with CFP® advisor
Unlimited email support
Monthly personal finance tips
Quarterly investment updates
Ongoing investment guidance

We help you move from “I think I’m doing okay” to “I know I’m on the right track.”

Fee-Only

We're flat-fee, fee-only financial advisors, which means we don’t earn commissions or receive third-party incentives. Our pricing is transparent and straightforward - no hidden fees, no surprises.

Our Pricing

Fiduciary

As fiduciary financial advisors, our only objective is to do what’s best for you. Every recommendation is conflict-free and tailored to your unique goals and circumstances.

Independent

We’re fully independent and earn zero commissions. You can rest easy knowing your best interests are our sole priority.

Fee-Only Financial Advisors | Washington, D.C.

Why Choose District Capital

Comprehensive, actionable advice
We meet you where you are
No investment minimum - financial planning
Friendly and responsive team
Affordable financial management
Passionate about helping professionals in their 30s and 40s
Highly credentialed and experienced financial advisors (CFP®, AFC®, CFA®)
Fee-only fiduciary - unbiased advice, zero commissions.
We don’t just give you recommendations, we explain the why behind them

50+

Years of Experience

170+

Clients

Empowering professionals with expert financial planning – clear, actionable, and designed with purpose.

Who We Serve

Helping Busy Professionals Take Control Of Their Finances

You’re a dedicated professional in your 30s or 40s, juggling work, life, and everything in between, and while you’re successful, you don’t have time to become a financial expert. You’re wondering, “How can I retire by 55?” and “How do I maximize my wealth?”

That’s where we come in. As fee-only financial advisors, we specialize in helping motivated professionals in Washington, D.C., Virginia, and Maryland make the most of their money, plan for early retirement, and simplify their financial lives, with clarity, confidence, and freedom.

As Seen In

Our Financial Planning Team

Meet District Capital Management

We’re an independent, fee-only fiduciary financial planning firm in Washington, DC, helping professionals in their 30s and 40s invest smarter, reduce taxes, and retire with confidence. With four CERTIFIED FINANCIAL PLANNERS®, an Accredited Financial Counselor®, and two CFA® charterholders on our team, we bring a wealth of expertise and insight to every client relationship.

At the heart of everything we do is a steadfast commitment to putting our clients first, delivering tailored strategies to help you achieve your financial goals.

Kayla Welte, CFP®, ChFC®, AFC®

Senior Financial Planner

Alvin Carlos, CFP®, CFA

Financial Planner & Managing Partner

Amy Spalding, CFP®

Financial Planner

Brittany Chapman, CFP®

Financial Planner

Becky Scherbring

Operations & Client Support Specialist

Jessica Hanneman

Marketing Specialist

tec han partner and investment specialist

Tec is the Chief Investment Officer of Vibrato Capital LLC, a private investment office that oversees both tax-exempt and taxable portfolios. He brings experience in institutional investment management. Prior to Vibrato Capital, Tec was a senior analyst for Clark Enterprises, the National Railroad Retirement Investment Trust and Cambridge Associates. Mr. Han graduated from Vassar College with a BA in Economics. He earned his MBA from the Johnson School of Management at Cornell University.

Tec Han, MBA

Partner & Investment Specialist

Tec is the Chief Investment Officer of Vibrato Capital LLC, a private investment office that oversees both tax-exempt and taxable portfolios. He brings experience in institutional investment management. Prior to Vibrato Capital, Tec was a senior analyst for Clark Enterprises, the National Railroad Retirement Investment Trust and Cambridge Associates. Mr. Han graduated from Vassar College with a BA in Economics. He earned his MBA from the Johnson School of Management at Cornell University.

andrew kim - partner and investment specialist

Andrew currently manages the multi-billion dollar pension fund of a fortune 500 company. Prior to this, he was a Senior Investment Analyst at the National Railroad Retirement Investment Trust and a Senior Research Associate at Cambridge Associates. Andrew obtained his bachelor’s degree from Columbia University. Andrew is a proud father.

Andrew Kim, CFA

Partner & Investment Specialist

Andrew currently manages the multi-billion dollar pension fund of a fortune 500 company. Prior to this, he was a Senior Investment Analyst at the National Railroad Retirement Investment Trust and a Senior Research Associate at Cambridge Associates. Andrew obtained his bachelor’s degree from Columbia University. Andrew is a proud father.

Reviews

Our Google Reviews

    
 
 
       Posted on Google  
   
   Alan Heymann 
 
 
 
 Trustindex verifies that the original source of the review is Google. Alvin and his team are spectacular! We've had the pleasure of working with them for many years now, and have provided referrals to multiple friends in the area. District Capital is a thoughtful and kind bunch of folks who back it all up with solid knowledge and skills. They're incredibly responsive and will meet you where you are -- whether you've been managing your own finances for years just fine, or need someone to help make sense of it all for the first time. Can't recommend them enough.
  
 
      Posted on Google  
   
   Casey Johnston 
 
 
 
 Trustindex verifies that the original source of the review is Google. My family has been working with Alvin at District Capital Management for years now.  He's always been accessible, transparent and ready to help answer questions and provide guidance as needed.  I've particularly appreciated Alvin's help with identifying and putting our money into funds that perform well without compromising my ethics.
Working with District Capital has put our family on great footing going into the next chapter of our lives.
  
 
      Posted on Google  
   
   Avery Sen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Alvin and his team have been assisting my wife and I for a number of years. They are capable, empathetic, and organized... doing everything from exploring life-goals wit you, to hand-holding for fine-tuning portfolios. They have helped us manage our financial resources well, and I am confident they can do the same for you and yours.
  
 
      Posted on Google  
   
   D R 
 
 
 
 Trustindex verifies that the original source of the review is Google. We highly recommend District Capital Management and Alvin Carlos to anyone looking for a trusted financial partner with a proven track record!

Alvin is incredibly friendly, responsive, proactive and very knowledgeable.  He takes the time to listen to our queries and is always prepared and strategic in his recommendations.  District Capital Management and Alvin are an excellent resource for our retirement planning and we are very happy to have them as financial partners!
  
 
      Posted on Google  
   
   Danielle Mysliwiec 
 
 
 
 Trustindex verifies that the original source of the review is Google. District Capital Management, and more specifically Alvin Carlos has been our steadfast, level-headed, compassionate, and warm financial coach/advisor for almost a decade. He's assisted us in creating retirement, savings, and budget plans that have led to a dramatic increase in my family's financial stability and peace of mind. Meetings also help with accountability, taxes, questions about estate planning, college funds, insurance, and staying on track. Perhaps most important, I trust Alvin fully to make decisions that are thoughtfully researched, data driven, not impulsive, and wise with our families values and goals at the top of his priority list. He makes financial planning accessible for  all income levels and that inclusivity is powerful.
  
 
      Posted on Google  
   
   Kenny Torrella 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've been working with Alvin at DCM for a year now and really appreciate his extensive knowledge, great and measured advice, and attention to detail. I really recommend DCM for anyone looking for a financial planner.
  
 
      Posted on Google  
   
   Amruza Birdie 
 
 
 
 Trustindex verifies that the original source of the review is Google. I truly can't rave about Alvin and his team enough. They go above in beyond in terms of responsiveness and speed. I feel wholly taken care of and like nothing is off limits. They are so thorough and it's wonderful to have the support on *anything* related to finances. I have had a TON of (probably basic) questions and I never feel like I'm "too much." I truly feel valued and respected and like we're addressing my complete financial picture. Alvin is a dream collaborator for a topic that's emotionally difficult to dive into!
  
 
      Posted on Google  
   
   Mich Martinez-Moraga 
 
 
 
 Trustindex verifies that the original source of the review is Google. Trustworthy.
  
 
      Posted on Google  
   
   Tane Pendergrast 
 
 
 
 Trustindex verifies that the original source of the review is Google.

DCM asks its clients to leave reviews, but Google permits anyone to post, so DCM cannot verify that every reviewer is a client. No compensation was provided for any review. Individual reviews reflect that person’s experience and are not indicative of future results.

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Frequently Asked Questions

Who do you work with?

We work with high-earning professionals in their 30s and 40s who want to make smart decisions with their money and build a clear path to financial independence, often with the goal of retiring by 55. Most of our clients are in the DC, Maryland, and Virginia area, but we work with clients virtually across the U.S.

Do you work with clients virtually?

Yes. We work with clients virtually across the U.S., including many professionals in the DC, Maryland, and Virginia area. Meetings are held via Zoom, and our planning process is designed to be simple, efficient, and easy to complete from anywhere.

What does “fee-only” mean?

Fee-only means we’re paid directly by our clients, not through commissions or product sales. We don’t earn money for recommending investments, insurance, or any other financial products. As fiduciary advisors, our advice is always built around what’s best for you.

How much does financial planning cost?

Our financial planning fees are based on the complexity of your situation. For individuals, fees typically range from $6,000–$9,600 per year ($500–$800/month). For couples, fees typically range from $6,000–$14,400 per year ($500–$1,200/month). We’ll confirm your exact fee during the discovery call before you commit.

How do I get started (and what happens on the first call)?

The first step is a free discovery call. It’s a relaxed conversation where we learn more about your goals, answer your questions, and determine whether working together makes sense. If it feels like a good fit, we’ll explain what the planning process looks like and outline next steps, no pressure.

Here's more about our discovery call process.

Have more questions?

Visit our full FAQ page, or schedule a free discovery call to see if we’re a fit.

Financial Planning Blog

Free Personal Finance Tips

Ready to take charge of your financial future?

Contact Our Friendly Financial Team

We’re Excited To Hear From You!

Location

1930 18th St NW
Ste B2 #1030
Washington, DC 20009

Email

Info@DistrictCapitalManagement.com

Phone

(571) 210-2121

Fee-Only Financial Planning For 30s & 40s DC Professionals

Helping Busy Professionals Take Control Of Their Finances

What We Offer

Retirement Planning

Optimize 401(k), IRA & Brokerage Accounts

Life Goals & Values-Based Financial Planning

Student Loan & Debt Repayment Planning

Strategic Tax Planning

College Savings & Education Planning

Awards

"Top Financial Advisor"

"Best Financial Advisor For Millennials"

"Top Financial Professional"

"Top Financial Planner in Washington, D.C."

"Diversity Scholarship Winner"

What You Get

Fee-Only

Fiduciary

Independent

Why Choose District Capital

50+

170+

Empowering professionals with expert financial planning – clear, actionable, and designed with purpose.

Helping Busy Professionals Take Control Of Their Finances

Meet the Sanchez Family

Meet Ronil

Meet Kat

Meet Jamie

As Seen In

Meet District Capital Management

Kayla Welte, CFP®, ChFC®, AFC®​

Senior Financial Planner

Alvin Carlos, CFP®, CFA​

Financial Planner & Managing Partner

Amy Spalding, CFP®

Financial Planner

Brittany Chapman, CFP®

Financial Planner

Becky Scherbring​

Operations & Client Support Specialist

Jessica Hanneman​

Marketing Specialist

Tec Han, MBA​

Partner & Investment Specialist

Andrew Kim, CFA​

Partner & Investment Specialist

Our Google Reviews

Member Of

Frequently Asked Questions

Free Personal Finance Tips

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Net Worth To Be In The Lower, Middle & Upper Class U.S.

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Best Short-Term Investments for 2026: Current Rates and How to Choose

HSA vs Roth IRA: Which Should You Prioritize In 2026?

Ready to take charge of your financial future?

We’re Excited To Hear From You!

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Fee-Only Financial Planning
For 30s & 40s DC Professionals

Kayla Welte, CFP®, ChFC®, AFC®

Alvin Carlos, CFP®, CFA

Becky Scherbring

Jessica Hanneman

Tec Han, MBA

Andrew Kim, CFA