David Frank, CFP®, CIMA® is a lifelong Baltimorean with deep roots in the community and over three decades of experience helping clients navigate the complexities of wealth management. Born and raised in Baltimore, David’s interest in investments sparked at an early age. His father encouraged his curiosity by giving him $100 to invest in the stock market for his 11th birthday, igniting a lifelong passion for finance. This early experience laid the foundation for David’s career, where he combines investment knowledge with strategic financial planning to help clients achieve their goals.
David graduated with honors from the University of Baltimore, earning a Bachelor’s Degree in Business Administration with a concentration in Computer Information Systems. His professional journey took him from investments to comprehensive financial planning, where he holds both the CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Investment Management Analyst® (CIMA®) designations.
David’s career is defined by his commitment to finding creative financial solutions for his clients. “For me, it’s all about discovering missed opportunities and crafting advice that truly makes a difference,” he shares. His passion for teaching is evident in how he walks clients through complex strategies, striving to ensure they understand the solutions being proposed. Whether it’s identifying tax efficiencies or refining investment strategies, David’s approach is both meticulous and compassionate.
Throughout his career, David has received numerous accolades, including consistently earning the Five Star Wealth Manager Award (2014-2024)***, Forbes Best-In-State Wealth Management Team Member (2024 and 2026)** and Forbes’ Best-In-State Wealth Advisors in 2024*. We believe these recognitions reflect his dedication to delivering personalized, impactful advice to every client he serves.
Outside of work, David is equally dedicated to his community. For the last four years, he and his family have made lunches every weekend for the homeless—a tradition that has become a cornerstone of their weekends. During the pandemic, they also donated thousands of bags of homemade granola to frontline medical workers across the country. His commitment to being in the right place at the right time extends beyond the office—David has played a pivotal role in saving lives, including orchestrating a kidney donation and insisting on medical attention for a colleague that ultimately saved his life.
David and his wife, Martha, enjoy traveling, hiking, cooking, attending concerts, and going to the theater with their two children, Ryan and Isabel. He also finds joy in volunteering, knowing that his efforts make a tangible difference. Looking forward, David is excited about working diligently with the team to have a direct impact on the businesses and families our practice serves.
David’s philosophy is simple: “We strive to have meaningful impact on the generations of families we serve.” His clients know him as honest, hardworking, and passionate—a trusted advisor who strives to be an integral part of their financial journey, just like family.
Professional Recognitions:
- Forbes Best-In-State Wealth Advisor (2019-2024)
- Five Star Professional Award Recipient (2014-2024)
- Forbes Best-In-State Wealth Management Team Member 2024 and 2026
AR Insurance License #2316291, CA Insurance License #1734582
* The Forbes Best-in-State Wealth Advisors rating was presented in April 2024 using data gathered from June 2022 to June 2023 by SHOOK Research, LLC, which does not receive compensation from the advisors or their firms in exchange for placement on a rating. It uses a rating algorithm that is based on the previous year’s industry experience, interviews, compliance records, assets under management, revenue and other criteria. Investment performance is not a criterion. Self-completed survey was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria.
**2026 Forbes Best-in-State Wealth Management Teams: Awarded January 2026; Data compiled by SHOOK Research LLC based on the time period from 3/31/24 – 3/31/25 (Source: Forbes.com). 2024 Forbes Best-in-State Wealth Management Teams: Awarded January 2024; Data compiled by SHOOK Research LLC based on the time period from 3/31/22 – 3/31/23 (Source: Forbes.com). The Forbes Best-in-State Wealth Management Teams rating algorithm is based on the previous year’s industry experience, interviews, compliance records, assets under management, revenue and other criteria by SHOOK Research, LLC. Investment performance is not a criterion. Self-completed survey was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria.
***The Five Star Wealth Manager award was issued by Five Star Professional (FSP). Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future.
This award was issued on 1/1/24 by Five Star Professional (FSP) for the time period 4/10/23 through 10/31/23. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 2,149 Baltimore-area wealth managers were considered for the award; 257 (12% of candidates) were named 2024 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2023: 2126, 256, 12%, 1/1/23, 4/18/22 – 10/21/22; 2022: 2078, 260, 13%, 1/1/22, 5/10/21 – 11/12/21; 2021: 2029, 237, 12%, 1/1/21, 4/27/20 – 10/30/20; 2020: 1898, 234, 12%, 1/1/20, 4/1/19 – 11/13/19; 2019: 1865, 265, 14%, 1/1/19, 4/19/18 – 11/7/18; 2018: 1759, 232, 13%, 1/1/18, 4/21/17 – 11/6/17; 2017: 1093, 355, 32%, 12/1/16, 3/26/16 – 11/11/16; 2016: 1215, 356, 29%, 12/1/15, 6/16/15 – 11/9/15; 2015: 1749, 412, 24%, 1/1/15, 6/16/14 – 11/9/14; 2014: 1484, 395, 27%, 1/1/14, 6/16/13 – 11/9/13.
