Achieve your full potential with your trusted Howard County financial advisors

Elite Income Advisors: Serving Howard County, Anne Arundel County, and all of Maryland

Our financial advisors in Howard County, MD and Anne Arundel are your partners in building a secure and rewarding financial future. Our commitment to excellence drives us to provide personalized financial education and solutions tailored to your unique needs.

OUR SERVICES

OUR TAILORED FINANCIAL SERVICES

At Elite Income Advisors, we have the tools and experience to provide personalized services that suit your individual needs. Our financial advisors in Anne Arundel and Howard County are your partners as you navigate your financial future and fulfill your financial dreams.

INVESTMENT MANAGEMENT

Our financial advisors customize strategies intended to help you grow your wealth and achieve financial success.

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FINANCIAL PLANNING

Every individual and family has different financial circumstances Wherever you are in life, we can help you plan your future.

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RETIREMENT PLANNING

We offer comprehensive retirement planning services tailored to meet the unique needs of residents in Howard County, Maryland, and the surrounding area.

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INSURANCE

Life is unpredictable. We’re committed to protecting our clients and their loved ones from unforeseen events.

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ESTATE PLANNING

This is a crucial aspect of financial planning that ensures your assets are protected and distributed according to your wishes

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TAX PLANNING

Our tax planning services are geared towards assisting you in calculating your current tax liability.

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OZER CULHAGIL, PH.D.

OZER CULHAGIL, PH.D.

CHIEF EXECUTIVE OFFICER

"WE ARE ALL ABOUT INCOME. WE WANT TO MAKE SURE YOU HAVE ENOUGH INCOME COMING IN WHEN YOU RETIRE. AND WE ALSO WANT TO MAKE SURE WE CONSIDER INFLATION AND TAXES.”

PRASHANT SABAPATHI

PRASHANT SABAPATHI

LICENSED FIDUCIARY

“STOP THINKING ABOUT RETIREMENT AS, ‘I HAVE TO GET TO [A CERTAIN NUMBER] BEFORE I CAN RETIRE.’ FIGURE OUT WHAT LIFE NEEDS TO LOOK LIKE, AND LET’S BUILD A PLAN THAT ALLOWS YOU THE OPPORTUNITY TO LIVE THAT LIFESTYLE.” 

ABOUT US

Meet Our Team of Howard County Financial Advisors

Our dedicated team of financial advisors in Howard County, MD and Anne Arundel understand the complexities of financial planning. Ozer Culhagil, Ph.D. and Prashant Sabapathi co-founded EIA with a dedication to elevating people’s financial well-being, making it possible for them to prosper throughout retirement.  
 
Every member of the EIA team is united in embracing this steadfast commitment. 

WHY CHOOSE US

PROFESSIONAL GUIDANCE, PERSONALIZED PLANNING, AND LASTING CONFIDENCE

SIMPLIFIED & PERSONALIZED FINANCE PLANNING Icon

SIMPLIFIED & PERSONALIZED FINANCE PLANNING

We take the stress out of financial planning by providing clear, customized guidance tailored to your unique goals and circumstances.

TRUSTED GUIDANCE EVERY STEP OF THE WAY Icon

TRUSTED GUIDANCE EVERY STEP OF THE WAY

Our dedicated team ensures you receive top-tier service and expertise, whether you're just starting your journey or optimizing your investments.

EDUCATION-DRIVEN, CLIENT-FOCUSED APPROACH Icon

EDUCATION-DRIVEN, CLIENT-FOCUSED APPROACH

We empower you with knowledge and multiple ways to connect, ensuring informed decisions for a secure financial future.

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EDUCATION CENTER

YOUR HUB FOR FINANCIAL KNOWLEDGE AND EMPOWERMENT

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At EIA, we’re dedicated to providing the educational resources you need to ensure a secure financial future. Whether you are seeking a financial advisor in Howard County or need professional guidance on financial matters, our robust Education Center has helpful insights into investment management, financial planning, retirement, and more! 

INVESTMENT MANAGEMENT
FINANCIAL PLANNING
RETIREMENT PLANNING
INSURANCE
ESTATE PLANNING
TAX PLANNING
What is an Annuity & How it Works
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What is an Annuity & How it Works

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Investment Strategy: What Financial Phase Are You In?
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Investment Strategy: What Financial Phase Are You In?

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Annuity Questions Answered and Retirement Planning using the Easy Button.

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Asset Management vs Wealth Management: Which Is Right for You?
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Asset Management vs Wealth Management: Which Is Right for You?

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Annuity vs CD: Which Provides Better Returns?
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Annuity vs CD: Which Provides Better Returns?

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Front Load vs. Back Load Annuities: Which Option is Right for You?
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Front Load vs. Back Load Annuities: Which Option is Right for You?

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Your Expert Guide to Retirement Accounts: Types, Benefits, and Tips
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Your Expert Guide to Retirement Accounts: Types, Benefits, and Tips

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7 Proven Strategies to Retire Early and Live Your Dream Life
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7 Proven Strategies to Retire Early and Live Your Dream Life

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How Much Money Do You Really Need to Retire Comfortably?
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How Much Money Do You Really Need to Retire Comfortably?

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What is an Annuity & How it Works
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What is an Annuity & How it Works

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What about Insurance?

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An Estate Plan is Essential to Your Retirement Plan

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Secure Act 2.0 Means Big Changes to Retirement Saving

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The Secure Act 2.0

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Taxes in Retirement, What’s Taxable, What’s Not, Important Things to Know.

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Avoid the Madness in Retirement, Have a Plan

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Financial Considerations BEFORE the Current Tax Codes Sunset

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EVENTS

Events Tailored for central Maryland’s Financial Community

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Stay informed and expand your knowledge by attending one of our educational workshops or seminars. Whether you’re planning for retirement, interested in optimizing your Social Security benefits, or seeking help with estate planning, we’ve got you covered. Explore our events tailored for Maryland residents and reach out to secure your spot today! 

SOCIAL SECURITY OPTIMIZATION, INCOME, AND TAX PLANNING

Learn about vital estate planning strategies, documentation, types of trusts, and rothRoth conversions specifically curated for our clients in Maryland. 

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PLANNING YOUR RETIREMENT

This comprehensive 4-hour class is crafted to cover retirement basics all the way to complex retirement concepts and topics.

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RETIREMENT MASTER CLASS

discover how to insulate themselves from the risks of rising taxes, Social Security taxation, and how to avoid common mistakes.

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WHAT TO EXPECT FROM YOUR FIRST APPOINTMENT

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1


RETIREMENT SMART ROADMAP

We’ll meet with you & explain our unique plan for your success using this road map. It “maps out” your income for the rest of your life, factoring in tax changes and inflation.

2


SOCIAL SECURITY

We’ll go through all your Social Security statements with you and determine the best strategy to optimize your Social Security.

3

RISK ANALYSIS

Are your current investments right for you? We’ll work with you to find out! If there’s room for improvement, we’ll lay out your options so you can make informed choices.

CONTACT US FOR YOUR CONFIDENTIAL RETIREMENT CONVERSATION

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