Philip Biedronski (CFP®, CPA, MBA)

Philip Biedronski focuses in the
following client markets or areas of practice:

  • Cash Flow/Budgets/Credit Issues
  • Charitable Giving
  • College/Education Planning
  • Retirement Planning & Distribution Rules

Planning Specialties

Retirement Planning – Many individuals retiring today will spend 25–30 years (or more) in retirement.  That’s a long time to project out your income, spending, and investment returns.  We can help you put together a retirement plan that will allow you to enjoy those golden years knowing your finances are in good shape and that you have a trusted advisor there to help you when the seas get a little rough.

Saving for College - There’s no question that a college education is a valuable commodity, but it comes with a hefty price tag.  There are many avenues to pay for college, from scholarships to financial aid, grants to work study programs, and various student/parent loan options.  Let us help you figure out what would work best in your situation.

Portfolio Review – A well-managed investment portfolio is a critical component to reaching your financial goals, so you want to be sure your portfolio is set up for success, generating solid returns with an acceptable level of risk.  And the sooner the better to let the power of compounding work its magic.  Let us help to ensure your investment portfolio is setting you up for long-term success!

Tax-Efficient Giving - If you’re charitably inclined, we can make your giving dollars go further.  There are a number of tools, such as establishing a Donor-Advised Fund (DAF), donating appreciated stock, or using a Qualified Charitable Donation (QCD), that can turbocharge your charitable giving.   We can find ways to give your charitable donations a boost, courtesy of the IRS!

Additional Information

Philip J. Biedronski, Jr., (Phil) is the founder and sole owner of Rising Tide Financial Solutions LLC.  Phil is a Certified Public Accountant (CPA) and a Certified Financial Planner (CFP®) with over 30 years of experience as a financial professional.

As President of Rising Tide Financial Solutions LLC, Phil focuses on helping his clients achieve their personal finance goals, whether that’s planning for a safe, secure retirement; saving for their children’s or grandchildren’s college education; implementing tax-efficient charitable giving strategies; or any number of other financial goals.  Phil’s knowledge of the tax laws and numerous investment and savings strategies provide his clients with opportunities to utilize their hard-earned income and savings most effectively.

NAPFA Start Date

October 01, 2019


This Office

4314 Mispillion Rd Nottingham, MD 21236-2920 Phone: (443) 384-7079