District Capital Management – Alvin Carlos
Fee-Only Financial Planning for 30s and 40s Professionals in DC

Your 30s and 40s are filled with important financial decisions — buying a home, raising a family, growing your career or business. And your choices will shape your financial future for decades to come.

At District Capital Management, we help busy professionals make smart, confident money decisions — so you can grow your wealth, retire by 55, and live on your terms.

Hi, I’m Alvin, CFP®, CFA.
I’m a fee-only financial advisor based in Washington, D.C., and the founder of District Capital Management. Since 2013, I’ve worked with over 500 professionals to help them take control of their finances, reduce stress, and build lasting wealth.

I understand how overwhelming this stage of life can feel — juggling student loans, navigating D.C.’s housing market, planning for your child’s education, managing your retirement investments, or launching a business. With so much on your plate, finding the time (or energy) to dive into investments, taxes, and retirement strategies can be overwhelming.

That’s where I come in. As a CERTIFIED FINANCIAL PLANNER® and CFA® charterholder, I create personalized, research-driven financial plans that evolve with you, helping you make the most of your money and move confidently toward early retirement.

What We Offer: Comprehensive Financial Planning
We provide ongoing, flat-fee financial planning designed specifically for professionals in their 30s and 40s.  Our goal is to help you feel confident and in control of your financial future, so you can focus more on living and less on stressing over money.

We cover key areas such as:

• Maximizing your 401(k), IRA, and brokerage accounts
• Creating a savings and investing plan that aligns with your goals
• Developing a smart student loan repayment strategy
• Building a clear path toward early retirement
• Identifying tax-saving opportunities across your finances
• Saving for your child’s education
• Making the most of your employee benefits package

No commissions. No investment minimums. Just clear, honest advice from a fiduciary who puts your interests first.

Why Choose Us

• Specialized expertise: We serve professionals in their 30s and 40s who want to retire early and live intentionally.
• Flat annual fee: Our pricing is simple and transparent.
• Fiduciary & fee-only: We work solely in your best interest. No product sales, ever.
• DC-based, virtually accessible: We serve clients across the DMV and beyond.
  

Let’s Build a Financial Plan That Works as Hard as You Do
You don’t need to have everything figured out — you just need a trusted partner to guide you. Let’s work together to build a financial future you’re excited about.

Learn more about our services and flat-fee pricing.