Fee-Only Financial Planning for 30s and 40s Professionals in DC

Your 30s and 40s are packed with life-changing financial decisions — buying a home, starting a family, advancing your career, or launching a business. These choices will shape your financial future for decades.

At District Capital Management, we help busy professionals in their prime earning years make smart, confident money decisions — so you can grow wealth, reduce stress, and retire by 55.

Hi, I’m Alvin Carlos, CFP®, CFA.

I’m a fee-only financial advisor based in Washington, D.C., and the founder of District Capital Management. Since 2013, my team and I have helped over 500 professionals take control of their finances and build lasting wealth.

We know firsthand how overwhelming this life stage can feel — balancing student loans, navigating D.C.’s housing market, planning for your child’s education, or growing a business. With so much on your plate, finding the time (or energy) to dig into investments, taxes, and retirement planning isn’t easy.

That’s where we come in. As a CERTIFIED FINANCIAL PLANNER® and CFA® charterholder, my team and I create personalized, research-driven financial plans that evolve with you — helping you make smarter financial moves now while setting you up for early retirement.

What We Offer: Comprehensive Financial Planning

We provide ongoing, flat-fee financial planning specifically designed for professionals in their 30s and 40s. Our goal is to help you feel in control of your finances — so you can spend less time worrying about money and more time living fully.

We help you:

● Maximize your 401(k), IRA, and brokerage accounts
● Create a smart savings and investing plan that aligns with your goals
● Build a clear path to retire by 55
● Strategize student loan repayment
● Identify tax-saving opportunities across your finances
● Save for your child’s education
● Make 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 Clients Choose Us

● We specialize in helping professionals in their 30s & 40s: You’re our people — we get your goals and challenges.
● Simple, flat annual fee: No surprises. No hidden costs.
● Fiduciary, fee-only advice: No product sales. Ever.
● Local & virtual: Based in D.C., serving clients across the DMV and nationwide.

Let’s Build a Financial Plan That Works as Hard as You Do

You don’t need to have it all figured out. You just need a trusted partner to help guide the way. Let’s work together to build a financial future you’re excited about.

Learn more about our services and flat-fee pricing, or click here to schedule a free discovery call with one of our CFP® advisors.