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Helping you make smart money moves – because in retirement, every single decision matters.

Practical advice. Personalized planning. Outstanding client service.

You may have an attorney, an accountant, a stockbroker, and an insurance agent, but do you have someone in your corner collaborating with you to ensure every decision you make today supports your long-term financial goals?

At Phronesis Wealth Management, we serve as your trusted advisors as you navigate the complexities of retirement income planning with confidence.

Using our sensible planning approach, we focus on making your retirement money last as long as you do. Together, we’ll identify effective strategies for withdrawing your money in retirement that balance your immediate income needs with long-term financial security.

Based in Severna Park, we work in a fiduciary capacity to provide fee-based financial advice, service, and support. Discover how we can partner with you on your financial journey. Schedule a Financial Second Opinion™ today.

"For over 26 years, Richard Osman and his staff have overseen our finances. While ups and downs occur, our experience with them leaves complete confidence in their judgment and selection of investments that keep the portfolio thriving. Our goals are discussed, planned, and met. I believe my best interests are paramount to the strategies put in place. Professional, caring, and competent describes the whole team."
Joyce S., Millersville, MD

This statement is a testimonial by a client of the financial professional as of 12/19/2022. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.


We create strategies that are tailored to your needs and goals.

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Years of experience have prepared us to guide you through your life transitions.

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Collaboration. Honesty. Integrity. We believe values matter, and we live by ours every day.

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With You in Mind

With You in Mind

Our business is built on a foundation of thoughtful client relationships.

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