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Phronesis Wealth Management

Phronesis Wealth Management


Phronesis Wealth Management was established in 1992 by Richard C. Osman in Severna Park, Maryland. We work as a team to provide comprehensive financial, retirement, investment, business owner and estate planning strategies using prudent strategies and state-of-the-art software. We seek to help implement strategies to address your individual needs, as well as help you stay on course.

If this makes sense to you, give us the opportunity to have a confidential discussion about your goals by scheduling a complimentary consultation

Learn more about our story in this short YouTube video:

We understand the challenges families face today. From managing debt to saving for college to retirement, these personal finance challenges can be overwhelming. Our commitment is to utilize all of our resources to help you pursue your goals.

We understand that everyone has their own hopes and dreams and we believe in an “out of the box” approach to financial planning. Our team is not afraid to challenge traditional thinking in our approach to investing and preserving wealth. All our energy, commitment, and efforts are focused on you, the client, and your satisfaction. We will take the time to understand your goals and help you focus on what matters most to you.


Our mission is to get to know and understand your needs, wants, and long-term goals. At Phronesis Wealth Management, we want to help you develop, implement, and monitor a strategy that's designed to address your individual situation.