John K. Bacci

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J Bacci Designation logos, 2022


John is president of Foundation Financial Advisors, Inc., which he founded in 1996. He has been in the financial services industry since 1983, has been quoted extensively in the local and national financial media, has been named to the Financial Times 400 Top Financial Advisers in 2015, Forbes Best-in-State Wealth Advisor in 2022, and has been a Baltimore Magazine Five Star Wealth Manager every year that the designation has been awarded.

John has achieved the following professional registrations and designations:

  • FINRA Series 7, 63, and 65 securities registrations
  • Chartered Financial Consultant®
  • Chartered Life Underwriter®
  • Life, health, and long-term care insurance licenses
  • Enrolled agent with the Internal Revenue Service
  • Accredited Investment Fiduciary®

John graduated with a BA in economics from Franklin and Marshall College in 1982 and commenced his financial career with Westinghouse Credit Corporation as a lender, where he met his wife, Marianne. In 1983, John began working in the financial services industry as an investment banking representative. He initiated initial public offerings of stock for small companies and used his experience as a lender to provide equity-based financing solutions for growing companies. It is there that John developed his passion for investing. John attended the University of Maryland College Park, where he received his master’s in business administration with a concentration in finance. John’s case study of the Disney Corporation as part of his final year’s studies was awarded the coveted “Best Analysis” award by the faculty of the Robert H. Smith School of Business.

Three years later, faced with the closing of the Maryland office of his firm, John decided to strike out on his own as a financial advisor with IDS Financial Services. While at IDS, John obtained his CFP® certification (1990), as well as his Charted Financial Consultant® certification (1995). As his tax practice expanded, John became an enrolled agent, earning the privilege of representing taxpayers before the Internal Revenue Service. Enrolled agents, like attorneys and CPAs, are unrestricted as to which taxpayers they can represent and what types of tax matters they can handle.

Having “paid his dues” for 10 years and feeling equally equipped in both investment management and tax analysis, John struck out on his own in 1996 and formed Foundation Financial Advisors, Inc., with his business associate John Holtzman. In 1997, Foundation Financial Advisors became an independent Registered Investment Adviser in the state of Maryland to support its rapidly growing investment management business.

John has pursued his passion of helping individuals reach their financial goals for 30 years and sees no end in sight, calling the prospect of his own retirement “foolishness.” “I’m having too much fun to retire,” he says.

John is frequently quoted in the local and national financial media, such as the Wall Street Journal, Money Magazine, Baltimore SunInvestment News DailyDow Jones News, and more. As an adjunct faculty member of the Anne Arundel Community College, he conducts a variety of classes, covering such topics as financial planning, investing, and retirement distribution options. 

John has been named as a Baltimore Magazine Five Star Wealth Manager for 2010 through 2018*, every year that the designation has been awarded.

John lives in the Federal Hill section of Baltimore with his wife, Marianne. He has two adult children, Michael and Michelle. John enjoys golf, tennis, cooking, and music. In what is left of his spare time, John is a very active advocate for several Baltimore area nonprofits, having served on the board of directors of the Baltimore Community Toolbank for six years and as 2016 board president.


John Bacci is proud to have been recognized as a Presidents Club advisor for 2021—a distinction based on annual production attained by 1percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the RIAbroker/dealer that helps us process investment transactions on your behalf, recognizes President’s Club advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Presidents Club advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients. 

The Financial Times 400 is based on each advisor’s performance in six primary areas: assets under management, asset growth, compliance record, experience, credentials, and accessibility. For the full methodology, please visit this page.
* FT 400: To compile the 2015 list, the Financial Times evaluated nominees in six primary areas and calculated a numeric score for each advisor. The areas of consideration were assets under management (AUM), asset growth, compliance record, experience, credentials, and accessibility. Approximately 1,488 qualified applications were received; 400 advisors were selected, representing 26.9 percent of applicants. Not indicative of the advisor's future performance. Your experience may vary. For the full methodology, please visit

Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Overall, 34,925 advisors were considered, and 6,585 (18.8 percent of candidates) were recognized.  This recognition and the due-diligence process conducted are not indicative of the advisor's future performance. Your experience may vary. Winners are organized and ranked by state. Some states may have more advisors than others. You are encouraged to conduct your own research to determine if the advisor is right for you. SHOOK does not receive a fee in exchange for rankings. The full methodology that Forbes developed in partnership with SHOOK Research is available here