John K. Bacci

_DSC5271 J Bacci Bio





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, 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 StarSM 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 acted as 2016 board president.


John Bacci is proud to have been recognized as a President's Club advisor for 2019—a distinction based on annual production attained by 13 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the Registered Investment Adviser–broker/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. President's 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.

*Based on 10 objective eligibility and evaluation criteria, including a minimum of 5 years as an active credentialed financial professional, favorable regulatory and complaint history, accepts new clients, client retention rates, client assets administered, education, and professional designations. 1759 Baltimore area wealth managers were considered for the award; 232 (13 percent of candidates) were named 2018 Five Star Wealth Managers. (The criteria provided reflects the most recent year for which advisor received the award. The criteria used, the number of wealth managers considered for the award, and the percentage of those who receive the award, may vary from year to year). These awards are not indicative of the wealth managers' future performance. Your experiences may vary. For more information, please visit

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 on 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 advisor's future performance. Your experience may vary. For the full methodology, please visit