Tide Creek Financial Group

Tide Creek Financial Group Informed Decisions. Christopher Varlotta, CA Insurance License #4091943, domiciled in MD. Michael Havlik, CA Insurance License # 4108452, domiciled in MD.

Comprehensive financial planning, investment and insurance services for people who strive to make good financial decisions aimed at achieving their financial goals. Better Results

For individuals and business owners who want to feel confident with their finances, Tide Creek provides comprehensive financial services that empower you to make more informed decisions that lead to better results. Our financial planning process can help to take the guesswork out of managing your finances and will show you the implications of your financial choices. We develop and implement goal-based financial plans that are personalized, and provide honest, on-going advice and coaching to keep you on track and allow you to continue to meet your goals as they evolve throughout your lifetime. We are licensed to sell insurance in: AK, AZ, CA, CO, DC, DE, FL, IA, IN, MD, MI, NC, NM, NY, PA, SC, UT, VA, WA, WV and securities in: AL, Az, CA, CO, DC, DE, FL, IN, MD, MI, NC, NJ, NM, NY, PA, SC, UT, VA, WA, WV. We are registered representatives of and offer securities and investment advisory services through MML Investors Services, LLC. Member SIPC (www.SIPC.org). Tide Creek Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies. OSJ: 11350 McCormick Road, Executive Plaza IV, Suite 200 | Hunt Valley, MD 21031 (410) 785-7654. CRN202709-6699574

Got a call or text lately that felt a little too urgent? Trust that instinct. More than half of Americans expect they or...
09/25/2026

Got a call or text lately that felt a little too urgent? Trust that instinct. More than half of Americans expect they or someone close to them will run into financial fraud this year, and plenty already have. The easiest way to protect yourself: if something is pushing you to act fast, slow down and verify it first. Share this with someone who could use the reminder.

https://bit.ly/4jneut4

Did you know? People who work with a CERTIFIED FINANCIAL PLANNER™️ professional are more likely to have an emergency fun...
09/21/2026

Did you know? People who work with a CERTIFIED FINANCIAL PLANNER™️ professional are more likely to have an emergency fund in place, a will on file, and fewer arguments about money at home. That's according to new research from the CFP®️ Board. Small steps, real peace of mind. What's one financial habit that's made your life easier?

Taking care of your parents. Raising your own kids. Running a business. All at the same time. If that's your life right ...
09/15/2026

Taking care of your parents. Raising your own kids. Running a business. All at the same time. If that's your life right now, you're far from alone. Roughly 16 million Americans are doing the exact same juggling act, according to AARP's 2025 Caregiving report. Tag someone who's in the thick of it right now, so they know they're not the only one.

Scam operations aren't just local anymore. INTERPOL has been tracking how organized scam centers have gone global, runni...
09/10/2026

Scam operations aren't just local anymore. INTERPOL has been tracking how organized scam centers have gone global, running the same playbook across borders. The best defense is still the simplest one: slow down before you act on any urgent request for money or information. Have you seen scam attempts get more sophisticated lately?

Say hello to Tim Takacs, the newest member of the Tide Creek Financial Group team! Tim joins our team as a Paraplanner, ...
09/09/2026

Say hello to Tim Takacs, the newest member of the Tide Creek Financial Group team! Tim joins our team as a Paraplanner, working behind the scenes to help build financial strategies tailored to each client's goals. A Virginia Tech grad with a degree in Financial Planning & Wealth Management, Tim says: "Helping people feel confident and secure in their financial future is truly meaningful to me."

Welcome to the team, Tim!

August 14 is National Financial Awareness Day. When did you last take a real look at your full financial picture? Not ju...
08/14/2026

August 14 is National Financial Awareness Day. When did you last take a real look at your full financial picture? Not just your checking account, but your retirement trajectory, your insurance coverage, your estate plan? Most people avoid the review because they're not sure where to start. That's exactly why working with a trusted financial advisor matters.

Law partners spend decades building a career, but what happens if the firm restructures, a merger changes everything, or...
08/10/2026

Law partners spend decades building a career, but what happens if the firm restructures, a merger changes everything, or you're pushed toward an exit before you're ready? Forced merger. Firm dissolution. Partner dispute. Each can affect your finances in ways a standard retirement account was never built to handle.
Have you thought through what would happen if your role changed overnight?

Americans 60 and older reported more than $7.7 billion in losses to scams and fraud in 2025, a 59% increase over the yea...
08/05/2026

Americans 60 and older reported more than $7.7 billion in losses to scams and fraud in 2025, a 59% increase over the year before, according to the FBI's Internet Crime Complaint Center. Investment fraud, phishing, and fake tech support topped the list.
Know the red flags above. Never send money or share account access based on an unexpected call, email, or pop-up. If something feels off, report it to IC3.gov.
https://bit.ly/4wZeTpP

Most business owners have an accountant, an attorney, and a few trusted advisors in place. But having the right people o...
07/29/2026

Most business owners have an accountant, an attorney, and a few trusted advisors in place. But having the right people on your team is only part of the equation.
Without someone who connects your tax strategy, business succession plan, and long-term financial goals into one cohesive picture, even the best team can leave critical gaps in your financial life.
Do you have someone playing that role for you?

07/23/2026

Big news at Tide Creek. You might have heard that Mike (Camm) A. Cammarata recently passed his CEPA (Certified Exit Planning Advisor) exam, making him the third advisor on our team, alongside Chris and Jules, to hold this certification.
Exit planning means building your transition out of your business with intention, not scrambling when the time comes.
Whether you are five years out or twenty, the best time to start thinking about it is now.

Address

8178 Lark Brown Road; Suite 302
Elkridge, MD
21075

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+14434926563

Website

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