Your Portfolio Should Support More Than Market Performance
Your investments should reflect your financial goals, your timeline, and the life they are meant to support. We manage portfolios with active oversight designed to keep investment strategy aligned with long-term planning.
Active Investment Management Services
Marks Wealth Management provides active investment management built around your financial plan, timeline, and goals.
Every portfolio is guided by a Certified Financial Planner (CFP) and managed using ongoing market evaluation and technical analysis from a Chartered Market Technician (CMT). As an independent, fee-only fiduciary firm based in Ellicott City, Maryland, every investment decision is made in alignment with your broader financial strategy.
Whether you are approaching retirement, managing concentrated wealth, or drawing retirement income, your portfolio and plan will reflect your financial needs for the different phases of your life.
When Active Investment Management Matters Most
Approaching retirement with a significant portfolio
You have $1M or more in investable assets and are in or approaching the Retirement Red Zone, the critical one-to-five-year window before retirement where the strategies that worked during accumulation carry new risks.
Managing a concentrated position or sudden liquidity
You have sold a business, received an inheritance, or hold concentrated stock, and the decisions you make now about how to invest and protect this capital will shape your financial life for decades.
Concerned your portfolio lacks ongoing oversight
You have investments with another advisor or brokerage firm and are unsure how actively your portfolio is being evaluated as markets and financial conditions change.
How Your Portfolio Is Managed and Reviewed
Investment management at Marks Wealth aligns your portfolio with your financial plan. Your investments are structured around long-term goals, monitored regularly, and adjusted as your needs and market conditions evolve.
Portfolio Construction and Strategy
Your portfolio is designed around the timeline, income needs, and objectives defined in your financial plan. We build portfolios independently as a fee-only fiduciary firm, without commissions, proprietary products, or standardized allocation templates.
Our investment strategy focuses on trend following in leading areas of the market. This is accomplished using technical analysis insights from our Chartered Market Technician.
Ongoing Market Evaluation
Our investment process incorporates technical analysis and ongoing market evaluation to help assess portfolio risk, diversification, and positioning as conditions change over time.
Portfolio Adjustments
Portfolio adjustments are made as market conditions, financial goals, or life circumstances evolve.
What Active Investment Management Should Deliver
A portfolio aligned with your financial plan, supported through ongoing oversight and long-term investment discipline.
A Portfolio Aligned to Your Financial Plan
Your investments are structured around the goals, timeline, and income needs defined in your financial plan. Helping your portfolio support long-term goals rather than simply track market performance.
Ongoing Oversight and Portfolio Review
Your portfolio is reviewed regularly as market conditions and financial priorities evolve, helping investment decisions remain aligned with your broader financial strategy.
Fiduciary Transparency at Every Level
Every investment decision is made as a fee-only fiduciary with transparent compensation and no commissions or proprietary products.
A Long-Term Investment Relationship
Investment management should evolve alongside your financial life. Our team provides ongoing guidance designed to support changing goals, income needs, and long-term planning priorities over time.
Why Marks Wealth Management?
Investment management is only as strong as the team behind it. Your portfolio requires more than a strategy on paper. It requires daily oversight, informed decisions, and a fiduciary commitment that extends to every level of the relationship.
Planning Led by a Certified Financial Planner
Your financial plan is guided by a Certified Financial Planner (CFP) who evaluates retirement, income, taxes, investments, and long-term goals as part of one coordinated strategy.
Portfolio Management Built Around Your Goals
Your portfolio is managed with attention to retirement income, long-term financial stability, and changing market conditions. Our investment strategy incorporates technical analysis and proper risk management through a Chartered Market Technician (CMT) designed to support the realities of retirement planning.
A Long-Term Partner for the Years Ahead
Your financial life does not follow a straight line, and neither should your advisory relationship. As your goals, responsibilities, and opportunities evolve over time, your financial plan should evolve with them.
Our team is structured to support long-term client relationships through coordinated guidance designed to adapt alongside every stage of life.
What to Expect
Investment decisions are most effective when they are guided by a clear process tied to your broader financial plan.
Goal Orientation
We begin by understanding your financial goals, investment timeline, income needs, and overall planning priorities.
Financial Review
We review your current portfolio, account structure, and existing investment strategy to evaluate how well your investments align with your long-term objectives.
Planning & Forecasting
We evaluate how your investment strategy supports retirement planning, income needs, risk tolerance, and long-term financial goals.
Strategic Guidance
We present investment recommendations designed to align your portfolio with your broader financial strategy and changing financial priorities.
Implementation
We implement the agreed-upon investment strategy with full transparency and ongoing coordination across your accounts and financial plan.
Active Monitoring & Review
Your portfolio is reviewed regularly as market conditions, financial goals, and planning needs evolve over time.
Key Investment Management Questions We Help You Navigate
Investment management decisions carry real consequences for your financial plan, your retirement, and how well your portfolio holds up when you need it most.
Is active management worth the additional cost compared to a passive index approach?
Passive investing and active management serve different purposes. Passive strategies focus on broad market exposure. Active management allows portfolios to be evaluated and adjusted in response to changing market conditions, financial goals, and risk considerations.
The appropriate approach depends on how closely investment strategy needs to align with broader financial planning objectives.
How should my portfolio change as I move from accumulating assets to drawing income from them?
As retirement approaches, portfolio strategy often shifts from long-term accumulation toward income sustainability and risk management. Market downturns can have a greater impact once withdrawals begin, making investment structure, risk management, and distribution planning increasingly interconnected.
How often is my portfolio actually being reviewed, and what triggers an adjustment?
Portfolios are reviewed regularly as market conditions, financial goals, and investment needs evolve. Adjustments may be influenced by changes in market conditions, portfolio positioning, retirement planning needs, or broader financial objectives.
What happens to my portfolio during periods of market volatility?
Market volatility is a normal part of long-term investing. Our investment process incorporates risk management tools through our Chartered Market Technician being able to identify potential shifts in the market, avoiding unnecessary drawdowns. Our portfolio is reviewed often, adapting to volatile times in the market. This helps our investment strategy remain aligned with long-term financial goals during changing market conditions.
Other Financial Planning Services
The way your portfolio is managed affects your retirement income, your tax position, and the legacy you leave behind. These services work together with your investment strategy to support your full financial picture over time.
Retirement & Social Security Planning
Turn retirement goals into a working strategy with clear timing, income structure, and Social Security decisions aligned to your plan.
Legacy & Estate Planning
Aligning your will, trust, and family legacy plan so your assets support the people and priorities that matter most.
Tax Efficiency Strategies
Structure your income, investments, and withdrawals to manage tax impact across federal, state, and local levels and retain more of what you earn.
Risk Management
Align your level of risk with your savings, lifestyle, and timeline, so your financial strategy reflects both what you want to achieve and what you…
Investment Management
Turn your assets into a more actively managed portfolio, with disciplined oversight and market insight aligned to your financial goals.
What Our Clients Say
Have been with MWM since retiring in 2022 and it’s one of the best financial decisions I’ve ever made. They have solid investment strategies with expert analysis that adapts to the ever changing markets in order to grow your portfolio. This coupled with regular communications and support have made the financial side of retirement a piece of cake. So, check out MWM and make your life easy.
Cary Allen
The entire Marks Wealth Management team is great to work with. Since investing with them, my portfolio has steadily increased and reaffirms what a great decision it was to trust them with my portfolio.
Donnie Halloway
As an older retiree, I have depended on Charles and his team to help keep me as independent as possible. I am one of the few among my friends who doesn’t seem to have money worries. Special thanks to Catherine and Taylor for all your care.
Jan Dove
I’ve been with Charlie MWM for 11 years now and could not be more pleased. His staff is very attentive, knowledgeable and professional. In a word …outstanding!
Joe Karl