Your Career Creates Complexity. Your Plan Should Match It.
When business ownership, executive compensation, taxes, and long-term transition decisions all intersect, generic financial planning is rarely enough.
Financial Planning for Business Owners and Executives in Maryland
Marks Wealth Management works with business owners and executives whose financial lives extend beyond traditional planning. Business income, tax exposure, investment strategy, retirement planning, and succession decisions often become deeply interconnected over time.
Led by a Certified Financial Planner (CFP) and supported by a Chartered Market Technician (CMT), our team provides independent, fee-only fiduciary guidance built around coordination and long-term decision-making. Charles Marks has been recognized by Forbes as a Best-In-State Wealth Advisor, and our approach is designed to give clients a coordinated planning relationship rather than disconnected financial advice.
Financial Decisions Business Owners and Executives Face
Business ownership and executive compensation create financial decisions that extend beyond traditional planning. These are some of the conversations we help clients coordinate through long-term fiduciary planning.
When Your Biggest Asset Is the Business
For many owners, the business represents a significant portion of total net worth. A sale, succession transition, or liquidity event can reshape taxes, retirement planning, and long-term investment strategy all at once.
We help clients coordinate planning decisions before and after major business transitions so wealth preservation does not depend on rushed execution.
When Half Your Net Worth Is in Company Stock
Restricted stock, stock options, and deferred compensation can create concentration risk over time, particularly when career income and investment exposure are tied to the same company.
We help executives evaluate diversification decisions alongside tax considerations, vesting schedules, and broader portfolio strategy.
When Retirement Depends on the Business Timeline
Business owners and executives often cannot plan around a single fixed retirement date. Market conditions, succession timing, and acquisition opportunities can all shift the timeline.
We build retirement projections across multiple scenarios so the plan can adapt as circumstances evolve.
When Your Advisors Don’t Talk to Each Other
Many business owners work with a CPA, attorney, insurance professional, and investment advisor who rarely coordinate decisions together. Over time, disconnected planning can create avoidable gaps.
We work alongside existing professionals to help ensure tax, legal, estate, and investment decisions support the same long-term strategy.
Services Built for Business Owners and Executives
We provide coordinated financial planning and investment management for business owners and executives whose financial decisions extend across investments, taxes, retirement planning, liquidity events, and long-term wealth preservation.
Active Investment Management
For business owners and executives, investment management often involves balancing concentrated wealth, liquidity planning, and long-term portfolio risk. Our investment process includes ongoing oversight designed to support changing business timelines and evolving financial priorities.
Planning and Protection Built Around Your Financial Plan
These services help coordinate retirement decisions, taxes, risk management, and estate considerations within a broader long-term financial plan.
Retirement and Social Security Planning
Retirement planning for business owners often depends on business transitions, succession timelines, and liquidity events rather than a fixed retirement date. We build planning scenarios that can adapt as those variables change.
Risk Management
We evaluate financial risk across investment exposure, business ownership, insurance coverage, and long-term planning decisions to help identify gaps that could affect long-term financial stability.
Tax Efficiency Strategies
Tax planning for business owners and executives may include capital gains planning, Roth conversions, diversification strategies, and tax-aware investment decisions tied to compensation or liquidity events.
Legacy and Estate Planning
Estate planning for business owners often involves coordinating trusts, succession planning, and wealth-transfer decisions alongside business equity and long-term family goals.
Featured In
We’re honored to be recognized by Forbes for the work we do on behalf of our clients.
Ready to Bring Your Financial Decisions Into One Strategy?
Your complimentary financial plan begins with a conversation about your financial priorities, planning challenges, and long-term goals.
Why Marks Wealth Management?
Financial planning requires more than projections alone. It requires coordinated guidance, informed decision-making, and a long-term strategy built around your goals.
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 process incorporates technical analysis through a Chartered Market Technician (CMT) alongside ongoing risk evaluation 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 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
Our Process
The best financial decisions start with a clear understanding of your goals, your current position, and then understanding the path ahead.
Our process is built around bringing clarity, transparency, and ongoing guidance to every stage of your financial future.
Goal Orientation
We start by getting to know your goals, priorities, and ambitions so every recommendation begins with what matters most to you.
Financial Review
We assess your current financial picture, including existing accounts, investments, contributions, and opportunities for improvements, to understand exactly where you stand today and see where we can help.
Planning & Forecasting
We build a forward-looking plan around your retirement timeline, cash flow needs, and future income sources to map the financial path ahead.
Strategic Guidance
We present clear recommendations and give you full visibility into your plan so you can understand each decision and move forward with confidence.
Implementation
We put your plan into action with careful coordination and clear communication, so each step is carried out smoothly and transparently.
Active Monitoring & Review
We continue to review your holdings, contributions, and overall strategy over time, making thoughtful adjustments as your life and financial needs evolve.
Let’s Talk About Your Financial Future
Your financial life is complex. Your advisory relationship should be built to match it. Start with a complimentary financial plan built around your goals, your business realities, and your long-term financial priorities.
Frequently Asked Questions
Key Takeaway:
Marks Wealth Management provides fee-only fiduciary financial planning for business owners and executives in Maryland with complex financial lives shaped by business ownership, concentrated wealth, taxes, and long-term transition planning. Our team helps clients coordinate investment management, retirement planning, tax strategy, liquidity events, and estate considerations within one long-term financial strategy.
Restricted stock and concentrated equity positions can create significant portfolio risk over time, particularly when career income and investment exposure are tied to the same company. We help clients evaluate diversification decisions alongside taxes, vesting schedules, and long-term financial planning goals.
Business sale proceeds create complex tax obligations, including capital gains, potential installment sale structures, and reinvestment timing decisions. As a fee-only fiduciary advisor, we coordinate with the seller’s CPA and attorney to build a tax-efficient reinvestment strategy that protects the proceeds and supports the seller’s long-term financial plan.
Coordinated financial planning brings investment strategy, taxes, retirement planning, estate considerations, and insurance decisions into one long-term framework. Rather than approaching each decision separately, we help clients evaluate how financial decisions affect the broader picture over time.
Key Takeaway:
Marks Wealth Management provides fee-only fiduciary financial planning for individuals, families, business owners, pre-retirees, and professionals across Maryland with complex financial lives and long-term planning needs. Our team helps clients coordinate investment strategy, retirement planning, taxes, employer benefits, and estate considerations within one comprehensive financial plan.