One Team, Fully Invested in Your Future
When retirement, investments, taxes, and major life decisions start to overlap, it’s easy to feel uncertain about what to do next.
We act as your personal CFO, bringing every part of your finances together so you can see how each choice impacts your income, your timeline, and your future.
Wealth Management Services
Your finances are shaped by the choices you make every day. Over time, decisions around retirement, investments, taxes, and how you use your wealth start to carry more weight.
As your personal CFO, Marks Wealth Management helps you connect retirement planning, investments, taxes, and long-term goals within one coordinated strategy. Instead of treating each question separately, we help you evaluate how everything works together over time.
Our Approach to Financial Planning & Investment Management
Your financial decisions don’t happen in isolation. Our approach brings planning, portfolio oversight, and ongoing guidance together, so your financial life continues to work as your needs and the markets change.
CFP-Led Financial Planning
Your strategy is built by our Certified Financial Planner (CFP), with each decision evaluated in the context of your full financial picture. Retirement timing, income, taxes, and long-term goals are brought into one plan.
Market Analysis & Risk Evaluation
Your portfolio is supported by ongoing market analysis from a Chartered Market Technician (CMT). We evaluate trends, manage risk, and make informed adjustments as conditions change.
Continuous Portfolio
Oversight
Your strategy is actively monitored, not set and forgotten. We actively review your portfolio, income needs, and positioning, making adjustments to keep your goals and financial plan aligned.
Explore Our Services
Explore each service to see what fits your needs.
Retirement & Social Security Planning Services
Plan when to retire, how to draw income, and when to claim Social Security.
Investment Management Services
Manage your portfolio with active oversight and ongoing adjustments.
Risk Management Services
Match your risk to your goals, not the market’s mood.
Tax Efficiency Strategies Services
Manage taxes across your income, investments, and retirement withdrawals.
Legacy & Estate Planning Services
Plan how your wealth transfers to family, causes, and future generations.
Retirement & Social Security Planning Services
As retirement gets closer, the decisions become more immediate. You are not just planning in theory—you are deciding what comes next. With the right guidance, you can understand your options, evaluate tradeoffs, and move forward with a clear sense of direction and confidence in your plan.
When can I afford to retire with the lifestyle I want to create?
Your retirement date affects everything from income planning to how much flexibility you will have in the years ahead.
Will my portfolio generate enough income to support my lifestyle?
Your current portfolio can affect both when you retire and what your retirement can realistically look like.
What happens if the market drops right before or after I retire?
Knowing how your strategy holds up under market stress can help you make more informed decisions about timing, income, and risk.
We build your retirement plan around the life you want to live, the income you will need, and the financial resources you have today. That gives you a clearer view of when retirement may be realistic, how your portfolio supports your spending, and where adjustments may improve your long-term outlook.
Your plan is designed to account for real-world risks, including market volatility before and after retirement. Instead of making major decisions in isolation, you can move forward with a strategy that connects your timeline, income, investments, and next steps. As your life changes, your strategy can change with it.
Investment Management Services
You have built meaningful assets, but managing them well takes time, discipline, and ongoing attention. You want to know that your portfolio is positioned correctly, aligned with your goals, and actively monitored as markets change—not left on autopilot.
Is my portfolio positioned correctly for where I am today?
Your portfolio should reflect your current goals, timeline, and financial priorities—not where you were years ago.
How much risk am I actually taking, and is it appropriate?
Your portfolio may be exposing you to more volatility than your goals, timeline, or comfort level require.
Who is actively monitoring and making decisions as markets change?
Market conditions can shift quickly, and without ongoing oversight, your portfolio may not stay aligned with your goals.
Your portfolio is structured to reflect your financial plan, time horizon, and tolerance for risk. Each investment decision is made with a clear purpose—supporting your long-term goals while staying responsive to changing conditions.
We don’t place trades to generate commissions, and the investments we use don’t pay us behind the scenes. Every decision is made to support your long-term financial plan.
We provide ongoing oversight, reviewing positions, evaluating market trends, and making adjustments when needed. You have a portfolio that stays aligned, and a clear understanding of how it supports your broader strategy.
Risk Management Services
You have built meaningful wealth, but protecting it requires just as much attention as growing it. The question is not just how much coverage you have—it is whether your protection actually fits your situation, your responsibilities, and your long-term plan.
How much risk makes sense given my stage of life and goals?
The right level of risk should reflect both what you want to achieve and what your financial life can reasonably absorb.
Are there gaps between my lifestyle, savings, and the risks I’m taking?
Misalignment can place unnecessary strain on your plan and make future goals harder to support.
Is my financial plan built to handle unexpected changes?
A strong plan should be able to absorb uncertainty without forcing major changes to your long-term direction.
Your risk profile is evaluated in the context of your full financial picture—your savings, lifestyle, time horizon, and retirement goals. This helps ensure the level of risk you are taking is appropriate and aligned with what you are trying to achieve.
We review how your current strategy holds up under different scenarios and identify areas where adjustments may improve stability or reduce unnecessary exposure. The focus is not to eliminate risk entirely, but to manage it thoughtfully so your financial plan remains steady and adaptable as conditions change.
Tax Efficiency Strategies Services
Divorce brings a new set of financial decisions—often all at once. Understanding what you have, how it translates financially, and what comes next is critical to moving forward.
Am I paying more in taxes than I need to?
Unnecessary taxes can quietly reduce how much of your wealth remains invested, available for future goals, or passed on over time.
Which accounts should I draw from—and when?
The timing and source of withdrawals can materially affect how much you owe in taxes and how long your assets may last.
Are there opportunities to reduce taxes across my investments and income?
The way your income and investments are structured can create opportunities to reduce tax drag and keep more of what you have earned.
Your tax strategy is considered alongside your portfolio, retirement income plan, and broader financial picture. We look at the impact of federal, state, and local taxes, along with year-end planning opportunities, distribution decisions, capital gains, tax exemptions, and the mix of account types you hold.
That helps you make more informed decisions about where income comes from, when assets are sold, and how withdrawals are handled over time. The goal is to reduce avoidable tax drag and help you retain more of what you have earned.
Legacy & Estate Planning Services
You have spent years building your wealth. The next step is making sure it supports the people and causes that matter to you—both during your lifetime and beyond. Without clear coordination, important details can be overlooked.
Will my family be taken care of the way I intend?
A well-structured estate plan helps ensure your wealth is transferred in a way that reflects your wishes and preserves the legacy you want to leave for your family.
Are there more effective ways to structure my estate and charitable giving?
How your assets are structured can affect both tax efficiency and the long-term impact on your family and the causes you care about.
Are my current estate documents aligned with my financial plan?
Outdated or uncoordinated documents can create complications, unintended outcomes, or hardships for your family members.
Your legacy plan is built to reflect your priorities, your family, and your long-term intentions. We review how your assets are titled, how beneficiaries are designated, and how distributions are structured to support a smooth transition. This includes evaluating trust strategies, charitable giving options, and opportunities to reduce estate-related tax exposure.
We also consider how your plan supports your family over time—not just through inheritance, but through thoughtful decisions made during your lifetime. The goal is to create clarity, reduce complications, and ensure your wealth is positioned to serve the people and priorities you care about most.
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 review your accounts, investments, and contributions to give you a clear picture of where you stand and where you can improve.
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 financial decision and move forward with confidence.
Implementation
We execute your plan with careful coordination and clear communication at every step.
Active Monitoring & Review
We coordinate reviews of your holdings, contributions, and investment strategy with thoughtful adjustments as your life evolves.
Who We Serve
Wealth financial planning is most effective when it reflects the realities of your life, career, and financial position. We work with individuals, families, and professionals who want thoughtful guidance, a long-term partner, and a strategy built around the decisions that matter most.
Individuals & Families
We work best with individuals and families who have at least $1M in investable assets and want a trusted partner to help guide meaningful financial decisions over time.
From retirement planning to day-to-day wealth decisions, we help ensure each move supports your broader strategy and long-term goals.
Business Owners & Executives
Business owners and corporate executives face complex financial decisions, from equity compensation and concentrated positions to retirement planning and tax strategy.
We serve as your personal CFO for your financial life, helping you coordinate those moving pieces so each decision supports your long-term objectives.
Johns Hopkins Personnel
Johns Hopkins faculty, staff, and researchers often have access to strong benefits, but making the most of them takes specialized planning.
We help you evaluate your options, optimize retirement and benefit elections, and build a strategy that works in step with your institutional benefits and long-term plans.
Baltimore Gas & Electric Employees
BGE employees often have valuable pensions and benefit structures, and the right planning can help you make the most of them.
We help coordinate retirement benefits, pension decisions, and broader wealth strategies so your employer-sponsored plans support the life you want now and in the years ahead.
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