D&S Wealth Management Group

D&S Wealth Management Group is a Maryland-registered advisory firm serving primarily individual clients and their families, and it may also advise entities such as foundations, charities, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, comprehensive financial planning (including tax and estate considerations), retirement plan consulting, and standalone consulting, managing approximately $52.1 million in client assets as of December 31, 2025.

The firm emphasizes tailored plans and diversified asset allocation rather than a one-size-fits-all model, using a mix of equities, fixed income, options, mutual funds, ETFs, structured notes, and third‑party money managers as appropriate to clients’ goals and risk tolerances. Investment decisions are guided by fundamental and technical analysis, periodic account reviews, and, when used, discretionary arrangements with third‑party managers; the firm also maintains a custodial relationship with a major broker‑dealer for trade execution and account administration.

What is notable about the firm is its vertical connections to other financial service businesses: principals have ownership interests in an affiliated insurance agency that sells insurance products and in an affiliated accounting firm that provides tax and bookkeeping services, and the advisory practice refers clients to those affiliates. Those affiliations, along with disclosed fee‑sharing or referral arrangements with third‑party managers and receipt of custodial economic benefits, are identified in the brochure as potential conflicts of interest that the firm seeks to address through disclosure, its code of ethics, and client‑centered selection policies.