M3 Wealth Management

M3 Wealth Management provides discretionary and non‑discretionary investment management and financial advice to individuals (including high‑net‑worth clients), families, family offices, trusts, businesses, charitable foundations, and retirement/profit‑sharing plans. The firm emphasizes customized portfolio management and will coordinate with clients’ tax and legal advisors at the client’s direction.

M3’s investment process is client‑tailored and generally long‑term in orientation, using both fundamental and technical analysis and conducting ongoing monitoring with at least an annual formal review. Portfolios may include mutual funds, ETFs, equities, corporate and municipal fixed income, REITs, closed‑end funds and structured notes; the firm recently removed private funds/alternative investments from its disclosed investment menu.

Notably, M3 operates with a high client‑to‑advisor ratio (several hundred clients per advisor), an uncommon operational profile for supported firms and indicative of a more scaled client servicing model. The firm’s personnel also engage in outside broker‑dealer and insurance activities—earning commissions and 12b‑1 fees—and M3 participates in an institutional custodial platform that provides technology and launch support; these relationships are disclosed and managed as potential conflicts of interest.