Markowski Investments

Markowski Investments provides personal financial planning and discretionary portfolio management to individuals, families, high‑net‑worth clients, trusts, estates, fiduciaries, charitable organizations, small businesses, and retirement plans. The firm manages roughly $410 million in client assets and typically collects a client financial profile and risk questionnaire to develop individualized recommendations.

The firm’s investment process centers on multi‑asset strategic allocation informed by technical, fundamental and chart analysis, with cyclical analysis and tactical overlays used to adjust allocations; the core approach is buy‑and‑hold with portfolio adjustments for changing market conditions. Markowski implements both long‑term positions and occasional short‑term trades, may use covered calls and naked puts as hedging or income strategies, and reviews accounts at least quarterly under discretionary authority.

Distinctive features include an affiliation with a broker‑dealer and operation of an affiliated advisory entity, plus a principal who is licensed to sell insurance and may receive commissions for insurance products; the firm discloses these arrangements and notes clients are not required to purchase such products. The brochure also discloses receipt of mutual fund 12b‑1 fees and custodial support services from recommended custodians, which the firm identifies as potential conflicts of interest to consider alongside its advisory services.