MK3 Wealth LLC

MK3 Wealth provides wealth management and financial planning to individuals (including high‑net‑worth clients), trusts, estates, non‑profits and business entities, managing roughly $113 million for about 85 client relationships. Services include discretionary and non‑discretionary investment management using model portfolios and independent managers, together with negotiable hourly or fixed‑fee financial planning engagements.

The firm applies a mix of fundamental and technical analysis to construct diversified portfolios intended to balance potential return and volatility within client risk parameters, allocating among stocks, bonds, ETFs, mutual funds and alternative investments as appropriate. MK3 Wealth typically exercises discretionary authority for day‑to‑day implementation, conducts at least annual account reviews, and commonly recommends Charles Schwab as custodian for execution and clearing.

Notably, the brochure discloses that certain supervised persons are licensed insurance agents and may recommend insurance products on a commission basis, a conflict the firm says it manages through written disclosure and policies; it also highlights the potential economic incentive when advising retirement‑plan rollovers to IRAs. The firm’s personnel have prior broker‑dealer experience and MK3 Wealth uses standing letters of authorization for third‑party transfers (which the firm states results in being deemed to have custody), and it has procedures intended to align those practices with SEC guidance.