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Perspective Wealth Management

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Client assets under management

$594,970,561

Clients

264

83% high-net worth

Advisors

2

of 6 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

More info

Clients per advisor

132

Very High

Average account size

$2,253,676

About

Perspective Wealth Management provides financial planning and portfolio management to individual and high‑net‑worth clients, offering both discretionary and non‑discretionary advisory relationships and ongoing account monitoring. Services include written Investment Policy Statements, tailored asset allocation, and periodic reviews alongside standalone financial planning engagements.

The firm follows an objective‑based investment approach that emphasizes equity mutual funds and ETFs for long‑term holdings and constructs portfolios to match each client’s risk tolerance and goals. PWM conducts continuous oversight of accounts, implements trades under discretionary authority when engaged, and discloses that it may recommend margin (borrowing) only in limited circumstances and primarily for high‑net‑worth clients.

PWM is notable for managing over $525 million in client assets, producing an unusually high assets‑per‑advisor ratio for a team‑style firm, and for operating a wrap‑fee program while relying on Schwab’s institutional custody and support services. The firm’s advisors are also independently licensed to sell insurance and may receive commissions for those sales—an arrangement the brochure identifies as a potential conflict of interest—and the firm recently rebranded from The Junk Investment Group, LLC to d/b/a Perspective Wealth Management.

Client services

Financial planning Portfolio management

Expertise

Wealth management Passive / index investing Income planning Retirement income strategy

Fee options

Fixed

Financial planning services start at a fixed fee of $1,950 (6-hour minimum at $325/hour)

Percentage

$0 - $499,999: 1.00% $500,000 - $749,999: 0.95% $750,000 - $999,999: 0.85% $1,000,000 - $1,499,999: 0.80% $1,500,000+: 0.75%

Project-based

$325 per hour for financial planning services

Other

Account minimum: $750,000 Minimum fee: $300 per quarter minimum fee for managed accounts

Main office location

Perspective Wealth Management

307 International Circle, Suite 540

Hunt Valley MD 21030-1439, United States

Number of offices

1

Most active in

More info

Delaware · Florida · Maryland · New Jersey · Pennsylvania · Texas · Virginia

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 410-584-8100

Advisors at this firm

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Nicholas M

CFP®, Series 63, Series 65

Hunt Valley, MD

Perspective Wealth Management

Nicholas Mangione is a CFP® professional with five years of industry experience, currently serving at Perspective Wealth Management. His prior work includes roles at The Junk Investment Group and Hayfields Country Club. Outside of advisory work, he is a licensed insurance agent and a silent member of a family investment LLC involved in real estate, NFTs, and stocks. Perspective Wealth Management provides financial planning and portfolio management to individual and high-net-worth clients, focusing on an objective-based investment approach that emphasizes equity mutual funds and ETFs tailored to client risk tolerance and goals. The firm manages over $525 million in assets and offers both discretionary and non-discretionary advisory services with ongoing account monitoring.

Wealth management Passive / index investing Income planning Retirement income strategy
user avatar

Eli A

CFP®, Series 66

Hunt Valley, MD

Perspective Wealth Management

Eli Adams is a CFP® and Series 66-licensed advisor with nine years of industry experience. He is currently with Perspective Wealth Management and has worked previously at The Junk Investment Group and Securities America Inc. Adams is also a licensed insurance agent. Perspective Wealth Management provides financial planning and portfolio management services to individual and high-net-worth clients, focusing on objective-based investment strategies that emphasize equity mutual funds and ETFs. The firm manages over $525 million in client assets and offers both discretionary and non-discretionary advisory relationships with ongoing account monitoring.

Wealth management Passive / index investing Income planning Retirement income strategy
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