The Gladowsky Group

Gladowsky Capital Management (GCMC), doing business as The Gladowsky Group, provides wrap‑fee advisory services to individuals, high‑net‑worth clients, trusts, estates, charitable organizations, corporations and pension plans through separately managed accounts and model portfolio programs. The firm sponsors multiple wrap programs and offers manager selection, asset allocation, ongoing due diligence and reporting services, and in some cases acts as broker of record for certain 401(k) plans while also distributing insurance products through licensed staff.

GCMC’s process begins with gathering clients’ investment considerations to recommend suitable allocations to unaffiliated investment managers or to Lockwood‑managed model portfolios, and it performs initial and ongoing manager due diligence and performance reviews. Although GCMC recommends allocations and monitors managers, it generally operates the wrap programs on a non‑discretionary basis (requiring client consent before implementing recommendations), while the third‑party investment managers typically have trading discretion over the accounts they manage.

Several of the firm’s business arrangements are unusual for a firm of this size: it is dually registered as an investment adviser and a broker‑dealer (with employees devoting a meaningful portion of time to broker‑dealer activities), it sponsors its own wrap fee programs, and it maintains affiliated professional firms — an accounting firm and a law firm — and related service entities under common control. The firm also distributes insurance products and discloses potential referral and compensation conflicts arising from those affiliations and relationships, and it offers a Diversified Strategies wrap product aimed at emerging and mass‑affluent investors with a relatively low $10,000 minimum.