Cumberland, MD Office

DiNuzzo Private Wealth provides discretionary investment management, financial planning and retirement plan consulting to individuals, high‑net‑worth families, business owners and institutional plan sponsors. The firm operates multiple service platforms — Wealth Management for $2M–$10M households, Family Office and Middle‑Market Family Office for multi‑million and multi‑hundred‑million net worth clients, and an automated DiNuzzo Emerging Wealth option for investors beginning to accumulate assets.

The firm builds globally diversified, index‑oriented portfolios using mutual funds and ETFs and applies Modern Portfolio Theory principles, with ongoing monitoring, discretionary rebalancing and the option to allocate to third‑party managers. It commonly uses institutional mutual funds (including Dimensional Fund Advisors) in client portfolios, provides ERISA 3(21)/3(38) fiduciary services for retirement plans, and documents use of technology and AI tools under written policies.

What is notable compared with many peers is the breadth of services under one firm: a full family‑office offering (estate, tax, captive insurance, concierge medicine planning, private equity and succession planning), a separate streamlined automated advisory platform, and an affiliated insurance/producer agency alongside limited commission‑based product activity. The firm also maintains multiple office locations, discloses prior referral arrangements with major custodians and emphasizes formal cybersecurity, confidentiality and AI governance controls.