Mount Airy, MD Office

Intentional provides discretionary portfolio management, financial planning, and related advisory services to individuals, high-net-worth clients, families, businesses, and institutions. In addition to standard investment management and retirement planning, the firm offers pension consulting for small employers, estate planning support, business exit/liquidity planning, and due diligence and ongoing monitoring of alternative and private investments for accredited investors.

The firm’s investment process combines fundamental, technical, and economic analysis to construct and monitor portfolios, with ongoing reviews and the authority to trade without prior client approval under a fiduciary duty. Intentional uses model outputs as one input among others and emphasizes continuous monitoring of performance and portfolio exposures, including dedicated review of private investment documentation and manager meetings for alternatives.

What is distinctive about Intentional compared with many peers is its formal offering of pension consulting services and its structured due diligence program for alternatives — services that are uncommon among similar-sized advisors. The brochure also discloses that, while the firm states it does not accept commissions or affiliate with product sellers, certain supervised persons are licensed insurance agents who may sell insurance products in their individual capacities, and the firm received transition assistance from Raymond James (including custodial, reporting, and technology support), a relationship the firm notes could create incentives to custody client assets there and is managed through disclosure and policies.