Mark Cernese & Associates
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm is a small independent registered investment adviser that provides discretionary investment management and financial planning services to individuals and to institutional-type clients, including small businesses, corporations, nonprofits, and government agencies. It offers retirement planning and ongoing portfolio management, developing investment plans jointly with clients to determine suitable asset allocation and objectives.
The adviser emphasizes a passive, cost-conscious approach that relies on diversification, buy-and-hold strategies, and low-cost mutual funds, exchange-traded funds, and individual securities, with options used when appropriate. Portfolios are built around client-specific factors — age, income needs, tax picture, estate goals, and risk tolerance — and the firm generally exercises discretionary authority with bi-weekly or more frequent account reviews.
What is distinctive is that, as a solo practitioner with a relatively small client roster and assets under management, the firm also provides portfolio management for institutional clients, a service that is uncommon among peers of similar size. The principal’s securities licensing and corporate finance experience, along with operational practices such as systematic block trading to allocate average prices across accounts, further differentiate its procedures from many other small independent advisers.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.25% annually (negotiable) $1,000,001+: Negotiable
Fee-only: Fees are based on assets under management with negotiable rates starting at 1.25% annually for the first $1,000,000; fees for amounts over $1,000,000 are negotiable.
Main office
Macungie PA
Advisors at this office
1
Most active in
Pennsylvania
Also doing business as
Cernese, Mark Anthony · Mark Cernese & Associates
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)