Lebanon, IL Office

Markowski Investments provides personal financial planning and discretionary portfolio management to individuals, families, trusts, estates, fiduciaries, charitable organizations, small businesses, and retirement plans, managing roughly $473.9 million in client assets across its multi-advisor platform. The firm serves more than 1,200 clients and offers comprehensive planning analyses that address tax, retirement, and estate considerations alongside ongoing portfolio management.

The firm’s investment process combines strategic asset allocation with tactical overlays informed by fundamental, technical, and cyclical analysis, generally favoring long-term holdings while making adjustments as market conditions warrant. Portfolios are managed on a discretionary basis, reviewed at least quarterly, and the firm may aggregate or “bunch” trades and use option strategies such as covered calls and naked puts to enhance or hedge positions.

Markowski’s business practices include several uncommon features for a firm of its size: it works with an affiliated broker-dealer (Westminster Financial Securities, Inc.), owns a separate registered investment adviser (Compass Financial Management LLC), and principals maintain broker-dealer registrations and insurance licenses, which can result in 12b-1 fees or commissions in addition to advisory fees. These affiliations and potential conflicts are disclosed in the firm’s brochure, and the firm states that clients are not required to use affiliated products.