Perspective Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Perspective Wealth Management provides financial planning and portfolio management to individual and high‑net‑worth clients, offering both discretionary and non‑discretionary advisory relationships and ongoing account monitoring. Services include written Investment Policy Statements, tailored asset allocation, and periodic reviews alongside standalone financial planning engagements.
The firm follows an objective‑based investment approach that emphasizes equity mutual funds and ETFs for long‑term holdings and constructs portfolios to match each client’s risk tolerance and goals. PWM conducts continuous oversight of accounts, implements trades under discretionary authority when engaged, and discloses that it may recommend margin (borrowing) only in limited circumstances and primarily for high‑net‑worth clients.
PWM is notable for managing over $525 million in client assets, producing an unusually high assets‑per‑advisor ratio for a team‑style firm, and for operating a wrap‑fee program while relying on Schwab’s institutional custody and support services. The firm’s advisors are also independently licensed to sell insurance and may receive commissions for those sales—an arrangement the brochure identifies as a potential conflict of interest—and the firm recently rebranded from The Junk Investment Group, LLC to d/b/a Perspective Wealth Management.
Client services
Expertise
Fee options
Financial planning services start at a fixed fee of $1,950 (6-hour minimum at $325/hour)
$0 - $499,999: 1.00% $500,000 - $749,999: 0.95% $750,000 - $999,999: 0.85% $1,000,000 - $1,499,999: 0.80% $1,500,000+: 0.75%
$325 per hour for financial planning services
Account minimum: $750,000 Minimum fee: $300 per quarter minimum fee for managed accounts
Main office
307 International Circle, Suite 540
Hunt Valley MD 21030-1439
Advisors at this office
2
Most active in
Delaware · Florida · Maryland · New Jersey · Pennsylvania · Texas · Virginia
Also doing business as
Junk Ivan Richard · Perspective Wealth Management · The Junk Investment Group · The Junk Investment Group, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Nicholas M
CFP®, Series 63, Series 65
Hunt Valley, MD
Perspective Wealth Management
Nicholas Mangione is a CFP® professional with six years of industry experience, currently serving at Perspective Wealth Management in Hunt Valley, MD. He previously worked at Hayfields Country Club before joining The Junk Investment Group, which later rebranded as Perspective Wealth Management. Outside of advisory work, Mangione is an insurance agent and a member of family investment entities involved in real estate and other asset classes. Perspective Wealth Management provides financial planning and portfolio management to individual and high-net-worth clients, focusing on an objective-based investment approach using equity mutual funds and ETFs. The firm manages over $525 million in client assets and offers both discretionary and non-discretionary advisory services with ongoing account monitoring.
Eli A
CFP®, Series 66
Hunt Valley, MD
Perspective Wealth Management
Eli Adams is a CFP® professional with 10 years of industry experience. He is affiliated with Perspective Wealth Management and has worked at The Junk Investment Group since 2016, with a brief tenure at Securities America Inc. Additionally, Adams holds a license as an insurance agent. Perspective Wealth Management serves individual and high-net-worth clients by providing financial planning and portfolio management through both discretionary and non-discretionary advisory relationships. The firm employs an objective-based investment strategy focusing on equity mutual funds and ETFs, managing over $525 million in client assets with ongoing account oversight.
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