Mark J. Angelo Financial Services

The adviser provides financial planning and consulting services to individuals, high‑net‑worth clients, and business entities, and also offers retirement plan solutions for employers through a d/b/a that handles prospecting, proposals, installation, maintenance, and servicing of benefit plans. The firm does not manage client investment assets and does not accept custody of client funds or securities.

For its planning and consulting work the firm uses hourly or fixed fees rather than charging advisory fees as a percentage of assets, and it delivers written plans and updates on an agreed schedule; implementation of recommendations can lead to separate transaction or product-level charges from custodians, broker‑dealers, or plan administrators. Investment recommendations are grounded in fundamental analysis and may include mutual funds and ETFs, variable annuities and life products, public equity, and corporate and municipal debt, typically with long‑term target allocations and periodic rebalancing.

Noteworthy for this firm is the combination of fee practices and distribution channels: associated persons may also act as registered representatives of a broker‑dealer and as insurance agents, creating the potential for commissions, 12b‑1 payments, and other product compensation that the brochure discloses as conflicts of interest. The firm emphasizes use of third‑party research sources (including prospectuses, rating services and EMMA for municipal securities), provides seminar‑style consulting options, and conducts client account reviews on a periodic basis while informing clients they are under no obligation to transact through affiliated channels.