AdvisorCensus / Financial advisors / Maryland / Baltimore / Perspective Wealth Management
Perspective Wealth Management
Filed as PERSPECTIVE WEALTH MANAGEMENT · Legal name The Junk Investment Group, LLC
Perspective Wealth Management is an SEC-registered investment advisory firm in Hunt Valley, MD, registered since 1989, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated February 9, 2026.
Quick answers
From the filingHow is Perspective Wealth Management compensated?
On its Form ADV (Item 5.E, October 2026), Perspective Wealth Management reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).
How much does Perspective Wealth Management charge?
Its Form ADV Part 2A brochure dated February 9, 2026 states: Up to $499,999: 1% a year; $500,000 to $749,999: 0.95% a year; $750,000 to $999,999: 0.85% a year; $1,000,000 to $1,499,999: 0.8% a year; Above $1,500,000: 0.75% a year; Hourly rate: $325 an hour (financial planning & consultation services). Fees can differ by service and may be negotiable; the brochure is the complete statement.
Where is Perspective Wealth Management located?
Perspective Wealth Management's principal office is in Hunt Valley, MD, according to its Form ADV.
Is Perspective Wealth Management registered with the SEC or a state?
Perspective Wealth Management is an SEC-registered investment advisory firm, registered since 1989. Status as filed: Approved. CRD 104619.
How much does Perspective Wealth Management manage?
Perspective Wealth Management reports $594,970,561 in regulatory assets under management in its Form ADV filing dated February 9, 2026 (88% discretionary).
How have Perspective Wealth Management's assets and staff changed since 2021?
In the Form ADV data for Perspective Wealth Management: Regulatory assets under management: $422,025,480 in the October 2021 data and $594,970,561 in the October 2026 data, up 41%. Total employees: 7 in October 2021 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does Perspective Wealth Management serve?
By number of clients on Form ADV Item 5.D: high net worth individuals (218); individuals (other than high net worth individuals) (46).
Which custodians does Perspective Wealth Management use?
Perspective Wealth Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.
Does Perspective Wealth Management report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/104619
What changed in Perspective Wealth Management's recent Form ADV filings?
In the March 2026 filing data: Regulatory assets under management went from $526,501,633 to $594,970,561 (+13%).
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Fixed fees (other than subscription fees)
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2A| Assets | Annual rate |
|---|---|
| Up to $499,999 | 1% |
| $500,000 to $749,999 | 0.95% |
| $750,000 to $999,999 | 0.85% |
| $1,000,000 to $1,499,999 | 0.8% |
| Above $1,500,000 | 0.75% |
The brochure's wording
Total Portfolio Value Fee Rate To $499,999 1.00% $500,000 to $749,999 0.95% $750,000 to $999,999 0.85% $1,000,000 to $1,499,999 0.80% Over $1,500,000 0.75%
Hourly rate: $325 an hour (financial planning & consultation services)
The brochure's wording
We calculate our fees at $325.00 per hour for services rendered prior to the date of termination.
As stated in the firm's Form ADV Part 2A brochure dated February 9, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$594,970,561 as of October 2026, filing dated February 9, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
Registration and firm details
Items 1, 2, 5- Legal name
- The Junk Investment Group, LLC
- Also doing business as
- PERSPECTIVE WEALTH MANAGEMENT
- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 1989 (37 years)
- Employees
- Total: 6. Performing investment advisory functions: 2.
- Wrap fee program participation
- Yes.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- States registered or notice-filed
-
7 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $594,970,561 | 6 | February 9, 2026 |
| October 2025 | $526,501,633 | 6 | March 26, 2025 |
| October 2024 | $419,273,673 | 7 | March 11, 2024 |
| October 2023 | $354,904,837 | 7 | July 18, 2023 |
| October 2022 | $490,977,691 | 8 | June 30, 2022 |
| October 2021 | $422,025,480 | 7 | February 2, 2021 |
Regulatory assets under management: $422,025,480 in the October 2021 data and $594,970,561 in the October 2026 data, up 41%.
Total employees: 7 in October 2021 and 6 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 months- March 2026
- Regulatory assets under management went from $526,501,633 to $594,970,561 (+13%).
- February 2026
- Added the business name Perspective Wealth Management.
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.ISource: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Perspective Wealth Management (CRD 104619): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/perspective-wealth-management-hunt-valley-md-104619