5.0 rating from 3 reviews Investment & Wealth
Management Solutions
CIC Wealth of Apollon takes a holistic approach to financial planning.
We are here to help you design a strategy that works for you.
Why Choose Us
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Experience
Our partners collectively have over 100 years of experience managing wealth. We understand your financial planning needs.
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No Commissions
We don’t earn commissions from the sale of investments. To be truly objective, we feel that our compensation should never be dependent upon which investment strategy we implement.
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Seamless & Proactive
We deliver an exceptional level of service through what we call our Seamless and Proactive approach.
Personalized Planning Services
Personalized, Transparent Financial Planning Services
We take the time to get to know your personal situation, so that we can deliver professional financial planning solutions that meet your individualized needs. We invest as much time as necessary to educate our clients in the beginning of the relationship so that it’s easier to make decisions as we move forward and have confidence that the strategies we put into place will lead them in the right direction.
Learn MoreWho We Serve
Dynamic & Innovative Solutions
No matter whether you are a business owner, employee, or retiree, we are here to help. We perform our own research and make the investment decisions locally, rather than relying solely on pre-built asset allocation models from Wall Street firms.
Financial Advising, Planning, and Wealth Management
At CIC Wealth of Apollon, our clients are our top priority. We take the time to get to know your personal situation, so that we can deliver professional financial planning solutions that meet your individualized needs. We invest as much time as necessary to educate you on all of the options and strategies available. Our goal is to make you feel empowered make decisions and confident that strategies we put into place will lead you in the right direction.
Our team of investment and financial advisors have over 100 years of collective experience. CIC Wealth of Apollon has been featured on Forbes, The Wall Street Journal, The Washington Post, and highly recognized by the financial media. We regularly post about the intersections between wisdom in financial markets and in leading a successful life. We are proud to be a trusted resource for wealth management strategies in Rockville, MD and the surrounding areas.
Our TeamHelping You Design a Life Well Calculated™
At CIC Wealth of Apollon, we provide personalized financial and investment planning solutions designed to align with your current and future goals.
5 Things to Expect When You Work with CIC Wealth of Apollon
At CIC Wealth of Apollon, our mission is to help you secure your financial security and independence. Our Owings Mills financial advisor takes the time to thoroughly understand your goals and your dreams to inform tailored growth strategies. We believe in empowering clients to make decisions that align with their interests, and our knowledge-first approach puts you in control. It is our honor to serve individuals, families, and businesses throughout Maryland, and our team is committed to delivering the best possible financial management services.
Custom Portfolio
Different investors have different needs. Many people simply want their assets to grow over time, while some rely on their investments for cash flow. Others prefer to invest in specific industries or companies. Our Owings Mills financial advisor constructs your portfolio based on your specific needs. Analyzing your time horizon, investment objectives, and other factors is the first step. By thoroughly understanding your goals, we make sure that you are comfortable with the plan for your investments.
Personalized Service
Our team is dedicated to delivering proactive customer service. You’ll hear from us regularly because we believe that consistent communication is important to helping you remain comfortable with your investment strategy. Our client-first approach allows you to focus on your long-term goals and ultimately achieve success.
Well-Established Team
Recognizing that every client has a unique set of circumstances, we have built an advisory team with deep experience and broad knowledge to address your needs. These individuals have a strong track record of client service and over 100 years of collective industry experience.
As our client, you will never just be a number. We limit the number of new clients we accept so we can provide a high level of service and be responsive to your needs. Our financial and investment advisors are proud to foster client relationships that extend for decades and across generations.
Our team reaches beyond our firm, leveraging established relationships with accountants and attorneys who deal specifically with estate planning and eldercare.
A Comprehensive Plan
We recommend specific investment and insurance strategies to help you pursue and reach your goals. Our comprehensive plans and services include investment portfolio and asset allocation review, retirement and college funding goal projections, tax strategies, risk management, and legacy planning.
A Strategic Investment Approach
Investors often need more than just stock picking or a diversified grouping of mutual funds. We build portfolios that match your unique financial situation, specific risk/return profile, detailed goals, and time horizon. We won’t just plug you into a model and put you on autopilot. Our approach is proactive and custom-tailored just for you.
Our value investing approach focuses on identifying great businesses and then searching for discrepancies between the value of the business and the price of that business in the market.
We also want you to understand your investments. You have access to your advisor and the portfolio management team responsible for making the actual investment decisions. Our goal is not to make you an expert, but we feel that an informed investor makes a better investor.
Are you ready to build a financial roadmap? Request an appointment with CIC Wealth of Apollon today. Our Owings Mills financial advisor will create a personalized portfolio for you that may include stocks, bonds, cash, exchange-traded funds, or other securities. Financial security and independence are within reach. Let us provide the guidance and knowledge you need to grow your wealth sustainably.
CIC Wealth of Apollon Advisors Have Regularly Appeared on CNBC and Bloomberg News
Our Blog
Explore critical topics on investing, financial planning, and wealth management for individuals, families, and business owners.
CIC Wealth of Apollon Advisors Have Also Been Quoted in the Following Publications
Frequently Asked Questions
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What is financial planning, and why do I need it?
Financial planning involves the management of money, assets, and investments to protect your financial security now and in the future. When you work with our financial advisor, we begin by listening to your goals, such as growing your wealth, preparing for retirement, and safeguarding the legacy you pass on to loved ones. Then, our certified wealth management professionals will explain your options and guide you through the process of building a customized financial plan that addresses your unique needs and circumstances.
We recommend that everyone participate in financial planning. Regardless of your age or the number of assets you own, financial planning can be beneficial for reducing stress and uncertainty, aligning spending with your short and long-term goals, and easing transitions into marriage, retirement, and other major life milestones.
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What is an investment advisor?
Investment advisors are licensed professionals who help individuals make wise investments. We take a personalized approach to investment advising, taking the time to get to know our clients in-depth before making recommendations. There are several factors our investment advisor will consider as we guide you in financial planning. First, we will review the status of your current investment portfolio (or help you get one started). Then, we will consider your age and current financial situation and compare that timeline to how long investments will need to mature. Our mission is to protect your best interests and help you work toward financial independence. We thoroughly explain our suggestions and strategies, empowering you to make the final decisions.
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How do I assess my risk tolerance before investing?
Every investment carries a certain level of risk. Risk scores are generalized into categories ranging from aggressive to conservative. We determine your risk tolerance by evaluating your financial status, stage of life, and other critical factors. If you have enough financial cushion to absorb a loss, we may recommend more aggressive or growth-oriented investments. However, if you are nearing retirement or just starting your investment portfolio and cannot afford a substantial financial hit, our advisors will likely suggest more moderate or conservative options.
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What does risk management mean in personal finance?
Assets can lose value for several reasons, like market volatility, inflation, and interruptions to your income. The possibility of investments devaluing is called risk. Our risk management team assesses your portfolio, current earnings, and assets to identify where your finances are vulnerable. Then we craft a personalized plan to address these concerns. Tools that help mitigate financial risks include diversifying your portfolio, emergency savings accounts, and insurance policies. By engaging our risk management services, you support long-term wealth growth and avoid major setbacks that could compromise your financial security.
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What is wealth management, and how is it different from financial planning?
Wealth management is the comprehensive service of managing your finances, assets, and investments. While growing your wealth is always a goal, wealth management focuses on preservation. Strategies also include how you will transfer your estate to your heirs in the most beneficial way. You may need wealth management services if you have a complex investment portfolio or a high net worth.
Financial planning is appropriate for all income levels. It helps align your finances with your short and long-term goals. Unlike wealth management, you don’t need to have substantial income or an investment portfolio. It is helpful to think of financial management as the foundation to building financial stability and to think of wealth management as a secondary service you engage once you are secure and established.