# Monocacy Wealth Management

Monocacy Wealth Management is a Bank / Wealth / Trust based in Frederick, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Frederick, United States
- **Region:** North America
- **Address:** Frederick, MD, United States
- **Founded:** 2021
- **Assets under management:** Undisclosed
- **Website:** monocacywm.com
- **LinkedIn:** https://www.linkedin.com/company/monocacy-wealth-management

## Regulatory record

- **CRD number:** 315979
- **SEC file number:** 801-122100
- **Registration status:** Registered
- **Latest Form ADV filing:** 2026-03-06T06:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0

## About

Monocacy Wealth Management was established in 2021 as a registered investment adviser based in Frederick, Maryland. The firm provides financial planning and portfolio management to individuals, high-net-worth individuals, and business entities. The firm structures its advice around a four-step process: gather, plan, implement, and monitor. Its service set spans tax strategy coordination, portfolio rebalancing, retirement income planning, and broader wealth management. Monocacy positions these offerings under a unified planning-into-implementation framework rather than a brokerage-first model, with ongoing quarterly check-ins and an annual review cycle. Monocacy operates from a single location in Frederick, Maryland. The firm maintains a partnership-based model for investment solutions and planning support, though the specific partnerships and total assets under management are not publicly disclosed. The firm's website invites prospective clients to schedule a complimentary 30-minute consultation. Structurally, Monocacy functions as an independent RIA serving a local and regional client base, with its operating rhythm built around recurring client contact — quarterly calls and annual deep-dive reviews — rather than episodic transactional advice.

## Questions

### How does Monocacy Wealth Management approach financial planning?

Monocacy uses a four-step process — gather, plan, implement, and monitor — that moves from diagnostic data-gathering to a goal-specific plan, then to execution and ongoing oversight. Implementation covers tax strategies, portfolio rebalancing, and larger structural changes. Monitoring includes quarterly calls and an annual in-depth review.

### Does Monocacy operate as a broker-dealer or an RIA?

Monocacy is structured as a registered investment adviser, a fiduciary model that differs from broker-dealer platforms. This means the firm is legally obligated to put client interests first in its planning and portfolio management services.

### What types of clients does Monocacy serve?

The firm serves individuals, high-net-worth individuals, and various business entities, according to its regulatory filings. Its services and website are oriented toward private clients navigating retirement planning and wealth preservation.

### What investment solutions does Monocacy offer?

Monocacy uses a partnership model for delivering investment solutions, though it does not publicly name its investment partners. The offerings are delivered through a planning-driven framework that integrates portfolio management with ongoing financial planning.

### Where is Monocacy Wealth Management located?

The firm is based in Frederick, Maryland, operating from a single office location. It serves clients regionally with no additional offices disclosed.

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Updated: 2026-06-03T20:00:00.000Z

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