Modern Wealth Management welcomed the Wealth Management Solutions team in May 2024. Wealth Management Solutions was itself the result of the 2021 merger between Tanu Happonen’s firm and Hopkins Investment Management, which Martin Hopkins had built over more than 20 years. Today, both Martin and Tanu continue serving their clients from the same Annapolis office, with the same fiduciary commitment their clients have counted on for a long time, now backed by the full Modern Wealth Advantage.

Yes. Annapolis is home to the United States Naval Academy, and our advisor team has specific experience with the financial planning needs unique to this community. That includes FERS pension structures, TSP account optimization, government benefit coordination, SGLI and VGLI insurance decisions, and the transition planning that comes with military retirement. If you’ve spent your career in public service, your financial plan should reflect the specific structure of your benefits, income, and retirement timeline. Our Annapolis team is ready to help.

A Registered Investment Advisor is a person or firm that provides investment advice and manages portfolios on behalf of clients. RIAs are registered with the SEC or state securities regulators and are held to a fiduciary standard, which requires them to act in the client’s best interest and disclose material conflicts of interest. When you work with a Modern Wealth advisor in Annapolis, you’re working with an RIA whose only job is to help you reach your goals.

Fiduciary is more than a word we use in our marketing. It’s a legal standard established under the U.S. Investment Advisers Act of 1940, requiring our advisors to act in your best interest at all times, eliminate or fully disclose any conflicts of interest, and place your goals above everything else. The Modern Wealth Annapolis team has operated under this standard throughout their careers. Your goals come first, by law and by commitment.

We believe your investments should support your goals, not the other way around. Your Annapolis advisor team builds portfolios around low-cost index funds and ETFs, complemented by individual stocks and fixed income where they add real value. Certain academic and industry research has shown that diversified, lower-cost portfolios have historically compared favorably to many actively managed funds over longer time periods. We take only the risk required to help you reach your specific goals and stay connected to your plan as markets and life change.

Our compensation comes directly from you, our client. It never comes from commissions, referral fees, or third-party payments of any kind. That structure ensures your advisor team has one priority: helping you make progress toward your goals. There are no competing incentives and no products we’re paid to promote. Your goals are the only thing we’re paid to focus on.

Yes. Our Annapolis office serves clients throughout Maryland, including Baltimore, Anne Arundel County, and the greater Washington D.C. metro area. Annapolis sits midway between Baltimore and D.C., and our advisor team works with families and individuals across the mid-Atlantic region on both an in-person and remote basis. Get your Modern Confidence Score today to start a conversation with our Concierge team.

The Annapolis team brings their credentialed pairings into the Modern Wealth network. Managing Director Martin Hopkins holds the CFP® designation and a law degree (LLB), has been a member of the National Association of Personal Financial Advisors (NAPFA) since 2003, and has served on the NAPFA board. Managing Director Tanu Happonen holds the CFP ® and ChFC® designations and has been in wealth management since 2001. Those credentials and that tenure mean your plan is built by advisors who have navigated real market cycles, real life transitions, and real financial complexity on behalf of their clients for decades.

The best way to find out is to start with your Modern Confidence Score. Our Concierge team will assess where you stand across all areas of your financial life, including taxes, estate, insurance, investments, and overall planning. They’ll answer your questions about our services and connect you with the right advisor for your needs. We work primarily with individuals and families who have $500,000 or more in investable assets, though we evaluate each situation individually. At minimum, you’ll come away with useful perspective, and we think you’ll get a clear sense of whether this is the right partnership.

Every client’s financial life is different, but the outcomes we work toward are the same across every relationship: to help people enjoy today with confidence for tomorrow, connecting them with the people and causes they care about most. That’s what the Modern Wealth Advantage is built to deliver. And it starts with a conversation.