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Making It Look Easy

AS Quoted in:


The Wall Street JournalBloombergCNBCKiplingerThe New York TimesMarketWatchBarron'sLos Angeles Times 


Everyone Deserves To Be Comfortable With Their Finances


There is nothing easy about real wealth management. I use my experience, teaching background, wise use of technology, and "smarts" to work through your financial situation. This leaves you with a greater understanding and comfort level with your finances, so you can focus on what’s important in your life.

If you are looking for an advisor, you can check off the boxes:


Far and away the best prize that life offers is the chance to work hard at work worth doing.

Teddy Roosevelt

About ME



Mark Wilson, APA, CFP

Hello. I am Mark Wilson, APA, CFP®

I’m the proud father of two teens, the lucky husband of one wife, founder of MILE Wealth Management, and “old man” soccer player.

MILE is an acronym for “Making It Look Easy.” Most financial advisors are “Making It Look Complex” (they are MILCing their clients), hoping they look smart and justify their high fees. It’s no wonder their customers are feeling overwhelmed, not sleeping well at night, and not reaching their financial targets.

I work very hard behind the scenes to help you understand your financial situation and think through your goals. I've mixed the science and art of financial planning and investment management for the last 20 years. My goal is to help you be organized, accountable, educated, and comfortable with your finances so you can focus on the things that matter most to you.


Building a Firm With 20 Years of Hindsight


I started as a computer geek guru. While attending high school, I was hired to write software for the pension industry. I learned a lot about retirement plans, and after several years, I co-founded a software company that sold pension software to firms all over the country. I was reading pension regulations, writing code, writing user manuals, copying and mailing disks, and providing technical support.  

While securing my degree in Computer Science from UC Irvine, a co-worker turned me on to the world of investing, and I began reading all that I could on the subject. My business partner encouraged me to take over the management of the company’s corporate retirement plan. I knew I needed a more formal education, so I enrolled in some financial planning classes at UC Irvine. After taking my first course, I was hooked on the value of financial planning.

Those classes led to an opportunity to join a (then) small financial planning firm that is now one of the top wealth management firms in the country. Over my 19 years at that firm, I worked my way up from my intern position to financial analyst to financial planner to Director of Financial Planning to Chief Investment Officer and to Partner.  It’s been over 20 years since I took those first classes; I’m still hooked!

After leaving that firm, I knew I didn’t want to work in a brokerage environment where success is defined by product sales. I surveyed several established fee-only advisory firms and found none that met my goals to provide wealth management that is customized, accessible, integrated, continuous, and understandable. I decided to start MILE Wealth Management.

It’s not often we get a “reset” in our lives and businesses. I got to rethink everything and have built a new practice using 20 years of hindsight. I’m so excited to show off what I'm doing.


Well... I do like to brag about myself.


  • I’m one of only 11 people in the nation that has both the Certified Financial Planner® and Accredited Pension Administrator designations.  

  • I taught Retirement Planning courses for 12 years to future CFP® Practitioners at UC Irvine and Northwestern University.  

  • I served a three-year term for the CFP Board’s Council of Examiners helping write, build, and review 15 comprehensive CFP® exams.

  • My career has been on the fee-only side of the business.  I have never received a commission, incentive fee, or referral bonus.

  • I’m an active member of the Financial Planners Association (FPA), the National Association of Personal Financial Advisors (NAPFA), the XY Planning Network (XYPN), and the National Institute of Pension Administrators (NIPA).

  • I’m a frequent speaker at the award-winning “It’s Your Money” seminar series with a focus on teaching financial planning principles to seniors.

  • I served as Planned Giving Advocate for the Orange County Chapter of JDRF (formerly Juvenile Diabetes Research Foundation).


I have the following well-respected designations:


Certified Financial Planner

Certified Financial Planner®, CFP Board

National Institute of Pension Administration

Accredited Pension Administrator, National Institute of Pension Administrators


I am an active member in the following membership organizations:


NAPFA


Financial Planning Association - FPA


XY Planning Network


Fee Only Network


What you get by achieving your goals is not as important as what you become by achieving your goals.

Zig Ziglar

Wealth Management



Wealth management integrates financial planning and investment management.


Real wealth management is hard. This is the reason most advisors only do investment management and bare minimum planning. Real wealth management integrates your situation, preferences, and goals to help direct the short- and long-term steps in your financial life.

I do not do financial plans; life changes so quickly these are often obsolete before the plan is printed and bound. I do PLANNING; we’re constantly updating your financial picture, your goals list, and your upcoming planning items. You’ll be organized, educated, and comfortable with your finances, so you can focus on the things that matter most to you.


Planning Areas:


cash flow planningCash Flow Planning

Review your inflows and outflows (without strict budgeting) to help plan your saving, spending, and withdrawal strategies

protection planningProtection Planning

Look for uncovered risks, so your family is protected (but not overprotected) against negative events

retirement planningRetirement Planning

Use advanced tools and realistic assumptions to “run the numbers” that’ll help you navigate your path through retirement

education planningEducation Planning

Design a plan that will get your children (or grandchildren) through college without overburdening everyone

tax planningTax Planning

Incorporate your cash-flow planning to look for opportunities to reduce your overall tax burden

estate planningEstate Planning

Ensure what you have is handled per your wishes when you can no longer control everything yourself

charitable planningCharitable Planning

Explore strategies to help you effectively support causes that are meaningful to you

investment managementInvestment Management

Build and maintain an investment portfolio that incorporates your personal goals and circumstances


Financial planning is not calculating how much 
you need to save to retire at 65!

I break financial planning into multiple steps. 


1. Asset Map: “You Are Here”

I put together your financial picture in a one-page view, showing your income items, assets, and insurance coverages.  Seeing everything together is an eye-opener for most clients.

Single doctor early in career

Asset Map - Single Doctor

Family nearing retirement

Asset Map Family near retirement

Couple enjoying retirement

Asset map couple in retirement


2. Goals Statements: “My Planned Destination”

I work with you to understand your plans and preferences across your financial situation (i.e., retirement plans, college savings goals, insurance preferences, etc.). Not only are these answers personal to you, but the questions are personal to you as well. Having stated and clear goals, seeing them front and center, and reviewing them frequently gets you halfway to accomplishing them.


3. Tasks and Actions List: "My Photo Album and Itinerary”

I put together a planning agenda that integrates your financial picture and goals list. This lists items I will be covering with you quarterly and their status before/after we act. You’ll see what’s been done, what’s in process, and what’s coming.


Sample Family investments initial thoughts

A properly built investment portfolio considers your goals, tolerance for risk, and financial ability to take risk. Without these, you might be driving a hot-rod to the corner store or a tractor in a drag-race. Getting this integration right is the most important factor in your investment success.

Your mix of assets determines virtually all the reward you’re expecting and risk you are taking. I'll work with you to determine a mix that makes sense for you. The more educated and involved you are in this process, the better you’ll handle those fear/greed times that the stock markets frequently provide.

Each one of us can make a difference. Together we make change.

Barbara Mikulski

Working Together

Planning is not one-size-fits-all.


On Demand Planning


I enjoy working with disciplined, do-it-yourselfers, who want someone to look over their finances. I offer a two-hour Financial Review that involves initial data gathering, an in-person discussion (live/phone/virtual), and an “accountability checkup.” I charge between $450 and $1,200 for this service.

I can also work with you on an hourly basis for specific financial projects.  (Maybe you are considering a Roth conversion, Social Security drawing strategies, or have questions about pension draws.)  Contact me and I will provide a quote for your project.

Ongoing Proactive
Wealth Management


Wealth management is most effective when it's done proactively.  I will act as your family financial officer, working with you to reach your financial goals and managing your investments. 

Subscription Based Fees: I don't require a minimum portfolio size to work with you. If you have solid earnings, little/no assets (yet), complex needs, and the desire for proactive wealth management, I offer ongoing planning based on a monthly subscription fee ranging from $200 to $400 per month.

Asset Based Fees: For clients with more than $500,000 to invest, I offer ongoing planning paid as a percentage of assets managed. Fees for full proactive planning and investment management start at 0.75% and move down to 0.20% based on assets managed.

Learn as much by writing as by reading.

Lord Acton

Articles

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If you can't explain it simply, you don't understand it well enough

Albert Einstein

Media

I love teaching, sharing my experience and explaining tough financial concepts. Over the years, I’ve been quoted in several outlets including The Wall Street Journal, Bloomberg, Los Angeles Times, Barron’s, CBS MarketWatch, New York Times, CNBCand Kiplinger’s Personal Finance. 

Contact me if I might help with your research; I can be reached directly at 949-441-4410.  If I’m not able to provide any insight into your topic, I’ll try to direct you to someone who might be able to help.  

My favorite financial planning topics: integrating plans and investments, behavioral planning, charitable planning, advanced estate planning, tax return reviews.

My favorite investment topics: investment alternatives, behavioral investing, asset allocation, index investing, ETFs, mutual fund taxation, capital gains distributions.


As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.

John F. Kennedy

Client Center


TD Ameritrade Access

View your TD Ameritrade account information at any time.

MILE Wealth Client Portal

View your portfolio balance, review your performance, see how your assets are invested, and access your document vault through our customized client portal.

I never worry about action, but only inaction.

Winston Churchill

Contact ME


The best way to find out if I am a fit for your needs is to contact me. I'll take time to discuss your situation, goals and needs. If I am not a good match for your situation or personality, I can make a qualified referral.