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  • Who is Mark V. Carlozzi?

    Mark V. Carlozzi is the Owner and Financial Advisor at Carlozzi Financial Services, bringing over 43 years of experience in crafting personalized investment strategies and financial planning solutions.

  • Where is your office located?

    Our office is in Poland, Ohio, centrally positioned to serve clients across the Mahoning Valley. We also extend virtual services throughout Ohio and 20 additional states.

  • Who do you serve?

    We work with individuals, families and small business owners helping them navigate key milestones—from wealth building, retirement planning, wealth management and estate legacy planning. 

  • What areas of expertise do you offer?

    Our services include:

    • Financial planning (goal-based)
    • Wealth management (research-driven, fee-based)
    • Retirement & Income Planning
    • 401(k)/403(b) - SDBA Planning
    • Insurance & risk management (life, disability, long-term care)
    • Estate & legacy planning
    • Asset planning
       
  • What is your investment philosophy?

    We believe in discipline-driven portfolio strategies tailored to your risk tolerance and goals. Our approach is grounded in building lasting relationships—not transactions—so your plan evolves alongside your life.

  • How are fees structured?

    We offer transparent, objective guidance—not proprietary products—aligned with your best interests. Specific fee models (asset-based, flat fees, etc.) are discussed during your no-cost consultation to customize your plan.

  • Do you act as a fiduciary?

    Yes. We are legally and ethically committed to acting in your best interests at all times.

  • Do you offer virtual services?

    Absolutely. Whether you live here in Poland or anywhere across Ohio and beyond, we provide comprehensive virtual financial planning and investment management.

  • What’s the process to get started?

    It begins with a no-cost consultation to understand your financial goals. From there, we build a tailored plan—combining planning, portfolio strategy, and protection—to guide your journey.

  • Can you help me with retirement—even if I'm years away or already retired?

    Yes. We design retirement planning strategies that work whether you're decades out or already transitioning—helping you retire with confidence and clarity.

  • Do you handle estate or legacy planning?

    We collaborate with your attorney or tax professional to ensure your wishes are honored, wealth is transferred effectively, and your legacy is preserved.

  • How do you protect what matters most?

    Through insurance and risk management, we guide you in selecting life, disability, and long-term care coverage that safeguards your family’s future.

  • Do you only offer investing?

    No—while investment management is part of what we do, we also deliver comprehensive financial planning, covering savings, retirement, insurance, estate matters, and more 

  • What if I'm wondering, “Do I have enough to retire?”

    You’re not alone. That’s one of the most common questions we explore. Through personalized planning, we help you analyze that with clarity, factoring in your goals, lifestyle, and resources.

  • What about custody or broker/dealer affiliations?

    Securities and investment advisory services are offered through Osaic Wealth, Inc., member FINRA/SIPC where we are registered. We remain fully independent and unaffiliated—so our recommendations are client-centered, not tied to proprietary products