Services for Individuals
Retirement May Be Closer Than You Think
We don’t believe in cookie-cutter plans.
We start with a no-pressure 15-minute call to make sure we’re a good match. If we’re confident we can support your goals, we’ll schedule a complimentary consultation to begin building your retirement strategy together.
Hypothetical Case Studies to Illustrate a Variety of Clients We Serve
Meet Self-Starter “Henry”
Henry is what we call a HENRY: a high earner, not rich yet. He and his wife have three kids and a dog. They spend Saturday at the baseball and softball fields during the summer, and in a gym for basketball and wrestling in the winter. Their weeks are busy, and their weekends are even busier.
With a significant income, Henry knows he needs a strategy for putting his money to work, but he’d rather spend his time with his family than managing his finances.
Our aim is to help take the financial load off Henry’s shoulders so he can focus on what matters most—his family.
Meet Business Owner “Sam”
Sam is a second-generation owner of his family business, which now employs 200 people. He values quality over quantity, loves the outdoors, and enjoys a good craft beer at the end of a long week. Like many business owners, much of Sam’s wealth is tied up in his company. That makes planning for retirement more complex—when so much of your future is linked to the business you’ve built, stepping away isn’t as simple as setting a date.
We work with business owners like Sam develop strategies designed to help them work toward financial independence, so they can retire on their terms.
Meet Soon-to-Be Retiree “Lucinda”
After a 25-year career, retirement is finally in sight for Lucinda. She and her husband stay busy—helping their parents, cheering at their grandson’s T-ball games, trying new restaurants and gardening when they want to relax. What Lucinda wants is financial clarity: she’s worked hard, saved diligently, and wants to know if she can step confidently into retirement.
We help soon-to-be retirees like Lucinda make the transition from working years to retirement years with greater clarity and confidence.
The above-mentioned studies are hypothetical and for illustrative purposes only. They do not represent actual clients. Nothing herein is indicative of future performance, outcomes will vary and cannot be guaranteed.
Services
Strategic Path Retirement is powered by Mariner, allowing us to leverage the expertise of seasoned professionals in tax, trust, estate planning, investments, retirement planning, and insurance. Additionally, Mariner’s support in technology, compliance, and operations allows us to focus more on what truly matters—building strong, lasting relationships with you.
Investment Management
We will get to know you, your investment goals, your tolerance for risk and the time frame until retirement. Then we will take a proactive approach to diversify your portfolio across asset classes, including cash, fixed income and equities, and periodically review your portfolio, making adjustments as needed to align with your risk tolerance and overall objectives.
- Diversification among multiple asset classes
- Consideration of different styles and strategies within asset classes
- Implementation of active and passive strategies
- Strategic asset allocation adjustments
Financial Planning
We will partner with you to develop a customized financial plan that works for you now and over the long term. Whether it’s planning for retirement, saving for a child’s education or making charitable contributions, we will get to know you and your goals, then build a plan to help you reach them. A brief overview of our planning process can be found below.
- Data gathering and a deep assessment of your current situation
- Address immediate concerns – focus on risk areas
- Collaborate to set goals and outline plans for achieving them
- Thoughtful execution of strategic priorities – including tax strategy
- Ongoing monitoring and modifications to your financial plan
Tax Planning
Including an effective tax strategy as part of your overall wealth and estate plan may help you maximize your savings and reach your financial goals. We will work with an experienced, in-house tax team that understands the latest regulatory issues and tax law changes to create tax-efficient strategies for you designed to minimize your tax burden.
- Proactive, creative tax analysis and year-round planning
- Implementation of multi-state tax strategies including residency and domicile
- Gift and estate tax planning
- Charitable donations
Risk Management/Insurance Analysis
Having income protection strategies in place can help you protect your family now and in the future. To build a sound financial plan, it’s a good idea to include insurance solutions such as life and property and casualty insurance. We can help you evaluate solutions and recommend options to fit your family’s needs.
- Asset and income protection strategies
- Analysis of major insurance companies and product recommendations
- Life insurance audits and long-term care expense mitigation
- Estate tax elimination strategies
Trust Services
As you think about providing for your family for generations to come, you may want to consider establishing a trust. We will work with you on strategies to help minimize taxes and maximize your potential wealth transfer and charitable contributions with the goal of helping to ensure your wishes are carried out.
- Review and advise on trust documents
- Charitable planning and gifting strategies
- Generation-skipping wealth transfer strategies
- Self-settled trusts for asset protection and efficient distribution
- Professional, experienced and knowledgeable trust management
M&A Advisory
We have access to a team of professionals who provide business owners with sell-side and buy-side M&A advisory services. Whether you are seeking to realize your strategic and financial objectives through the sale of your company, or are interested in expanding your business via acquisition, we can help guide you through the process from start to finish.
Business Valuation
Many business owners do not know how much their companies are worth, making it difficult to establish a clear financial plan. Obtaining a business valuation can aid in the development of a comprehensive wealth plan. Business valuations may be required for a variety of purposes, including:
- Transactions (financial planning, mergers & acquisitions, buy-sell agreements, financing and ESOPs)
- Tax reporting (gift & estate tax, charitable contributions, IRC section 409A and discount studies)
- Financial reporting (purchase price allocations and goodwill impairment)
- Litigation (marital dissolution and shareholder disputes)
Investment advisory services are offered through Mariner Platform Solutions (MPS); affiliates of MPS may provide other services listed and they may be subject to additional fees. Some advisors are licensed insurance agents and may be compensated for selling insurance-related products through an affiliated or unaffiliated insurance agency.
Asset allocation, diversification and other investment strategies cannot ensure a profit or protect against loss in a declining market. Investing involves risk, including the potential loss of principal. There is no guarantee that any investment or planning strategy will be successful.
We’ll Help Choose the Financial Planning Model that Works for You
We know one size doesn’t fit all, so we offer three fee models so you can choose the level of support that fits your needs.
Our Standard Plan covers the core areas most families need to feel prepared for retirement.
The Advanced Plan includes everything we offer on our Standard Plan and adds more specialized strategies—like tax, business, and legacy planning—for those with more complex needs.
And for those who need flexibility or have unique circumstances, the Custom Plan gives you access to the services you need on an hourly basis.
Whichever option you choose, you’ll get the same commitment to transparency and support you can count on.
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Standard
Advanced
Pricing
$2,500
$4,300
Our hourly rate is $350/hr for anything more custom.
The fees listed are subject to negotiation and are not all-inclusive. Please refer to the Mariner Platform Solutions Form ADV Part 2 for additional information regarding fees and services. This is provided for informational and educational purposes only. Fees can vary based on the complexity and scope of services offered. Therefore, fees can be higher or lower than what is reflected herein. Also, fees provided herein only apply to the fees charged by the advisor and do not incorporate additional expenses that may be associated with implementing an investment management, such as but not limited to custodial fees, transaction costs, and other program or product-related fees and expenses.