SERVICES

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
• Tactical 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.

• Deep assessment of your current situation
• Goal setting for achieving goals
• Tax strategy integrated into your financial plan
• Modifications to your financial plan as goals change

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
• Representation and support for federal and state tax audits
• Bookkeeping and family office services

Retirement Planning

Helping employees plan for retirement is vital for businesses and can be a strong retention tool. We have access to a CEFEX-certified team* that can help you by creating, managing and expanding your employer-sponsored plan to fully meet the needs of your employees.

• Plan design
• Investment selection
• Asset allocation
• ERISA compliance & fiduciary services
• IPS preparation & maintenance
• Benchmarking & analysis

*Mariner Wealth Advisors is affiliated with Mariner Advisor Network and Mariner Platform Solutions and is certified by The Center for Fiduciary Excellence (CEFEX) as meeting the standards described in the handbook “Prudent Practices for Investment Advisors.” The standard describes how an investment adviser assumes the responsibility for managing a client’s overall investment management process, which includes the selection, monitoring, and de-selection of investment managers, as well as developing processes to implement investment strategies and fiduciary practices on an ongoing basis. These practices also include maintaining a fiduciary checklist for each client to ensure proper fiduciary governance and compliance with ERISA and implementing best practices as described by the Department of Labor.

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

Business Consulting, Cash Management and Business Valuations

Many business owners do not know how much their companies are worth, making it difficult to establish a clear financial plan. We can help provide you with a better understanding of the value and risks associated with your business. Listed below are some of the advisory services we can provide with respect to business valuation:

• M&A transactions
• Financing
• Buy-sell agreements
• Gift & estate tax
• Charitable donations
• Stock options/409A
• Discount studies
• ESOPs
• Derivatives
• Shareholder disputes
• Marital dissolution
• Purchase price allocation
• Goodwill impairment
• Intellectual property
• Portfolio valuations